Problems and Projects

Budget Report – September Personal Finance

Welcome To Our Second Personal Budget Report! Today, I'll be sharing our September Personal Budget Report with you! These are the numbers we have calculated after our Slow Spend September Challenge. Check out our final reflection of the challenge here. While we didn't have as much luck as we had hoped, we did eliminate several hundred dollars worth of payments. That money is going to help us a ton as we work to get Mr. P&P to the point of living on last month's income. Problems and Projects is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program…

100 Comments

October 5, 2019

Debt Reduction

No Spend Month Update Week 4

We Made It To Our Last No Spend Month Update! Can you guys believe it? September is already over! This will be our last No Spend Month Update for Slow Spend September, and we made it a whole month without losing our minds! If you'd like more information about why we chose to do a No Spend Month and how we planned for it, go here. Also, check out our previous No Spend Month updates. Click the following links to read our Week 1, Week 2, and Week 3 recaps of Slow Spend September. Problems and Projects is a participant in the Amazon…

220 Comments

September 30, 2019

Debt Reduction

No Spend Month Update Week 3

Welcome To Another No Spend Month Update Yes. I am still playing catch up from life getting in my way at the end of week two! Be sure to go back and check out this post to learn all the details about our Slow Spend September Challenge. Click here to read our fist no spend month update, and here to read our second no spend month update. Problems and Projects is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. This post…

1,611 Comments

September 29, 2019

Budgeting / Debt Reduction

No Spend Month Update Week 2

Welcome To Our Second No Spend Month Update! This No Spend Month Update is so late! You know how sometimes life happens? That's been the case for the last couple of weeks. Right during that transitional time between writing this update and starting week 3, I go so sick. Like, home from work for days, lying on the couch trying to muster up the motivation to move sick. Then, right about the time I started to improve, Baby Girl came down with pink eye and an ear infection simultaneously and had to be kept home. So, here we are, halfway through…

972 Comments

September 29, 2019

Debt Reduction

No Spend Month Update Week 1

It's Our First No Spend Month Update Ever! I can't believe we are already a week into our first ever no spend month and posting our first no spend month update. Be sure to go back and check out this post to learn all the details about our Slow Spend September Challenge, why I prefer to say low spend, and how it will help us get our budget back on track!When we first decided to have a low spend month, I must admit I was nervous. I thought it would be impossible, and I just knew I would miss out on…

763 Comments

September 8, 2019

Home Improvement

Unexpected Expenses and the Summer of Hell

Unexpected Expenses Occur With Any Project ... Anytime you plan to undertake a home improvement project, you should also plan for unexpected expenses. Everyone's dear friend Murphy makes sure that no matter how well you plan, something is going to go wrong. Unfortunately, sometimes it doesn't matter how prepared you are. Life throws things your way that you couldn't have ever anticipated. I keep talking about how this summer threw an enormous wrench in our budgeting and debt repayment plans. Today, I want to take some time to talk about just what went wrong.If you're planning a big home improvement project,…

212 Comments

September 4, 2019

Budget Report / Budgeting

Budget Report – August Personal Finance

Welcome To Our First Personal Budget Report! I am both excited and extremely anxious to share our personal August Budget Report with you today! Let's dive in. Problems and Projects is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. This post may contain affiliate links through Amazon or other affiliate programs. If you make a purchase through an affiliate link, I make a small commission at no additional cost to you. All opinions are my own and I only…

1,476 Comments

September 1, 2019

Budgeting / Debt Reduction

How to Plan a Successful No Spend Month

I Love the Idea of a No Spend Month The thought of going through an entire month without spending excess money, without stressing about the budget, and having a big chunk of change sounds great in theory. In practice, a no spend month intimidates me a little bit. What if I need something important? Suppose we we run out of an essential? How do I handle major emergency that could send my lofty goal crashing to the ground? Big goals are hard, it's true. They're scary, and the lingering threat of failure is ever present. I'm also not really an…

1,887 Comments

August 31, 2019

Debt Reduction

How Did We Get Here? Our Debt Story

Welcome To The Problems and Projects Debt Story Introduction Hello, readers! This is Mrs. P&P, and this is our debt story.I haven't always carried debt. In fact, I've moved through many stages in my financial life. At one time, I held no debt due to having no credit. Later, I had maxed out all my cards. I've gone through years where I paid for enormous expenses entirely out of pocket. Then, there were years where I've taken out loans and quit answering my phone because I simply couldn't settle my debts. I've felt like I was drowning in debt with no…

14 Comments

August 29, 2019