Sabrina Anthony

We have on occasion lived off one income due to job loss or our desire to aggressively pay down debt.  Thank God we always survived the job losses and achieved our goal of becoming debt-free.  It was mainly due to living frugal, having an emergency fund, following God’s plan. It is only through His grace

Am I Living stingy? What does it mean to live stingily? First of all, a stingy person is considered a miser.  They are always reluctant to spend money on anything even essentials.  The most famous stingy character was Ebenezer Scrooge in Charles Dicken’s ‘A Christmas Carol’.  I watch this yearly and know that I am

Everyone wants to have some level of wealth to retire.  Whether it is to live comfortably or not having to worry about every dime they spend.  To achieve this goal, you must start with a steady income, understand how money works, and live within or below your means.  You should reduce and/or eliminate debt and

We face many challenges when saving for Christmas in advance. You may still have last year’s Christmas expenses to pay.  Your current debt does not allow you to save for anything much less for next Christmas. Your current bills leave very little wiggle room for saving. You have trouble staying on budget. Nevertheless, Christmas will

About four years ago our youngest son got into a bit of financial trouble.  He had lost his job and ran up a lot of debt. Our immediate reaction was let’s go get him and help him out.  We did not want to be parents enabling grown children but we did not want to see

What is financial literacy? Financial literacy is budgeting, saving, understanding credit, interest, debt management, and investing. But first, let’s start with your relationship with money.  How do you see yourself? Are you a hoarder, Spender, or a Money worrier? Test yourself with the Hesta Quiz.  Learning how we view and interact with money leads to

Throughout my financial life, Dave Ramsey’s comments on finances have always been in the back of my mind.  I followed Dave Ramsey’s 7 Baby Steps – It worked for me.  However, I did pivot from time to time.  Lost my way, then found my way back again.  As they say, life happens. Even though I

How much is $40,000 a year an hour? It is  $19.23 an hour. Is this a good salary in today’s economy?  Well, it is more than the $15.00 that is currently being demanded for the Minimum Wage.  Can you live off of $40,000 a year? Let’s look deeper into the economics of $40,000 a year

What Is Living Below Your Means? It is more than just frugal living. You need to understand how much you have and how much you can spend. It is taking a few moments to pause when making an impulse purchase that will affect the dynamics of your life. What does living below your means look

So, what is the purpose of a budget? The purpose of a budget is to track income and spending, to reduce and/or eliminate debt, grow savings and wealth, to create a plan for spending for current and future purchases.  I like to create a yearly budget that then becomes my spending plan for the current

Let’s start with what is wealth? Wealth is making money, owning property, and having business ventures that create income and or value.  To be honest I never really thought much about my wealth until a friend shared an app that calculates net worth. I thought net worth was for the super-rich.  I know because I

Saving money is not always easy unless you are like me and others that are genetically bent to be miserly.  I have been saving money ever since I had my first job. Earning about $32/week working a summer youth program job.  I saved almost every dime from the first to the last check.  I just figured

To be financially sound for me means that if I lose my job, I have enough available cash to cover my expenses until I find another job. For me, that is more than 12 months of cash in my emergency fund.  This can be extended when supplemented by unemployment by reducing the amount I must