Tag: welcome

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About Make Love, Not Debt

Current statistics state that half of all marriages fail. One of the top reasons for divorce is disputes over finances! This is the story of Him and Her, a recently engaged couple living together in Chicago. They may have a lot of debt, but believe they can conquer it with a little love and a lot of style.

That was too-wordy tagline of the first incarnation of this blog. Not much has changed, since we launched our first post on January 1, 2006. We're still in the same apartment in Chicago, a little older but still in our 20's, and still saving for our wedding. We don't have as much debt as we used to; we've managed to pay off all of our credit cards in under 2 years, and now use only rewards cards that we pay off every month. We keep track of our financial progress, but with less frequency than we used to (the last time we checked in was in September) - but we know we're well on our way to achieving our 2007 goals. We're very aware of the mountain of debt that we have to overcome, but we tend to write about it less and less as other financial issues crop up, like how much VIP drinks are at da club, how we make money by having sex, or getting expensive haircuts.

If you'd like to read about how we got into this mess, you might want to start with Him's story which will then lead you to read Her's story. As mentioned above, we've come a long was financially. When we started the blog, we couldn't afford much of a home; now the amount of home we can afford is quite scary! In the early days, much of our extra money to pay off debt came by cutting expenses, reducing retirement contributions, or using coupons.

Since that time, we've been pretty good at controlling our money by not keeping up with the Joneses, whether they be friends or family. These days we spend our money on things that matter to us, such as health, vacations, or even varietal specific wine glasses. We're also trying to be smart with the money that we save - this year we've come up with a comprehensive joint retirement investment plan. Whew, try and say that 5 times fast.

We hope that you enjoy your stay, you have a few laughs, and you learn a little about your finances. If all else fails, at least stay for the pie.

Stay Classy, Jacksonville

"I don't know how to put this but I'm kind of a big deal." - Ron Burgundy

Last Sunday we were featured in the The Florida Times-Union, a daily newspaper in Jacksonville, Florida. Much thanks to Alison Trinidad for giving us this opportunity.

Please stick around, read our start page or archives, or subscribe to our RSS feed.

Actual relationship finances banter to commence sometime later this week...

Hello Hello NYT Readers

Today we've been featured in the New York Times in the article Debtors Search for Discipline via Blogs. Like, yay us. Before you leave, please subscribe to our rss feed, or hit our homepage and subscribe to our blog via email.

I'd like to say that the article incorrectly reports our net worth: it is actually -$66,274.27. Not the reporter's fault though, since I neglected to update the net worth thing on the right side there.

If I weren't sick today, I'd greet you with a proper welcome. Instead, I'm going to copy and paste something from a post a few weeks ago, and update where applicable. Please enjoy!

Here for the first time and need more backstory? Try my financial history, and then more of Her's. Hindsight is 20/20, so in the future we'll both be on the lookout for signs of trouble.

In the two years since we've revealed our finances to each other, we've done much to improve our finances, but we're far from perfect. In fact, we've been known to make mistakes. But that's okay, since the point of all of this is to learn from them. If you'd like to hear about our experiences with money, you can cruise the archives, or pick one of the tags over there on the right for more relevant topics. More specifics?

For example, when our savings eclipsed our credit card debt, we thought that was a little ridiculous. So this month, we've committed to paying off all of our non-0% credit card debt we've paid off all of our non-0% credit card debt, about $6,600. We're also on on track put half of the max into our Roth IRAs this year. We've made a nice foundation for achieving our 2007 goals. This is a far cry from where we were even one year ago.

On our site we like to discuss the intersection between relationships and finances, and we do this in a number of ways. Sometimes, readers ask a question that we answer. Other times they contribute content to our site. And, of course, we talk about how we deal with it.

Much to the chagrin of many, we tend to also take a lighthearted look at finances. See how we spent $26 so that I could get a more masculine license plate. Or my plans for what I'd do if I had all of the money in the world. Or just see how the personal finance blog community likes to kick our asses.

So again, welcome. Stay for some pie.

...and congrats to the other blogs that were also mentioned in the article:
Blogging Away Debt
Poorer Than You
Save Leigh Ann
We're In Debt
Defying Debt...in 2 Years
No Credit Needed (and of course the No Credit Needed Network)

We Tell SmartMoney Readers Our Debt Secrets

A few weeks ago, Lisa Scherzer, an editor of SmartMoney magazine, emailed us (and JLP and Tricia, too):

I'm interested in talking to people who are, or have ever been, in a situation where they've been at odds with their spouse or significant other about money -- attitudes toward money, and specifically, debt, and ways of managing money and debt. For example, shopaholic Wife tries to hide her expensive shoe purchases from thrifty Husband. Or a man lies to his fiancee about how much debt (credit-card debt, student-loan debt, etc.) he has -- or at least fails to mention it for some time. You get the idea.

Oh yes, we got the idea. And then we told Lisa our story.

Here for the first time and need more backstory? Try my financial history, and then more of Her's. I think that it's important to note that I wasn't the only person she was hiding the true amount of debt she had - she also hid it from herself. Hindsight is 20/20, so next time we'll both be on the lookout for signs of trouble.

In the two years that have passed since the initial..."reveal," we've done much to improve our finances, but we're far from perfect. In fact, we've been known to make mistakes. But that's okay, since the point of all of this is to learn from them. If you'd like to hear about our experiences with money, you can cruise the archives, or pick one of the tags over there on the right for more relevant topics. More specifics?

For example, when our savings eclipsed our credit card debt, we thought that was a little ridiculous. So this month, we've committed to paying off all of our non-0% credit card debt, about $6,600. We're also on on track put half of the max into our Roth IRAs this year. We've made a nice foundation for achieving our 2007 goals. This is a far cry from where we were even one year ago.

On our site we like to discuss the intersection between relationships and finances, and we do this in a number of ways. Sometimes, readers ask a question that we answer. Other times they contribute content to our site. And, of course, we talk about how we deal with it.

Much to the chagrin of many, we tend to also take a lighthearted look at finances. See how we spent $26 so that I could get a more masculine license plate. Or my plans for what I'd do if I had all of the money in the world. Or just see how the personal finance blog community likes to kick our asses.

So again, welcome. Stay for some pie.

Welcome My Yahoo! Visitors

Considering this is the second time we've been featured at Yahoo!, we think that someone really likes us there. First as a Yahoo! Pick, and now we've been featured on today's My Yahoo! Inside My Yahoo!.

I mean, what's not to like? It has a color scheme that not eveyone's a fan of, stupid financial decision making, huge debt, and negative net worth. We'll be kicking puppies in a few months.

To the new readers, welcome. Click the "Start Here" link on the right and look around. We're glad that you've stopped by.

Make Love, Not Debt ver 2.0

If this isn't your first time here, you've probably noticed that things look very different around here. If you're still wondering, the answer is "redesign." You onboard yet? Good. If this your first time here, we'd like to say "Welcome!" We'd like to especially welcome those who can from the Chicago Tribune article that featured Young and Broke, MyMoneyBlog, as well as us.

Let us show you around the blog.

Up on top in the header is your basic navigation. Get back to the homepage, cruise the archives, get in contact with us, or search the blog. Easy.

On the right hand side of every page are "tags," a fancy way of saying "categories." They look funny because they're in what is known as a tag cloud, with the larger tags containing more entries.

In the right sidebar of the homepage, there is an aggregated listing of the latest 10 comments or trackbacks that have been posted on this blog. If you have been following comments in a certain article, be sure to look there first.

Also in the sidebar is a place where you can subscribe to our blog. You can either subscribe to our RSS Feed (if you're into that), or you can elect to receive an email notifying you when our site has been updated. Here's more details on subscribing to our blog. Please, do subscribe before you leave.

Last but not least in the homepage is the footer. There you can see our updated blogroll, featuring blogs and other websites we like to visit on a regular basis. Coming soon will be a listing of articles that we think are worthwhile to read, but not make a full entry on the blog about it. You'll also find an ever growing listing of books that we have read and may have featured on this blog.

Now on to actual content. Here are some tidbits about us, Her overview, and my overview. Read about our cheap sex, mistakes we've made, progress on our wedding plans, coupons coupons coupons, and how I'd spend money like I was never going to run out.

So please join us on our financial journey. It's going to be a hell of a ride.

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