Do you have a plan for the future? How about a set of goals? If you could do anything at all, what would it be?
Many of us are so busy with day-to-day life that we don’t have time to think about what we really want for the future. In fact, even if we do think about it, it can be a challenging and perplexing topic.
Goals are important. For many people,
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The city center of Drobeta, Romania, where Calin and his young family are a three minute walk away — and making ends meet on $15,000 per year.
My name is Calin and I am a professional blogger living in Romania. Next year I’ll be celebrating my 30th birthday with my beautiful wife and our newborn son. Yes, we still party, even though we live on less that $15,000 per year.
Continue reading How I Live on Less Than $40,000 Annually: Calin from Romania
As a visiting nurse, Fawn treats her family finances with the same level of meticulous care and attention that she gives to her patients.
My name is Fawn. I’m a 54-year-old nurse who is a single parent to four children — a son who is grown and married, a daughter who is away at college, and two teenage boys who are still eating at home.
I’ve always been responsible with money,
Continue reading How I Live on Less Than $40,000 Annually: Fawn from Illinois
Ralph's living room; the stone wall and fireplace took two years to build. His family lived in the home, built in 1977, while the interior was being finished.
My name is Ralph and I’m a retired US Patent Examiner. I have five kids, all of them in their fifties. Since retiring, I’ve developed a prize Angus cattle herd. I’ve also bought and sold real estate that I’ve held title to,
Continue reading How I Live on Less Than $40,000 Annually: Ralph from West Virginia
Lynsey doesn't let the vagaries of a variable income cramp her style — in fact, she's figured out how to use it to her advantage.
My name is Lynsey and I’m 25-years-old with no children. I’m from Minnesota and have a bachelor’s degree in Marketing and Business Management. I am currently employed in the marketing field.
I’ve always been pretty responsible with my money, however I realize that life is meant
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Kacy and Sophie are newlyweds who understand that communication is a key tenet for successfully managing household finances.
My name is Kacy and I’m currently employed full time as a leasing agent and resident manager for a community college property in Central Iowa.
I’ve always been financially responsible. My dad is very good with finances and he taught me to always be frugal, live below my means, save, invest, and not
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Steadfast financial discipline and strategic planning has rewarded Jeff with the financial freedom to enjoy an early retirement.
My name is Jeff and I’ve been reading Len’s blog off and on for a couple of years now. I’m 55 years old.
After getting my high school diploma I spent six years in the military, and then followed up my service with a series of various jobs.
My wife is 57 and has
Continue reading How I Live on Less Than $40,000 Annually: Jeff from Washington
Jonathan and his family are enjoying the simple life in Ohio.
My name is Jonathan. I’m 27 and I’ve been married to my wife, Kate, for almost four years. We have three girls, ages 3, 1, and a newborn.
After graduating from college, Kate worked for two years at a job that paid $35,000 annually. Then, after our first child was born, she became a stay-at-home mom.
We try to live a simple
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It's a struggle at times, but Tracie and her family are happy and making ends meet on less $40,000 per year in North Carolina.
My name is Tracie and I’m 30-years-old. I’m an associate chemist in coastal North Carolina. I have an eight-year-old son and I’m engaged to his dad.
I wasn’t always financially responsible — I was saddled with $10,000 in consumer debt. Twice.
Then I found Dave Ramsey.
I currently have
Continue reading How I Live on Less Than $40,000 Annually: Tracie from North Carolina
The price of lunch at my kids’ school is going up. Again. This year, a school lunch will cost $2.75 per meal — that’s 20% more than last year. I know.
Unfortunately, many busy parents struggling to make ends meet may think that’s still a bargain for lunch. It’s not.
At those prices, a parent with two kids will shell out $990 over the course of a 180-day school year.
In fact, with
Continue reading My 5th Annual Cost Survey of 10 Popular Brown Bag Sandwiches