Welcome to Couple Money! I’ve been blogging for about about 3 years and have blogged about personal finance for over 2 years. My focus before was personal finance for college students and new graduates, but now I’m really looking at how couples work together to handle their money.
Our Financial Goals
We’re not frugal people just to be frugal. We have taken some time to really discuss this and decided on working towards doing what we’d love to do. We’re using our lives with this blog as one long case study as we try to reach our financial and career goals.
- Have no debt except for our mortgage.Currently we don’t have credit card debt or car payments. The only debt left right now is my student loans, which have a low interest rate.
- Have a steady mobile income of $50,000/year or more. While this would be less than what we earn now, if we have no debts except a mortgage this would work well for us. This income can from freelance work (which is my main source of income now), working remotely, or passive income developed from products we create.
We hope to reach our goals within 5 years (September 2014). We’ll be documenting our net worth progress regularly.
What’s Couple Money About?
Couple Money is about family and finances. My plan for this blog is to keep track of our family’s steps towards financial freedom. I’ll try to keep this personal finance site focused on topics that we face in the real world. I enjoy reading and writing about personal finance. Some topics you may notice covered here:
- Banking – Keeping our money working for us is important. We found that out when our first bank wasn’t giving us the customer service we wanted and the interest rate was depressing.
- Budgeting – Creating a financial system that fits our family’s needs is a priority. We love what we do so we don’t want to spend a ton of our time tracking every penny.
- Charity – We want to set aside a portion of our money to worthy causes. We don’t have a formal system so we’ll be working on this.
- Credit Cards – For many people, it’s a love/hate relationship, for us we use it as we need it. Paying off credit card debt has made me wary of signing up for a ton of cards.
- Entrepreneurship – We’d like to become more entrepreneurial with our work and build more income.
- Investing- Right now our investing focus is for retirement, but we hope to move beyond that when the student loan is paid off.
- Savings – Having some money set aside for emergencies is just one of our savings goals. We also have some short term goals like a vacation fund as well as buying a house someday.
As things come up for us, I’m sure more topic will be created. I will be happily accepting comments on posts to help us.
Community and Comments on Couple Money
I love reviewing thoughtful comments from readers and I love having a community of knowledgeable and passionate people. With that mix of people, it sometimes can cause a bit of friction. Some topics within personal finance have several ‘right’ answers and I think sharing different view points can be helpful, so I tend to ask your thoughts on topics. While we can disagree on some things, I expect the conversation to be civil and productive.
I like to think of my blog as an extension of my home and want to keep a friendly tone. Please remember that I will delete comments that include:
- Bad language or offensive material
- Get rich quick schemes, pyramid marketing schemes, or any other money scams
- Spam comments about your non-related blog
Disclaimer – I’m not a Financial Expert
I’m upfront and I’ll let you know that I’m not a financial guru. I’m constantly learning about personal finances and this blog is just a collection of the tips and life lessons I picked up. Couple Money is not intended to be a source for professional advice.
If you’re looking for professional help with your finances, try using The National Association of Personal Financial Advisors (NAPFA) to find a fee based financial planner. They should be able to work with you and your individual financial situation.
Photo Credit: MrVJTod and jeff_golden
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