Are Emergency Funds Awesome? Or For Suckers?

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We’ve all heard the financial gurus out there telling us we need 3 – 6 months worth of expenses, 8 months worth of expenses, and even up to 2 full years worth of expenses sitting in a safe, accessible account in the event of an emergency. I’d like to dissect this advice a bit and get to the bottom of where it comes from and why you should or shouldn’t follow it.Continue Reading

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Why Aren’t More Gen-Xers On FIRE?

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We grew up with MTV, the Rubik’s Cube, Reaganomics, and “Who shot J.R?” Our parents were Baby Boomers and they were no strangers to tough times. They lived through international and national turmoil, staggering gas lines, Vietnam, and more. They sacrificed, they saved their money, and they wanted to make the world a better place. Welcome, Generation X!Continue Reading

Cars Drool And Cash Rules

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During the entire month of January, when Mr. MMM was across the country for work, I was at home filling his passenger side, rear tire up with air once a week. It had a nail in it, but I didn’t have time to deal with it with everything else I was taking care of during his absence. Ergo, I made sure to drive his car down to our local gas station every Saturday to pump in some glorious FREE air. But alas, every incredibly annoying act must come to an inevitable end. Conveniently, there is a local car garage right up the street from my place of employment. I recently drove it on in and told them I needed a tire repair. And then it happened.Continue Reading

Online Dating on the Cheap

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Online dating doesn’t have to break the bank. In fact, it can be quite economical, depending on your style. Before I met Mr. MMM, I went out on about 104 first dates. The joke is that he was #105. Now, that is probably a bit of an exaggeration, but not by much. I dated frequently over the course of 3 years to find the perfect match. Because I had made some not-so-great dating decisions in the past, I was determined to make a good decision this time…especially with a daughter in tow. For your reading pleasure, I have taken it upon myself to compile a list of frugal online dating suggestions as well as complete a quasi-review of some of the top dating sites out there. And yes, I’ve just about experienced them all.Continue Reading

There Is Never A Good Time For A Surprise Vet Bill

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When Mr. MMM and I decided to blend our lives together, that meant combining animals. That puts us at a total of 2 dogs and 2 cats. They outnumber the humans in our house by 1. The cats are fairly innocuous, but the dogs are big and hairy. And unfortunately, they both have anxiety and allergies to boot. Needless to say, this can be a handful. Over the past few weeks, I noticed that one of our famous Mad Money Pups started to shed excessively. At first I thought nothing of it, thinking it might’ve been the recent change in food. However, since he never exhibited food allergies before, and since we’re currently experiencing sub-zero temperatures in our little corner of the world, I finally decided it was odd that he be shedding so much. Our green couch, now white. After considering everything, I picked up the phone and called our vet to make an appointment.Continue Reading