Category Archives: marriage
When we were dating, during “heated discussions”, Nii would often roll his eyes and say, “Uh oh! Here’s another Renéeism.” Why? Well… Renée likes to come up with (what she thinks are) witty sayings or analogies. It helps her to understand and explain what’s going on around her. Read the rest of this entry
On December 5, 2017, we kissed our student loan debt goodbye… all $662,900 of it! That’s right. We’re free of student loan debt after 38 months! You might remember that by April 2015, after paying off our private loans in 6 months, we set a goal to pay off our federal student loans in 3.5 years. Like the song says, we “finished paying Sallie Mae back!” four months early! Read the rest of this entry
We are very excited to welcome our baby boy into the world, into our lives, and into our hearts! Having been married for four years, we are more than emotionally ready to extend our family beyond husband and wife. Being emotionally ready to have a baby is one thing; being financially ready is another! Read the rest of this entry
Happy 2017! We are super excited to share this update with our readers! Last New Year, we themed 2016, the year of failure. You might be asking, “Why would anyone theme an upcoming year “a year of failure”?” Well… keep reading!
Renée was recently reminiscing of when Nii surprised her with her first smartphone in 2011 while still dating. “While I appreciated the gesture, my phone bill shot up because, now, I had a data plan.” Renée’s budget is something Nii did not consider with his surprise. The surprise did not include Nii paying the monthly bill, and Renée’s income did Read the rest of this entry
Budgeting… the 6th love language?
The Five Love Languages by Gary Chapman is a book about how individuals express and receive communications of love – 1) gift giving, 2) quality time, 3) words of affirmation, 4) acts of service, and 5) physical touch. We would add budgeting to that list. Yes! Budgeting is an expression of love. You could also call it distribution of resources. But, considering that disagreements over money are the number one cause of marriage stress and divorce, it’s only logical that making and following a budget is an expression of love. Here’s why! Read the rest of this entry
Here at Team Darko, we’ve had some very interesting lessons to learn over the past year. Having two MBAs in the household, we were knowledgeable about business finance, but we still had a lot to learn about personal finance. We got the message about being frugal and saving money growing up. But, what about making our money work for us? Stocks, bonds, and other various vehicles to grow our money… We have a lot to learn about those. Read the rest of this entry
Have you ever felt the need to cut back on the amount of debt you have? Have you ever felt annoyed when debt collectors call you? Have you ever felt guilty about not opening your mail because you hate seeing how much you owe? Have ever used one credit card to pay off another credit card debt? Some of you might recognize this as the CAGE questionnaire used for alcoholism screening. Why use this questionnaire to describe problems with debt? Read the rest of this entry
Going into our marriage, we were a great set up for divorce… statistically speaking anyway. It’s common knowledge that the number one reason for divorce in America is money issues. We had accrued more than $800K in debt coming into the marriage. While we both knew how much combined debt we had, there was no clear pre-marital conversation on how we would address it once we said “I do”. In Part 1 of this post, we talked about realizing that we hadn’t made a solid plan to pay off our debt or save money. A few months later, it was time to go Janet Jackson mode and take “controoool”! (Get those shoulders movin’!)