Jana Says

Living life from cover to cover

Latest Posts

Going on a snowflake hunt

As I’ve been navigating the personal finance universe, one term keeps showing up: snowflaking.Snowflaking is a derivative of the Dave Ramsey concept of the debt snowball. This is the method we’ve used to pull ourselves out of the massive crater of debt we found ourselves in several years ago. It works, too! It’s nice to be able to check off one debt after another, knowing that you’ll have that much more money to put […] Continue Reading…

Money Tune Tuesday: The Big Money

I like to imagine that, much like my life has a budget,  my life has a soundtrack. I’m still trying to decide what my theme song should be. It’s a pretty arduous decision that fluctuates with my mood. So for now, I’ll settle on sharing the perfect combination of two of my  favorite topics: music and money. With that, I bring you Money Tune Tuesday.

Each Tuesday, I will feature a video or song lyric that […] Continue Reading…

Dad’s financial tips

I know Father’s Day was yesterday but, unfortunately, I did not get a chance to put this post up until today. I think the sentiment is clear and the tips are timeless.I grew up in a house where money was not discussed in any formal way. My sisters and I got an allowance and birthday money and at 13, I started babysitting to earn money (as an aside, I cannot believe that people trusted me […] Continue Reading…

A little game with a big message

A few weeks ago, I discovered this website: playspent.orgThe idea is to pretend you are the working poor facing a series of typical choices and figuring out how to live on $1000/month. While the game is seriously flawed (ex., it leaves out many, many options and only gives 2 choices per event), it still is eye opening. It made me realize how many options I have and things that I take for granted. It also […] Continue Reading…

My descent into debt, part 3

Part 1Part 2Although 2002-2006 were the lost years, the year that had the biggest impact on us as far as accruing debt is concerned was 2004. In that year, the following events happened:We got marriedMy husband finished graduate schoolI got a job with the StateMy husband got a jobWe bought a houseWe got a dogWe bought a new-to-us carThat’s a lot to handle in one year. We didn’t buy a house that we couldn’t […] Continue Reading…