The Budget Couple

We are the Budget Couple. We make a bi-weekly podcast that talks about life, family, and how to afford it. Join us on our budgeting journey as we explore the keys to budgeting, personal finance, and more.

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Tag: debt

Episode 60: Pay off Debt or Save for a Family?

Nate and Danielle discuss a listener question about saving or paying down debt while looking to add to the size of a family. They also look at paying down credit cards and the best ways to do it. Show Notes Listener question #1: My husband and I have our mortgage and then we have my husbands student loan which is…

Episode 39: $44K in Debt and an Impulse Shopper

Nate and Danielle answer a listener question on how to setup a budget for paying off debt as quickly as possible while having a variable income and being an impulse shopper. Show Notes Listener Question: I have tried to do a budget with my husband several times now, and we just can never get on the same page. I added…

Episode 38: Debt Forcing a Budget

Nate and Danielle reflect on recent changes they have made to their budget as answer a listener question. They talk about budgeting apps, mindset, and the need of goals when creating a budget. Show Notes First a quick update on our attempt at controlling our misc expenses. We decided to go with putting $400 in savings each month to be…

Episode 36: Paying Off Debt vs. Saving

Nate and Danielle answer a listener question about how to decide if you should save your money or pay-off debt when you want to buy a house in the near future. Show Notes Listener email: Married with one child and another one on the way. Current make a combined income around $79K before taxes, so we are looking at a…

Episode 28: Affording a Home Remodel

Nate and Danielle discuss the various ways to pay for a home remodel and the pluses and minuses of each. Show Notes We are currently thinking about redoing our kitchen and master bathroom. This decision is revolving around the concept of staying at our current home and making it what we want or moving to a new, more expensive, home…

Episode 27: Buying vs. Renting with $80K of Debt!

Nate and Danielle respond to a listener question about buying a house when in $80k of debt but also looking at a large increase in income. Show Notes Listener question: As my graduation is quickly approaching (in May!), my husband and I will finally have a more permanent income and our budget will become more stable and easier to track.…

Episode 17: Question for When You Are Getting Started

Nate and Danielle answer questions from listener Erin about her upcoming marriage and what it means for student loan debt, renting vs. buying, budgeting, and more Show Notes First question, if I have debt from school and he (my future husband) doesn’t should we combine accounts? We both believe in the “whats mine is yours” marriage. We believe that you…

Episode 15: Challenges and Struggles

In this episode we talk about some of our struggles and challenges when it comes to budgeting and keeping a budget. Show Notes Updates: Solar Panels paid off!!! Focus on paying down the house Repay $1,000 we took from the emergency fund to finish off the solar panels It’s hard to remember to put things on the budget Keeping track…

Episode 11: Budget Ratios

In this episode, we talk about budget ratios and how we use them to help guide our decisions. Show Notes Budget ratio general rules 25% housing cost (rent or mortgage, include taxes, insurance, etc) 25% transportation (car, bus, metro, include upkeep of car and insurance) 15% retirement 25% living expenses (food, going out, utilities etc) 10% savings/debt relief Our budget…