10 Signs You’re Absolutely Not Ready to Be a Homeowner
Author: Anna Newell Jones

signs youre not ready to own a home (click through for the full post!) andthenwesaved.com
As most people know, for many part of the American Dream involves home ownership. Owning a home can be awesome if everything is in order, but for a variety of reasons, there are some people who simply aren’t yet suited for home ownership.

When I bought my 1st home it was during the time when lenders were pretty much approving everyone for everything. I was not ready for a mortgage, I was drowning in debt, and I had no down payment. Still, I was somehow approved for a home loan. Little did I know that this practice was happening ALL OVER the U.S. and was the start of the subprime mortgage crisis. Since I didn’t have money for a down-payment my real-estate agent suggested that I apply for a grant through CHFA. I did and then they covered the down-payment. (On their site it now says that you don’t have to pay back the down-payment but I did have to pay mine back.) I’m thankful for the help they gave me but I really had no business buying a home at the time. My real-estate agent at the time also told me, “Everyone I know is getting approved for largest loans they can, they’re buying big houses, and they’re just getting roommates to help cover the costs!”  Uhhh… thankfully I was at least wise enough to not take that completely ridiculous suggestion seriously.;)

Are you one of these people who has homes dancing in their heads? Do you spend countless hours on Zillow or Pinterest day-dreaming about what it’d be like to have a place of your very own? I was one of those people too. I totally get it.

While you may want to end the cycle of paying rent to someone else so you can start building equity in something all your own, that’s a very big decision to make. If the factors involved don’t honestly line up the way they should, you may not be ready for the investment. Below are some things to consider if you are thinking of becoming a home-buyer.


10 Signs You’re Absolutely Not Ready to Be a Homeowner…

1. Checked In With Your Credit Lately?

Read More »

one comment

in Home Ownership, Investing
The End to a Year Long Spending Diet – Melanie’s Report
Author: Melanie Gnau

The End to a Year Long Spending Diet | AndThenWeSaved.com

I am happy to report that at the end of June I finished my Spending Diet! For a year, I spent only $100 each month on unnecessary stuff. I can’t believe it’s over! There for a while, I thought it would never end, but now it feels like it went by so quickly.

For the most part, I succeeded in my plan. There’s been some unexpected expenses along the way, life’s all about unexpected expenses, am I right?! But overall, I stuck to my guns and drum roll, please…

I saved $12,441.99 on my Spending Diet!

I was hoping to save $15,000, but considering that I saved about half of my paycheck each month, I consider this a huge success. I also don’t plan on going back to my old ways, so I think I’ll hit my $15,000 goal in a few months.

I know that everyone’s life is different and different money tricks will work for different people. Here’s some tips and tricks that worked for me during my Spending Diet.

Read More »


in Spending Diet, Spending Fasters
The Small Seed From Which Fortunes Spring
Author: Melanie Gnau

The Small Seed From Which Fortunes Spring

“One penny may seem to you a very insignificant thing, but it is the small seed from which fortunes spring.”

It’s easy to disregard small amounts of money. I’ve done it. “It’s just a dollar.” “It’s just five dollars.” But we never know how small amounts of money can spring into fortunes. Remember Ashley’s story?


How have you made your pennies grow? Talk to me in the comments!

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in Motivation
The Prepaid Card Grocery Budget Experiment
Author: Anna Newell Jones

prepaid card grocery experiment andthenwesaved.com

Using a prepaid card to help get the grocery budget under control. The Experiment…

Have you ever used a prepaid card before? I’ve only used them a handful of times so my experience with them is pretty limited. When Visa approached me to learn about their Visa Clear Prepaid program I was a bit skeptical (because I had heard some not super wonderful things about prepaid cards before, and the rumors weren’t on the prepaids card side, if you know what I’m saying.) but I was also super curious because of my limited experience with prepaid cards. As you may have guessed I’m kind of obsessed with anything and everything that can help save money, budget, pay down debt, and manage finances. If there is a tool out there that can help me and other people with their money goals I’ve got to know about it.

Prepaid cards are ideal for someone who really wants to stick to a budget but has found that they usually go over the set amount that they have designated for each category. For example, with me and my husband, a big money issue for us is our grocery bill. We ALWAYS seem to overspend on food. At the end of the month we’re usually at the very least $100 over-budget on what we were supposed to spend. We get frustrated, and vow to do better next month. So, in an effort to reign in the grocery bill we decided we’d see what it was like to try out a prepaid card for a few months and then report back on how it goes. Because life isn’t quite hectic enough we (I;) decided we should do a little experiment which brings me to…

The Prepaid Card Grocery Experiment Read More »


in Sponsored
Write for And Then We Saved! Here’s How…
Author: Anna Newell Jones

Write for And Then We Saved | AndThenWeSaved.com

Are you interested in sharing your story with other And Then We Saved readers?

Well, guess what? Now you can!

But before you bust out your laptop, you should know I’m looking for a few particular post types.

Here are the type of posts I’m looking for:

Read More »


in Guest Interviews, How To, Living Tiny (Home Tours), Make More Money, Practical Solutions, Spending Diet, Spending Fast, Spending Fasters, Things To Do
Self-Education Will Make You a Fortune
Author: Melanie Gnau

self-education will make you a fortune

“Formal education will make you a living; self-education will make you a fortune.”

Math was never my strong subject in school, but I learned enough to get by. But money is another story. I learned more about money in my first month of living on my own than I ever learned in my first semester of Algebra. Teaching myself through trial and error, failure and even online classes has been more enlightening and helped me save more than a formal education could.

How have you been pro-active and taught yourself about money? Let’s chat in the comments!

one comment

in Motivation
9 Spending Fast Mantras to Live By – Sign Up to Get Yours!
Author: Anna Newell Jones


You’ve decided to commit to a Spending Fast. Awesome!

It’s a great feeling to knock out debt and build up your savings.

But it’s not such a great feeling to overcome buyer’s remorse when you find that you’ve bought yet ANOTHER thing that you just had to have, only to realize you didn’t really need it.

So how do you stay on track with your Spending Fast when you’re tempted to “fall off the wagon” and when life’s temptations creep up on you and start whispering those familiar sweet nothings into your ear? Read More »


in Enough (Crap, Debt, Guilt), Giveaway, Motivation, Savings, Spending Fast
Our Collective Savings for June
Author: Anna Newell Jones

Our Collective Savings | AndThenWeSaved.com

This post is a wee bit past due (anyone else’s summer just CRAZY?!) June’s Collective Savings were incredible! Together, in ONE MONTH, we’ve saved/paid off ANOTHER $61,901.84. Whaaattt…

This brings our Collective Savings to a WHOPPING $755,351.70! Do you know what this means? Together we have saved/paid off OVER 3/4 of 1 MILLION DOLLARS in ONLY half a year!

Completely mind boggling!

I’m blown away watching our numbers add up! And I’m totally in awe of our incredible group!

Join us by taking the Get Out of Debt Pledge and then add your savings so your hard work can be added to July’s total!


in Motivation, Paying Off Debt, Savings Total, Spending Fast
  • Anna

    Hi, I'm Anna! I paid off close to 24k in debt in only 15 months & it completely changed my life! I want you to have a debt-free life too so here you'll be able to read all about: How to do a Spending Fast®, saving & making more money, DIY's, & a lot about living awesomely with less. Also! We're building a Tiny House and we're going to be on Tiny House Nation. Follow along!!

    ⭐︎Come back throughout the day for updates.


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