Budgeting, Credit Card Hacking, Debt, Investing, Personal Finance Blog, Saving

Credit Card Experiment: Cash Back – Free Money Hack

Credit Card Experiment: Cash Back – Free Money Hack Throughout the last half of 2017, the Black Sheep Family has been experimenting with cash back credit card rewards…. Gasp! Credit Cards? Yep…  If you’ve been reading the Black Sheep Millionaire blog for a while, you already know that I am not a fan of debt… Read More Credit Card Experiment: Cash Back – Free Money Hack

Budgeting, Personal Finance Blog, Saving

Savings Experiment: Nest Thermostat Results

Do programmable thermostats save money?  We installed the Nest Thermostat last September (in 2016).  Since we only had six and a half months of regular usage (after moving into our current home and before we installed the Nest), let’s take a look at the results from the 7 month period where we can get a… Read More Savings Experiment: Nest Thermostat Results

Budgeting, Investing, Personal Finance Blog, Retirement, Saving

The Habitual Millionaire

The Habitual Millionaire: Many of our successes and failures in life can be attributed to our habits.  I have experienced my share of both due to my own habits, and I have personally witnessed many others whose habits have destroyed or enhanced their own lives. Some of our habits are those which we’ve learned in… Read More The Habitual Millionaire

Budgeting, Saving

How to Budget Like a Boss

Look at all those George Washingtons, and other presidents, you have ready to work for you… it’s like you have your own team of employees and you’re the Head Mutha Flower in Charge!  Every time you receive some of those greenbacks, they just sit there waiting until you give them something to do.  Your budget… Read More How to Budget Like a Boss