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Joanna and Johnny of Our Freaking Budget

Johnny and I started off our marriage with zero financial guidance. In fact, my last financial hurrah as a single 20-something was over-drafting my checking account — woops. So when we did rendezvous at the altar, I brought some Southern cooking know-how and, oh, just a few thousand dollars of student loan debt. Johnny, on the other hand, was more money conscious than I was, and while he didn’t have much as a college student, he kept close track of what money he did have.

Together we opened a joint checking account and decided from day one that our financial future would be just that — a joint effort. With a marriage started on just a couple hundred in the bank, several Target gift cards, and little-to-no financial assistance from parents, we’ve been learning ever since to financially prepare ourselves as a couple.

Fast-forward six years. We’ve now been out of school four years and both been working full time. We’ve paid off our school loans and have added a baby girl to our brood. And while we’ve figured out the gist of managing our money, we still find ourselves in a love-hate relationship with “our freaking budget.” From saving money on diapers, to deciphering four-letter 401k-type words, to setting aside blow money for our guilty pleasures, we’re determined to grow our modest nest egg and document our journey along the way.

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