No Debt Plan is about getting and staying out of debt with a plan. Kevin, the author, is passionate about budgeting, saving for the future, and using goals to reach financial freedom.  You can subscribe to his blog by RSS or email.

This is the fourth Subscriber Swap Saturday that Kevin has run.  The basic idea is to get the subscribers of one blog to subscribe to the other blog for at least a week, just to try it out.  After a week if you don’t find that blogger’s content enticing, drop it.  The hope is that over time you will find several writers that you weren’t familiar with that provide meaningful content to you.  (You can read more about Subscriber Swap Saturday at his blog.)

“How do you handle money differences in your marriage?  What advice would you give to a couple that is having financial disagreements?”

First, it really pays off to be on the same financially. Doing that alone wipes out a majority of the arguments we might have. If we do run into something that we each don’t agree on — and it’s been a while — we sit down and talk it over. We also avoid arguments on our own spending through a budget technique. At the beginning of the month we each get 2% of of the previous month’s total income to spend or save as we see fit. She can go buy clothes or dog toys, I can buy car and computer parts. Neither of us can say anything to the other about disagreeing with the purchase. Harmony ensues.

“What is your biggest struggle financially?

Probably worrying too much about finances. I’m not a spender, and I’m pretty good at setting goals if I do decide I want to buy something. But I do spend quite of bit of time checking and re-checking everything to make sure we are still on track.

“What if you could change one financial choice in your past, what would it be?”

Other than saving a larger portion of the money I earned in high school (compounding interest, hooray!)? My parents gave me a decent sized chunk of money when I graduated college to be used as a down payment on a home. I stupidly invested the money in a mutual fund and 10-15 individual stocks. The amount of risk I took in that move is just amazing. A very dumb move. Thankfully I ended up making roughly a 7% return, but I was extremely lucky. I should have left it in a savings account or something like that.

“What would you do if you found $100,000 in a paper bag in the gutter?”

Fly to the nearest casino and take a huge bet that would pay off double… wait, no. I would probably take it home and do research on my legal options. I think if you turn something like that in to the police, if no one provides a verifiable claim of the item within 30 days, it is yours. I’d love to keep it in the end, but I would want to do it the “right” way.

Well, I hope you enjoyed my interview.  Please take a moment and subscribe to Kevin’s blog.  You won’t be sorry, he has a lot of great posts.  If after a week you don’t agree with me, then cancel.  Oh, and make sure you head over to his site and check out my answers his interview questions.

Pic by: ChristofferEngstrom

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