summit-bracket2 bracket2 atm-outline location-pin-outline location-pin-filled atm-filled calendar2 bracket google-play[2] app-store summit-location-pin-lg code lock user worksheets phone print programs open pdf checkmark-form close-x close download checkmark-chart checklists blog-tools social-facebook social-google-plus social-pinterest LInkedIn-2C-128px-R instagram-rainbow social-twitter social-youtube ehl calendar calculators bracket22 checkmark email text-area-corner external-link success error information warning calendar-add-event auto-rates mortgage-rates home-equity new-certificates ncua summit-logo-itmoi arrow-left arrow-right checkmark2 summit-logo-white summit-bracket silhouette arrow-down arrow-up auto-rates2 blog calculators2 call ehl2 home-equity2 itmoi locate mortgage-rates2 new-certificates2 programs2 search summit-location-pin-sm tools clock
who Will win $10,000?
Join our participants as they reduce debt and increase savings with the help of Summit financial coaches.
TOTAL SAVINGS INCREASE: $10,537 | TOTAL DEBT REDUCTION: $16,327

How to plan for the holidays with children
Mary and Josh
Christmas is one of the happiest times of the year. People all around seem happier and more inclined to help one another. You can just feel the joy of the season in the air around you. However, with the holiday season comes spending money…and sometimes a lot of it. This year, Josh and I have had many conversations about how much money we think we should spend on each child and even went as far to make a list of everyone we would need to buy gifts for this year and what our budget would be (i.e., mail delivery person, teachers, grandparents, etc.).
Read More 
Meal planning is the way to go
Mary and Josh
One of my least favorite things to do is to meal plan. I hate it! I hate having to come up with ideas each week (knowing full well someone will complain about at least one of the meals I have planned for), followed by figuring out what we will need to buy from the grocery store. I don’t know why, but this is not one of my favorite tasks to complete. However, and this is a big however, meal planning has allowed us to stick to our grocery budget.
Read More 
How to plan for the future…one bill at a time
Mary and Josh
When Josh and I first tried to budget, we did a few things “wrong” right off the bat. First, we didn’t use the rolling budget that I’ve talked about several times. This was wrong for us because, for example, once we would go over our grocery budget, we would throw in the towel and declare budgeting was not for us…that we just couldn’t figure out how to effectively live on a budget. The second thing we did wrong was to not account for every cent going out of our budget throughout the year.
Read More 
Well, that stinks…
Mary and Josh
I knew as I typed last week’s blog post, I was asking for trouble. We were truly feeling things had been going very well and we hadn’t been stuck with an unexpected expense we couldn’t handle or that we were unprepared for. And then, I am not exaggerating, we were in the car immediately after submitting our blog post and when backing out of the garage our side mirror got trapped between our van and our too-small garage. We were SO disappointed but were very hopeful that it wouldn’t be crazy expensive since the side mirror was still intact and it was only the glass that had been damaged.
Read More 
What to do with young kids on a budget: Part 3
Mary and Josh
Things have thankfully remained status quo for us on our budget journey thus far (knocking on all wood around me after I type that). As a result, we don’t have much to share this week about our journey. I do want to mention that we had our 6-month-old puppy neutered this month. The price tag was more than we anticipated, but thanks to this experience and how our coach, Scott, has us set up, this did not set us back. We were able to pay for it in full as well as continue to put money into our savings!
Read More 
Coupons are the way to go
Mary and Josh
As we have written about before, we love going out to eat. However, eating out can add up and eat away (pun intended) at your entertainment budget. Because of this, Josh and I have limited our going out to eat to once a week. Even if you are limiting the amount you and your family eat out, like us, you can also frequently take advantage of the restaurant’s deals to save money.
Read More