Debt

From a financial perspective, this was a good month. My expenses weren’t quite at a sustainable place, but that was to be expected (more on that later). My investments lost money, but I managed to make a whopping $1.50 in passive income (50% beyond my target!). My biggest financial impact this month came from my…

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Life Lessons

You know those times when somebody says something so profound that it sticks with you for the rest of your life? A wise man once said to me: “There’s no such thing as work-life balance. If you don’t enjoy your work, you won’t enjoy life. If don’t enjoy your life, you won’t enjoy your work.”…

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Spending & Frugality

When I started budgeting for this month, I knew I need to reduce my general spending significantly. It’s only halfway through the month, but I’ve already learned a few tricks to get my spending under control. Most of these might seem like common sense, but they were certainly causing issues for me. 1. Identifying triggers…

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Debt

Why are 43.9% of Americans in credit card debt? Because credit is too accessible. Spending it is too easy. And you keep it a secret. Do my friends and family know about my debt? Hell no. I don’t want their pity and/or judgment. This is my problem, not theirs. When you search for tips on…

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Getting Started

Let’s have some fun today with recurring and subscription expenses. Yeah, they’re small, but you’re being ripped off by companies who are laughing while you pay the fees each month.  Do you really want someone else to be rolling in your dough? Why is this so important? Recurring expenses are especially dangerous. Does that $3.99/month…

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Getting Started

If you’re in serious credit card debt, it’s great to start out with some quick wins. Debt is a long-term problem, but progress at the beginning will make it psychologically easier to keep making improvements. Before getting into the nitty gritty, I want to put down a few ground rules for today: No new accountsNo…

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Getting Started

If you read some of the successful blogs out there, you’ll see a lot of income statements showing how much money they’re making every month. This isn’t one of those. This is me dropping my pants to show you a realistic picture of someone trapped in debt. Hopefully I can show you a more rosy…

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Getting Started

Finances involve numbers. Lots of them. Cool. But how do we sort through them and find the ones that are the most important? Let’s start with the three most basic concepts: Income: The money that you make Expenses: The money that you spend Net worth: How much you are worth On first glance, those might…

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