“Is it Friday Yet?”

Time for another reflective post! One thing I hear all the time working in an office is people saying things like, "Is it Friday yet?" Now, I don't know about you, but I just think this is a funny thing to say. If all you can think about is the weekend, doesn't that mean you don't want to be there? I don't know what other conclusion to draw. Even if I'm wrong, I don't think…

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Emergency funds are a must. Do you have one?

So, in this post I mentioned emergency funds, and I've been meaning to write a separate post about them. That's because everyone - or at least every household - should have one. And yet, as I mentioned in my introductory post,  most Americans have less than $1,000 in savings. That is scary. I mean, it seriously worries me for the sake of all the people out there who fall into this demographic. Emergency funds aren't about reaching financial…

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Prioritizing savings and debt: which is more important?

As you can probably imagine, one of the things I spend a lot of time doing is reading comments on other blogs. I also read comments in Facebook groups, posts in forums, etc. It's always good to stay attuned to the questions many of you out there regularly ask. Usually, a common theme in many of those questions is prioritizing. In other words, is it better to save while simultaneously paying down debt? Or should…

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2018 Liebster Award Nomination

Hello all! Today I have a very special post for you. I'm excited as I am honored to have been nominated for this award twice! What is the Liebster award? The Liebster Award is an entirely community-driven award intended to recognize new bloggers. Mostly it is a nice way to grow our audiences, while at the same letting you get to know us better. I was nominated by two totally awesome blogs: Tyler Belle is a lifestyle blog by…

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Credit cards and the credit conundrum

Let me preface this post by saying that I am definitely not perfect - and that includes my finances. For example, I am currently leasing a car. I have my reasons for that, but it admittedly is not helping my path to FI. I also go to restaurants several times per week. These are things I need to improve. I'm pointing this out because I have heard that people reading personal finance blogs sometimes get…

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Saving is Time-Sensitive. The time to save is now!

Look, money isn't easy. I'm so sure of it that you may have noticed that very phrase at the top of this page. But just because it isn't easy doesn't mean you can't make improvements, and saving should be a key component of that. The main reason I started this blog was that I started to realize I could really take control of my own finances. I also started to realize that if I can…

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Retirement savings make your future sustainable

Let me ask you a question: as of right now, do you have enough saved for retirement? Most of us (myself included) will probably say no to that question. And that's perfectly fine! Most of us probably don't need to retire tomorrow. In fact, we may not even want to retire tomorrow - or any time soon, for that matter. But here's the thing: the earlier you save, and the more you save, the better. That's due to compounding…

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Why the grass isn’t always greener

I've decided to be bit more philosophical with this post. As such, it won't be formulaic at all. But this particular lesson can have very strong implications when it comes to personal finance. After all, where we live (and the cost of moving) can have a major impact on our finances. Most of us have heard the phrase "the grass isn't always greener on the other side." but how often do we think about what…

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7 things I did to totally crush my student loan debt

It's no secret that student loans are a huge problem. Even though I am now completely debt-free, I still hear about student loans all the time. That says a lot, because we tend to forget about things that don't directly affect our lives. Student loans? Nope, can't forget about those. And that's no surprise: as of January 2018, Americans owe 1.48 trillion dollars toward student loans, surpassing even credit card debt, by $620 billion. Many of those debtors…

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Smarter investing for a better future

Not long ago, I made a post about how actively managed funds, like Betterment, are better than not investing at all. Now, for the record, I haven't changed my mind: I still think they are better than nothing. Still, though, I am always looking for ways to improve, and my finances are definitely one main targets of that agenda. To be totally honest, I was content with Betterment for a few years. But now that…

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