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Debt Free

4 Simple Steps to Stronger Finances

It may seem like there is a lot to personal finance. And in one sense there is. There are thousands of different approaches to personal finance. And this can get overwhelming. It may seem so overwhelming that you feel paralyzed at square one. But it doesn't have to be. There are a handful of things that are critical in personal finance. All the rest is splitting hairs. So go through each of these items one at a time and make an improvement in each area. . . .

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Are You Crazy for Investing in the Stock Market?

April 11, 2017

You should be investing a good chunk of your long-term savings in the stock market. The stock market simply has a record of better returns than almost any other investment available to the average investor. There are, however, people who say that investing in the stock market at all is for fools. But Is The Stock Market Grounded in Reality? One of the main arguments against investing in the . . .

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7 Comments · Investing, Savings

Things We Wish We Knew About Money When We Graduated From High School

April 10, 2017

Graduation Hat and Diploma

Graduation is just around the corner, and another crop of high school (and college) seniors that are ready to seize their independence and move into the real world. Although parents can do a lot to help prepare their kids for the real world, this is where the rubber hits the road. When you move out on your own, the stakes are higher and your money decisions really start mattering. Gone are the . . .

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12 Comments · Budgeting

How Much Money Does It Take To Live On Your Own

April 7, 2017

Buying vs. Renting

This time of year, a lot of soon-to-be grads are probably thinking about moving out on their own. This is going to mean taking responsibility of your own finances- all the expenses, budgeting and saving. It also means securing an income. But how much money does it actually take to live on your own? Of course, anyone can easily blow through $100,000 in a year. But what's a reasonable minimum for a . . .

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14 Comments · Budgeting

Debt Creep and Debt Spirals

April 4, 2017

Spiral

Occasionally, debt might be useful. However, it can also often be dangerous. Debt has the uncanny ability to slowly take over your finances without you even noticing until suddenly it becomes a massive problem and spirals out of control. Debt Creep If you've done much lawn care, you're probably familiar with how different weeds can 'creep.' They slowly inch their way onto your lawn, . . .

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5 Comments · Debt

Parents: Avoid Cosigning on Private Student Loans

April 3, 2017

Student Loan Debt

Today I've got a guest post by David Chen from Millennial Personal Finance. David writes about a variety of personal finance topics, and today shares about some of the potential consequences of cosigning on student loans. Enjoy! There is no doubt about it: college is expensive, and the cost is only going up. For many, saving enough to pay for our kids’ college education is . . .

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10 Comments · Budgeting

5 Reasons to Consider Annuities

March 31, 2017

Piece of Money

A little while ago, I wrote a detailed post on annuities. Basically, an annuity is a hybrid between an insurance product and investment product. All annuities are different, but in one way or another, they are an investment that come with some kind of guarantee or 'insurance' built in. While knowing what an annuity is and how an annuity works is important, it's also important to consider . . .

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6 Comments · Budgeting

How To Earn Over 10% in Bitcoin Arbitrage Funds

March 28, 2017

Bitcoin

Contributed by John Paul from HowIGrowMyWealth.com Most people limit their investing to stocks and bonds. And these are indeed good investments. But what if you want to diversify beyond traditional investments? Although there are several alternative investments, few have the track record of Bitcoin arbitrage funds. The fund I’ve allocated some money to pays about 12.95% . . .

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7 Comments · Budgeting

Budgeting Visualized

March 27, 2017

You've likely read dozens of posts on budgeting, but if you're more of a visual type of person, you might appreciate this infographic from PartSelect. Enjoy! Source: Partselect.com . . .

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6 Comments · Budgeting

Are $20/Month Smart Phone Plans Too Good To Be True?

March 24, 2017

Paying $50 or more for a single cell phone line seems normal. At least, it's normal if you stick to the major cell phone carriers such as Sprint, Verizon or US Cellular. But what about the cheap $20-30 cell phone plans offered by names that you might not recognize? With a lot of these, we're talking unlimited talk and text, and included data. Have you given these much thought? Do you dare give . . .

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15 Comments · Budgeting

What is a Budget and How to Start One

March 21, 2017

Budget

Budgeting is the foundation and road map for your personal finance. A budget is an income and spending plan. The goal of budgeting is to spend less than you earn so that you have enough to meet your savings goals as well. A good budget also anticipates surprises and emergencies that would otherwise destroy your finances. The foundation of any budget is determining your income, your . . .

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10 Comments · Budgeting

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