Increasing your net worth is fairly straight forward. Lower your expenses and/or increase your earnings. There's only two ways to accomplish it. Although increasing your earnings has a much higher potential, the easiest way to start saving money is going to be through decreasing your expenses. For me, that means living like a poor person....
Auto financing can be a lot tougher if you lack credit. But auto lenders have loosened the reigns and allowed individuals to acquire cars without credit. As an interested car buyer, you will first identify your vehicle of choice, compare prices, and locate a dealer. You will then be faced with the task of convincing the auto lender to...
Although you can't go through life without spending money... unless you're this guy, you can avoid making some stupid spending decisions. There are a few purchasing decisions that really stick out in my mind which I've listed below in the list of 7 things you should never buy.
1. Disposable cups and plates
They may cost a bit more up...
The career track as you know it is not a permanent condition of human life. It's barely three generations old.
Civilization has been around for maybe 8 millennia. And for 7.9 of those, "career track" meant working on the family farm and eventually inheriting it. That's if you were lucky and male. If you were female, it involved a lot...
With personal finance everything is relative. Reading through blogs and comparing yourself to others using direct numbers might not be the best way to measure your progress, but using personal finance ratios could be a better indicator as to how you're doing. For example, if you're located in Iowa, your income is going to be significantly lower...
While working last week I met a couple who had achieved financial freedom. They had started their own business and now were millionaires several times over who were Hawaii locals. They said they'd really never left Hawaii, but did have some desire to travel before they got too old. They've spent their whole lives building their...
Have you ever had a love hate relationship? It may be with a person, an object, or perhaps a job... but what about the time value of money? Perhaps I'm a bit odd, but the time value of money and I have a unique relationship in which sometimes I love it... and sometimes I hate its guts,...
There are a ton of different financial websites and blogs on the web. Each with their own strategy or mix of ideas. Reading through these blogs makes you realize that some ideas mix as well as oil and water. Enter financial extremism.
The vast majority of personal finance blogs are middle of the road. Pay off...
You'd like to save money, and you'd like to shed a few pounds... what do you do? Ditch the car commute and get on the ol bike is what I say. Crazy? Well... it worked for me and it can easily work for you as well!
When I moved to Hawaii I ditched the car. Back...
So you've decided that you'd like a credit card, or you'd like to fatten your wallet a bit and add another one. If you're like to average American you'll have a whopping seven credit cards! If you're just starting out be leery of getting into credit card debt. I'm probably preaching to the choir, but I...
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