This guest post was brought to you by Camille Johnson. Today, she’ll share her tips on how to put wedding gifts to good use. Enjoy! In recent times, it has been found that newlyweds received as much as $235 from each guest toward their wedding gift funds. Before you start spending the money all willy nilly, take a moment to consider using it for your future together. Here are some of the ways you can put the money to good […]
Owning a big home is expensive I was really late on writing our 2019 net worth post – I can’t believe that 2019 just flew by. As I’m writing this post, the year 2020 is almost over. It’s been almost 4 years since we moved into our new BIG house. Again, this year I’ll show real numbers instead of just percentages. It’s always been on the back of my mind that I wanted to show actual numbers. When I decided […]
Regardless of whether or not you’re trying to specifically clean up your credit for a future purchase, or trying to gain financial security, it feels amazingly great to have a mountain of debt lifted off of your shoulders. Today, I’m going to share my 5 simple steps to pay off debt fast with no money. Having some debt is a given in American society – such as a mortgage or a car loan. It is almost a way of life for the […]
This guest post was brought to you by Good Nelly. She has helped people overcome their debt problems and has solved personal finance-related queries. Today, she’ll share her tips on how to become a millionaire in your 30s. She has also written for some other websites/blogs like Camp Fire Finance, XRAYVSN, Diana On A Dime, Peerless Money Mentor, etc. Enjoy! Who doesn’t want to be a millionaire? I haven’t come across anyone saying “No, he/she doesn’t want to be […]
In this post, I’m going to share my life story. To me, it’s such as an emotional story to tell people how we got out of the living paycheck to paycheck. I never thought that breaking this cycle would even be possible. We went from broke to financially stable. Now I’m a big believer that anything is possible. It has been almost 21 years since we married. We were young. I was just 21 years old. Shortly after we tied […]
In this post, I’m going to share how to install Google Analytics on your WordPress site in 3 easy steps and why traffic stats are crucial for your blogging success. After reading this post, you should be able to implement the tips and have Google Analytics installed on your website. Whether you’re a website owner or a blogger, you’re probably wondering how your reader finds your site, which pages have the most engagement or what kind of posts they like […]
If you’re one of the many Americans renting the place you live in, it comes as no surprise that rent is probably one of your biggest monthly expenses. So, it only makes sense to cut it where you can. This blog post shares 6 creative ways to save money when you’re renting an apartment. Editor Note: This is a guest post written by RENTCafe.com When your budget needs a little breathing room, take off the pressure with these creative ways […]
Track these 4 financial metrics so you can achieve financial independence in your life and break living paycheck to paycheck for good. Four years ago, when I was on the fence about whether or not I should start a blog. I wanted to jot down my thoughts, make financial plans for my family and achieve financial independence. Writing my plan down on my planner wasn’t good enough. What I really needed was accountability. After several frustrations of losing scrap papers […]
It was an honor and pleasure to publish my very first guest post on my blog! Today, I am so excited to have Darlene, who is a freelance writer at Zumper and other popular sites, share her tips on creative and budget-friendly home projects that you can do it yourself over a weekend. Enjoy! There’s something totally satisfying about decorating your place. Hanging wall art, adding new decorative pieces, getting new house plants, and painting — adding your own personal […]
Where did the time go? I still can’t believe that 2018 just flew by. As I’m writing this post, it’s already the third week of January. Well, they say as you get older, time goes by faster. I totally agree with that now. Also, it’s been 2 years since we moved into our new house. It’s been that long?!? This year, I’ll do our Net Worth reports a bit differently. I’ll show real numbers instead of just percentages. It’s always […]
Tracking your net worth is the most important step you can take to improve your overall finances. If you’ve been doing your budget, tracking your net worth is a step up from that. It gives you an overall picture of your finances. Today, I’m going to talk about net worth tracking in great details and why it matters. I’ve been tracking our net worth since 2013. It started when I seriously looked at our finances and wanted to pursue financial […]
Today, I’m going to share my experience with you about how to get out of debt with one income. I did it while my husband was unemployed and with a kid. Over a decade ago, it seemed like we would never get ahead financially. I often asked myself “how can we get out of debt while we’re still living paycheck to paycheck?”. The question that I wasn’t able to find an answer. Every time I paid our bills, I needed to […]
We all like to save money. The good news is when your mind is set to save, it becomes your second nature to be creative with spending and saving. There are different ways to save money each and every month. While a few of these tips require a lifestyle change, the majority of these tips are relatively easy to do. Here are 50 strategies to help you save money every month. 50 Ways To Save Money Every Month […]
Over the years, I have been asked about how to invest in the stock market outside of work and where to start. Investing itself is quite simple. The complex step is getting your finances in order before you start investing. Yes, you heard it right. You should get your finances in order before you even consider investing outside of your typical employer-sponsored retirement plan. I’ll discuss 9 things you should do before start investing in the stock market. Many people have […]
Today, I’m going to show you how to create a budget that really works. I must say that budgeting is a solid foundation of all finances and that includes personal finance. Imagine a business or a restaurant that is operating without a budget. There’s no way to know how much profit the restaurant makes. Without a defined budget for managing your spending each month, you could put your business in jeopardy. Therefore, the same holds true when it comes to your […]
Past years, I had learned some of my friends and co-workers faced foreclosure due to their inability to pay their monthly mortgage payments. Since then, I had become more aware of the risk of being a homeowner and studied what a foreclosure really is. While it’s sad and devasted to lose your home, you can avoid having a foreclosure on your credit report by taking a single step I’m going to talk about. I wish I knew about “A Deed […]
Today’s post offers an in-depth description of the strategies that experienced investors use to find lasting success in the stock market. I’ll explain the important financial metrics used to analyze the value of a prospective stock, as well as the importance of assessing how much time you have to spend on maximizing the efficiency of your stock portfolio, and how that will affect your investment strategies going forward. I’ll also discuss how important it is to remain calm when allocating […]
Life is busy. Our days are filled with activities and responsibilities. Retirement savings are the last thing on your priority list you think of when you’re young. Many people I know don’t even think about retirement at all. Retirement is real and coming faster than you may realize. Saving enough for retirement is not enough to secure your golden years. You need to protect your savings. I’m going to discuss the 4 important strategies to help optimize your retirement savings. […]
Today, I’m going to share our top tips to help us save money each and every day. You may find some tips that sound extreme to you. Believe me, they were extreme to us but they are not any more! If you want to get out of debt and want to control your financial life completely, read on. These money-saving tips have helped us financially and personally. It isn’t rocket science. It’s up to you if you want to save money bad enough, […]
Our decision whether or not to have backyard chickens wasn’t easy. It’s a commitment and it takes hard work to be a successful backyard chicken keeper. The only thing we thought of when we were thinking about starting a flock in our backyard was just to get fresh eggs, nothing else. We didn’t even think of other backyard chickens benefits they provide. My oh my, how these little feathered dinosaurs have changed our lives. Why the heck do we […]
Have you ever wondered if you may have bought too much house after you moved in and settled? How to tell if you are house poor. I am going to discuss what it means to be house poor and ways to avoid becoming one. We bought a new house last year. It was way bigger and more expensive than our last 2 houses combined. Did we make the right decision? Are we at risk of becoming house poor? My sister’s […]
Planning a family vacation is truly something that everyone should look forward to, but unfortunately, so many people shy away from making those plans because they feel as though they don’t have the money means or the budget to make it become a reality. The truth is, it’s absolutely possible to take a family vacation even when you are on a tight budget! With a little planning, preparation and patience, you can make your dream family vacation turn into. […]
At age 21, I’d finished college and moved thousands of miles away from home to start my life with my newlywed husband in a new country. Looking back on my twenties, it’s easy to realize that I knew nothing about life let alone managing money. Being a young immigrant with English is my third language, I had a very hard time finding a job. I finally had my first job as a cashier at a nearby Chinese restaurant. I worked Mondays […]
Are you looking to make extra money? Are you trying to pay off debt or just want to save up for a big purchase? I am going to show you ways to make extra money each month with little effort. It has worked for me for years. So I believe it will work for you as well. 5 Ways I made extra money last month 1. Took photos for a friend ($220) First of all, to earn money from […]
Are you a planner? Are you a budgeter? You want to get out of debt but your better half says otherwise. Are you the one who has been trying to get your spouse on board with your finances but no luck? You’ve come to the right place. I’ll show you how. My husband and I have been married for over 20 years. We were both very young then and didn’t care much about our finances as a family. Bills got […]
There are many money mistakes I made over the years. And here is one. I remember well how excited I was as a new parent. The moment of knowing you’re going to be a mom was priceless. I want to say that I’m a good planner and I always prepare. As soon as I knew we were expecting, I started planning my maternity leave, looking for a daycare, organizing & proofing our home, getting a nursery ready, enrolling in a […]
Homesteading has become our lifestyle. Not only will it save you money but it’ll also empower you into a more self-sufficient and fulfilling lifestyle. We grow our fruits and vegetables. We raise hens for eggs. Other than saving money, homesteading helps us to stay active and live a simpler life. What is homesteading anyway? Wikipedia defines homesteading as a lifestyle of self-sufficiency. It is characterized by subsistence agriculture, home preservation of food and may also involve the small-scale production […]
I launched my blog in September 2017 with the intention of improving our own finances. The Financial Independence – Retire Early (FIRE) concept is difficult to talk about. Nobody I know in real life is comfortable talking about money, let alone retiring a decade early or FIRE or discussing about how to “start a blog” thing. I also wanted something that allows me to record our financial milestones. Blogging gave me an opportunity to do just that. If you dig […]
We all want to improve our finances in our lives at some point. I wasn’t the best with money when I was younger because I didn’t have a specific financial goal. I’ve been a saver and a side hustler. However, I was missing an important component when it comes to building wealth. Because I never had a specific financial goal. When I finished college, I just knew that I needed to make a living somehow and to be financially responsible. […]
If there’s extra money we’ll pay extra on our mortgage. Is that a good idea? Does pay off a mortgage early make sense? Should we pay off our mortgage first or invest extra money first? The more I think about it, the more complex it seems. I know, I want to get out of debt completely. Who doesn’t want to own our home free and clear…? Would it be amazing to not have a mortgage payment? Having to make a […]
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