Everyone should be asking themselves at one point or another – “Should I Pay Off My Mortgages Early”?
When choosing whether to pay down debt or invest, the primary factors are the interest rate on the debt and what rate of return you think you could safely achieve by investing. Sometimes, however, this calculation isn’t as [...]
Related Posts
Subscribe! (and Get a Mini-Course with Free Registration)
Follow me on
twitter! In addition,
subscribe to grab free amazing content or take advantage of the newsletter to have content delivered to you. For starters, a 7-part mini course to help you spend less and be happy will be delivered to you when you subscribe!
(Don't worry about spam, because we hate it as much as you do!)
The current culture of acceptance that surrounds the issue of debt is one that has arisen as a result of an increased dependence upon credit and the act of satisfying an ‘I want it now’ attitude. A rise in materialism and the inherent temptation of credit cards and personal loans in aiding presentation of a [...]
Related Posts
Subscribe! (and Get a Mini-Course with Free Registration)
Follow me on
twitter! In addition,
subscribe to grab free amazing content or take advantage of the newsletter to have content delivered to you. For starters, a 7-part mini course to help you spend less and be happy will be delivered to you when you subscribe!
(Don't worry about spam, because we hate it as much as you do!)
Returning to familiar territory after a period of absence can bring back a flood of memories. Some are good, others might be bad but these mental pictures almost always generate a new perspective to the whole situation.
For many that were successful in getting out of debt, the struggles and the stress of paying high [...]
Related Posts
Subscribe! (and Get a Mini-Course with Free Registration)
Follow me on
twitter! In addition,
subscribe to grab free amazing content or take advantage of the newsletter to have content delivered to you. For starters, a 7-part mini course to help you spend less and be happy will be delivered to you when you subscribe!
(Don't worry about spam, because we hate it as much as you do!)
Imagine for a minute that you know two families – both have similar household income and both started out with nothing in their bank accounts. Now, let’s assume that one family (we’ll call them DebtBag) likes to keep up with the jones. The family starts to buy million dollar homes, multiple Mercedes and [...]
Related Posts
Subscribe! (and Get a Mini-Course with Free Registration)
Follow me on
twitter! In addition,
subscribe to grab free amazing content or take advantage of the newsletter to have content delivered to you. For starters, a 7-part mini course to help you spend less and be happy will be delivered to you when you subscribe!
(Don't worry about spam, because we hate it as much as you do!)
I don’t believe in “good and bad debt”. Debt is debt is debt is debt. Whether it’s out of necessity or due to a sudden lost of sanity, borrowed money is a liability that needs to be paid back.
The granddaddy of “good debt” is, of course, a mortgage. Most home buyers couldn’t buy a house without [...]
Related Posts
Subscribe! (and Get a Mini-Course with Free Registration)
Follow me on
twitter! In addition,
subscribe to grab free amazing content or take advantage of the newsletter to have content delivered to you. For starters, a 7-part mini course to help you spend less and be happy will be delivered to you when you subscribe!
(Don't worry about spam, because we hate it as much as you do!)
April is when we usually kick off many outdoor activities. For most of us, this time of the year means that we can smell the fresh flowers, enjoy the lush greens and relax in the nice weather after a long and drawn out winter.
Stepping into May is also great because we (those that are in [...]
Related Posts
Subscribe! (and Get a Mini-Course with Free Registration)
Follow me on
twitter! In addition,
subscribe to grab free amazing content or take advantage of the newsletter to have content delivered to you. For starters, a 7-part mini course to help you spend less and be happy will be delivered to you when you subscribe!
(Don't worry about spam, because we hate it as much as you do!)
In the modern era where credit cards are so convenient, loans are so common and debt is socially acceptable, it’s extremely easy to get into debt. I still have vivid memories of the two people that sold me on my college credit card. It has the school logo on there and best of [...]
Related Posts
Subscribe! (and Get a Mini-Course with Free Registration)
Follow me on
twitter! In addition,
subscribe to grab free amazing content or take advantage of the newsletter to have content delivered to you. For starters, a 7-part mini course to help you spend less and be happy will be delivered to you when you subscribe!
(Don't worry about spam, because we hate it as much as you do!)
Mathematically, it’s obvious that paying off loans with the highest interests rate first makes the most financial sense but as you may know, some financial experts promote “paying off the smallest loans first” (example, Dave Ramsey’s version of the Debt Snowball). Why do they do that? Let’s take a look today.
Smallest Loan First
The smallest loans [...]
Related Posts
Subscribe! (and Get a Mini-Course with Free Registration)
Follow me on
twitter! In addition,
subscribe to grab free amazing content or take advantage of the newsletter to have content delivered to you. For starters, a 7-part mini course to help you spend less and be happy will be delivered to you when you subscribe!
(Don't worry about spam, because we hate it as much as you do!)
Other than those days surrounding the holidays, the parking lot of the plaza close by spent most days the last few months being empty. That’s why it was so surprising when I saw people and cars everywhere when I went there last Sunday! It’s only been one day (especially since this is the [...]
Related Posts
Subscribe! (and Get a Mini-Course with Free Registration)
Follow me on
twitter! In addition,
subscribe to grab free amazing content or take advantage of the newsletter to have content delivered to you. For starters, a 7-part mini course to help you spend less and be happy will be delivered to you when you subscribe!
(Don't worry about spam, because we hate it as much as you do!)
I got a chance to ask a fellow blogger a few questions the past few days and I want to share them with you! Enjoy!
No Debt Plan is about getting and staying out of debt with a plan. Kevin, the author, is passionate about budgeting, saving for the future, and using goals to reach financial [...]
Related Posts
Subscribe! (and Get a Mini-Course with Free Registration)
Follow me on
twitter! In addition,
subscribe to grab free amazing content or take advantage of the newsletter to have content delivered to you. For starters, a 7-part mini course to help you spend less and be happy will be delivered to you when you subscribe!
(Don't worry about spam, because we hate it as much as you do!)
Welcome to the 179th edition of Carnival of Personal Finance. This week, I want to remind everyone to smile because there’s never enough happiness in the world!
Editor’s Choice
Photo By Richard M.
Reading these articles just brings a huge smile to my face! Great positive advices are what we should all be writing about!
Chief Family [...]
Related Posts
Subscribe! (and Get a Mini-Course with Free Registration)
Follow me on
twitter! In addition,
subscribe to grab free amazing content or take advantage of the newsletter to have content delivered to you. For starters, a 7-part mini course to help you spend less and be happy will be delivered to you when you subscribe!
(Don't worry about spam, because we hate it as much as you do!)
This is a guest post from Joseph from Debit versus Credit outlining his plans to prosperity. If you’d like to see more, hop over to his blog! Enjoy!
I’ve made mistakes in my life, especially financial mistakes. I’m not proud of them, but then who is ever really proud of their mistakes? I [...]
Related Posts
Subscribe! (and Get a Mini-Course with Free Registration)
Follow me on
twitter! In addition,
subscribe to grab free amazing content or take advantage of the newsletter to have content delivered to you. For starters, a 7-part mini course to help you spend less and be happy will be delivered to you when you subscribe!
(Don't worry about spam, because we hate it as much as you do!)
My credit card company told me today that the credit bureau actually treat our credit card limit as debt when they calculate our debt-to-income ratio. It doesn’t matter whether we spend $30 or $3000 if our credit limit is $5000 because they just put $5000 as debt when they look at your credit because [...]
Related Posts
Subscribe! (and Get a Mini-Course with Free Registration)
Follow me on
twitter! In addition,
subscribe to grab free amazing content or take advantage of the newsletter to have content delivered to you. For starters, a 7-part mini course to help you spend less and be happy will be delivered to you when you subscribe!
(Don't worry about spam, because we hate it as much as you do!)
Even though the second stimulus check proposal was voted down a while ago, there are talks again surrounding the need for another one. Personally, I never really thought it was a great idea, as I share the view that we should really be spending money our social programs which are badly imbalanced at the [...]
Related Posts
Subscribe! (and Get a Mini-Course with Free Registration)
Follow me on
twitter! In addition,
subscribe to grab free amazing content or take advantage of the newsletter to have content delivered to you. For starters, a 7-part mini course to help you spend less and be happy will be delivered to you when you subscribe!
(Don't worry about spam, because we hate it as much as you do!)
Twitter
Facebook
Subscribe