If you want to become better at managing your money and ultimately put more of it in your pocket, then you need to learn to manage your expenses. All too often people want to jump ahead in their financial journey and wonder why they aren’t building their wealth. The reason? They haven’t mastered the basics…
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My worst fear happened this month. I missed a credit card payment. Yes, as someone who tells you to follow the golden rule of credit cards, I know that I messed up. I didn’t follow my own rule but don’t write me off yet. I didn’t do it on purpose so allow me to explain.…
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If you’ve been following YD&NB from the beginning then you will know that my most controversial articles have been about life insurance and whether it is a scam or not. That post received quite a bit of backlash but it also got people asking questions. Why will I never buy whole life insurance? In short,…
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I have been searching for the best app to manage my money and I think I finally found it in Tiller Money. I’ve tried Mint, Personal Capital, You Need A Budget, the list goes on and on but they have all had their drawbacks. I’ve only been using Tiller for 30 days and I can…
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Over the last couple of years, more and more online savings accounts have been popping up. These used to be something people had never seen before and the benefits they offered people were great, almost too great. With these benefits came obvious criticism. How can they offer such high-interest rates? I don’t trust my money…
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When you are 18 years old, there are only a couple of things on your mind and that probably doesn’t include money. I was there, in your shoes and my only concern was what I was doing after high school and girls. If I could go back, there are a couple of things I would…
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What if I told you that you could automate your bank accounts and it would help you make and save more money? No this isn’t a late night infomercial, this is real life. You can and should set up your finances to allow everything to be automated. How do you automate your bank accounts to…
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At the end of every month, my phone goes off with the sound of tenants paying rent. It’s a beautiful sound that sends endorphins flowing through my body as I know I’ve just made some income. To me, this is passive income but is real estate the best form of passive income? Is real estate…
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For 99.99% of us, buying a home will be the largest purchase of our life. It’s one of the most exciting times in your life and also the scariest. You get to call a place home, decorate it how you want, and just make it yours. Unfortunately, long after you’ve bought your house and made…
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One of the first articles on this site was about credit scores. It is absolutely one of the basic necessities of personal finance that for some reason, people just neglect. That article, Save Yourself Thousands by Understanding Your Credit Score, gives a great macro view of credit scores and what all goes into building them.…
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