Let’s get one thing straight before we get into this post: Caffeine is amazing. Now, like most of you reading this, I love caffeine and how it makes me feel. Because of that energy boost I love, I would have it in some fashion almost every morning. Okay, I had it every single morning. It…
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Credit card debt haunts thousands of people per year and most are looking for a way to get rid of it as fast as possible. A way to do this is to roll your credit card debt into your mortgage. This way out of debt is becoming more popular. The big question is can you…
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Debt, loan, and line of credit are terms that are often used synonymously but they don’t all mean the same thing. What is the difference between debt, a loan, and a line of credit? Loans and lines of credits are two different types of debt. Debt is an amount of money borrowed from one party…
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We have all heard that having a good credit score is important but what does it mean if you have a credit score of zero or no credit score at all? Having a credit score of 0 or no credit at all is no reason to panic. All that it means is you’ve never had…
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Taxes are a constant that none of us really enjoy having to pay or even talk about but it is a fact of life. One of my favorite quotes of all time actually has to do with taxes. In this world nothing can be certain except death and taxes” – Benjamin Franklin Leave it to…
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I’m a little late to the party with this post on the 2020 stimulus checks as some of you have already received yours. But I keep getting asked questions so I’d like to try to answer some of them. Before I answer those questions, let’s just set the stage here. Imagine you are trying to…
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Chances are that right now, you are either working from home or in full-on quarantine mode. From everyone I’ve talked to, life pretty much sucks right now and I get it. Let’s do a small exercise to take your minds off things or at the least, give you something to do if you’re bored. I…
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To be honest, I hate that I’m having to write another post about the coronavirus situation but here we are. I would love to tell you this will be my last post about the virus but chances are that won’t be true. In case you missed anything and want to get caught back up here…
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Do you have a savings account or do you think savings accounts are just for old people? I can say without a doubt, savings accounts are NOT just for old people and something that you may want to consider opening. Before we get into that, let’s answer the burning question: Are savings accounts worth it?…
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If you have been following Young, Dumb, and NOT Broke?! for any length of time now, you know I’m a huge fan of credit card rewards. What we haven’t talked about yet is which is better; cash back or credit card reward points? This is a question that no single blog post, YouTube video, or…
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