Now before you even start reading this article I already know what you are thinking. “Shelby is money all you ever think about?” Well to answer your question, no and this post has little to nothing to do with money. Instead, it’s about applying a basic concept that is most used in personal finance,…
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Banking seems so simple but why do so many people get it wrong? If you read my Top 5 Personal Finance Priorities for Your 20s then you know that this is #1 and here is why. Your banking options are limitless. You can use a small local credit union, an online bank, or a large…
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If you’re like me reading a book always seemed like a huge waste of time. Why would I want to sit down for an hour a day and read when I could just watch something on YouTube or Netflix? This all changed in 2014 when someone suggested that I read a simple, 200 page,…
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Whether this is the first article you have read on this site or the one-hundredth, you are here because you realize that your financial plan is something that needs to be individualized. This is especially true for budgeting, and more specifically for keeping your expenses low. Today I want to present you all with a…
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It’s no secret that our biggest expense as humans is food. Obviously, we need it to survive and have to purchase it, so why not try to find a way to save $100+ dollars on it this week? What if I told you that you could do this without even leaving your home? No, I’m…
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Before we even get into this topic, I want you to honestly ask yourself if you know the difference between cheap and frugal and which category do you put yourself in? Unfortunately, most people confuse someone’s frugalness for being cheap when in reality they are just making conscious spending decisions for their personal goals. Being…
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