In the world of personal finance, ratios are confusing. There are hundreds of them and very few are applicable to the average person. Some do though, like the debt to income ratio. All too often this extremely important ratio is confused with another, the debt to equity ratio and that’s a problem. Debt to income…
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Today I turn 25. It hurts to even type that but here I am alive and happy. This post is all about my inner thoughts. Nothing here is SEO (search engine optimization) friendly, the spelling and grammar will suck, there is no keyword research involved and frankly, I don’t think many people will read it.…
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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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Having a good reliable bank is one of the key things you need to do to make your financial life easier. In my book, Young, Dumb, and NOT Broke?! I wrote about how setting up your accounts was one of the three pillars to financial success. One of the problems people constantly express to me…
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In 2017, President Donald Trump signed a major overhaul to our tax system. This new system promised to help the average American pay less in taxes and keep their hard earned money. To be honest, I didn’t really know how Trump’s tax plan would affect me until now. My taxes have been filed and I…
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This morning I wanted to run an experiment and take to Twitter to see what was happening on this beautiful Sunday morning. If you didn’t know you can search certain terms and see who is tweeting about what. Usually, this is done by picking a certain hashtag but it’s also possible to just type in…
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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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Exactly six months ago I did something that I had been wanting to do for years. Between graduating from college, moving to a different state, and not being where I wanted to be financially I couldn’t justify it. I’m of course talking about getting a puppy. I kept telling myself to wait and that eventually…
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We’ve all been there, you come home from work with a million things to do and all you can think about is laying down on the couch and watching the next episode in your favorite Netflix series. You wish you could be more productive and motivated after work, but you know that you can just…
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Over the last couple of weeks, I’ve been discussing ways people can make some extra money. We live in a world with endless possibilities and one of those happens to be multi-level marketing. Personally, I’m not a huge fan. There are some major issues with this form of income that come close to actually breaking…
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