Personal Finance Blog
I like to think of myself as a smart, young adult with a level head on her shoulders. Someone who handles money carefully, invests wisely and doesn’t mind handing out money when people need help. As much as I WANT to a selfless person who goes around helping people, the truth is....I’m not. Normally when I have extra money and someone needs … [Read more...]
Updated for 2012 changes. There are multiple ways to earn rewards and cash back for making everyday purchases and paying your monthly bills. Credit cards normally offer great incentives, but they are too dangerous for me (and for most people). It's very easy to spend money and pay it off later. So I prefer to steer clear of those … [Read more...]
One of the main advantages arguments about using a credit card is, many of them offer rewards and points for traveling. I don't like using credit cards, mostly because unsecured debt is really dangerous for me. Other people can use them responsibly but most of the time, I can't. Still, I love to travel and sometimes I feel like I'm missing … [Read more...]
During my yearly budget analysis, I'm never exactly how my finances will turn out. I try to spend my money wisely , but no one can account for every emergency or impulse purchase. This time I found some crazy spending categories that need adjusting. These are things I feel I overspent excessively and I won't let myself duplicate that this … [Read more...]
Overdraft fees upset me. They are completely unnecessary and avoidable, yet almost everyone (including myself) gets stuck with them, from time to time. During 2011 Americans paid almost $30 billion in overdrafts fees! Instead of handing over my money to the bank, here’s some ways I avoid paying overdraft fees all together. 1. Cancel overdraft … [Read more...]
If you’ve read some of my blog already, you know that I’m a HUGE goal oriented person. I need a deadline, to be put under pressure so I get competitive and perform. I feel that setting goals and having a dream is a very effective part of building wealth and maintaining a good financial footing. But that’s not what this post is … [Read more...]
Last month I started a new goal to put all my extra money and focus into paying off my car loan. I was concerned I would get off track this month because of the holiday spending and traveling. But I'm still on track and made my regular double payment. Previous Balance – $7,750.50 I'll become completely debt free by the end of … [Read more...]
I've decided to bust a few money and income myths, by opening up my finances, publicly. Most of my family doesn't even know exactly how much I make. Pretty much everyone in my life thinks I make a lot of money, but in reality I don't. I'm here to prove that I live on a very modest income, and it's not about how much money you make, it's how … [Read more...]
During one of my recent travel excursions, I decided to try out a new airline. I don’t have any complaints with my normal airline company, but I wanted to see if the competition was any better or worse. Well, apparently this particular company has found a new and "creative" way to make money off the passengers. They turn the flight crew … [Read more...]
I'm an ex-small business accountant who aims to help freelancers get out of debt and organize their life. And through the recently launched Freelancers Club I help solopreneurs create their dream business.
I'm also the Editor for Investor Junkie and a Community Strategist for Payoff and The Debt Movement. I'm passionate about products and movements that help go-getters change lives. Read More....
