Lately, I've been doing a lot of optimization about how to continue to increase my income vs. expenses gap. This, above all other things, is what produces wealth. Sure, you need to be able to handle that money efficiently after you save it, but if you don't save it in the first place, there is nothing to invest. Today, I welcome my friend Lucy Wyndham to talk to you about four ways you're probably wasting money in your life. Take it away Lucy! --- The first step towards mastering your … [Read more...]
A bunch of things that drastically change when you have a baby girl
If you've been reading this blog for any long period of time, you've probably noticed that I haven't been writing nearly as much as I normally do. There are a couple of reasons for this, one being that I'm putting more time into growing a small side hustle doing web consulting and building Wordpress websites for small businesses, called Louisville Web Nerds. The other, and much larger reason, being that my wife and I had a baby girl about six months ago. As you can tell by that terribly … [Read more...]
How Does Sleeping Less Affect Your Productivity (and Health!)?
From a math perspective, it makes total sense that if you have more hours in the work day, you can get more done, right? So what is the easiest way to gain more working hours? A younger me once arrived at this simple conclusion. I can just sleep less and I'll get more done! But is the equation really that simple? Do hours worked = productivity achieved? It turns out it's just not that simple. We can eliminate that argument very easily with just one sentence. If this was the … [Read more...]
10 (Actually Legitimate) Ways to Save Real Money on Car Insurance
Normally I wouldn't post something like this due to its "spammy" nature (hey just being honest), but having recently saved about $700 a year on my own auto insurance by implementing many of these same steps, this guest post by Tom Bartsch of Dairyland insurance makes perfect sense to get out to the world. I'm all about big wins. If you can do a couple hours of work, and save literally hundreds of dollars every year, I think it's far more worth it than doing things like saving $3 on your lunch … [Read more...]
10 Tools to Boost Your Remote Work Productivity
More than ever, we work in a mobile world. So much that people are barely buying desktop PCs anymore. I can do half my job from my smartphone, and rarely actually need to step foot in an office. Technology has made this possible in a number of ways, especially in recent years. Remote teams can communicate better than ever. The need for a common physical space is quickly becoming obsolete. My buddy Chris Richardson stops by the blog today to hook you up with 10 tools to make your remote … [Read more...]
Crush Your Student Loans Before They Start – 3 Tips for Writing a Winning Scholarship Essay
Student loans can take 10 years or more to get out from under. For some, it can take an entire working career. One of the best ways to minimize student loan debt is to stop it before it even starts. There are numerous scholarships available to new students, and even students that have already started school, many of which require an essay to be written. Andrew Timmerman from Fire Essay stops by the blog today in this sponsored post to share his tips for writing a winning scholarship … [Read more...]
Should You Rent or Buy Your Home? A Pros vs Cons Comparison
This is a guest post by Josh Wilson of Family Faith Finance. He goes into detail about the pros and cons of renting your home versus buying, and makes some really great points. If you're stuck trying to make this decision, take a few minutes to read what he has to say. Take it away Josh! —- Homeownership in the United States has been on the decline since 2004 when it topped out at 69.20% due in large part to the bursting of the housing bubble, which forced millions of homeowners into … [Read more...]
How One Financial Blogger Paid Off $25k of Debt in 18 Months
This is a story from Jacob Evans of Dollar Dillegence. He paid off $25,000 of debt in 18 months, which is an amazing accomplishment. Here he shares the strategies he used to do so. Take it away Jacob. ---- My nearly 15-month journey toward paying off $25,000 in debt started six years into student loan repayment. I looked at my balance and my head throbbed when I realized that making the minimum payment each month was doing me no favors. I had to come up with a solution, and I needed … [Read more...]
How to Pay Off Student Loan Debt Before It Crushes Your Financial Freedom
On one hand student loans are terrible. They cause young people to start their independent lives with tens of thousands in debt. On another hand, they're kind of awesome. They allow young people to attend college with some skin in the game. Do you know what happens when you don't pay for something? It loses its value, big time. They also differentiate those who are willing to make a smart decision and commit to something that will make them better. Otherwise college just becomes more … [Read more...]
Three Reasons You Will Never Get a Raise, and What To Do Instead
I used to be absolutely terrible at negotating. My first attempt at asking for more money was during a hiring process as I had just gotten a job offer. It's so embarrassing to think about. I might have asked myself to leave right there. I remember saying "If I only make X amount of money, then when I leave for my next job I won't be able to make as much." Yes. I did that. Fortunately my future boss understood that I was an idiot, and gave me the benefit of the doubt, and hired me … [Read more...]
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