Student loan debt has become a ball and chain for many recent grads. Student loans have been a blessing and curse in my own life. On one hand, this loan provided the financial means to earn an education, but on the other, the monthly loan repayments will keep me in debt for years to come.
When I’m about to make a small purchase, I often remember a phrase Ben Franklin wrote, “Small leaks will sink a great ship.” I pause a moment and ask myself if the purchase I’m considering will truly add value to my life. When we justify our expenses, I’d encourage you to take the following two steps […]
Personal Finance, for all the subcategories and complexity, boils down to: “Increase your savings rate”. The standard advice is to save 10% of our income. Most Americans struggle to meet this recommendation. In today’s high consumerist world, I’m convinced everyone has the ability to not only maintain a minimum of 10%, but also increase the amount […]
This may be the shortest article I’ve ever written because investing your money intelligently is remarkably easy. If you find yourself in thriving circumstances — having handled your debt and with expendable income each month — then you’re probably wondering, “Where should I invest my money and How?”
Each December I spend a full morning writing down my financial goals for the following year. For the past four years, I have taken the time to do this in order to better understand my spending habits. This is the second year now that I get to complete this process with my amazing girlfriend where […]