How to Be a Financial Olympian

Published on Feb 10 2014 // Budgeting, Personal Finance, Retirement
How to Be a Financial Olympian
The Olympics are well under way now, and I find myself watching more than I should.  I especially like watching events like snowboarding.  I’m amazed by how high the snowboarders go and how many stunts they can perform while flying through the air.  The other events, too, like figure skating...

Four Real Folks Who Overcame Their Debt

Published on Aug 28 2013 // Debt
If you’re one of the millions of people engrossed in debt, it may seem like financial freedom is a distant dream.  The number of individuals living with debt in the UK has grown exponentially. In part, this is because of rising living expenses and unchanging wages. Based on a recent study, one in...

Are You Really Living Within Your Means?

Published on Aug 26 2013 // Personal Finance, Retirement, Savings
Do you take the time to budget?  If you do budget, do you stick to that budget?  If you answer yes to the first question, congratulations, you’re ahead of 66% of the U.S. population who does not budget (and your probably ahead of the majority of Americans who make a budget but then can’t...

Our Top 3 Financial Tips for Generation Y

Published on Jul 15 2013 // Personal Finance
Our Top 3 Financial Tips for Generation Y
Call us what you will. Millenials. Gen-Y. Echo boomers. (We’ve been called worse.) The truth is, it doesn’t matter what the “title” of our generation is, since it’s up to us to decide how we’ll be remembered. It’s up to us to counter the way we’re perceived, which unfortunately includes...

Step 1: Add Up Your Student Loan Debt

Published on Jun 21 2013 // Personal Finance
Step 1: Add Up Your Student Loan Debt
We’ve already written about getting out of student loan default this week, so now it’s time to chat about the very first step you need to take when it comes time to pay off your loans (because we don’t you to ever get to the point of default!) This one step will start your journey to...

How to Avoid the Vicious Credit Card Debt Cycle

Published on Jun 19 2013 // Credit Cards
How many times have you found yourself paying off the same credit card over and over again? Perhaps you paid off that 5, 10 or $15,000 debt and swore to yourself that you would never get into credit card debt again, but yet you found yourself a year later back in the same credit card debt hole. I’m...

Top Reasons Why People Apply For A Loan

Published on Jun 05 2013 // Loans
Top Reasons Why People Apply For A Loan
The biggest single reason people apply for a loan is to purchase a home. Mortgages, where the borrower provides the property as security against non payment, are a huge segment of lending. An estimated 60% of all domestic property has some form of mortgage loan outstanding. The total value of all property...

3 Questions To Ask Yourself When It Comes to Splurging

Published on May 17 2013 // Personal Finance
3 Questions To Ask Yourself When It Comes to Splurging
Last week, I decided to have a big splurge. I bought an international plane ticket last minute to go home and visit my family. I had some time off of work, it was Mother’s Day, and it was also a few days before my birthday. While I hadn’t planned on seeing my family until the holiday season,...

How To Avoid the Temptation to Spend

Published on May 10 2013 // Personal Finance
How To Avoid the Temptation to Spend
The temptation to spend is all around us. In fact, I would argue that it’s almost inevitable that we want to spend something at least once every day and that it takes self control and forethought to have a “no spend” day. So, why do we feel the need to spend every day, and what can we do to try...

3 Tips For Calling Your Credit Card Company

Published on Apr 12 2013 // Credit Cards
3 Tips For Calling Your Credit Card Company
I know that not everyone likes talking on the phone. I get it. It can be a little awkward, especially if you are calling your credit card company to ask for something that you want. This could be anything from lowering the interest rate on your card to having some fees waived. It’s very hard to...

5 Ways to Save for a House Down Payment

Published on Apr 08 2013 // Debt, Housing Market
After years of waiting, we’re getting the itch to buy a home.  However, for most people, the process of beginning to thinking about buying a home to actually buying one is usually several years, largely because you need to get your finances in order and save for a hefty down payment. Before you...

How to stick with your goals for the new year

Published on Jan 06 2013 // Debt, How To Guide, New Year
How to stick with your goals for the new year
It seems to happen every year–everyone makes these great New Year’s resolutions and goals, start off strong in achieving them, and end up slacking off by the third week of January. You wouldn’t be the only one that this happens to. Scientists agree that it takes approximately three...

The Debt Movement Is Here: Will You Join?

Published on Jan 02 2013 // Debt
The Debt Movement Is Here:  Will You Join?
(Photo credit: Images_of_Money) Debt is a tool that can allow you to have something now that you can’t truly afford.  The majority of people take on debt to buy a home; saving up cash to buy a home outright is nearly impossible for most people.  Many also borrow to buy a car.  Then there are...

Saving Money Is Hard – How to Make It Easier

Published on Oct 29 2012 // Savings
Saving Money Is Hard – How to Make It Easier
Image Source: findyourcashcow.com Saving money is hard. It is. We are bombarded with advertisements that encourage us to spend money, and people around us often spend money freely.  Add in the increased cost of basic goods such as gas and groceries along with salaries that are often stagnant for years...

Paying Off Debt Vs. Saving: How do you decide?

Published on Oct 23 2012 // Finance Life Stages, Savings
Paying Off Debt Vs. Saving: How do you decide?
For those that have graduated college in the past five-ten years, chances are you’re still paying off student loans. Six years after college, and I am still faced with approximately $20,000 in loans, even though I’ve already paid down more than $10,000. I often wonder how people my age, the...

2012 Graduates Return Home

Published on Jun 05 2012 // Kids and College
2012 Graduates Return Home
A new study by eHealthInsurance finds that recent college graduates are in for a reverse sticker sock when they see potential earnings for their chosen career field. Their expected income is much less than they thought and that’s if they are one of the “lucky” two-third‘s of those surveyed to...
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