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July 2015
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7 Reasons Why I Still Live in a Lower-Middle Class Neighborhood

live in a lower-middle class neighborhood

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My wife and I earn a combined six-figure income, we’re completely debt free, and we have an extra couple thousand dollars that just go straight to savings each month. So given our situation, why on earth do we choose to live in a lower-middle class neighborhood? Many others would buy a big house on a lake or upgrade their car to something that’s faster, shinier, and more expensive. At this point, we . . . → Read More: 7 Reasons Why I Still Live in a Lower-Middle Class Neighborhood

Bigger Goals Yield a Bigger Payoff

20150729 - budget for health budget review

Every quarter I share a budget review on my site. I do this for two main reasons:

1. I’ve received a lot of great feedback from readers who say I’ve encouraged them to start reviewing their own budget regularly. 2. It provides accountability for reaching my own financial goals.

What are your priorities?

For the most part, the pie chart for my quarterly budget review looks the same. When there are outliers I explain what events happened that affected our budget (like refinancing the mortgage, joining a gym, buying a share of beef, etc). I’ve heard it said that the . . . → Read More: Bigger Goals Yield a Bigger Payoff

Stop Comparing Yourself to Average

best personal finance articles

Since I am officially off honeymooning (YAY!), I have asked Jack Ryder from SimpleThriftyLiving.com to fill in for me today. I have been getting annoyed by people comparing themselves to average and being ‘good enough’. You know what? Average is broke, and why would you want to compare yourself to broke?! Before I get carried away, I’ll let Jack take it from here.

When it comes to money, most people try to get advice from their parents, friends, family and other people in their lives; in other words, the “average” person. The problem: The “average” Joe is getting his . . . → Read More: Stop Comparing Yourself to Average

Best Articles Around the Web

20150726 - sunday post tiny buddha

I don’t know how many of you were aware, but I got hitched yesterday! Woot woot! Since things have been crazy with wedding planning, work, and this site, I decided to pre-write this Sunday post for all of you fine folks. The only thing is, by the time I left to start setting up for the wedding, there really weren’t all that many quality articles out there yet. Instead of the typical four or five, I found only one that I really enjoyed.

So this is your post to do what you want with. Enjoy the one article below, but . . . → Read More: Best Articles Around the Web

Tips to Get Lower Loan Interest Rates

buying your first home

Whether you need a loan for a major upcoming event, such as a marriage; because you want to make a major purchase; or because you want to consolidate debts; you should try to ensure that you get the best deal possible. Whether you are looking for a secured or unsecured loan, or even shopping for a mortgage, you could potentially save thousands of pounds just by following a few relatively simple steps.

Clean Up Your Credit File

Accessing your credit file is surprisingly easy using companies like Equifax, and potential lenders will do the same. Lenders not only use credit . . . → Read More: Tips to Get Lower Loan Interest Rates

The Greatest Financial Books of All Time

20150724 - top 5 best pf books

The following post is written by Brandon Wilkins, a financial coach and co-founder of Financial Freedom Builders LLC. Mr. Wilkins is also the author of the financial classic, “Getting Rich is Simple…But It Ain’t Easy!” He and his wife Gina are known for their coaching, workshops and seminars – all designed to help you take control of your finances.

The Greatest Financial Books of All Time

As a financial coach, I am constantly looking to enhance my financial education through a variety of means (books, courses, audio, seminars, etc.). As an avid reader, my preferred choice of continual . . . → Read More: The Greatest Financial Books of All Time

How to Tackle Multiple Savings Goals

multiple savings goals

When there’s only so much money to go around, there are often multiple savings goals competing for your money. Think of the young professional who’d like to get a more reliable car, buy a house, and save for retirement. Or consider the young family that’s saving for college, retirement, and a bigger house. No matter the stage of life, when you’re trying to make the most of your money, you probably have multiple places to send the cash.

Consider How Much and How Long

When you’re saving for multiple goals, there are several things to consider. For one, . . . → Read More: How to Tackle Multiple Savings Goals

More Than 50% of All Bankruptcies are Due to Stupidity

bankruptcies are due to stupidity

Have you ever spoken with someone after they filed for bankruptcy? They might rattle off a few reasons why they couldn’t avoid it, but after the conversation ends and you both depart, you find that you’re still not satisfied with their response. In fact, you might even be left scratching your head thinking, “That bankruptcy sounded incredibly stupid. If they would have just thought for a second, it could have easily been avoided.”

After hearing my fair share of bankruptcy stories, I’ve often had the same thoughts. Just recently though, I finally decided to sit down and do the research . . . → Read More: More Than 50% of All Bankruptcies are Due to Stupidity

Top 5 Personal Finance Posts From Around the Web

20160718 - financial samurai passive income page

Over the past five years of owning this site, I’ve likely read dozens of books and thousands of articles to keep my brain fresh on the topic. Today, I still find myself yearning for knowledge through books and websites, but I also enjoy sharing my findings with my readers as well! After scouring the web this past week, I found five solid articles that I believe everyone should read. I hope you review them, learn a bit, and become just a little bit wealthier because of them! Enjoy!

Passive Income Update for Financial Freedom

- by Financial Samurai – Sam . . . → Read More: Top 5 Personal Finance Posts From Around the Web

10 Reasons Why Everyone Should Be Wealthy Today

everyone should be wealthy today

We hear the doom and gloom from the news so often that many of us might think we live in some of the worst economic times to date. But, in all honesty, I think the conditions are so good that everyone should be wealthy today!

10 Reasons Why Everyone Should Be Wealthy Today

I hear both sides of it. As a U.S. citizen that goes to work everyday, I hear about people’s money struggles and how life sometimes rears it’s ugly face on unsuspecting victims. For some, life today appears to be at its worst. But, as a personal finance . . . → Read More: 10 Reasons Why Everyone Should Be Wealthy Today