July 2015
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4 Tips to Save Money on Vacation

tips to save money on vacation

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My husband and I celebrated our 5-year anniversary this past May. We waited until the end of June to take a celebratory trip so we’d be more confident about the weather since we intended to enjoy the beach on Lake Michigan. For 3 full days and two nights we spent a total of $142. Dave’s parents and siblings took care of our 18-month old while we were gone so we even enjoyed . . . → Read More: 4 Tips to Save Money on Vacation

9 Untold Benefits of Cash

untold benefits of cash

If I asked you to accurately draw a one dollar bill without looking at one, how close do you think you’d come to the real deal? About 20 years ago, I probably would have drawn a pretty accurate picture – for two reasons mainly: (1) cash was a more common form of payment back then, and (2) I was 10 years old then and knew of nothing other than cash. Today, I would probably fail miserably at drafting up a dollar bill, much like the rest of you.

Cash isn’t hardly used anymore. It’s bulky, it’s a slow form of . . . → Read More: 9 Untold Benefits of Cash

Top 5 Personal Finance Articles of the Week!


I can’t quite believe it, but another week is behind us, which thankfully has provided many top-notch personal finance articles! Want to increase your personal finance intelligence? Check out this past week’s Top 5 PF articles in no particular order:

The 9 Worst Money Mistakes to Make in Your 20s

- by Business Insider – I can’t believe how many 28 and 29 year-olds are still not saving a dime for their future retirement. I know 65 years old seems like an eternity away, but you’d think people would realize how important it is to save now vs. saving later. . . . → Read More: Top 5 Personal Finance Articles of the Week!

Student Loan Refinance 101

student loan refinance

I don’t believe in debt, but the fact is that many college grads have already stacked their plate with loads of it and now realize that they desperately want to get out. Is a student loan refinance a possible option? I honestly didn’t know much about it since I just paid mine off as quickly as possible, so I asked my friend Nate to give me a rundown of the pros and cons. Hope this helps!

Student Loan Refinance 101

These days graduating with student loan debt can feel very overwhelming. As graduation season comes to an end and repayment . . . → Read More: Student Loan Refinance 101

Is It Enough to Save 15% of Your Income for Retirement?

income for retirement

When it comes to saving for retirement, how much is enough? As a starting point, many experts recommend that you save at least 15% of your income for retirement. One of the loudest personal finance voices out there, Dave Ramsey, recommends saving 15% of your income for retirement as part of Step 4 in his seven baby steps to financial peace.

But what if you got a late start in your financial journey? The later you start to save, the less time your money has to compound and work for you to build wealth. And if retirement is close, it’s . . . → Read More: Is It Enough to Save 15% of Your Income for Retirement?

5 Reasons Why You Should (Almost) Always DIY

20150622 - new windows

DIY: Do It Yourself. What a crazy term huh? Just a few generations ago, this was the norm. If something broke, the owner went to the local hardware store, bought some parts (or made their own), and fixed their busted item. Today, if you roll up your sleeves to do something yourself, you are either thought of as a renegade or an idiot – a renegade because nobody takes the time to fix or construct anything these days; an idiot because it would be “wiser” to pay someone else to do the job right vs. doing a mediocre job or . . . → Read More: 5 Reasons Why You Should (Almost) Always DIY

Best PF Articles of the Week

20150621 - 5 signs it's time to leave your job Frugal Rules

I probably read more than 25 articles this week. Some were sub-par, others were okay, and then there were four that actually taught me something (and I actually had a good time reading them). Take a look at these awesome posts and be sure to let me know which one was your favorite!

The Health Benefits of Early Retirement are Priceless

by Financial Samuari – I have toyed with the idea of early retirement, and now that my net worth is beginning to skyrocket (and since I still have 35 years until a traditional retirement at 65), I’m starting to . . . → Read More: Best PF Articles of the Week

Thank You Mom and Dad

becoming wealthy

Over the past decade or so, I have ventured out of the house, worked hard to become independent, and have only just recently begun to understand the many advantages that I’ve had in life, thanks to my Mom and Dad. With Mother’s Day behind us and Father’s Day just a couple of days away, this post is a tribute to my parents. Be sure to leave your comments below with some specific things that your parents have done for you as well!

Thank you Mom and Dad…. #1. For Providing Me With a Fabulous Education

I never realized it at . . . → Read More: Thank You Mom and Dad

4 Things to Consider When Buying Your First Home

buying your first home

Right now the housing market seems to be on the upswing. Friends of ours bought their condo in 2010 for $118k, did nothing to the place besides a fresh coat of paint and regular upkeep, and they just sold it for $169k. They were able to use this money to purchase their long-term home as they prepare for the arrival of their first child. There was no intention to live in this condo forever; they viewed it as an investment. With so many young couples and young professionals browsing the market, here are 4 things to consider when buying your . . . → Read More: 4 Things to Consider When Buying Your First Home

Should You Be a Stay at Home Mom?

be a stay at home mom

My fiance and I will say, “I do” exactly 41 days from today. There’s no doubt that we’re perfect for one another and we simply can’t wait to continue our journey together in marriage. In fact, we’re often thinking about the months and years beyond the wedding:

What should we do with our savings? Should we invest in rental properties? Do we want children? How many? What will their names be? If we have kids, should Liz be a stay at home mom? Is that even possible these days? Where would our kids go to school? Can we afford private . . . → Read More: Should You Be a Stay at Home Mom?