November 2015
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How to Drastically Reduce Your Fuel Expenses

drastically reduce your fuel expenses

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Buying fuel is an extremely dangerous buying habit. Why? It’s not because it’s flammable. It’s because it’s so easy to rationalize the expense or to forget about it altogether:

Well I gotta drive, right? My city is so spread out, what am I to do? I need to own a new truck since we just bought a house and we’re thinking of redoing the bathroom ourselves. We all need to burn fuel . . . → Read More: How to Drastically Reduce Your Fuel Expenses

9 Top Reasons for Poverty in the United States

reasons for poverty in the united states

It’s hard to believe that poverty is still rampant in a country that has produced so many wealthy individuals, but the numbers don’t lie. In 2014, the United States Census Bureau reported that $46.7 million people were living in poverty – that’s nearly 1 out of every 6 people! So what on earth causes this deplorable life status? How is it that so many people hardly earn enough to survive?

Top 9 Reasons for Poverty in the United States

Unfortunately, there is not one single formula that can keep everyone out of poverty. There are too many . . . → Read More: 9 Top Reasons for Poverty in the United States

Best PF Articles in November

20151122 - best pf articles in November

Want to learn more than you ever thought possible about personal finance in a single article? You ask, I deliver. From my constant daily sifting of personal finance articles, here are the absolute best reads from November. Enjoy!

1) After Studying the Rich, 5 Myths Uncovered About Money

- by Business Insider – There are some smart people out there that say investing is just gambling, the rich are greedy, and those that get ahead are just plain lucky. Lies, lies, lies – all of them. Read about the myths and the research that dispelled them.

2) How I Became . . . → Read More: Best PF Articles in November

Christmas Present Ideas and Money Saving Tips

money saving ideas

Looking for some ways to cut the cost of your Christmas present spending this year? We’ve come up with some great tips that can save you a lot of money this Christmas. Christmas doesn’t need to cost you a fortune. Presents and food can be pricey but you can save time and money by following a few of our simple tips.

Start early

To start with, we would advise you to start your shopping early. Yes, shops tend to promise you great offers during the run up to Christmas but in actual fact you can get great offers in store . . . → Read More: Christmas Present Ideas and Money Saving Tips

21 Ways to Make an Extra Grand a Month

extra grand a month

How much would an extra grand a month impact your life? For many of us, this extra chunk of change could make all the difference! It would enable us to make our mortgage payments, pay off our car loans, and maybe even allow us to take a nice vacation! (P.S. If you plan to use the extra grand a month to buy something stupid like a boat, a new Mercedes, or a mortgaged vacation home, please stop reading now…I don’t want to be any part of your idiocy!)

For me, an extra grand a month turned my paycheck-to-paycheck life into . . . → Read More: 21 Ways to Make an Extra Grand a Month

Is It Possible to Trade Forex for a Living?

20150523 - forex trading

A lot of people who are considering Forex trading want to know how to trade Forex for a living. They have heard about people making huge sums of money simply by playing the market and envision that for themselves.

But first, we must ask the question whether it is really possible to trade Forex for a living.

Why it’s possible

The answer is definitely yes. There are people who successfully trade Forex to earn money to put food on the table. They range from people who are making ends meet, to those making a lot of money.

It’s possible because . . . → Read More: Is It Possible to Trade Forex for a Living?

5 Items That Are Cheaper Because of the Holidays

cheaper because of the holidays

Delayed gratification can really pay off, especially when you keep lists to help you remember items you want to buy. The two scenarios you’ll find when scoring deals are when items are currently in season and when items that have just gone out of season.

In season

Let’s use a popular baking supply like nuts as an example. Nuts are in high demand right now since they go in popular holiday desserts and dishes. Stores will offer a lower sale price because they can still make a profit from the high volume of sales that come around the holidays. Once . . . → Read More: 5 Items That Are Cheaper Because of the Holidays

Should I Buy Property With My Friends?


For many first time buyers, purchasing a home has simply become unaffordable. In order to make the process cheaper and to prevent renting, many people have recently started buying properties with their friends. But, is this a good idea? In this post, we take a look at the positives and negatives of this new trend.

Positives of Moving in With Friends

Moving in with your friends is undoubtedly a great way to lower your expenditure when you’re moving home since you can all save for the deposit and split the bills together. If you’re planning to buy a property and . . . → Read More: Should I Buy Property With My Friends?

5 Reasons to Create Your Five Year Plan

five year plan sunset

Have you ever thought about your five year plan? How old are you now? What will you be doing five years from now? Will your life change at all between now and then?

Liz and I just got home from a quick weekend trip of visiting friends, attending a wedding, and spending time with family. In total, we were in the car for 11 hours (yes, my butt is still a little numb…). With so much time to ourselves, Liz and I were able to chat quite extensively about what’s important to us and what we think our future . . . → Read More: 5 Reasons to Create Your Five Year Plan

What to Know Before Getting a 203K Rehab Loan

flipping houses

Like any real estate transaction, there are pros and cons to getting rehab financing. Whether you choose a conventional rehab loan or an FHA 203k rehab loan will depend on the property you are purchasing and other factors. By understanding what you need to know before getting a 203k loan, you will be able to make the right choice between FHA and conventional financing. Which option you choose can affect your mortgage interest rate, terms, and the total you will pay over the life of the loan, so knowledge of your options—and choosing wisely—is important.

What is a Rehab Loan? . . . → Read More: What to Know Before Getting a 203K Rehab Loan