4 Investments You Can Make to Increase Your Life ROI

invest in your life

Ah, January. The start of a brand new year, and a fresh start. It’s the time of year when we start to seriously contemplate what goals we’d like to accomplish, and which projects are better left in the past. With this is mind, it seems like a relevant time to begin thinking beyond just the financial return on investment (ROI) and consider how we might start effectively begin investing in our own lives. ie. Invest in your life and increase your life ROI.

4 Ways to Invest in Your Life and Increase Your Life ROI

This post has been written by staff writer, Kerah Kemmerer.

Here are four solid areas to begin investing in your life where you will be able to enjoy the dividends for decades to come.

1. Focus on personal growth and development for physical, mental, and emotional health

While this may seem like an . . . → Read More: 4 Investments You Can Make to Increase Your Life ROI

Should You Share Bank Accounts With Your Spouse?

share bank accounts

These days, having a conversation about finances with your spouse before you get married is more common. With a 30% increase in moving in together before marriage over the last 20 years, many couples are spending time and effort discussing their finances, expenses, and more. But as far as your money goes, should you share bank accounts with your spouse? Does both of your income need to be combined after marriage? Here is the case for (and against) sharing bank accounts when you’re married.

Should You Share Bank Accounts With Your Spouse?

This post was written by our talented staff writer, Kimberly Studdard.

Why You Should Share Bank Accounts

Is it important to share bank accounts with your spouse, and should you? Here are three solid reasons why you might want to share bank accounts.

1) With a shared bank account, it makes paying for bills and necessary items easier. . . . → Read More: Should You Share Bank Accounts With Your Spouse?

7 Goals You’ll Want to Set For 2019

goals you need to set for the new year

Buy a mansion, marry a gorgeous woman, and drive a Mercedes – these were the goals of my 20-year-old self. Thirteen years later, I’ve matured slightly (I won’t give myself too much credit here)… Instead of fast cars and mammoth status symbols, I’m setting up goals that won’t just give me temporary delight, but rather, long-term happiness. Want to know what goals you need to set for the new year? This is the place, and this is the time. Let’s do it!

7 Goals You Need to Set For The New Year

Want to succeed in life? Then you’ve got to cover all your bases…ie. the most important categories of your life.

According to Zig Ziglar, these main categories are: Spiritual Physical Social Family Intellectual Career Financial

He often refers to this group of categories as “The Wheel of Life” and diagrams them as a wheel with seven spokes. The . . . → Read More: 7 Goals You’ll Want to Set For 2019

How Women Can Negotiate A Higher Salary

women can negotiate a higher salary

By now, it’s no secret that women earn less than men. There is still such a thing as a wage gap. However, did you know that one of the most common reasons for women earning less than men is that women are less likely to negotiate their salaries or ask for raises? While there is nothing wrong with getting “your foot in the door”, there is much to be said about being paid what you’re worth, and how to get to that point. So here are 4 ways women can negotiate a higher salary.

How Women Can Negotiate a Higher Salary

This post has been written by our amazing staff writer, Kimberly Studdard.

1) Don’t Be Afraid of Rejection

One way women can negotiate a higher salary is to not be afraid of rejection. You may not always get a raise or your requested salary on the first try, especially . . . → Read More: How Women Can Negotiate A Higher Salary

How To Avoid Lifestyle Creep And Invest In Your Future

avoid lifestyle creep

You’ve done it. You’ve secured a better paying job, you’re earning bonuses, or maybe you just got an increase in your income. And yet, when you look at your bank account, you still don’t see the rewards of your hard work and efforts to earn more money. That means that you, my friend, are experiencing the dreaded lifestyle creep. It’s time to learn how to avoid lifestyle creep…and by doing so, become wealthy.

How to Avoid Lifestyle Creep and Invest in Your Future

This post has been written by our staff writer, Kimberly Studdard.

What is lifestyle creep? The simple definition is when an individual changes their standard of living due to their income rising. So, something that was once a former luxury now becomes a necessity. Examples may be getting a bigger apartment or house because you can “afford” higher payments, joining an expensive gym, or even something as . . . → Read More: How To Avoid Lifestyle Creep And Invest In Your Future

Guest Post: I Started a Website…And I’m Freaking Loving It

started a blog stripped down to real

About 15 years ago, my friend Ryan asked me if he should consider dating Jessica – a girl from his church that was quite a bit younger than him. After hearing all the good he had to say about her, I told him to go for it…and he did.

Sadly, I moved away soon after and Ryan (and Jessica) and I lost touch. You know how it goes, life just happens and suddenly a decade and a half flies by… But since then, Ryan and Jessica married (I guess the photo kind of gave that away, huh? ;)), had three kids, and had a whole lot of hills and valleys in their relationship along the way. The refreshing thing about them is, they don’t hide it. They’re genuine. If they’re struggling, they’ll talk about it together and they’ll even share their struggles with others.

Simply put, they’re amazing people, . . . → Read More: Guest Post: I Started a Website…And I’m Freaking Loving It

How to Sell Your House Without Putting it on the Market

buying a home

Clean, call the realtor, get an estimate on the list price, get pictures taken, take down all your personal photos, make the house look like only a housemaid lives there, list it through your agent, host an open house, and then be prepared to leave at a moment’s notice when someone wants to come look at it…right….now. This is the joy of listing and selling your home through a real estate agent out on the open market. Want to sell your house without putting it on the market? I don’t blame you one bit.

How to Sell Your House Without Putting it on the Market

As you may have already guessed, Liz and I are under contract to sell our house! And yes, we did it without ever putting it on the market. We cleaned the house once, walked the interested couple through, and negotiated to a fair price a . . . → Read More: How to Sell Your House Without Putting it on the Market

Why It’s Ludicrous to Make Payments on a Cell Phone (…and How You Can Avoid It)

making payments on a cell phone

People have payments on their cars, their house, furniture, and now most of us even have payments on our cell phones!! And quite honestly, with salespeople pushing so hard toward the payment option these days (and giving us zero discounts for buying a phone with cash), it can actually be difficult to avoid making payments on a cell phone. In this post, I’m going to outline (1) why it’s dumb to agree to those payments, and (2) how to actually buy a phone outright.

It’s Ludicrous to Make Payments on a Cell Phone (…and How You Can Avoid It)

Remember the days when you walked into a Verizon store, signed up for a 2-year contract, got a brand new phone that was discounted down to just $200, and then walked out with a smile?

Well those days are gone…

Today, what’s more likely is that you’ll walk in, choose a . . . → Read More: Why It’s Ludicrous to Make Payments on a Cell Phone (…and How You Can Avoid It)

Egg Freezing: Will It Help Your Career?

will egg freezing help your career

Women of earlier generations were under the belief that they couldn’t have it all. Only two options exist: a career or a family. If she chose to have a career, she would have to leave any dreams of having a family behind, and vice versa. However, it is most definitely possible for women to pursue both a career and a family in today’s society through egg freezing or oocyte cryopreservation. The only question is, will egg freezing help your career?

Will Egg Freezing Help Your Career?

Today, career women who’d like start a family someday have the option of harvesting and freezing their eggs for future use. The number of women freezing their eggs is growing at an ever increasing rate. Here are some of the reasons why egg freezing may or may not be worth the expense.

Why Egg Freezing Is Worth The Expense 1) Affords You Time to . . . → Read More: Egg Freezing: Will It Help Your Career?

I’m Officially Going Into Debt Again…and I’m Already Freaking Out

going into debt again

I paid off my school loans, my credit card, my ex-wife (long story), and even my house. By my 30th birthday, I was completely debt free and I vowed to never go back into debt…until now. I’m officially going into debt again…and yes, like the title says, I’m already freaking out…

I’m Officially Going Into Debt Again…and I’m Already Freaking Out

Liz and I currently live in the city. We look out the window above our sink and we’re staring directly into the living room of our neighbors. When we lay in bed, we see into the bedroom of our other neighbors. When I sit on the porch, I watch our rear neighbor cook dinner and do laundry…

Needless to say, things are pretty tight on our 0.2 acre lot, and my wife is pretty much over it. She would love to move out into the country again (it’s how . . . → Read More: I’m Officially Going Into Debt Again…and I’m Already Freaking Out