Choosing My First Job – One of the Best Decisions of My Life

choosing my first job

Do you remember when you graduated from college? Did you experience that pivotal moment where you could have had fun in your work vs. getting serious and actually start adulting? I did, and when I reflect back on those moments, I consider choosing my first job to be one of the best decisions I’ve ever made!

Choosing My First Job – One of the Best Decisions of My Life

When I was 20 years old, I was on the fast track to becoming one of America’s best future engineers. I understood the math, I was getting mostly A’s in all my classes, and I knew that it was a career that would pay me well throughout my adult life.

Then, after completing an internship in my junior year, I realized that I hated it… I liked the math and physics behind engineering, but I wasn’t a huge fan of actually . . . → Read More: Choosing My First Job – One of the Best Decisions of My Life

How Are They Making Money Off Me?

how are they making money off me

Do you ever get a free service and then start to wonder, “How are they making money off me?” It’s a fair question, and it’s one that you really should seek to understand before you get seriously taken advantage of…

How Are They Making Money Off Me?

This non-money making post (;)) is written by Rocky at 30and0.com

Every business has a money maker. Many of these businesses are obvious with their strategy and charge you upfront. It’s the standard vending machine relationship. They have a thing I want and I trade money for access to it. Life is simple.

This business model is becoming scarcer as businesses are getting more and more clever at hiding their true money maker.

A perfect example of this is the Google suite of products. I don’t know how things are where you live but I have never paid for a search. I wouldn’t . . . → Read More: How Are They Making Money Off Me?

17 and Homeless to Completely Debt Free

homeless to completely debt free - depressed woman no hope

Kimberly Studdard has been writing for this site for a couple years, and until I started putting the pieces together just recently, I really had no idea what an amazing story she had. It’s not an easy one for anyone to tell, but when I discovered her struggles and now her successes, I continued to encourage her to put her story into print. I just know it will help so many others that feel helpless, overwhelmed, and incapable. You are stronger than you think. We all are. Kimberly went from 17 and homeless to completely debt free. If that’s not encouraging, I don’t know what is!

17 and Homeless to Completely Debt Free

“Hope deferred makes the heart sick; but when the desire comes, it is a tree of life.” – Proverbs 13:12

When people ask me how they could possibly pay off debt and live a . . . → Read More: 17 and Homeless to Completely Debt Free

The Difference Between FIRE and Minimalism – And Why I’m Doing Neither…

difference between FIRE and minimalism

Are you unfulfilled in life? Do you ever just stop, stare blankly into the distance and wonder, “What the heck am I doing with my life?” Don’t be discouraged, you’re not alone. I think we’ve all had these feeling at times – even those of us that seem to have everything together (I’ll even admit it…I’ve asked myself this question many times!)!

And from this common feeling, people will often respond in one of three ways:

They distract themselves by buying a whole bunch of stuff – hoping that each on of those little “highs” will make them happy (ie. Materialism) They’ll start working themselves to death trying to retire early and travel the world like many other 30-somethings are doing today (ie. FIRE – Financial Independence, Retire Early) Or, they’ll go an entirely different direction and start selling off all their stuff – living with less to hopefully leave . . . → Read More: The Difference Between FIRE and Minimalism – And Why I’m Doing Neither…

Time Management is Money Management

time management is money management

Everyone has heard the saying “time is money” at least once in their life. This is one of the primary principles behind an hourly wage after all. For most people their time literally is money. Therefore…time management is money management.

Don’t think you’re above this truth because you have a salary. One of the great myths about salaries is that they somehow operate outside time. Then why is 40 hour still a standard? Beyond that research shows most people with salaries actually work more not less!

Even if you have a way of life that avoids these standard work arrangements you cannot escape this truth.

Time Management is Money Management

Today’s timely post is written by Rocky of 30and0.com

Have you ever tracked the activities you undertake in a day?

I mean REALLY tracked them.

Imagine that every time you switch tasks you have to click a stopwatch and start . . . → Read More: Time Management is Money Management

The 31 Day Money Saving Challenge – Reduce Your Bills by $500 a Month!

31 day money saving challenge

How would you like to reduce your bills by $100 a month? $200 a month? Or maybe even $500 a month?? What would that mean to you right now? It could give you a much needed vacation with your family, enough funds for that long-overdue car repair, or maybe even enough for a surgery that you’ve been putting off because you could never find the cash. With the 31 day money saving challenge outlined below, not only is it possible to do all these things, but it’s absolutely achievable!

The 31 Day Money Saving Challenge

This post contains affiliate links.

There are a lot of money saving challenges out there. Things like:

Don’t buy groceries for a month Save up $1,000 in 4 weeks Put $1 a day into savings for a year…

These are okay challenges and you can learn something from them, but the problem is they’re finite. . . . → Read More: The 31 Day Money Saving Challenge – Reduce Your Bills by $500 a Month!

10 Easy Ways to Curb Bad Spending Habits

curb bad spending habits

So you overspent last month…again. And now you’re trying to figure out where you went wrong and how to avoid it in the future. Does that sound like you? If you find yourself constantly thinking about your bad spending habits, and you’re ready to make a change in your finances, keep reading. Here are 10 easy ways to curb bad spending habits, and have more money in your pocket.

10 Easy Ways to Curb Bad Spending Habits

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

It IS possible. You CAN have control over your spending and actually have money left at the end of each month. Just read below and take one small step at a time. Over time, you WILL gain control of your money, and it’s the absolute best feeling in the world – to control your money instead of having it control you.

1) . . . → Read More: 10 Easy Ways to Curb Bad Spending Habits

8 Reasons Whole Life Insurance Sucks (and What You Should Buy Instead)

whole life insurance sucks - family

I’m a husband. I’m a dad. My family depends on my income and my help around the house – whether it’s repairing the roof, putting together a new “big girl” bed, or even something as simple as changing yet another diaper…My family needs me. And, if I suddenly couldn’t do these things, they’d desperately need an income to replace me. This is where life insurance comes in. And, after looking at and studying many different options, I’ve come to the conclusion that whole life insurance sucks and pretty much no one should consider wasting their money on it.

8 Reasons Whole Life Insurance Sucks

Are you in the market for life insurance? Do you have a friend that’s trying to sell you on something and you’re just not quite sure about it? If you think their solution for you might be whole life insurance, run far and run fast my . . . → Read More: 8 Reasons Whole Life Insurance Sucks (and What You Should Buy Instead)

My Worst Investment Decision To Date…

my worst investment decision to date - double top

I made a mistake. I was hoping I wouldn’t have to admit it, but after two years and a continued drain on my wallet, I think it’s safe to say that I’ve made my worst investment decision to date…

My Worst Investment Decision to Date

It was June 2016. Liz and I had our first rental property humming and we were starting to save aggressively for the next one (with cash of course – we figured it would take about 2 years). At the time, the Dow was at $17,400 (the highest it had ever been) and the stock market had already been flailing for an entire year. And that’s when I saw it. The double top…!!

The Double Top? What the Heck Am I Talking About??

Back in my college years, I was way more interested in stock investing than I am today (these days I’m all about . . . → Read More: My Worst Investment Decision To Date…

How I Talked Myself Out of Buying a Better Car

talked myself out of buying a better car

Liz and I recently paid cash for a house, fixed it up, and sold it for a $27,000 profit! This allowed us to stash $122,000 in the bank, which is more money than we’ve EVER had at our disposal. It’s a great thing, but honestly, it’s giving me the “I want to buy some cool stuff” shakes. I know I know, it always seems like I’m so calm and collected when it comes to money, but everyone has their breaking point, right? Lately, because of this money in the bank, I’ve been subconsciously looking at cars again… This post is basically about my car fever and ultimately snapping myself out of it. Thankfully, I successfully talked myself out of buying a better car.

How I Talked Myself Out of Buying a Better Car

I currently drive a 2003 Pontiac Vibe. It has 167,000 miles on it, has quite a few . . . → Read More: How I Talked Myself Out of Buying a Better Car