Top Reasons to Pay Off a Mortgage Early – by the Mortgage Mutilator

top reasons to pay off a mortgage early

I met Alex about a year ago when he reached out to me for the first time. He had recently started a website (like I always encourage ALL of you to do) and wanted to reach out to, and help, as many people as possible. I agreed to let him write an article for me, and quite honestly, it was fantastic. Since then, he’s reached out again. And this time he had even more material – the top reasons to pay off a mortgage early! Check out Alex’s awesome post below and the special offer at the end. Enjoy!

Top Reasons to Pay Off a Mortgage Early

When we paid off our $400,000+ loan in only 6.5 years we saved a boat load of money. Money that we’re now getting to keep for ourselves instead of paying it to the bank as interest.

A handy rule of thumb is . . . → Read More: Top Reasons to Pay Off a Mortgage Early – by the Mortgage Mutilator

How to Bounce Back From an Unexpected Emergency

bounce back from an emergency

Life can be rough. Whether we like it or not, bad things will happen. It’s inevitable.

People get sick Our cars break down Our kids get injured

Far too often, people are impacted by an unfortunate event, which drives them into debt. And then they do nothing… They just keep that debt around forever. This is obviously not the best plan. You’ve got to figure out how to bounce back from an unexpected emergency!

How to Bounce Back From an Unexpected Emergency

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

So how do you bounce back from an unexpected emergency financially? While it may seem difficult, there are many ways you can do so.

Face The Problem

As much as you may not want to, it’s important to face the crisis you are experiencing. If you hide from it, or try to avoid it . . . → Read More: How to Bounce Back From an Unexpected Emergency

9 Benefits of Debt Freedom That Have Nothing to Do With Money

benefits of debt freedom

A giant net worth, a healthy savings account, thousands of dollars of cash flow each month – all of these things are benefits of debt freedom, but I wouldn’t call them the benefits. Sure, money is great and all, and it’s fantastic to not owe a soul a single penny, but the benefits of debt freedom reach farther than the typical person can actually comprehend.

9 Benefits of Debt Freedom That Have Nothing to Do With Money

I’ve been completely debt free for almost 3 years now, and it’s funny how things change…

You know those emotionally moving videos on Facebook where the gruff old guy gets gifted with those special glasses so he can finally see color? He opens the box, glances up at his wife and kids and gives the look of, ‘Yeah, right. This isn’t going to do anything. Nothing’s going to look any different.’

…and then . . . → Read More: 9 Benefits of Debt Freedom That Have Nothing to Do With Money

Invest $100, Get $50 with Wealthsimple!! – Offer Ends November 30

wealthsimple offer

Would you like to invest, but are totally intimidated by it? Or you feel like it’s just too complex for you?

Wealthsimple is your answer.

…AND I talked them into extending their offer with Life And My Finances readers! From now until the end of November, they’re willing to give $50 to anyone that invests $100 with Wealthsimple!! Take advantage of this while the promotion lasts. I won’t be able to talk them into this deal forever!

Invest $100, Get $50 with Wealthsimple!!

I’m really starting to love Wealthsimple, so I have absolutely no shame promoting them again…and again…and again (I have personally invested money with them, and it’s on course to earn more than 12% this year!!). And, since their $50 offer only lasts a few more days, I thought I’d send out one more heads-up to all you readers that were interested in signing up for the last . . . → Read More: Invest $100, Get $50 with Wealthsimple!! – Offer Ends November 30

8 Reasons I Think NFL Players Don’t Earn Enough Money…Seriously!!

I think I’ve heard it about 10 times recently, “Man, those NFL players make too much money. What makes them so fricken valuable anyway?”

And…while I don’t often voice it (it’s not too popular to get into a verbal fight at work…that’s where these conversations typically come up), I think to myself, “Too much money? I’m not sure they earn enough!”

Call me crazy, but I’m dead serious.

Do NFL Players Make Too Much Money? I Don’t Think So…

Sure, the average NFL player earns $2.1 million a season, but what does that really mean for them?

Does that guarantee them riches for the rest of their lives? Does this equate to eternal happiness and bliss?

For pretty much every NFL player, the answer is “no”.

While becoming a famous NFL player is still the dream of many children, there are plenty of reasons why they actually might want . . . → Read More: 8 Reasons I Think NFL Players Don’t Earn Enough Money…Seriously!!

8 Ways to Stay Out of Debt This Christmas

stay out of debt this Christmas

In case you didn’t realize this…it’s November…which means that Christmas is a month away. Do you have a huge pile of money saved up so you can buy all those future gifts with cash?? Haha, I doubt it!

The good news is, it’s not too late! And lucky for you, frugality and outside-the-box thinking just ooze from my veins! 😉

Even though you’re starting a little late, let’s figure out how you can stay out of debt this Christmas, and how to get into January without the financial scars!

8 Ways to Stay Out of Debt This Christmas

Here’s the typical person around Christmas time. They…

write out their list of what they’re going to buy and for who, they drive to Target or Walmart and pay full retail price for them, and then they return home, wrap them, and feel satisfied in their accomplishments…

…all while racking up debt . . . → Read More: 8 Ways to Stay Out of Debt This Christmas

Important Tips for Keeping Your Vehicle Costs Down – The A-Z Guide

vehicle costs down

In the US, a vehicle is a necessity. The country is so vast, so diverse, and so populated that it is important to be able to get from A to Z whenever you want. Sometimes, carpooling and public transportation simply won’t cut it, especially if you don’t live in a big city. When you’re in search of a new vehicle, or a used vehicle, you will want to have all your proverbial ducks lined up in a row.

Important Tips for Keeping Your Vehicle Costs Down

The following is a guest post from my friend Ryfka and her recent car-buying experience. Enjoy!

Do you buy a new car, a certified car, or a used car?

This is the subject of conversation among many financial analysts, financial advisors, and buyers. The answer to the question varies from one person to the next. If you are in the market for a new . . . → Read More: Important Tips for Keeping Your Vehicle Costs Down – The A-Z Guide

Our Project House Progress – 3 Weeks In!!

Oh my word, has it really only been three weeks since the house closing? Liz and I have absolutely been busting it over there – I’ve been working early mornings, she’s been working late nights, and we’ve both been putting in our fair share of hours on the weekends…

So what the heck have we been working on? What progress have we made so far?

Well, if you follow me on Facebook, you pretty much know EXACTLY what we’re doing and where we’re at with the progress. I’ve been uploading videos, pictures, and sending posts about what we’re working on each day. If you just said to yourself, “UGH! I’ve been missing out! I want to see what’s going on!!”, then you’d better start following us on Facebook! Simply like and follow my page here.

For the rest of you that prefer to follow via post updates like this…then here . . . → Read More: Our Project House Progress – 3 Weeks In!!

The Best Bill is One That Never Happens – Here’s How to Do It…

You rush to the car juggling your coffee, car keys, and a couple of bags. You yell for the kids to hurry and remind Johnny to go back in and get his lunch box.

And that’s when you notice the flat tire. Ugh! You don’t have time for this right now! How old is that tire anyway? What could possibly be wrong with it?

When you dig through the glove box, you find the receipt for the tires…and it’s not what you expected. You actually bought them longer ago than you remembered. And somehow never managed to get them rotated or inspected, even though it was included with the original price of the tire…

How would you like to never have another financial emergency? With some intentionality, it’s absolutely possible.

How to Never Have Another Financial Emergency

There’s never enough money or enough time in our lives. We feel like . . . → Read More: The Best Bill is One That Never Happens – Here’s How to Do It…

8 Home Buyer Mistakes You Need to Avoid

8 home buyer mistakes you need to avoid

When you’re looking for real estate & homes for sale in Laval and other great residential cities, it’s quite easy to make mistakes during the whole process. The problem with these mistakes is that buying a house involves a great deal of money, and mistakes can severely affect your financial situation. You may end up with an unsuitable house or a home that you can’t actually afford.

8 Home Buyer Mistakes You Need to Avoid

Here are some of the more common mistakes people commit regularly when they’re trying to buy a home:

Neglecting to research the neighborhood.

Most listings tend to feature the home itself, but you’re not just buying a house. You’re contemplating a new life for yourself and for your family, and that life will be significantly affected by the neighborhood you will live in. So if you have kids, you need to make sure that there . . . → Read More: 8 Home Buyer Mistakes You Need to Avoid