Why You Should Stop Listening To Personal Finance Gurus

stop listening to personal finance gurus

Ouch, I bet you thought you wouldn’t see this type of post on a personal finance website. But, we need to have a really big conversation about why you should stop listening to personal finance gurus.

Now, I want you to know, I have nothing against personal finance gurus. I think personal finance is a topic everyone should talk about and be a part of. But, I do think this discussion is important to have.

Here’s why you should stop listening to personal finance gurus.

Why You Should Stop Listening to Personal Finance Gurus

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

1) Personal Finance Is Personal

First, personal finance is personal, and it’s not a one size fits all equation.

What worked for Dave Ramsey may not work for you. Suze Orman’s retirement plans may not be your retirement plans. Maybe you don’t want to invest in . . . → Read More: Why You Should Stop Listening To Personal Finance Gurus

6 Things You Must Consider Before Opting for Home Insurance

buying a new house

There are few things in our lives that we can truly call our own. While family and friends certainly belong to that category, a house is also something that you can have an emotional attachment with. After all, it’s not easy to buy real estate to begin with, and even when you do, it takes years to make it a “home”. We’ll take a look at what you must consider before opting for home insurance.

6 Things You Must Consider Before Opting for Home Insurance

If you want to take care of your prized possession as well as your family, then one of the best things that you can do is get a good home insurance coverage. However, there are all kinds of insurance policies in the market which is why you must make your decision wisely. The following are the 6 main things that you need to consider opting . . . → Read More: 6 Things You Must Consider Before Opting for Home Insurance

How Going Plant-Based Will Improve your Overall Health and Wealth

plant-based diet

It was 2010. I was a year out of undergrad, working three jobs and sick and tired of feeling sick and tired.

I wasn’t sleeping right and always felt sluggish and bloated. And, I had an endless share of headaches, acne breakouts, and digestion problems. My joints ached and I felt way older than I should have for being in my early twenties.

Something had to give. And that thing…was my diet. Ultimately, spoiler alert, going plant-based was it. It changed my life forever and I never looked back!

How Going Plant-Based Will Improve Your Overall Health and Wealth

This post was written by our staff writer, Kerah Kemmerer.

What I Was Doing Wrong

In addition to not exercising nearly enough during this point in my life, I was consuming a lot empty calories. It wasn’t all junk food, but it wasn’t particularly nourishing either. I ate a lot of . . . → Read More: How Going Plant-Based Will Improve your Overall Health and Wealth

10 Ways To Avoid Paying Full Price

avoid paying full price fb

We live in a society where instant gratification and having the newest anything is considered cool. Some people spend money they really don’t have, overspend on items they don’t need, and even get into debt just to be able to say that they got the latest “it” item. But if you want to save some serious money and are trying to be frugal, the biggest wins happen when you can avoid paying full price for anything.

This is not to say that you can’t have new items or “it” items, but this list will help you avoid paying full price for them and even help you save money in your day to day transactions. Here are ten ways to do it!

10 Ways to Avoid Paying Full Price

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

1) Comparison Shop

It’s easier than ever to comparison shop . . . → Read More: 10 Ways To Avoid Paying Full Price

6 Financial Goals to Strive For This Year

financial goals to strive for

Finances are often a touchy subject. After all, nobody wants to talk about them, and most people get anxious thinking about their financial future. Want to get rid of this anxiety? It’s time to learn about the important financial goals to strive for this year. Instead of worry, you’ll be carefree and happy, with your finances being the last thing on your mind.

6 Financial Goals to Strive For This Year

Did you know that 73% of Americans die with debt? While getting out of debt is a big goal, it shouldn’t be the only financial goal you should set for yourself. Instead, you want to ensure you are making smart choices today while also preparing for the financial future. So if you’re looking to get a better grasp on your financial situation, here are 6 financial goals to strive for this year.

1) Have an emergency fund

Emergencies happen, . . . → Read More: 6 Financial Goals to Strive For This Year

Pay Off the Mortgage Fast (Like Us) With This Totally FREE Tool!!

pay off the mortgage fast - free tool

You’re out of consumer debt, you’ve got your emergency fund, you’re investing for your retirement, and now you’re finally ready to tackle the behemoth – the mother of all debts…the house! Congrats!! Just think about the future you’ll have here – use the tool below to pay off the mortgage fast, bump up your retirement savings yet again, and then still have so much extra money that you won’t even know what to do with it all!

These are good problems to have, so let’s get you there and pay off the mortgage fast!

How to Pay Off the Mortgage Fast (Like Us!)

We were completely out of debt, owned two rentals that we paid cash for, and our retirement funds were soaring…but somehow, we just weren’t content. Life wasn’t what we expected it to be.

Maybe it was the fact that our house was originally mine and my ex’s, . . . → Read More: Pay Off the Mortgage Fast (Like Us) With This Totally FREE Tool!!

How to Start a Business Without a Loan

start a business without a loan

One thing that’s typically pretty hard to get around when starting a new business is applying for a loan. A business loan can really help get your business off the ground. If you’re already in debt with student loans or a mortgage, or have doubts about the state of your credit rating, it can be enough to discourage some people from even trying.

This can be terribly frustrating. For instance, when carrying around a perfectly viable idea but you realize the enterprise will likely never see the light of day due to no financing options. It would be ideal to get approval for a business loan when starting your business. But, what if you could launch a new business without a bank loan?

How To Start a Business Without a Loan

The most obvious way to avoid borrowing the funds you need from a bank is to dip into your . . . → Read More: How to Start a Business Without a Loan

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

Tips for Acquiring the Biggest Tax Refund

tips for acquiring the biggest tax refund

Tax time is creeping up on us once again and folks are thinking about their refunds. Similarly, you may feel that last year’s refund was too low or maybe that it was right on target. According to the IRS, about 75 percent of taxpayers received a tax refund close to $2,800 last tax season. If you’re hoping to maximize your refund this year and get the largest one possible, here are some tips for acquiring the biggest tax refund.

Tips for Acquiring the Biggest Tax Refund

Be sure to get your hands on the most money possible this tax season! Take these tips to heart and get all the dollars back that you can!

1) Check Your Filing Status

This is one of the biggest tips for acquiring the biggest tax refund. A smaller refund or finding out you owe money can seem like a huge surprise during tax season. . . . → Read More: Tips for Acquiring the Biggest Tax Refund

Could You Get Out of Debt This Year?? (w/ Free Debt Snowball Calculator)

could you get out of debt this year - raining money - debt snowball

“Hi Derek! I make $60,000 a year and have $25,000 in student loans. Do you think I could roll up my sleeves and get out of debt this year?”

I get this question a lot. People know they have a decent income, they know they have debt, but they just can’t figure out how long it’s going to take them to get rid of it all. So naturally….they do absolutely nothing…

Could You Get Out of Debt This Year?

This drives me absolutely nuts!! C-mon, people! You’ve got a debt hanging out there that’s HUGE and is costing you thousands of dollars a year! Stop ignoring it! That ostrich “head-in-the-sand” approach that you’ve grown fond of…it isn’t working! That lion can still see you and you WILL get eaten if you don’t start moving and figuring out this debt thing!

So what’s the answer? What’s going to spring you into . . . → Read More: Could You Get Out of Debt This Year?? (w/ Free Debt Snowball Calculator)