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

difference between FIRE and minimalism

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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 . . . → 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

BillCutterz Absolutely Shocked Me And Saved Me Money on My Phone Bill

save money on your monthly bills - billcutterz

Have you ever thought, “Man, it sure would be nice to lower some of my bills, but calling all of my providers and haggling with them is going to take f-o-r-e-v-e-r…”? And then (of course) you never get around to it and just keep paying your ‘not-so-obscene-but-probably-too-high’ prices… Yeah, you’re definitely not alone. For all of you that are just too busy to save money on your monthly bills (which is probably every single person reading this), I highly recommend BillCutterz.

Save Money On Your Monthly Bills With BillCutterz

This post contains affiliate links.

I spoke with Barry Gross, the owner of BillCutterz, about a year ago and got such a good vibe from him and what his company was doing that I agreed to partner with him immediately. Since then, I’ve actually done an awful job promoting his company, but thankfully they were still successful in saving some . . . → Read More: BillCutterz Absolutely Shocked Me And Saved Me Money on My Phone Bill

How to Get a Credit Card Interest Rate Decrease

which debt to pay off first

Many people have had the same credit card for years, always paid on time, and never got an interest rate decrease. However, in most cases, these people don’t know the key secret… You must ask!

How to Get a Credit Card Interest Rate Decrease

Think about it; when you’re making a tidy return off an investment every month, are you inclined to offer to take less? Neither are credit card issuers. However, they sometimes will; especially if they think you’re about to move your account to a competitor.

Naturally though, there are certain parameters you’ll need to meet before you inquire. So, here’s how to get a credit card interest rate decrease.

1) Know What You’re Dealing With

Before you contact your issuer, check your credit score to make sure it’s good. Most rating agencies consider a 700 or above admirable. If you’re rocking an 800 or better, your . . . → Read More: How to Get a Credit Card Interest Rate Decrease

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 We Built a 6-Figure Blog in 8 Months with SEO/Organic Traffic

make serious money with your blog

Whoa, talk about an awesome post here! Ben Huber, from Dollar Sprout, got into the nitty-gritty details of building up SEO (search engine optimization) and attracting organic traffic. And we all know, the more traffic you’ve got, the more money you’ll make with your site! In his case, it was A LOT more money. Get out your note pad and get ready to learn! It’s time to make serious money with your blog!

Life rarely goes as planned. You make decisions you think are in your best interest only to find out later this isn’t always the case.

Take college for example. You graciously accept what often amounts to six figures of debt under the premise that it’s a non-issue and you’ll have it all paid off, and more, with your shiny new post-grad job.

I know, speaking for myself, that the thought of debt didn’t even cross my mind. . . . → Read More: How We Built a 6-Figure Blog in 8 Months with SEO/Organic Traffic

Types of Loans to Consider Before You Turn to Payday Loans

types of loans you should consider before turning to payday loans

There are a million reasons you might find yourself needing extra cash. Maybe you have medical bills pop up, or a car repair that can’t wait. Maybe you just want to finish up a home improvement project. Whatever the reason, there are a lot of ways you can get your hands on the extra cash. DON’T take out payday loans. Instead, take a look at all the types of loans to consider before you turn to payday loans.

Types of Loans to Consider Before You Turn to Payday Loans

Payday loans range from $100 – $1,000 are unsecured loans, meaning there is no collateral.

The Trap of Payday Loans

If you’ve ever seen a commercial for a payday loan company, they can make it seem very attractive. You don’t have to wait for your paycheck, and you get the cash you need immediately.

What’s so wrong with that?

The problem . . . → Read More: Types of Loans to Consider Before You Turn to Payday Loans