By Kerah Kemmerer, on February 21st, 2019  If you’re new here, you may want to subscribe by email and receive my free eBook, “101 Ways to Make More Money”! Thanks for visiting! Student loan debt has become the bane of the millennial generation. The internet is ripe with memes showcasing the brutal impact tens of thousands of dollars of debt continues to have on so many young adults. But student loans are the only option for affording higher education, aren’t they? Or…is it actually possible to attend higher education without student loans? Higher Education Without Student Loans? It’s Possible This article was written by our staff writer, Kerah Kemmerer. As a high school student, I, along with many of my peers, was indoctrinated with the message that student loans were the only way to afford higher education – and that said loans should even be considered “good debt.” Although I never really felt comfortable . . . → Read More: Higher Education Without Student Loans? Top 10 Tips Right Here! By Kimberly Studdard, on February 18th, 2019  We are in an age where many people believe that they will have to work until the day that they die. We also live in a time where people believe it’s just not possible to feel financially secure in their lives. But here’s the thing… it is possible to reach financial independence, and it is possible to feel secure with your money. Here’s Why You’ll Never Reach Financial Independence This post has been written by our staff writer, Kimberly Studdard. You know, reaching financial independence doesn’t automatically mean retiring either. It just means that if you were to lose your job, need to retire, or decide to leave your workplace and explore the world, you could. But…start doing any of the things below…and you’ll never reach financial independence. I can assure you of that. So be careful, and steer clear of the below actions! 1) You Think Negatively About Money . . . → Read More: Here’s Why You’ll Never Reach Financial Independence By Kimberly Studdard, on February 14th, 2019  Ah, tax season. The time where some people get tax refunds, some people pay taxes, and financial gurus say that you shouldn’t be getting a refund because that means you loaned the government free money. However you feel about tax season, the truth is that many Americans get refunds. So then the ultimate question is, what are the different ways to spend your tax refund?? 9 Unique Ways to Spend Your Tax Refund This post was written by our staff writer, Kimberly Studdard. It contains affiliate links. Also, around this time, many blogs and websites write an article on how to spend your tax refund. While they can be helpful for the masses, they all talk about the same things. Many lists include: paying off debt, creating an emergency fund, and then splurging a little on yourself. But you’re different than the rest, so how can you spend your spend . . . → Read More: 9 Unique Ways To Spend Your Tax Refund By Derek, on February 11th, 2019  We recently turned down millions of dollars…$20 million to be exact. And quite honestly, I think it’s one of the best decisions we’ve ever made. Think we’re nuts? We might be. But after reading this post, I think many of you will agree with us…and you’d give up the $20 million too. Why We Recently Turned Down Millions of Dollars “Lately, we’ve been thinking about buying a boat…” I was impressed. This, coming from my brother-in-law that had invested all of his money either in the stock market or in real estate and spends very little on pleasure. Heck, the guy is probably worth over a million bucks at 36 years old, and he and his wife and young kiddo still cram themselves in a small duplex because they’d rather have an investment than a true home to call their own. …And then he ended his statement with… “And you . . . → Read More: Why We Said “No Thanks” to 20 Million Dollars By Derek, on February 11th, 2019  When you’re looking at houses and mortgages, then look at your monthly income and start to panic, you likely think that there is no way you can afford a house. You’re probably not the only one. Luckily, there are a few solutions out there that could help you! Can’t Afford a House? Think Again Trying to purchase a property, whether it’s your first one or fifth one is stressful. With the fluctuation of interest rates, increasing housing prices, and a market that is more favorable for a seller than a buyer, it can be intimidating to start planning your future home. However, you don’t have to let these and other problems stand in the way of buying a home. Take a look at some of the following points on how you can still afford a house, even if you think you can’t. Can’t Afford the Down Payment For many, fronting . . . → Read More: Can’t Afford a House? Think Again By Kimberly Studdard, on February 7th, 2019  If you’ve ever looked up how to pay off debt quickly, retire early, or even just “live your best life on a budget”, you’ve most likely come across the option to live abroad. But is it really possible to live abroad to save money? Would You Live Abroad to Save Money? This post has been written by our staff writer, Kimberly Studdard. The short answer to the question above…It can be! Below are the pros and cons that you may experience if you want to live abroad to save money. The Pros There are many pros that come with going to live abroad to save money. Here are just a few. 1) Cost of living can be cheaper For one, the cost of living can be cheaper! For example, a teacher of mine in high school moved his family to China after he accepted a teaching job at one of . . . → Read More: Would You Live Abroad To Save Money? By Kerah Kemmerer, on February 4th, 2019  Do you love the idea of a location independent lifestyle – being able to work and live just about anywhere you choose? I honestly don’t know many people who don’t. But what should really get you pumped up is the realization that you can stay fit anywhere and on any budget too! While this isn’t particularly earth-shattering news, it’s easy to make excuses and find ways to NOT incorporate exercise into our daily lives, work and travel routines. 10 Ways to Stay Fit Anywhere (and on Any Budget) This post has been written by our staff writer, Kerah Kemmerer. We tend to take for granted that regular exercise is just as necessary for our overall health and wellness, and often let life get in the way. Especially since regular exercise is known to: increase longevity, stave off disease, increase memory and mental stamina, and help you sleep better. Well, no . . . → Read More: 10 Ways to Stay Fit on Any Budget (Hint: You Don’t Need a Gym Membership) By LaTia Longuemire, on February 4th, 2019  Many students at some point have thought countless times about ways to save money for study abroad. Higher education is not very cheap and one may think paying for that alone is a lofty enough goal. Study abroad can cost much more considering any extra things you may need for your stay out of country. However, in this post we’re going to show how you can get money and save money for study abroad. 10 Ways to Save Money for Study Abroad And here’s this list! Take notes, implement them, and save money for study abroad! 1) Savings Account Opening a savings account is one of the best, and most popular, ways to save money. Saving money may seem boring, but think about the benefits you can get after graduating from a prestigious university. The main rule of effective saving for a bank account is to limit the amount of . . . → Read More: 10 Ways to Save Money for Study Abroad By LaTia Longuemire, on February 4th, 2019  Not many things in life are free. But, if you know where to look and what to do, you can make free money online and improve your financial situation. What would you do for an extra $50 or $100? In some instances, you don’t have to do very much at all! Knowing how to make free money online is truly a game changer. Not only can you increase your monthly income, but you can also set out to meet your financial goals, such as paying down debt or saving for next year’s summer vacation. 5 Ways to Make Free Money Online Keep reading to learn about the many ways to make free money online. With these tips, you don’t need to make money to get money. 1) Sell Stuff It’s always a good feeling to de-clutter and to get rid of items that you no longer need. While you . . . → Read More: 5 Ways to Make Free Money Online By Kimberly Studdard, on January 31st, 2019  Can you believe that saving for a down payment on a home might not be the smartest thing to do? It’s absolutely true. Now, it’s obviously smarter to put some money down vs. no money down (that’s not what we’re talking about here). But, there are times where putting money down on a house might lead you toward financial suicide vs. financial success. Why Saving For a Down Payment on a Home Isn’t Smart This post has been written by our staff writer, Kimberly Studdard. If you log in to Facebook, you’re bound to come across tons of posts by people who have bought their first homes and they only had to put down 3.5% as a down payment. Or, there are those who saved up thousands of dollars just to be able to afford and get into the home that they wanted. Sure, they ended up getting the house, . . . → Read More: Why Saving For A Down Payment On A Home Isn’t Smart | Top Resources on this SiteAffiliate Disclaimer:We are a professional site that receives compensation from the companies whose products we recommend. We test each product thoroughly and give high marks to only the very best. We are independently owned and the opinions expressed here are our own. 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