No one intends to ruin their credit, but once your credit is messed up, it feels like it can never be corrected. But what if showed you how to repair your credit yourself and see results in just 30 days? Believe it or not, it’s not rocket-science and there are systematic steps that you can […]
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What are Sinking Funds and How to Open Your First One
Have you ever had a big expense pop up in your life and you thought to yourself — I wish I would have had money to pay for that? But since you didn’t have the money on hand and you needed to make the expense, chances are you went into debt. Maybe this was for […]
7 Simple Steps to Creating a Budget to Save $500 Per Month
Did you know that almost 80% of people are living paycheck to paycheck? In fact, since 2006 the paycheck-to-paycheck lifestyle has increased every year from 65% in 2006 to almost 80% today. What if those same people could stop living paycheck to paycheck and actually save money? The simple fact is those who choose to […]
Yes! Married Couples Should Share a Bank Account
When Andrea and I got married in 2008, we opened up a joint checking account together. Both of our paychecks were directly deposited into the one joint account and all of our expenses came out of the same joint account. This is how we have handled our finances since day one and we both couldn’t […]
Home Equity Loan vs HELOC: Pros and Cons and How they Really Work
Not only is owning a home considered one of the American Dreams, it’s can also be a great investment . However, on the surface, it may not look great compared to stocks. Historically, the stock market has produced between 9-10% returns, whereas real estate has averaged just above inflation at about 5.5% since 1940. In addition […]
The 50-30-20 Budget: How Does it Work?
In 2006, then Harvard Law Professor Elizabeth Warren co-authored a book with her daughter: All Your Worth: The Ultimate Lifetime Money Plan. The book introduced a very simple method for budgeting: The 50-30-20 budget. The budget is broken down into percentages of your after-tax dollars and creates a system to show how much you should […]