Blog

RETIREMENT 102: ROTH VS TRADITIONAL May 01, 2018

Picture

You have options!  As we discussed in the Retirement 101 article, there are many different retirement accounts to choose from when you are planning for the future.  You also probably noticed that I said "available in traditional and roth".  Our next step is to define what...

Continue Reading...
SHE'S GONE Apr 12, 2018

Picture

I just sold my 2016 Honda CR-V!  I bought it brand new and still owed about $21,650 but I felt like it was time.  Car payments make a huge difference in any debt free journey especially when they are around $400 a month!  That's not taking into consideration the taxes,...

Continue Reading...
RETIREMENT 101 Apr 07, 2018

Picture

One word: underrated.  Retirement is key to your wealth building.  Yes, you can be frugal and save as much as possible.  Yes, you can aim to be debt free and be intensely paying off your accounts but what are you doing for your future self.  Is your future self broke while...

Continue Reading...
A MINOR SETBACK Mar 28, 2018

Picture

If you have been following my blog and social media, you know that I am on a journey to be debt free by 30. This is going to take a lot of work but I am up for the challenge! 3 more years and counting!

Well, this week I had to get about $2000 worth of housework done and trust me the contractor...

Continue Reading...
THINGS I LEARNED FROM MY DC TRIP Mar 25, 2018

Picture

I just came back from traveling Monday.  I hope you all did not miss me too much!  I decided to take a trip to DC.  Visiting the many museums has been on my bucket list since high school.  I am a true nerd!  So, for this birthday, I decided to go ahead and cross it off!...

Continue Reading...
FILING TAXES Mar 10, 2018

Picture

I have been filing my own taxes since I got my first job at the age 16.  It blows my mind when friends and family members tell me how they pay an arm and a leg to get their taxes done.  Most people can file their taxes completely free thanks to the federal government!  Did you...

Continue Reading...
A NEW APPRECIATION FOR LIFE Mar 01, 2018

Picture

I have been diagnosed with asthma my entire life.  I never really had any issues with it flaring up.  I can count the times I've had issues on one hand (literally).  This past Friday caught me by surprise.  

I had a severe asthma attack and because I never have issues, I did...

Continue Reading...
IT'S TAX SEASON Feb 07, 2018

Picture

During this time of year, Americans usually fall into one of two camps.  Either they are excited because they are expecting a big tax refund or sad because they know they will end up going.  No matter what camp you fall into, I want to explain why neither scenario is ideal and some...

Continue Reading...
A LITTLE EMERGENCY FUND debt saving money Feb 04, 2018

The infamous emergency fund!  Most people know what it is but do you have anything saved for a rainy day?  Right now, I have a little over $1000 saved in case I need it.  Why not 3 - 6 months like you read and hear about from financial experts?

Well, the short answer is because I...

Continue Reading...
METHODS TO TACKLE DEBT debt Jan 28, 2018

Now that you know what is on your credit, checked your credit score, and called your creditors, let's talk about paying debt down.  There are a couple of different ways to accomplish this potentially monstrous task.  You can either use the snowball method or the avalanche method....

Continue Reading...
THE IMPORTANCE OF CREDIT (PART 3) credit debt Jan 21, 2018

Ok, so now we know what's on our credit and our credit score.  Let's clean it up a little!  I want to start with collection accounts since they are the most detrimental to your score.  Never pay anyone to do this for you!  It is pretty simple and I am going to walk you step by...

Continue Reading...
FIRST STUDENT LOAN PAID!! budgeting credit debt psychology Jan 17, 2018

I had to take a quick break from our credit discussion to announce my first student loan debt has been paid in full!  I am super excited!  I am in the middle of my debt snowball (paying debt down in order from smallest balance to largest).  That particular loan started with a...

Continue Reading...