For most of my adult life, I never really considered debt a four letter word. You know the type I mean. Those coarse, offensive type you start using as a teenager to act cool around your friends. I always viewed debt as a necessity, a way to …
A retail sales associate position offers a lot of flexibility as far as schedule and hours. The significant negative related to a retail position is you have to deal with people. One of the things we did when working our way out of debt was …
American workers are enjoying historically low unemployment rates. But just because they are working, that doesn’t mean they have enough money to save. It appears many American workers can’t do everything, like saving for emergencies, retirement, and meet their monthly bills. Nearly 40% of American …
Debt comes in all shapes and sizes. There’s student debt, mortgage debt, and credit card debt, just to name a few. My family and I lived with consumer debt for years. Have you ever wondered how your debt or finances compare to others around you? …
I’ve also thought of the bucket list as an item for the individual and never considered bucket list ideas for the family. If unfamiliar with a bucket list, it typically defined as a list of life goals or things you’d like to do before you …
In 2015 I wrote an open letter to my three children. It was inspired by the Jim Collins post I read titled “How I failed my daughter and a simple path to wealth” and Cait’s Flander’s article “An Open Letter to High School Students.” I …
I’m a sucker for a good side hustle. Who wouldn’t be? The side hustle is a great way to increase income for a while or just might turn into your full-time job. Two of the fundamental principles of personal finance are to decrease spending and …
Do you need a bump in your net income? Working hard and working smart are not necessarily the same things. Indeed, the sad reality is that thousands of hard-working Americans struggle to pay off debt, not because of a lack of effort or endeavor, but …
It’s an unfortunate fact that money management skills are not taught in many of our school systems today. In fact, only 17 of 50 States require a personal finance curriculum. It’s no wonder what some many people carry debt. They simply just don’t know any …
June is typically associated with Dads and Grads. Dads for the celebration of father’s day and Grads for all of the recent graduates who have now enter the next phase of their lives. Whether you are a high school or college graduate, you have some …
Have you heard any news about income share agreements for funding higher education? Well if you have not, the concept of an income share agreement has been around since the 1950s, but only recently began to draw attention again with the skyrocketing cost of a …
When I reflect on my 20’s, I have mostly good thoughts. I did a lot of things right. At the same time, I did a lot of things that I would completely change if I could go back in time. This post will share eight …