Author - emilie

misc. stuff • saving money

How to Use Sinking Funds Each Month to Set the Course

9 months ago

Everything You Want to Know About Ashy Bines

9 months ago

Personal Finance Must Reads: Total Money Makeover by Dave Ramsey

9 months ago

When is it worth it to pay for the convenience?

9 months ago

debt free living • saving money

How to Use Swagbucks Without Putting in Much Work

9 months ago

Debt Payoff Strategies

9 months ago

How to Quit Spending More Than You Make

9 months ago

What to do when you are 60 days late on your mortgage

9 months ago

How to Contact Credit Reporting Agencies

10 months ago

Fighting the Urge to Splurge

10 months ago

1) Create a 50/30/20 budget that lets you know what you can afford.

2) Treat your marriage like a business. Let one person manage the money, both people need to agree on goals and budget.

3) Pay off toxic debt, but use “good” debt to get ahead.

4) Risk is a fact of life, sensibly manage it. Diversify, do target asset allocation, cut costs and stick to your plan.

5) Save early for retirement. Save as much as you can and don’t stop.

6) Preserve your home equity. Buy less house than you can afford, pay off your mortgage. Don’t move if you can afford it.

7) Be a savvy consumer. Shop around for financial products, review recurring expenses and advocate for pro-consume regulation.