Now that we have our Emergency Fund built up to the amounts equal to roughly one month’s expenses, we have decided to set aside “The Balanced 75/25 Method” of debt repayment/EF savings and focus on full strength – gazelle intensity – debt repayment!
Entrepreneurship Risk vs. Employment Risk… “You take the blue pill – the story ends, you wake up in your bed and believe whatever you want to believe. You take the red pill – you stay in Wonderland and I show you how deep the rabbit-hole goes.”
Did you know that credit cards are good at hide and seek? I didn’t either. Apparently… after watching some of their closest friends and family members disappear – last seen heading toward Close ‘em Shred ‘em Forget ‘em cemetery – credit cards will wise up and hide. Don’t let them!
How much of your hard earned money is going straight into the pockets of rich bankers every single month? Figure it out, get pissed, and do something about it! I did and I’m already paying less and will continue to pay less every month until I’m paying ZERO.
If you are trying to live on a budget and you have not planned for non-monthly expenses, it is just a matter of time before your budget is destroyed by one of these time bombs lurking just below the surface! Here’s how we avoid these budget busters…
This brief post is about one thing – my stance on FICO score and credit card use. You can take it or leave it, I’m just gonna lay it all out there for everyone to praise, pooh-pooh, or pout about. So by all means… feel free to butt in.
When is the last time you sat down and really evaluated your debt, calculated your total interest amount paid toward all loans, and truly established a proper relationship with your debt? For my buddy Fred… that time is now!
Discretionary spending is the silent killer looking to wreak havoc on your budget. If you want to increase your success with budgeting and money management, start keeping a spending journal. Period.
Most people overpay for just about everything these days – but usually lower bills and discounted prices are just a matter of employing a few simple, old fashioned tips!
It doesn’t take magic fairy dust to get customer service reps to give you a “good deal.” A lot of times all you have to do is practice the lost art of being nice!
Would you change your use of credit cards if you discovered the “rewards” are perceived income and not actual income? What if credit debt was enslaving your nation? What if both were true… what would you do?
What have credit cards ever done for you? Have they ever paid you noticeable rewards? Have they ever saved you in times of calamity? Or are they nothing more than a burden… causing you stress, perverting your spending habits, and costing you thousands in interest?
Maybe it’s time to put an end to these toxic relationships once and for all! Maybe…
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