Savings

A Home Mortgage Means You Pay Double – Limited Income and Wise Spending

by Robert Espe
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We can only earn so much money in our lifetime… considering the fact that we rate chase savings accounts and seek out deals around every corner, should we really pay double the purchase price for our homes by using a home mortgage?

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Renting vs. Mortgage and A Solution for Mortgage Free Home Ownership

by Robert Espe
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The lie – “renting is throwing away money.” The truth – renting housing may be a better financial decision than buying a home. Don’t believe me? Check out these calculations on personal equity that prove my point.

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Debt Reduction and Savings Statement – January 2010

by Matt Jabs
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A debt free adventure can be a long, dry road… but continued progress in all areas of personal finance is a sweet breath of fresh air! Based on our financial goals for 2010 here is the progress we made through January of 2010.

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SEP IRA – Contribution Limits and Deadlines

by Matt Jabs

A SEP IRA allows business owners to make tax-deductible contributions toward employee retirement plans. It is treated and behaves much like a Traditional IRA yet has unique characteristics all its own. Discover SEP IRA contribution limits, deadlines, and more inside…

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The Need to Rethink Retirement

by Guest Author
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Besides taking responsibility for our financial future by investing in 401(k)s, Roth IRAs, and all the other choices available, it’s time to rethink what financial retirement is. See how Flexo challenges us to “Rethink Retirement.”

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Credit Financing and Deferred Billing – Kate Answered

by Matt Jabs
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Credit financing by way of promotional deferred billing is a powerful marketing tool to turn browsers into buyers. Should we finance the purchase or save and pay cash instead?

Help DFA reader Kate decide…

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Our Financial Goals for 2010

by Matt Jabs
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2010 will bring more debt reduction as we look to pay off our Lending Club loan and shift our focus to our 2nd mortgage. We also hope to diversify our income by increasing side hustle earnings. Heck… my wife might even start her own business in 2010!

Come on in and check out our financial goals for 2010…

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Student Loan Debt vs. Retirement vs. Savings – Dave Answered

by Matt Jabs
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Dave switched careers, is working a full-time job while earning his masters degree in the evenings, and is planning for his upcoming wedding. He is taking on student loan debt and is wondering if he should begin paying it off rather fund his 401k or build savings. Let’s examine his situation closely and offer some advice.

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Monthly Debt Reduction & Savings Statement – December 2009

by Matt Jabs
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Each month I post these Monthly Debt Reduction & Savings Statements so I can continually compare our current debt and savings amounts against our starting debt amounts from back in January, 2009 – when my wife & I began our Debt Free Adventure. I also use it as a way to summarize our progress toward debt free living.

This is the up-to-date statement of progress for December of 2009. Enjoy!

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Save Money by Buying Sale Items in Bulk

by Matt Jabs
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As you know I am big into taking control of your own income/debt situation by focusing on giving yourself a raise. By this I simply mean slashing expenses, reducing your debt load, and saving some for emergencies as ways to increase cash flow on your terms.

In the spirit of these principles I wanted to offer you a specific example of yet another way we save money to give ourselves a raise…

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Savings Money means Better Buys

by Matt Jabs
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I have used credit payment. I have used debit payment . I have used cash payment.

I have used borrowed money. I have used allocated money. I have used saved money.

So when it comes to money and credit and quality and value and price… what works best?

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