Dave Ramsey’s 7 Baby Steps: Step 2 – Pay Off All Debt Using The Debt Snowball

In my last post in the 7 Baby Steps series, we looked at Baby Step 1, saving up an emergency fund of $1000. You save up that baby emergency fund in order to insure yourself against the risk of life's little emergencies that have a way of popping up at the least opportune time.   If you don't save up that money as an insurance policy, you can be assured that your plan to get out of debt will be set … [Read more...]

Cheap vs. Frugal and How Not To Be A Cheapskate

Sometimes, people consider themselves frugal, when in reality they’re just cheap. If you’ve watched shows like Extreme Cheapskates or Extreme Couponers, you know the ones I’m talking about — they’ll go on and on about how they like to save money. They’ll do almost anything just to save a dollar or two. There is a huge difference in the terms cheap and frugal, but how can you tell which one you … [Read more...]

4 Tax Programs to File Self-Employed Taxes Online (for Less than $100)

Learning to file self-employed taxes online may seem daunting at first. Especially if you don’t have any tax experience or much knowledge. But that doesn’t mean you should miss out on saving money. In fact, you can easily create systems for your business income and expense, while saving $500+ in tax filing fees. By the time you’re done reading this post, you’ll be able to file your … [Read more...]

Dave Ramsey’s 7 Baby Steps: Step 3 – 3 To 6 Months Of Expenses In Savings

Last time we looked at Baby Step 2, paying off all your debt using the debt snowball. You take your bills, put them in order from smallest amount to largest amount, and proceed to pay them off one by one, snowballing the amounts until the debts are gone! Baby Step 3 – 3 To 6 Months Of Expenses In Savings In baby step 1 we built up a $1000 emergency fund in order to protect us from life's … [Read more...]

6 Ways To Get Your Partner On Board With Personal Finance

Did you know that many money arguments aren’t really about money at all? Instead, they’re mostly due to lack of communication and being on the same page. If you are on a personal finance journey with a significant other, it can be hard to convince them to join in if they aren’t used to the concept. Here’s how to get your partner on board with personal finance, without fighting.6 Ways To Get Your … [Read more...]

How to Become a Virtual Assistant and Make $500 in 30 Days (Even as a Newbie)

Anyone can become a virtual assistant and get paid to do what they love. I’ve proven it! One of the first dollars I ever earned as an online business owner was by working for another entrepreneur as her Marketing Assistant. I helped promote her ebooks through researching and creating posts for guest blogging campaigns, creating landing pages for webinars, writing follow up email sequences … [Read more...]

M1 Finance Review: The Fee Free Robo-Advisor

As a long term investor, I do everything I can to ensure that my returns are as high as possible over the long haul. What sort of things am I doing to ensure that I come out ahead? I'm doing my best to keep my investments diversified, and keeping the costs for my investing low. Typically people can see fees, commissions, expense ratios and account costs eat into their end returns, and it doesn't … [Read more...]

July and August 2018 Blog Income Reports

Believe it or not, I started this blog back in 2010, which means I’ve kept this thing going for over 8 years now! Sheesh! That’s crazy! You might think that by now I’ve covered everything that can possibly be written about in the area of personal finance, but as I continue to learn and grow – both in my exploration of finance and my journey through life (marriage, divorce, … [Read more...]

H&R Block Tax Software 2018: Self-Employed Online Tax Filing Made Easy

Have you ever wished that you file your self-employed taxes online without the hassle of dealing with a complicated interface? Now you can with a great new option from H&R Block Tax Software! H&R Block recently rolled out a new Self-Employed Online Tax Filing option for small business owners and the self-employed. This is in addition to their Premium Tax Filing option that’s exclusively … [Read more...]

Things You Should Know Before Trading in the Stock Market

Have you set any financial goals for yourself in the new year? Many individuals want to get better with their finances and use the New Year as a starting point for setting goals and accomplishing those dreams. If your money goal happened to be earning more income next year, one option might be to start investing in the stock market. Believe it or not, the stock market, when understood, can … [Read more...]

Can’t Sell Your House? Here Are Your Options

The housing market is white hot right now. Some houses are selling in less than a day…and then there’s your house…which has been on the market for months and is still not selling. You’re desperate to know – what are your options if you can’t sell your house?? Lucky for you, there may still be a light at the end of this tunnel!Here Are Your Options If You … [Read more...]

5 Insanely Simple Ways to Fix Your Finances (With a Money System)

Are you ready to fix your finances? In this post that’s exactly what I’m talking about! In the past I’ve talked about the business systems you need to take back your work day. And I’ve also explained the ten things you can do every week to automate and streamline your business. These are strategies you can put in place as way to reduce stress and gain more freedom as a business owner. … [Read more...]

3 Guidelines For Trading In Blockchain

Historically, the stock market has been the single greatest source of long-term wealth creation. Investing in the stock market has always been a good idea because stocks generate an impressive annualized return even after you factor in inflation. In fact, many good investors have more than doubled their investments over the span of a decade. Still, while the stock market is a great way to build … [Read more...]

Time Management is Money Management

Everyone has heard the saying “time is money” at least once in their life. This is one of the primary principles behind an hourly wage after all. For most people their time literally is money. Therefore…time management is money management.Don’t think you’re above this truth because you have a salary. One of the great myths about salaries is that they somehow operate outside time. … [Read more...]

Discover Bank Review 2018: Free Personal Banking for the Self-Employed

Finding an online bank that has the features you need to support your personal expenses and self-employed business is a huge deal. At the most basic level, you want free, easy-to-use, and a high-interest rate for your money to grow. This is why you need to check out Discover Bank’s suite of online accounts! Nope, they don’t just offer credit cards. Discover Bank has free, no-hassle savings and … [Read more...]

Dave Ramsey’s 7 Baby Steps To Getting Out Of Debt

For my first real post on this personal finance blog I thought it would be appropriate to talk about one of the people who have influenced my financial life the most, Dave Ramsey. For those of you who don't know, Dave Ramsey is a personal finance guru who has a daily radio and TV show, in addition to personal finance seminar called Financial Peace University. Dave Ramsey is extremely popular, and … [Read more...]

10 Easy Ways to Curb Bad Spending Habits

So you overspent last month…again. And now you’re trying to figure out where you went wrong and how to avoid it in the future. Does that sound like you? If you find yourself constantly thinking about your bad spending habits, and you’re ready to make a change in your finances, keep reading. Here are 10 easy ways to curb bad spending habits, and have more money in your pocket.10 Easy Ways to … [Read more...]

How to Improve Your Life by Tracking Every Tiny Business Expense

Improving your life as a small business owner starts by making small but positive changes. There are so many aspects of our lives that need to be taken care of: health, financial, social, personal and business. Some days it can feel overwhelming trying to balance everything and still find enjoyment in your work. One of the aspects I’ve learned to successfully control is business finances, and … [Read more...]

Dave Ramsey’s 7 Baby Steps: Step 1 – $1000 To Start A Baby Emergency Fund

In one of my first posts on this site I gave a brief overview of Dave Ramsey's 7 Baby Steps, and gave links to a few other sites who talked about them. Today I want to begin my series on the 7 Baby Steps by talking about Baby Step 1, saving up $1000 for a baby emergency fund. Before You Start The 7 Baby Steps The 7 Baby Steps can be a life changing paradigm shift for many people, but like any … [Read more...]

How We Built a 6-Figure Blog in 8 Months with SEO/Organic Traffic

Whoa, talk about an awesome post here! Ben Huber, from Dollar Sprout, got into the nitty-gritty details of building up SEO (search engine optimization) and attracting organic traffic. And we all know, the more traffic you’ve got, the more money you’ll make with your site! In his case, it was  A LOT more money. Get out your note pad and get ready to learn! It’s time to make … [Read more...]

FreshBooks Review 2018: Try Cloud Accounting Software Free for 60 Days

No matter what type of business you’ve built it’s vital you find accounting software that keeps tracks of your business income and expenses. And that’s where FreshBooks comes in! Over the years, FreshBooks has offered many different iterations of their software. The great thing though is that compared to other complicated accounting programs (like QuickBooks or Xero) FreshBooks offers a … [Read more...]

Using Free Resources To Keep Tabs On Your Credit Score

One of the ways that you can stay on top of your finances is to track your credit score. While a credit score isn't the be-all and end-all of your financial snapshot, it can still be rather helpful as you keep tabs on your overall financial situation. While it might cost you money to access a more “official” credit score, there are plenty of ways that you can get a general idea of how … [Read more...]

June 2018 Blog Income Report – Coming Back Down to Reality…For Now

Back in March, I earned $3,600 with my blog. It was incredibly surreal and I didn’t know if it was sustainable. As it turns out…it wasn’t. I’m now coming back down to reality, but you know what? Now I have a clearer vision of what it will take for this blog to earn some serious bucks in the future.June 2018 Blog Income Report – Coming Back Down to Reality…For … [Read more...]

How to Make Money With Affiliate Marketing and Amazon (Without a Blog)

This is a sponsored post written by me on behalf of Amazon Influencers. All opinions are 100% mine. Can you really make money with affiliate marketing without a blog? Yes! And there are actually a lot of options to do so. Affiliate marketing is basically a referral program that allows you to recommend certain products, tools, or software, and earn a commission from anyone who buys using your … [Read more...]

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