Category: Personal Finance
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Pull Your Free Annual Credit Report Before the End of the Year
This is a public service announcement and reminder to pull one of your credit reports from Experian, Transunion, or Equifax by the end of the year. The only place you should do this is by going to the official site www.annualcreditreport.com. It is Federal law that allows each of us to get a free…
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4 Things to Look For on Your Credit Report
As the year comes to an end, it is important to take advantage of the Federal law that allows you to pull your credit report every 12 months. The only place you should go to do this is by visiting www.annualcreditreport.com. This is the official website. The credit reports will not have an official FICO…
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6 Ways to Build Credit to Improve Your Credit Score
There are some financial “entertainers” who believe that building credit and building your FICO credit score is unnecessary and a waste of time. There are some who believe you need to build your credit and continue improving your credit score. I believe that you should keep an eye on your credit and build your credit…
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November 2018 Monthly Side Hustle Extra Income Report
I originally intended for this side hustle extra money report to be monthly but clearly I failed. My only one so far is from September 2018 when I made almost $1,000 in extra income. I started this blog as a personal journal because I went through some of the dumbest financial mistakes possible most notably…
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4 Simple Money Advice I Gave to a Colleague in Their 20s
Recently I was talking to a colleague in her 20s and we started to talk about interests. I started to bring up my interests in financial independence, investing, and going on my podcast and audiobook binges related to those subjects. Throughout this conversation I realized that her financial mentality is exactly the same as it…
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My 5 Biggest Money Mistakes
I have made some of the worst money mistakes any person can make. It took me at least 10 years to recover from these money mistakes in my 20s and I have been paying for these mistakes to this day. What are your worst financial mistakes and how have you or are you recovering? Here…
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My $77,000 Student Loan Debt Payoff November Progress Update
Ever since I set my student loan debt payoff goal of March 2019, I have been motivated more than ever to continue seeing my student loan debt shrink and eventually paid off. I have been paying a bit more on top of the $2,300 a month I currently pay thanks to my side hustles. Although…
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5 Actions I Will Not Be Cheap About
I genuinely believe that if you are just starting to plan for your future whether that is early retirement or financial independence or developing a plan to get out of debt, then you need to start budgeting. I spend a minimal amount of time a month budgeting and it has helped me to know where…
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September 2018 My First Side Hustle Monthly Income Report
I started this blog as a personal journal because I went through some of the dumbest financial mistakes possible most notably defaulting on my $77,000 student loan debt. Along the way my hope is that this blog will allow me to learn from others, share knowledge, encourage others, and hold myself accountable. I enjoy my…
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OMG Favorite Personal Finance Blog Posts of the Week Featuring Debt Experience vs Debt Knowledge, Procrastination, and Ego
For this week I rounded up the following blog posts that I enjoyed reading. OMG My Money’s favorite personal finance posts of the week (My first contribution! Thanks Michelle and Howard for letting me be part of this!) Which is better for getting out of debt, experience or knowledge by Debt.com – click here My take…
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My Simple Way of Budgeting and Budget Categories
Earlier this year (May 2018), I had a personal finance epiphany. Out of nowhere I got this urge to get a hold of my finances and start aggressively paying off my $77,000 student loan debt and further educate myself on personal finance, financial independence, and investing. During this epiphany I decided to plan how I…
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OMG My Favorite Personal Finance Blog Posts of the Week
For this week I rounded up the following blog posts that I enjoyed reading. OMG My Money’s favorite personal finance posts of the week How to automate your money by Let’s Automate Your Money – click here My take – I am a big believer in automating your money. It is one or 10 less things…
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My $77,000 Student Loan Debt Payoff Goal March 2019
Back in July (2018), I wrote a post about getting motivated to pay off my student loan debt. In that post I did not set a specific date and simply noted that I wanted to pay a little extra per month. I had a great start last month in August paying an extra $9,600 towards…
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How to Select the Right Role Models
I read or listened to an audiobook or podcast several months ago about selecting the right role models according to Bill Gates and Warren Buffet. I took notes on my phone so these might be a bit rough. Here are the 3 points to selecting the right role models Make sure your role model shares…
Categories: Personal Finance -
How I Am Saving Money By Working Out At Home
I have always worked out at home despite some of the companies I worked for either subsidized or basically paid for a gym membership. Perhaps it is the introvert in me, but I find comfort working out alone. I also get to multi task and work on other things during my rest period. (Honestly though…
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Kevin Hart Has One of the Best Financial Advice Stay in Your Financial Lane
I enjoy my share of stand up comedy performances. One of my favorites has been the earlier Kevin Hart stand up called “Laugh at My Pain”. He has a bit (check out the clip below) about staying in your financial lane. I call this one of the best pieces of financial advice. It has to…
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August 2018 Post Recap
Last month (August 2018) I posted 15 total blog posts, slightly lower than the 21 blog posts in July 2018. With so many posts, I thought I would start a monthly post recap to share the most viewed. I do not think I can do a weekly recap so baby steps for now. Most viewed…
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Confessions of An Over Thinker Planning for a Vacation
Summer is wrapping up and kids are either back in school or getting ready to go back to school. Randomly I thought it would be fun to share what an over thinker goes through when planning for a vacation. What areas do you over think or over research whether personally or professionally? Do you think…
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7 Factors to Evaluate Your Current Job and Career Ambitions
I believe that you are more likely to achieve your goals (finance, career, personal) when you write them down. Well, I should say that I started believing writing down goals because I started this personal finance journey blog. This post is inspired by a blog post I came across at Making Sense of Cents. The…
Categories: Personal Finance -
My 3 Year Financial Plan
I have to admit, the older I get the less I want to think about long term plans. Similar to how I have been thinking about how the next Olympics is X years away and how old I will be. I am getting closer to the big 4-0, which is crazy to think about. Back…
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