How I Paid Off $25k in Student Debt in Under 15 Months

I am excited to welcome a fellow blogger, Jacob of Dollar Diligence, to the blog today.  Jacob has an inspiring personal finance story to tell about how he managed to quickly get out of debt thanks to hard work, sacrifice…and a little help from relatives.

His story should inspire all of us that we can take control of our own financial situations if we develop a goal and stick to a plan in order to reach it.

Without further introduction, here is Jacob!


Today I want to share with you my extreme debt-payoff story and how it has changed my […]

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2017-09-09T07:45:58+00:00 September 12, 2017 7:15 am|Categories: Budgeting, Debt, Guest Post|Tags: , , |2 Comments

Repairing Credit History To Avoid Loan Refusals

Our next guest post comes from Dan Miller of Bizzmarkblog.com with some perspective on credit scores and how to avoid loan refusals. I have stated several times myself how important building good credit is, and Dan dives into ways to fix and maintain good credit.

Dan is from the greater Sydney area, born and raised in Liverpool, Sydney. After high school, he went to the Sydney University where he received his master’s degree in banking and finances. He worked as a payments officer for nearly ten years in banking and international payments in the Australian banking sector. His hobbies […]

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2017-06-19T16:02:36+00:00 June 21, 2017 6:15 am|Categories: Guest Post|Tags: , |2 Comments

Why Large Tax Refunds Are Not As Great As They Seem

Tax season can be nerve wracking and tedious for some. Those without a company withholding income taxes throughout the year need to make quarterly tax payments to the IRS, while others who haven’t planned well may not have prepared for the tax burden come April.

But for approximately 70% of U.S. taxpayers, a refund check is on its way shortly after filing taxes. And according to the Motley Fool, the average tax refund is nearly $3,000.

Great, right? Well, not if you are paying down debt or investing.

Many people do not realize it, […]

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2017-04-18T07:33:32+00:00 April 18, 2017 6:30 am|Categories: Debt, Investing|Tags: , , , |0 Comments

4 Ways Dave Ramsey’s Baby Steps Miss the Mark

Since you’re reading a blog about personal finance, there’s a good chance you have heard of Dave Ramsey and maybe even follow some of his financial advice. Much of it is very helpful, simple advice that working adults managing their own finances should know.

If you are not familiar with Dave Ramsey, he hosts a syndicated radio show on personal finance and is the author of several books, including The Total Money Makeover.  The show instills his Christian beliefs and a very very anti-debt message.  In fact, he is so anti-debt that some of his advice misses several basic financial perks that leave individuals better […]

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Budgeting 101: Your Monthly Expenses Need An Overhaul

I was flicking through the channels on my cable TV years ago when I stumbled upon premium movie channels HBO and Showtime. “Cool!” I remember thinking to myself…knowing when I signed up for my Time Warner cable package, I had only signed on for a lower package. “Free premium channels!”

You’re probably not as naïve as I was then. As you may have guessed, this was part of a free trial that later expired…but the premium channels stuck around at their regular monthly prices. My old self did not budget whatsoever, and with autopay set up the increasing cable bill went […]

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2017-05-02T21:45:00+00:00 March 16, 2017 7:00 am|Categories: Budgeting, Recommendations|Tags: , , |0 Comments