Most people think that having one credit card is unnecessary so when I suggest people have two, their heads explode. Yes, I think you should have at least two. In fact, I have six now and sometime this spring I’ll add my seventh. A little ridiculous? Maybe. Worth it? Absolutely. Later I’ll explain why you…
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It’s time to stopping using pen and paper to manage our money and pick up something we already have at our fingertips, our phone. No longer do we need to hope our math is correct or spend hours calculating our financials, which that just plain bores us. So what are the top financial phone apps…
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Happy New Year! 2019 has officially started and I have a whole lot of plans. Last week I outlined to you how I like to approach setting and reaching my goals. Since I’ve tried to be as transparent as possible since day 1 I want to let you know what my plans are for YD&NB…
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On June 30th, 2018 I published the first article on this site. It’s an article with great information but looking back it was so terribly written that I can’t believe anyone has ever come back. My first six months of blogging are almost up and I want to do a recap. Looking back and thinking…
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Disclosure: There are some affiliate links below and I may receive commissions for purchases made through links in this post. Christmas is less than 2 weeks away, do you have your gift shopping done yet? In order to help you not break the bank, I made a list of my top 20 gifts under $20.…
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Can you believe the holiday season is already here? It seems the older I get the faster time moves. Whether you’re ready or not Thanksgiving is this week and Christmas is right on its heels. Personally, I love the holidays especially the tacky Christmas music. Unfortunately, the holidays can be extremely stressful for some…
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At the beginning of October, I told you I wasn’t going to eat out or buy alcohol during the week for the whole month. When I reviewed my budget I saw that a large number of my expenses were going into these two buckets. While the actual dollar amount varied by month it came…
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We’ve all heard the statement that money will never buy you happiness. Our usual response? Well, it sure wouldn’t hurt. While it may help, the fact of the matter is that money problems happen to everyone, even people with millions. The number of people who have more money than they could ever imagine only…
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I’ve always struggled with understanding why money is such a taboo topic. 99% of people avoid having important conversations around finances and in my opinion its a huge problem. I believe the phrase honesty is the best policy is especially true when it comes to money. The number of fights between family members that…
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While reading some of my favorite personal finance blogs this weekend I stumbled across a post from almost a year ago by J.D. over at Get Rich Slowly. J.D. outlines an awesome way that I’ve never heard of for measuring where you are wealth wise. The formula he uses is called the Lifetime Wealth…
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