As the COVID-19 pandemic continues to threaten the world, the United States economy has slowed significantly or nearly shut down in some areas. Because of the required actions to slow the spread of the coronavirus, most non-essential businesses have been forced to shut down, resulting in millions of layoffs. To combat the economic effects […]
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Even the most frugal of people need to purchase basic necessities in order to live. So why not use free cash back apps in order to make your shopping trips even more affordable? With cash back apps, you shop and redeem your purchases. As soon as you reach the app’s threshold, you can deposit […]
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For a few years my emergency fund was in a savings account that paid 0.01% interest rate. After inflation our money was actually losing value over time. Why did we keep it there? And why was it there in the first place? Because it was the bank that my wife and I had a […]
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This post is part of our series 7 Weeks to Your Best Finances. This series is meant to serve as a 7-week path to improving your finances. It will cover all the important topics like starting a budget, saving money, making money, investing, and more. To find out more and see all the tips […]
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Two years ago, I moved from Charleston, South Carolina to Seattle, Washington. Not only are these two cities literally on the opposite side of the country, but the cost of living is substantially different. In Charleston, my husband and I lived in a two bedroom apartment for $1100 a month. In Seattle, we were looking […]
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Most people associate student loan forgiveness with Public Service Loan Forgiveness, or PSLF. PSLF provides certain student loan borrowers forgiveness after 120 qualified monthly payments. PSLF is only eligible for those who work for the government or a 501(c)(3) nonprofit, though, so it won’t help everyone. What many fail to realize is that PSLF […]
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Millennials and their spending habits is no new subject. After all, there are plenty of articles out there discussing how millennials are spending more on lattes than they are saving for retirement. While some millennials spend a significant amount of money on coffee, most of the millennials I know spend more money on alcohol. […]
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Student loan forgiveness for therapists and psychologists is a topic that hits close to home for me. My wife has a masters in counseling psychology and works as a therapist at a nonprofit counseling clinic. A majority of therapists and psychologists, or those who have loved ones who are therapists, likely agree with me […]
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The best way to limit the amount of money you spend is by sticking to a budget. You don’t have to love budgeting. Most people don’t. But it can be extremely effective. Today we are combining two of my favorite topics: spreadsheets and money. The advantages of using a spreadsheet instead of a budgeting […]
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The tax code is complicated. A complicated tax code means filing taxes can be a headache, or for some of us a migraine. The one good thing about the complicated tax code is that it creates opportunities to pay less in taxes. Legal opportunities. In fact, the government has intentionally built in these opportunities […]
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