Should you get out of debt before saving? Well, my answer to this is, it all depends. Yes, it all depends on your own specific goals and what you want out of life. Personal finance isn’t always just a numbers game, that is why it’s called “personal” finance. There is a personal side to it […]

I spent a lil bit more than I had planned to in the year 2016. I also saved more this past year than any other year in my life. For me, it’s all about balance and living within your means. I never want to spend more than I earn within a month but life happens. […]

It’s always a blessing to be able to see another year here on this beautiful earth. I don’t take this life for granted. I try to better myself and reach new goals each and every year. There are some things that I can take from 2016 and some other habits I want to get rid […]

8.) Scarface I love Tony Montana!! This is a violent movie, but it’s extremely entertaining. I love to see the underdog story about the come up from nothing to something. Tony Montana was a Cuban immigrant living in poverty who always believed he would one day rule the world. His relentless effort to gain money, […]

Refinancing your student loans can save you thousands of dollars on interest payments. If your credit is good and you have a stable amount of income coming in, I think it makes perfect sense to consider refinancing your student loans for a lower rate. Let me explain why. For example, Joe is paying $465 per […]

Breaking the habits of a paycheck to paycheck lifestyle is not an easy task to do but, it is possible. Some people inherit these spending habits from their surroundings or upbringing because that’s how their parents lived. It doesn’t matter whether you’re making 20k per year or 200k you can still fall into the paycheck […]

Getting a pay raise is a wonderful feeling. Especially if you know you’ve been working hard and grinding it out all year long. It feels good to be compensated for your time and efforts. What should you do with this new influx of cashflow… Splurge? Celebrate? Save more? Attack debt? Invest? There are so many […]

  First off what the hell is a Roth IRA? A Roth IRA is a retirement savings account that allows your money to grow tax-free. You don’t get any tax deductions on your contributions because it’s funded by after-tax dollars. If you wanted tax deduction on an individual retirement plan you can open up a […]

On December 10th, 2015 I was laid off from my job. Trust me, no matter how politely they explain to you why you’re losing your position, being laid off sucks. Especially right before Christmas and New Years holidays too. It can wear down on you physically, emotionally, financially and even spiritually. But hey it’s LIFE… […]

As a huge sports fan, cutting the cord might sound like a very difficult task to do. We’re obsessed with our favorite teams and we love to watch them play live in real time. Fortunately, we do not have to rely on cable for that anymore!! There are online streaming companies that offers these services […]