2014 Financial Year In Review

2014 Financial Year In ReviewHello everyone! I know it’s a little early for me to be analyzing 2014, but I think it’s close enough. 2015 is right around the corner and I want to have our 2015 financial goals thought about and an action plan created.

Overall 2014 was a great year. I don’t think it could have been any better. The only thing that was bad was the amount of spending we did…

 

How was our spending in 2014?

2014 was an expensive year for us. I’m hoping that nothing in the future resembles 2014, as we definitely busted our budget. Probably our worst spending year ever!

We had some medical/dental things come up this year, and along with the our somewhat high monthly health insurance premium, we spent around $7,500 on medical-related expenses in 2014. [Read more…]

10 Great Ways To Gain Control Of Your Finances and Reach Financial Freedom

10 Great Ways To Gain Control Of Your Finances and Reach Financial Freedom Family Picture With Dog

I’m sure many of you are wanting to achieve financial freedom in some form, and you probably have some money-related goals/resolutions for the future. I know I do!

If you want to get ahead, stop living paycheck to paycheck, and/or you want to gain control of your finances so that you can learn how to achieve financial freedom, I recommend you continue reading below.

I have packed some of my best money tips into this post, and I definitely think you can improve your finances by instilling at least some of the money advice below into your life. [Read more…]

What I Would Change About My College Experience

What I Would Change About My College Experience Journal Picture

Recently, I published the post How I Graduated From College In 2.5 Years With 2 Degrees and Saved $37,500. While I did graduate quickly and there are benefits related to that, there are things I missed out on by rushing my college experience.

Now I wouldn’t say I had the worst college experience, but I also wouldn’t say it was the best college experience in the world.

I understand that you can’t go back and change the past, but sometimes you can help others learn from your mistakes.

Below are some of the things I would change about my college experience:

 

I would have started paying off my student loans while I was in college.

While I did pay off my student loans quickly, I didn’t really put much towards them while I was actually in college.

Instead, I worked full-time and put most of my money towards things I shouldn’t have been spending on, such as for clothing and restaurants. It was a huge waste of money, and I can’t help but bang my head on a wall when I think about how much money I wasted.

Truth is, no one remembers your outfits and spending all your money on fast food is just stupid. [Read more…]

Bad Money Mistakes Couples Should Avoid – They May Be Making You Poor and Stressed Out

Bad Money Mistakes Couples Should Avoid - They May Be Making You Poor and Stressed OutOne thing I’ve always been happy with is how me and Wes have always been very open about money.

No, we haven’t always done things the “normal way” (we combined finances YEARS ago and often receive flack for that), but in the end things worked out well for us. I think that’s because we make sure to be open about money.

I have witnessed many people around me make several money mistakes. I know people who have never once discussed a budget (even budgets that suck!) with their significant other, even though they are married. I also know others who have broken marriages/relationships because of secret debt, financial infidelity, and more.

No, life isn’t all about money, but money does play a big factor in a relationship.

I’m all for people doing their own thing in life, but, in general, the money behaviors below can lead to big mistakes when in a relationship. Money mistakes can lead to debt, delayed retirement, stress, heartache, and more.

Who wants all of that? Not me! [Read more…]

8 Things To Stop Being Afraid Of So You Can Be Rich, Happy, And Successful

8 Things To Stop Being Afraid Of So You Can Be Rich, Happy, And SuccessfulEveryone is afraid of something. However, it’s how you approach that fear that really matters. If you hide from your fear then you may be holding yourself back.

This can then lead to regret later.

Whether you are wanting to tackle your debt, you want to leave a job you hate, you want to travel the world, and so on, you need to overcome the fears associated with these goals in order to have a successful life.

If you are fearful of something, then having an action plan can help you overcome your fear. You most likely don’t just want to jump into anything big without a plan. I’m all about game plans :)

Below are 10 things you should stop being afraid of so that you can be rich, happy, and successful (or whatever you want to be!). I have also included some of your fears below that some of you shared with me on Twitter recently. [Read more…]