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…]

December Goals, Pictures From Joshua Tree and Red Rock Canyon, and Life Update

Joshua Tree National Park Sunset PictureHello everyone! November was a great month. It was a great month for business (see my latest monthly income report), a great month for goals, and it was a fun month too.

Even though November was a great month overall, it was VERY expensive. The traveling we did wasn’t too expensive mainly thanks to credit card rewards, but due to rock climbing and buying all the gear we wanted, everything added up quickly.

Thankfully I think we are done buying things for now, so rock climbing will be a fairly cheap sport for us until we need to replace what we need.

We also just received our annual property tax bill, and that’s not a pretty sight either. I won’t lie, I completely forgot about this until I received the bill. Personal finance blogger fail right here.

Also, one major thing we do need to do this month is decide on our health insurance. Our current health insurance plan expires soon. Instead of paying $191 for health insurance with a crazy high deductible ($12,700), we now get to pay around $350 a month for the exact same plan because of health insurance increases. How much do you pay for health insurance? I know it varies, but I would love to hear what others pay.

[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…]

What I’m Thankful For – Being Positive Can Change Your Life

What I’m Thankful For - Being Positive Can Change Your LifeIf you are in the United States, you are probably preparing for Thanksgiving and any related festivities. You are most likely excited for the food, seeing family members, hanging out with old friends, and more.

As everyone knows, one part of Thanksgiving is to think about all of the things you are thankful for.

I think it’s always a good idea to stop and think about the positive things in life.

This can completely change your mindset and I believe it can make your day, year, and life better. No matter how bad life may seem, you can probably step back and think of a few positive things in your life.

Below are some of the several different things in life that I am thankful for: [Read more…]