4 Reasons You Need Life Insurance

4 Reasons You Need Life InsuranceAs a personal finance blogger, I am ashamed to admit this. I’ve been saying this for years but now I plan on getting serious about this. The truth is…

We don’t have any life insurance. 

We used to have a small amount paid for by our previous employers, but that was almost two years ago and it no longer exists so it’s not like it helps us at all.

We will absolutely add life insurance before we start a family, but it wouldn’t hurt us to start searching now.

Life insurance is so very important.

The main reason most get life insurance is because it can help your loved ones and anyone who depends on you. This way they can still pay the bills and grieve without having to worry about money. There are many more reasons to get life insurance though!

Below are four reasons for why you may need life insurance. Even if you don’t think you do, there might be a reason below so I suggest you continue reading! [Read more…]

April Goals Update, New May Goals And A Food Budget Update

April Goals Update, New May Goals And A Food Budget UpdateHello everyone! Time for another life, goals, and food budget update.

April was another great month for us.

It was a record income month for us but it was also an expensive one.

May won’t be any cheaper as well since I’ll be gone for almost 20 days due to two separate trips, but it’s all budgeted for so I am still happy.

Colorado is still treating us well. We are enjoying all of the outdoor activities that Colorado offers and everything else around here.

Our house is still for sale in Missouri and that’s pretty much the only thing bogging us down. We keep going back and forth about what we want to do with it, and we have pretty much decided that lowering the price anymore is just crazy talk as it’s already priced much lower than all of the comparables near us. If it doesn’t sell though, we have plans and will remain positive about it regardless.

[Read more…]

Money Statistics That May Scare You

Money Statistics That May Scare YouAs a personal finance blogger, I try to do as much research as I can before I publish a blog post so that I can see the full picture.

However, whenever I research different financial topics I usually come across some scary money statistics.

The money stats you read in this post might scare you, but hopefully they can help you so that you can improve your finances and be better than the “average” person.

Even if you are doing better than the average person, that definitely does not mean that you are doing well financially either though.

You should always strive to do your best as sometimes “average” is not good enough for you to live a financially successful life.

Below are some scary money statistics that will hopefully whip you into financial shape. Enjoy! [Read more…]

How to Turn Your Side Job into Your Main Job #FiverrFreelance

How to Turn Your Side Job into Your Main Job #FiverrFreelance Hello! If you are new here, I recommend you read my latest income report – $32,474 in April – My Monthly Online Income Report.

In October of 2013, I happily started freelancing full-time.

Technically, I have been freelancing full-time for several years, but it wasn’t until October of 2013 that I left the full-time day job I was juggling as well.

Turning my side jobs into my main job was hard work though.

I look back and I still cannot believe that I gathered the courage to do it. However, life is incredibly better so I am glad I made the preparations that I did because I was able to transition into full-time freelancing rather smoothly.

Below are my tips so that you can do the same. [Read more…]

$32,474 in April – My Monthly Online Income Report

March Income Report

Welcome to April’s online income report where I show you how I make money online. It’s time to look at this month’s update and track how I did.

If you are new here, you might be wondering why I would want to publish my online income reports each month. If you are not new here, you can just skip to the next section :)

This all started out as my side income report because in the beginning it was all about the money I was earning from my side jobs. In my side income reports from the beginning, I included all of the income I made except for what I made at my day job (that was a fixed amount and boring anyways).

However, I left my day job as a financial analyst towards the end of 2013 and now my monthly income reports consist of the several different ways I bring in an income each month.

[Read more…]

How I Prepared to Quit My 9-5 to Do What I Love and Travel the World (Whenever I Want)

How I Prepared to Quit My 9-5 to Do What I Love and Travel the World (Whenever I Want)Hello! Here is a great post from a blog friend of mine. Sarah runs an awesome blog and I definitely think you should check it out.

When I was 18, I remember thinking that if I only I could make $15/hour, I’d be set.

At the time, I had just started my first year of college, and was working full-time to pay for it. I was making $12/hour all in, including commission, my hourly wage, and bonuses, and between tuition, rent, and living expenses, I was living paycheck to paycheck.

Little did I know that eight years later, I would be making quadruple that which I was making at 18, and that I would be willingly leaving a job that not only paid far more than $15/hour, but also came equipped with a lucrative pension plan, amazing health insurance and an office I couldn’t have even imagined at my retail job.

If you had told me that I would have not only the funds but the freedom to travel, I’d have thought you were nuts.

But in February 2015, the day after my 26th birthday and my last day of work, I got on a plane with a one-way ticket to Europe and went to go explore a little bit of the world before returning home to pursue meaningful work that I love.

I’m not special or rich or have any unusual advantages. I think that with a little bit of planning, you can do this too.

Yes, even if you have a mortgage. Even if you have bills to pay. Even if you have responsibilities.

I have all of those things, but I still was able to do this. Here are four steps that I took to prepare for the journey. [Read more…]