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…]

How To Save Money On Textbooks + Campus Book Rentals Review

Campus Book Rentals Review - How To Save Money On Textbooks PictureIf you are looking for tips on how to save money as a college student, then one of the top things you need to learn is how to save money on textbooks such as through cheap textbook rentals. In this post, I will be including a Campus Book Rentals review because I used this textbook rental company throughout college and was able to save a great amount of money with cheap textbook rentals.

P.S. I also have a Campus Book Rentals coupon code at the end of the post, so do not miss out on this valuable Campus Book Rentals coupon for the best textbook rental company out there!

When I was in college, I always made sure to save as much money as I could. College is expensive, and everyone knows that. The costs can quickly add up. Between the tuition, lab fees, parking fees, textbook costs, and more, college costs can quickly get out of hand.

I know and understand this. I graduated with around $38,000 worth of student loan debt, and that was even with me carefully managing my costs. Thankfully I paid off my student loans (read about how I paid off my student loans within 7 months), but I do like to help others in as many ways as I can.

According to the National Association of College Stores, the average college student spends around $700 per year on the cost of textbooks. [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…]