Month: April 2018


Tween Cash Hoarder

I find myself thinking about my childhood lately. I can’t pinpoint the reason why it’s coming up now. Maybe because I recently spent some time with a cousin I grew up with. She lives on the west coast and we don’t see each other often, although we do communicate by text a fair amount. As ...


You Reap what you Sow

This title may be a little bit dramatic for the topic at hand. This will not be a post about karma or wrongdoing catching up to you. But it is a matter of a little bit of effort paying off, in this case in the form of a lower tax bill. (Disclaimer: I am not ...


My Money in Retrospect: Why my Mother Should Have Known

I was about 6 or 7 years old when my mom told me there was no Santa. I wasn’t devastated. I wasn’t as upset as some kids get. Maybe it was the calm with which she delivered the news. She appeared guiltless. Perhaps it was my own curiosity, my desire for more information, that overshadowed ...


Simplify your life: 5 easy ways to save money

Reduce Housing Costs Refinance your mortgage to get a better rate. I found out that someone who sought my help for financial coaching was paying 7% on a mortgage, despite the fact that we are in a historically low interest rate environment where average rates (after 2 central bank increases) are now hovering around 4.5% ...


Liquidity Management & My Student Loan Balance

My previous post shows that I still have a student loan balance. This is one target that I did not meet this year. Although my overall financial picture is relatively healthy, I failed to pay off my student loans as I planned to by the end of the 2018 first quarter. The question is why ...


Harvard, the IRS & Pre-paid Cards – End of a Trilogy

Read parts one & two I live in the kind of town where people share helpful information on Facebook when they are taking breaks from being petty, sending each other nasty anonymous letters, and posting passive-aggressive messages about barking dogs, speeding and ill-mannered kids. So it was no surprise when someone posted an alert about ...


A Harvard fellow, an IRS Agent named Devontae & an electric company that demands gift cards – Part 2

Read Part 1 here Meet Devontae The group chat is primarily designed to roast those who step out of line, nevertheless, we exchange valuable information. This week, one of the gems shared was an IRS Agent named Devontae Johnson (is this a common name is South Asia? #AskingForAFriend) who called one of the ladies in ...