Tag: money management

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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 ...

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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 ...

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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% ...

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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 ...

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Unimpressive Financial Literacy Theater

I consider myself a personal finance nerd. I have always been a hard worker, a saver, an investor who thirsts for knowledge on all money matters. I am an advocate for personal finance education, no matter what age. I have volunteered with adults at community centers, and I always encourage parents to set their kids ...

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Solar Update – September 2017

It’s time for another usual event: getting excited over receiving my utility bill. This year was my first full summer with the panels and I am pleased to report that they are performing as expected. I’ve had negative balances consistently since May which means not only do I not have to pay for the electricity, ...

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What Can you do with $1,400 a Month?

I don’t know about you, but for me, not much. But according to the Social Security Administration, that is approximately the average monthly benefits that retired seniors were receiving as of December of 2016. This highlights the importance of having limited reliance on Social Security income later in life. It is no longer enough to have ...

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