Joseph

Plan for the future and save for your vacations

Miscellaneous
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On a recent trip to South America many things stood out, but the thing that was most staggering was not the adventure itself, but rather meeting people who had cashed in their 401K’s and those who were traveling across the country on credit. I also met those who were traveling across the country with the [...]

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Credit Karma: A Review

Loans and Credit

I recently discovered a service that gives you free access (no strings attached) to your credit score: Credit Karma. I first heard of Credit Karma at the Financial Blogger Conference this year. To be honest I’m not sure what took me so long. Unlike other ‘free credit report’ services out there Credit Karma does not sell [...]

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Top 5 Things You Shouldn’t Skimp On During Holidays

Miscellaneous

Today we’re featuring a guest post from Ally at HowtoSaveMoney.com.au If you read personal finance blogs around the holiday season, you’d think they are more concerned about saving money and to actually enjoy the holidays. “It’s commercialization”, they said. Or, “You don’t need gifts.” Well, those are technically true but there is a line between [...]

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The Results Are In On My Prepaid Cellular Experiment

Frugality
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Three months ago I blogged about an experiment that my wife and I would be running: switching to a prepaid mobile plan with the intent to save money. The results are in and they aren’t exactly what I expected. Three months ago I hypothesized the following: Worst case scenario… I’m figuring we’ll usually be fine [...]

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Why Don’t You Have An Emergency Fund Yet?

Miscellaneous
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A single mom’s car breaks down and the repair is going to cost her $500 dollars. If she doesn’t have the money in an emergency fund then what choice does she have but to borrow the $500, as she can’t get to work without her car? Maybe she has good enough credit where she can [...]

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I’m Thankful For

Miscellaneous
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Happy Thanksgiving weekend everyone! I thought it’d be a nice time to publicly share the things I’m thankful for with all of you. This will probably be just a short little post, so bear with me. It’d be awesome to hear from some of you what you’re thankful for as well. I’m thankful for my new [...]

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