First Month Blogiversary Stats {Shout Outs, Mistakes…& Why I Blog}

First Month Blogiversary Stats (May)

The boy I had a crush on in 8th grade called me average. Go eat a booger Edwin. This is a mediocre post charting my first month as a blogger. I got this idea from a bunch of bloggers (thank you othala fehu, the savvy couple, and many others I tweet to on my Twitter!) who posted similar updates and I really appreciate their stats. It gives me a rudimentary foundation to aspire to even if it seems impossible right now. This is obviously kind of embarrassing…is that why some people won’t discuss money? I don’t think it was a horrible first month for someone as introverted and fresh as me. It’s not like I’m at 10 views. These 30 days have been proudly fun, thank you ALL very much! Here is my first month blogiversary and my stats. Enjoy the mediocrity?

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Don’t Allow Your Emotions Get In The Way Of Investing – Guide To Stay Confident

Don’t allow your emotions get in the way of investing. How it's possible to maintain distance with your feelings when you play the role of an investor.

Hiya guys! I am SO delighted to share with everyone TFG’s first ever guest post from SB @ ONECENTATATIME.COM! SB is an informed husband and father with dexterity for investing and passion for finance. His blog has over 5,000 subscribers and an impressive repertoire for those interested in making money, savings, investing, and family. It’s a total dance party @ onecentatatime.com 🙂

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Effective But Semi-Illegal Ways To Pay Off Student Loans

Effective but semi-illegal ways to pay back debt

Yours truly has researched an ill-fated list of effective but semi-illegal ways to pay off student loans. Some desperados reading may reason when times get tough, the tough needs to get creative. I’ll dive into a list of cons as well as the pros of each. Note: I define ‘semi-illegal’ as a general ‘slap on the wrist’ for something of with reasonable profit. I highly suggest no one go down this route; it should just be a fun read. (more…)

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My Avocado Toast Spending Is Not The Problem, Mr. Millionaire

my Avocado Toast Spending IsNot The Problem, Mr. Millionaire, anger post

My avocado toast spending is not the problem, Mr. Millionaire.

I had my day planned out: wake up, feed my dog, go to work, come back, and finish the how-to-save-money blog series I’ve been working on. But life happens and stuff comes up. Stuff like the time I opened up my homepage and my eyes immediately drew me over to the MSN Money article with the headlines “Millionaire to Millennials: Stop Buying Avocado Toast If You Want to Buy a Home.” 1 OK, I have seen a lot of stupid clickbaits before but I clicked anyways because it has my three favorite subjects: 1. Millennials 2. Millionaires 3. Avocados & Toast (in that order actually).

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Sample AirBnB Welcome Letters {+Free AirBnB Rules & Manual Templates}

free sample airbnb welcome letters

Free Sample AirBnB Welcome Letters

This post is for hosts looking for free samples of AirBnB welcome letters. This post also includes a list of general check-in information that may be included in a standard guest check-in. There are free templates of AirBnB house rules and house manuals available for download as well.

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Why Some People Just Won’t Save

why some people just won't save, budget, saving, debt
Marshmallows, cockroaches and stubbornness

Why some people just won’t save.

It seems absurd that the average American under the age of 35 have less than $6,000 to their name 1. To a lot of individuals who are personal finance enthusiasts, it’s kind of like entering the Twilight Zone. Someone with a five-figure debt can go out, buy a new Toyota and still be happy with that purchase knowing the avalanche of debt they have just acquired. Sadly this is not an extreme example by any means. So why is it that some people just won’t save?

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Do You Have The Frugal Gene? {+Free Print Out Checklist!}

frugal gene checklist, color printables, b/w printables, budget, frugal gene
Frugal Gene Checklist for Color & B/W Printers

Do You Have The Frugal Gene?

This is a frugal gene checklist. The checklist is a behavioral summary you should magnetized on the fridge door. Frugality is a specific quality on the economics of spending and saving. Everyone knows the general definition of frugal but not everyone can agree on the principles of frugality. I created a Frugal Gene check list of what it means to be frugal. Frugality is not simply a word tossed around to prove monetary responsibility. It is a set group of small behaviors that needs to be brought to attention in order to challenge spending habits. Print it out, pass it around, financial savvy is contagious!

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Easy Ways To Save Money Living In San Francisco

easy money saving guide. budgeting, frugal living, san Francisco, personal finance, Easy Ways To Save Money Living In San Francisco
Frugal living a reality in posh San Francisco?

When it comes to saving money living in San Francisco, you need to get creative. San Francisco hosts a population over 600,000 people in a 7×7 mile landlocked cracker-jack box. The city has a median home price of $1.1 million and as any San Franciscan can attest, that median $1.1 million is not going to fetch you any mansion either 1. The “political” middle class divide in San Francisco sets at $80,000-$150,000 a year 2. To be an actual homeowner, that salary must be closer to $220,000. In a posh paradise like San Francisco, the hills really are alive! Everything is truly more expensive around the Bay Area. Here are some easy ways to save money living in San Francisco.

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8 Free Finance Advice For College Seniors That I Wish Someone Told Me

8 free financial advice college seniors, money management, adulting

There is no generation in history as highly educated as millennials 1. College seniors have a lot on their plate these days. There is a lot of expectations on what life will be like after the schooling ends. Few years ago, I had no real concept of what life after university would be like. I just imagined myself with a career right off the bat. All I envisioned was a nice office space downtown, next to Panera Bread, making at least $70K a year. After all, I had done everything right. My grades were stellar, all my professors liked me, and I even volunteered during my summers off at local non-profits. Unfortunately, it did not turn out that way, not without quite a bit of struggling at first. This is a list of free financial advice for college seniors that I wish I could go back in time to tell myself.

1) The Job Hunt Starts Now. NOW!

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How To Effectively Overcome Credit Card Addiction

how to effectively overcome credit card addiction, emotional struggle, financial freedom, debt management
How To Effectively Overcome Your Credit Card Addiction (2017)

According to Consolidated Credit, the average household in 2017 owes an average of $15,799 in credit card debt alone 1. Repeating offenders are blind to their growing list of credit card transactions. This overspending has nothing to do with necessity most of the time. They want to live a certain lifestyle that is detached from their own economic reality. Overspending on credit cards has no immediate consequence. Problems only arise when the credit limit draws close. Try to follow the outline below to effectively overcome credit card addiction and take a step in the right direction.

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