11 Financial Habits I Wish I’d Started In My 20s

Financial Habits To Start Early

I wish I had…

It’s a sad statement that every one of us has said or thought at some point. Most of us could finish that sentence a dozen different ways.

The truth is, we all live with regret. Maybe your regrets are about money, many of mine are. I can think of a dozen things I wish I’d started doing 15 years ago.

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How We Paid Off $29,500 In 2016!

How We Paid Off Debt

This week’s post is by Jamie Griffin. Jamie Griffin is a Middle School Teacher and Blogger who runs the site MrJamieGriffin.com. He and his wife are working hard to pay off their student loans and teach others how to Do Money Differently.

My wife Jenna and I started our plan to aggressively pay off our student loans in 2013. Since then we have paid off nearly all of our debt, increasing our total amount paid every year. It has been a long road, and while the end is in sight, I want to reflect a little on how we got this far. I know that most people reflect sometime in January, but March is still pretty early in the year right? Better late than never! In 2016, we had our biggest year of debt crushing, paying off a crazy $29,586.55!!! Looking back at our year in review, I will show you how we did it.

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How To Make It As A One-Income Family

how to make it as a one income family

My wife and I have been living on one-income since our first daughter was born in 2011. Being at home with our children was something that she has always wanted and though I was sure at the time that it would mean we could never own a home, I reluctantly went along with her plan. (This turned out not to be true, we bought our first place, a townhouse, in October of 2014)

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10 Smart Ways To Use Your Tax Refund

ways to use your tax refund

Are you expecting a check this year around tax time rather than a bill? There are lots of ways to use your tax refund. If you’re like me, you might be tempted to trade your tax refund for a big TV, dinners out, a gaming console or if you’re getting a particularly large sum, a vehicle.

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Why I Started This Blog

Blogging is fricken hard.

Not hard as in it will make you break a sweat, but time-consuming, soul sucking hard.

If you have a blog of your own, you probably know what I mean.

It’s not enough to write posts and put them up. If you want your blog to grow, you need to be engaged on social media. You need to engage in the comments discussions on other blogs, keep on top of SEO, backlinking, networking, site security, design, email list blah blah blah.

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Why I Drive a $500 Car

Driving a $500 Car

I am 32 years old, and I’ve owned more than 30 vehicles.

This includes cars, trucks motorcycles and scooters that have varied in quality from not-even-close-to-roadworthy, through to brand-new off the lot.

For the last year and a half, I’ve been riding a brand new motorcycle. I bought it off the lot and justified the expense as “worth it to have something reliable”. I also told myself that I work hard (which is true), and I deserve a new toy (which is not true).

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How To Get Out Of A Car Loan

how to get out of a car loan

The day you financed your new car, it probably felt like a great idea.

Do you remember the new car smell? That was probably part of what drew you in. That mixed with a savvy salesman and the alluring idea of years of maintenance-free driving.

Trust me, that euphoric ‘new car’ feeling wears off after a few months, and making a car payment becomes a chore. In 2008 I financed a brand new Ford Ranger; It took about 5 months before my truck was scratched up and I deeply regretted that decision.

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High Electric Bill? Here Are Some Possible Causes

High Electric Bill

Why is my electric bill so high?

Being on the receiving end of a super high electric bill can be a frustrating experience. When you get your cell phone bill, the usage is broken down item by item so you know exactly what you did to cause the extra charges.

The power company can’t provide you with that data. They simply take a reading off of your meter and send you a bill. This can leave you mystified as to what you’ve done to cause the extra charges.

This happened to me recently. About a week ago I got the highest electricity bill I’ve ever had. It was nearly double what we normally spend. A typical power bill at our place is around $200 for two months. Still too much in my opinion but manageable.

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5 Reasons You Should Consider Living In An RV

My wife grew up on a farm. She’s always been surrounded by horses, chickens, llamas (I was never able to figure out why…), and open space. After we were married on her parent’s farm in 2009, we moved into a small basement suite in a nice neighborhood to start our life together.

Or so we thought. Turns out the basement was a bit of a dive.

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21 Bloggers Who Post Monthly Income Reports

Monthly Income Reports

Do you want to learn how to make money blogging? I sure do. And the best way to learn something is from somebody who is already doing that thing successfully. That’s why I love reading other bloggers monthly income reports.

There are people out there making boatloads of money from their blogs. People like Pat Flynn from Smart Passive Income and Lindsay from Pinch of Yum. These bloggers work like rented mules to get where they are and I appreciate that they put their income out there for the world to see.

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