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Category: Financial

Change doesn’t happen overnight

Change doesn’t happen overnight

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When it comes to building a financial independent life, it’s doesn’t happen overnight. It is a long process, a transformation, and a life long journey. Do you want to change your financial status? Do you want to increase your income, decrease your debt, and start having a positive balance? Where do you start? You start with yourself. You need to look at yourself and start making changes. Change doesn’t happen overnight. When you are going to school, you don’t fast…

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My favorite travel rewards program

My favorite travel rewards program

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I love to travel and to travel affordably I use travel points. There are a number of travel points programs and I have a favorite one. I’ve use these points to get free flights, free hotels, and free car rentals. I can convert my points to cash if I choose to. I haven’t tried all the travel programs out there as a disclaimer. This is just my personal favorite one from my experience. Chase ultimate rewards is my favorite travel…

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I don’t have a FIRE number

I don’t have a FIRE number

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I don’t have a FIRE number and there’s a reason for that. I don’t want my goal to be a certain dollar amount. I want my goal to be a certain lifestyle. As I wrote in my About page, my goal is to get to the point of financial flexibility so I can explore other opportunities without financial burden to myself and my family. Truthfully, I don’t know what the FIRE number would be to get me to that financial…

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Seize the opportunity

Seize the opportunity

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We come across opportunities available to us each and every day. We need to take off our blinders and notice them. Opportunities can be knocking on our door but it’s up to us to open that door. Once opportunities are gone, they may not come again so make sure to seize each opportunity. What opportunities am I talking about? It could be anything that helps your career, your relationships, your friendships, your financials, your network, your knowledge, your exposure, your…

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Is fear of finances holding you back?

Is fear of finances holding you back?

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Finances has always been a personal topic and many of us don’t openly discuss it even amongst family and close friends. It’s like some taboo that we can’t discuss finances yet we can comfortably talk about everything else. If we never talk about it, how do we get to understanding it more? Do we have a fear of trying to understand finances and is that fear holding us back? Up until I got married, I never took the time to…

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Perks and benefits you may not have known

Perks and benefits you may not have known

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Does your work give you perks or benefits just for working there? Do you know the perks and benefits of memberships you have or just for being a customer? If not, you might want to inquire, ask a colleague, or even your Human Resources (HR) office. What kind of perks am I referring to? Here’s some that I’ve experienced. Discounts for my cell phone plan All the large organizations I used to work for, they had relationships with cell phone…

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Growth stocks vs Income stocks

Growth stocks vs Income stocks

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Where you should invest your money in is always a great question and two types of stocks you can invest in are growth stocks and income stocks. Growth stocks are stocks that are expected to continually grow. Income stocks are stocks that provide a consistent income stream. Which one should you invest in? Growth stocks refer to companies with growth potential. Where there is growth, there is growth with stock prices. These stocks tend to experience volatility however investors will…

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Costco gets me every time

Costco gets me every time

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I love Costco! It has almost everything I need and want at a great price. But I can’t figure out why I leave Costco with a $300 or $400 receipt every time I shop there. If you experience the same problem, you’re not alone. Many of my friends say the same thing and many out there posting on forums say it also. Costco is definitely doing something right when it comes to luring you into buying their items. I’ve read…

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Don’t sacrifice your future

Don’t sacrifice your future

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We all want instant gratification or instant pleasure. It makes us feel good and puts us in a good mood. Just like taking a spoonful of ice cream, the first spoon is always the best…instant pleasure. It makes us feel good now but the more we consume it, the worse off we’ll be. If you continue to eat ice cream all the time, you’re likely going to add some pounds on you. Don’t sacrifice your future for today’s pleasures. Instant…

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Start planning now

Start planning now

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Planning for vacations take time and effort. It also takes time to accumulate rewards points for you to use if you want to try and save some money. Although this summer is just starting, start planning for next year’s summer vacation. The quickest way to accumulate rewards points is to open credit cards with a promotion and meet the spending qualifications. For example, at the time of me writing this article United has a credit card that is offering 100,000…

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