How I made $65k in Five Years by Buying Instead of Renting

It's Money Mondays, and today I thought I'd weigh in with my experience in the "home ownership" vs. "renting" debate with my story. You see, I've been a homeowner with a mortgage since a few months after I turned 20 years old.  I'm using "homeowner" a bit loosely here, since my first "home" was actually … Continue reading How I made $65k in Five Years by Buying Instead of Renting

Debt Free Bachelors Degree – Overcoming Overwhelming Odds

A few weeks ago, after I wrote about my struggle overcoming some of my graduate school debt, my friend Grounded Engineer suggested I talk more about how I got my undergraduate degree completely debt free. I've also talked a bit about my story in my guest post on the Notorious D.E.B.T. and my prior article … Continue reading Debt Free Bachelors Degree – Overcoming Overwhelming Odds

Getting Out Of Debt After A Near Death Experience – Part 1

I've written before about how my husbands near death from septic shock taught me about the importance of emergency funds and emergency planning. Today I'm going to write about how the experience impacted my attitudes about debt, and tell you my debt freedom story. I hope this story can either help you to keep out … Continue reading Getting Out Of Debt After A Near Death Experience – Part 1

Why Your Savings Rate is Meaningless

Many personal finance (PF) bloggers talk a lot about their savings rate. There's a lot of debate within the community on how to calculate it, and some bragging about whose is larger. If you're just starting out saving and investing, it can be intimidating to read about all these people saving 50, 60, or 70% … Continue reading Why Your Savings Rate is Meaningless

The Feds Have Raised Rates – Now What?

The past few weeks, my mortgage company has been sending me increasingly urgent e-mails, telling me that the feds are going to be raising rates shortly and I better hurry and refinance my loan! Side note - yeah, they want me to refinance my 2.75% mortgage into something higher. Oh, and take out tens of … Continue reading The Feds Have Raised Rates – Now What?