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?
If you're into personal finance and investing like I am, you've likely heard of "The Latte Factor." This is the concept first made famous by David Bach, the bestselling author of "Smart Women Finish Rich" and "The Automatic Millionaire." The examples he uses in his books are of people who usually pick up a latte … Continue reading Use Your Latte Factor to Snowball Your Way to Millions
Five years ago next week, my husband almost died of septic shock. To set the stage - at the time this happened, I was only 31 years old and he was 37. We had two small children, ages four (a preschooler) and eight (third grade). I've talked about this story before in my writing and … Continue reading Going Into Crisis Mode – When It All Goes to Hell
Doesn't "optimizing your expenses" sound so much more fun and important than cutting your budget? I think so, and that's the perspective I like to take on finding places to cut back on expenses. So far I've talked about making your plan to pay off non-deductible debt, protecting yourself and your family (both your personal … Continue reading Optimizing Your Expenses – One of the Keys to Financial Freedom
Saving for college is one of those things that all parents worry about. Whether your kids are just born, heading to elementary school, in middle school, or (especially) in high school - you've likely seen all the headlines about how college is going to cost a ton by the time your kids head off to … Continue reading Creating Your College Compact in Five Easy Steps