In pursuit of financial independence and personal fulfillment

Month: July 2017 (Page 1 of 3)

Coming to terms with all the debt I never thought we had

As I scan the personal finance blog sites and headlines, I can’t help but notice how many people paid off big chunks of debt.

“See how we paid off $56K of debt”
“I crushed $24,000 in student loans in one year!”
“Our journey out of $83K of consumer debt”
“I paid off $40,000 in debt, and you can, too”

I’ve largely ignored these stories, because I don’t really feel like they apply to me. I’ve never defined my financial situation around debt. But I’m just now coming around to think about the debt we’ve already paid and debt have today and realizing these stories are more relevant to me than I thought. Continue reading

I’m probably making a stupid money decision, and I need your help (updated)

Do as I say, and not as I do.

Today, I’m going to confess to a bit of ongoing financial stupidity that I’m fully aware goes against multiple best practices. Continue reading

Dreamcatcher: Posts and podcasts that inspired me this week

This week’s posts and podcasts that inspired me are more about attitude and the journey of personal finance than the numbers. If you have the right attitude, the numbers will come; if you don’t have the right attitude, the numbers aren’t going to matter when you get there. I still have plenty of work on both fronts, so it’s great to hear from people who have good advice for the adventure. Continue reading

I’m wired wrong – I spend more with cash than with credit

One of the oft-cited tricks to break people of their consumerist spending habits is to pay for everything with cash instead of credit. The theory goes — and research and other people’s experiences have shown — that people spend less when they have to fork over actual green vs. swiping plastic.

I’ve seen the opposite effect for me. Continue reading

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