Having a credit card makes you feel confident in times of need because you know you could still purchase the necessary items. You can pay bills without worrying about the interest rates because you can pay in due time using a credit card. The problem is that since it is too easy to swipe the …
Ways to Deal with Unpaid Credit Card Loans that Start to Pile Up Read More »
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Having a personal budget is an excellent idea since you can determine how you are going to use your money. You can list the expenses that you need to pay and how you are going to fit them all with the amount that you are earning, as this will also reduce the chances of incurring …
Common Mistakes to Avoid When Creating a Personal Budget Read More »
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I enjoy reading and writing about the investment strategies discussed in this Betterment review. But that’s atypical, and most individuals would rather spend their time doing something other than managing an investment portfolio. If you aren’t interested in tinkering with your investments, Betterment provides a straightforward approach to successful investing that requires very little time, money, or …
Betterment Review + Up to One Year of Free Service Read More »
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As detailed in my recent 2019 Review, Betterment is now promoting their Smart Saver Account as an alternative to traditional banking products. On many levels, this is understandable. Betterment offers personalized, long-term investment portfolios comprised of widely diversified stock and bond ETFs. They have helped thousands of clients build wealth and participate in financial markets. …
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Our current personal banking system is one of the simplest, most powerful tools I’ve ever created to optimize our finances. Here are a few of the benefits that I will later describe in detail: Prevent any-and-every type of banking-related fee Maximize the amount of interest being earned on savings, at all times Save hours of …
Maximize the Interest Earned on Your Savings Using This Banking System Read More »
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Every human being faces the same two-part dilemma in personal financial planning. First, we must figure out how to best utilize our skills and passions to earn a living. Second, we must decide how to best utilize that earned income to build a meaningful lifestyle. Sure, some people earn a lot more money than others, …
Are You Saving Enough to Achieve Financial Freedom? Read More »
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My recent saving rate tutorial has me thinking deeply about the intimate relationship between spending and saving. Over the last several years, a significant portion of my writing has explored the importance of healthy savings in building wealth and creating financial flexibility. I’ve written thousands of words detailing the intricacies of our lifestyle and the myriad of ways …
Spending Rate vs Saving Rate: Which Should You Prioritize?Read More »
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Your personal savings rate is an important financial calculation, providing valuable information about how you choose to spend or save your income. Furthermore, your personal savings rate is one of the most important factors in determining how long it will take to achieve financial freedom. Although the average savings rate in America hovers around 5%, our …
Calculate Your Personal Savings Rate Using This Free ToolRead More »
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I received an email yesterday from a fellow deal-hunter about GroceryPass, which is a new grocery discount service scheduled to launch this summer. Here’s how it works: You pay $10/month to GroceryPass. You receive $20/month to spend at any grocery store (at any time). The service is not yet live, but they have a waitlist that …
GroceryPass Promises $120/Year in Free GroceriesRead More »
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The best way to achieve your financial goals is to set SMART goals. SMART goals are specific, measurable, attainable, realistic, and timely. We are going to be looking at three SMART financial goals to set in 2018, courtesy of Scottsdale bankruptcy attorneys. The SMART methodology can be used for any goal that you wish to …
Staying Financially Fit in 2018Read More »
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March 2018 update: Wealthfront currently offers Cash Cow readers their first $15,000 managed free. That offer will be reduced to $5,000 beginning on 4/1/18. If you have any interest in Wealthfront as a comprehensive investment solution, I would suggest creating a free account by 3/31/18 to guarantee the $15,000 free management offer for life. You …
Wealthfront Review 2018 | $15,000 Free Management Offer Ends 3/31/18Read More »
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Vanessa and I recently published a detailed account of our minimalist lifestyle, explaining how and why we lived on less than $1,000 per month in our first year of marriage. In the discussion section at the end, I explain how our lifestyle decisions have allowed us to save more than 80% of our income each year …
We Achieved Financial Freedom in 5 Years. You Can Too.Read More »
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I was recently reading through a few online forums and stumbled across a thread discussing high-yield savings accounts. There were several users claiming to have found a true 5% savings account with FDIC insurance. With interest rates so low, I was a bit skeptical. Vanessa and I have already established banking accounts at Discover Bank, …
You Can Still Earn 5% Interest from Your Savings AccountRead More »
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After our engagement in late 2012, Vanessa and I began evaluating our individual possessions and spending habits to prepare our finances for marriage. After much discussion, we decided to combine every aspect of our financial lives. All of our existing debt, all of our possessions, and all future income would be managed jointly. We discussed the …
Minimalist Living: How to Thrive on $1,000/MonthRead More »
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This is a collaboration between Cash Cow Couple and National Debt Relief, one of the country’s largest debt settlement companies. Vanessa and I entered marriage with more than $25,000 in combined student loan debt. At that time, we both fully committed ourselves to becoming debt-free. Eliminating our debt became our joint vision and our highest priority, …
Tips to Eliminate Debt in 2018Read More »
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Each year, LIMRA surveys a few thousand people throughout the country to estimate consumer trends and perceptions regarding life insurance. This annual survey provides a wealth of information about the life insurance purchase decision made by the average American. The recent 2017 study highlights several important trends: 1) Knowledge doesn’t always lead to action 85% …
Quotacy Review 2018 | The Easiest Way to Shop for Life InsuranceRead More »
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CAGR, EPS, NAV, ROCE — business finance is filled with confusing acronyms. Fortunately, you don’t need to remember most of them as long as you have a handle on the most important of all: DSCR. If you rely on lending of any type to procure funding for your business, your debt-service coverage ratio (DSCR) should …
What You Need to Know About Your Company’s DSCRRead More »
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Historically, real estate has outperformed the S&P 500, making it one of the best investment vehicles around. The benefits of investing in real estate are many: real estate investors can use a mortgage to fund the purchase of investment properties, and in a good market, real estate can all but guarantee a steady cash flow. …
Here’s What You Need to Know About Investing in Real EstateRead More »
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You already rely on bank loans for your mortgage and credit cards, so when you are ready to start your business, you are likely less than eager to look to your bank for help. Business loans through banks and similar major financial institutions are popular, but they can be difficult to acquire — especially if …
Can You Fund Your Business Without a Bank?Read More »
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