If you haven't noticed, loan rates are low right now... I mean REALLY low. Like the lowest they've been in recent memory. So if you have debt, especially a mortgage, you've probably wondered, "should I refinance my loan right now?" My wife and I recently had this same question. Our home loan was a 30-year … Continue reading Should you ALWAYS refinance for a lower rate?
It's now early/mid December which means we're in prime "present time." I know this because I'm trying to buy a gift for my wife, and she is incredibly hard to shop for. The ability to find a gift for her has also gotten harder recently because she's found a way to get free products from … Continue reading It’s okay for your life to suck
If you live in the U.S. and have a High Deductible Health Plan (generally any health plan with a deductible of at least $1,350) then you likely have access to a Health Savings Account (HSA). In this article, I'm going to make it very clear why you should take advantage of an HSA and why … Continue reading How to outsmart Uncle Sam using your HSA
"A penny saved is a penny earned" is a phrase that we’ve all heard, but I think that this guidance is even more profound than we give it credit for. Some people will debate this by saying you can increase your earnings exponentially, but you can’t spend less than $0. While I agree with that, … Continue reading The unintended power of spending less
We’ve all heard that our actions have consequences, this is far from a novel concept. It’s also very apparent that those consequences can be positive, negative, and everything in between. I was recently thinking about this basic concept, and I had a minor epiphany that expanded this idea. To say that outcomes of decisions are … Continue reading Are your decisions leading to unhappiness? Here’s how you can flip the script
Some of the most common advice we're given is just "do your best." It might be in regards to an interview, athletics, job, or advice you get from your mom when you vent about a current struggle. I used to think this was good advice, but recently, I've decided this is actually terrible advice. Why, … Continue reading The danger of always “doing your best”
I write this post just before a relatively new, consumer holiday, our beloved Black Friday. Soon we are going to be amused to see human nature at it's worst, all those videos that are so bad that we can't look away: brawls, hoarding, stampedes, and all the excess that is the American Dream. Despite those … Continue reading If you have to search for deals, do you really need Black Friday?
Side-hustles are all the rage these days, but it can be easier said than done to find the right hustle for you. This past week I entered into the world of paid dog walking. I started a work from home job a few months ago, which has opened up some possible side-hustles. I signed up … Continue reading How I’m earning $100 per week walking dogs