In your journey towards personal finance improvements, having the lowest interest rate on your credit card is ideal. In a way, it shouldn’t matter because ideally, you’re paying off your entire monthly bill that same month, but things do happen. When your interest rate is too high you could do one of two things, call …
A debt-to-assets ratio is a formula that takes all your debt (house, car, etc..) and divides it by all the assets you have (savings, investments, etc..) to give you a number. Ideally the lower the number the better. At the beginning of my personal finance journey, my goal was to find a way to save …
Buying a car is an extremely exciting process, if you take away the time that it takes from actually picking your car to driving off the lot with it. Man that buying and financing process is long and annoying (industry disruption idea, hint hint). I’ve created a simple 3-step car buying guide as a checklist …
Buying Bitcoin has been a popular investing conversation for some years now, especially sine 2018. Just take a look at the chart below. Bitcoin investing peaked big time in 2017. The value of one coin went from about $1,000 in early 2017 to over $19,000 by the end of the year. That is the most …
Im in my 30s now, and even though I started investing in my early 20s, I made my fair share of mistakes and wish I had someone or some resource to properly guide me. Yes there’s the internet, but I guess at the time I just wasn’t “ready” to take in the personal finance wisdom. …
One of the best investment options when you’re planning your retirement is a Roth IRA. I discussed this in detail in my previous guide to Roth IRA, but to recap, it is a specific type of individual retirement account (IRA) that allows you to not only grow your investments tax-free but also to take tax-free …
I’ve been managing my personal finances on Google Sheets since October 2015. I know that because I can see the first entry mark on my table. 😀 I have a habit of checking my personal finances on the 15th of every month. I have no idea why it’s the 15th, but over time it became …
