Archive for January 2017

Top 5 Financial Moves to Make This Year

Written by Aliyyah Camp - One Comment

With a new year comes the chance to have a fresh start. According to a Fidelity study, more than one-third of Americans set a financial resolution for 2017. Whether or not you set a financial resolution, though, improving your finances is likely still important to you. To help with this, we came up with a […]

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Dave Ramsey’s Baby Steps

Written by Nickel - 11 Comments

While I’ve been somewhat critical of Dave Ramsey and his “Debt Snowball” in the past, he’s definitely helped an awful lot of people get their finances in order. Thus, I thought that it might be worth spending a bit of time talking about Dave’s “Baby Steps” for getting out of debt and improving your finances. […]

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Published on January 18th, 2017
Modified on January 19th, 2017 - 11 Comments
Filed under: Debt Reduction
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How to Save Money on Life Insurance

Written by Nickel - 17 Comments

Life insurance is an incredibly important financial product. Unfortunately, it’s also relatively costly. With that in mind, I thought I’d put together some tips for saving money when you’re in the market for a life insurance policy. Get healthy Any insurer worth their salt will require a physical as part of the underwriting process. The […]

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Published on January 17th, 2017 - 17 Comments
Filed under: Frugality,Insurance
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Passive Income Streams: What They Are and Where to Find Them

Written by Aliyyah Camp - One Comment

Passive income is money received on a regular basis that requires little effort to maintain. Sounds great, doesn’t it? Generating passive income is a great financial goal because it’s a smart way to build wealth. One thing to realize is that creating passive income requires an upfront investment — whether it’s money or time. You’ll […]

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Published on January 16th, 2017 - One Comment
Filed under: Self Employment,Working
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Current High-Yield Online Savings Account Rates

Written by Nickel - 156 Comments

I frequently receive e-mails asking my opinion as to which online bank has the best high-yield savings account. I’ve used several online banks over the years for my emergency fund and look to a few factors in selecting a savings account: The interest rate (of course) Minimum deposit requirements Monthly maintenance fees The website and […]

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Published on January 13th, 2017 - 156 Comments
Filed under: Banking,Online,Saving & Investing
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Contribute to Your Roth IRA, Even if it Stretches Your Budget

Written by Nickel - 9 Comments

Your 2016 taxes are due in just over three months. That also means that you have just over three months left to make any 2016 IRA contributions that you might have been putting off. But what if you’ve neglected to contribute to an IRA because you’re not sure you can afford it? Maybe the only […]

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Published on January 10th, 2017 - 9 Comments
Filed under: Retirement,Saving & Investing,Taxes
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What’s a Side Hustle (and How Can It Help You Achieve Financial Freedom)?

Written by Aliyyah Camp - Leave a Comment

Whether you want to pay off outstanding debt, save up for a house, or just have extra spending money, having a side hustle is a great way to reach your financial goals faster. The nice thing about side hustles is that they do more than just bring in extra income. Side hustles can be a […]

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Published on January 9th, 2017 - Leave a Comment
Filed under: Automotive,Self Employment,Spare Change,Working
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Dave Ramsey is Bad at Math

Written by Nickel - 693 Comments

See also: Dave Ramsey is Good at Psychology If you’re familiar with Dave Ramsey, then you’ve no doubt heard of his ‘snowball’ approach to paying down your debt. In short, Ramsey suggests that you make minimum payments on all but the debt with the lowest balance. Any additional money you have goes to that lowest […]

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Published on January 6th, 2017 - 693 Comments
Filed under: Credit Cards,Debt Reduction
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How to Get Out of Debt

Written by Nickel - 36 Comments

On the way home from work the other night, I heard a radio commercial touting a debt reduction system that (supposedly) works like no other. As I drove along, I couldn’t help but chuckle. After all, they made it sound like there’s some sort of silver bullet out there that will magically make your debt […]

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Published on January 5th, 2017
Modified on January 6th, 2017 - 36 Comments
Filed under: Credit Cards,Debt Reduction
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Paying Off Your Mortgage Early: Some Things to Consider

Written by Richard Barrington - 19 Comments

Let’s talk about a somewhat controversial subject, at least in financial planning circles: paying off your mortgage early. A great deal of conventional wisdom says you should never pay a mortgage off early. Well, I’ve gone against that conventional wisdom. Twice. I don’t know if that means I lack conventionality or I lack wisdom, but […]

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Published on January 3rd, 2017 - 19 Comments
Filed under: Debt Reduction,Mortgages
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