If you are still looking for gifts ideas that won’t break the bank, are still meaningful AND can be pulled off last-minute look no further! This post is for you. At this time of the year we are flooded with posts that help us ease the guilt of not having a gift for someone we […]
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I came across the ChooseFI podcast in April 2019. We had been walking the Dave Ramsey baby steps for a few years by then. We had eliminated consumer debt and learned to save with discipline. We paid cash for our wedding and honeymoon, our cars, and our travel. For the first time ever, we had […]
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November is for thanksgiving and open enrollment! I have been working for the same organization for 8 years, and I find that this yearly process is a great test for my knowledge of personal finance. The way I navigate open enrollment has changed as our financial picture evolves. At first, the process was filled with […]
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A few years ago, my husband and I were living in a high cost of living area we loved. Our neighborhood was beautiful, we had great friends, and there was lots of opportunity for career growth. When we started contemplating buying a home, it didn’t take long to realize our estimated budget wasn’t going […]
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The more I learn about personal finance, the more I am aware of the well-intended decisions that actually sabotage our progress. We begin to make financial decisions based on the mashup of knowledge (or lack of) we gather from our surroundings: the conversation with our family at the dinner table, the clerk’s savings advice at […]
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Helping family financially is a subject of polarizing opinions. Nonetheless, many of us decide to do so for a variety of reasons that vary from cultural to personal. This article is not about if you should or shouldn’t help. Instead, my purpose is to share how you can offer your financial support in a more […]
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A few weeks ago, I was attending my friend’s 70th birthday party when a lady stopped me on my tracks and said: “You may not remember me, but you painted one of my bedrooms almost two decades ago!” I totally remembered her! Not only was she the first customer my friend and I had for […]
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Dave Ramsey’s radio show and his book “The Total Money Makeover” were my first introduction to personal finance. His content exposed me to stories of regular people achieving incredible results; it gave me hope that one day I could be one of them too. Dave’s famous Baby Steps was the first framework I followed to […]
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Every single car we have owned we have bought with cash. To be honest, that wasn’t the plan when I dreamed of buying my first vehicle; I just got denied for the first (and only) car loan I applied for. Back then, 2006 to be exact, we weren’t putting much thought on our finances. Thinking […]
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When we were little, we use to ask each other “what would you do if you win the lottery?” ALL the time. It was the dream we all shared; it was THE WAY we will become millionaires one day. “I will buy a mansion” “I will end world hunger” “I will invest some and buy an island” […]
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