Help a Reader: Need Cash
I need to see how everyone would proceed in the following situation:
I make around $85k from my regular job
I own a side business with my business partner investing in rentals and real estate (relatively new, but want it to become more serious)
I own a rental house that cash flows around $1k per month…
What’s Better: Going to College or Making Pizzas?
So I’m officially not a kid anymore. I have some gray hairs, I can’t workout for more than 30 minutes without feeling like I’m gonna die, and it’s been a decade since I was in high school.
When I think back to 10 years ago I was a starry eyed kid…
Living Life to Its Fullest
I have a really simple standard by which I live my life.
At the end of each day, when I’m getting ready for bed, I try to write an entry in my journal, which means I reflect on the day that just passed.
Mostly, I ask myself a single question about that day…
PF for all pay, not only for basic salary
It is likely to be announced a change in the PF contribution by the employees. In the present scenario, PF is deducted 12% on Basic + Dearness Allowance (DA). The same amount is contributed by the employers on employees account…
3 Ways You Pay a Premium for Human Interaction
Many businesses compete on cost. If you can deliver a similar product or service as other companies, but can charge less, you are can usually get a decent market share off that fact alone.
I’ve talked in the past about how email is better than talking on the phone, and my main argument is that it can be a more efficient form of communication…
The Refinance Window Is Closing: Historical Charts Of The 10 Year Yield
Those who’ve been waiting to refinance for the past 12 months have missed the boat with the US 10-year treasury yield surging to 2.15% as of 5/29/2013 vs. a low of 1.4% in July, 2012. Everything from 5/1 adjustable rate mortgages to 30-year fixed rate mortgages have all moved higher by similar, but not exact magnitudes due to durational differences…
How to Handle Kids Clothes Pileups
When it comes to kids clothes, I’ve recently changed my mind about dealing with the pileup that always seems to collect at the turn of the seasons. Every fall and spring, I dread the task of sorting through each child’s entire wardrobe to pack away what’s been outgrown, what’s too worn to keep, and what won’t be appropriate for the oncoming season’s weather…
8 Good Reasons to Learn Canning Now
Although my mother made her own preserves for years, I didn’t bother to learn. I could always pick up exotic chutneys or fancy jams in local stores. We didn’t live in places where we had fruit trees or many berries, so I didn’t find any compelling reason to learn…
Frugal Father’s Day Gift Ideas
Recalibrating for self-employment: Smartphones
Choosing to Stay Home With Children
Ways to Build Credit Without Relying Solely on Credit Cards
The first step is to understand what goes into your score…
Frugal Family Feast: Creamy Italian Polenta
Roth vs. Traditional Retirement Accounts: Why Roths are Not Always the Clear Winner
When I talk to the fine folks I work with and on this blog about why they choose a Roth 401K or Roth IRA versus their Traditional counterparts, the response is something like this,
“Roths allow earnings to accrue tax free, I’ll comparatively save more money for retirement, and I won’t pay taxes on withdrawals in retirement…
Side Hustle Series: I Wash Cars!
(Guest post by Cameron from Your Budget or Your Life. As part of our Side Hustle Series.)
First off, I LOVE cars, and the older and rarer the better. And since they’re much nicer to drive when gleaming in the sun – I love cleaning and washing them!
I have been doing it since I got my first car, and it’s a good hobby to get into…
6 Apps to Save You Time, Stress, and Money While Traveling
Why We Chose Scotiabank’s Scotia Total Equity Plan (STEP)
How a Regular HELOC Works
You may be familiar with a Home Equity Line Of Credit (HELOC)…
Why I Use OptionsHouse for Trading and Options
As you may or may not know, options trading isn’t for everyone…
Thursday Poll: Get in my belly
Last weeks poll made it pretty clear food is an important part in our financial journey. It is the biggest line item in most PDITFers budgets after housing costs. You could be a family of eight, spending $1,000/month on groceries or a bachelor spending $1,000/month on take out and beer. Food is something we can all relate to as every single one of us has to eat, of course, some more than others
Today, we will be doubling up on the poll action…