Around 8 months ago we finally got serious about building our net-worth. We had been out of university a few years, lived in high-rises downtown, taken exotic trips, and lots of fun. However, our net worth was still negative by quite a bit. At this point we were not following a budget, and not aggressively
5 Easy Habits I Used To Achieve An 800+ Credit Score
I recently crossed the exciting line of an 800 credit score. It’s exciting, but in reality nothing has changed. The habits used to reach this are extremely easy, and really are habitual processes that you can use in your FI journey. A credit score is extremely beneficial in getting low mortgage and loan rates to
Paying off $30,000 USD of Student Debt in 1 Day
Recently we paid off approximately $30,000 USD of student loan debt. We were fortunate to close out an investment that we had for a few years, and have set aside the necessary amount for tax time. It’s an amazing feeling to see the accounts zero’d out now. Our remaining debt is as follows: vehicle loan
Our Experience with Robinhood Investing
Our Robinhood review covers the past 6 months of personal investing experience using the app. It is an investing application that is free to download on both iPhone and Android devices, best known for their commission and fee free trading. Robinhood is a good platform for someone that … wants to invest with a small
Why Rewards Points Are A Corner Stone To Financial Independence
You can achieve financial independence via 1 of three methods: Increase your income Decrease your expenses Increase your income AND decrease your expenses As FI’ers the freedom exists to achieve the end goal however we’d like to. Many try to do this by decreasing their expenses, which involves typically adopting an overly frugal lifestyle (nothing
PYF = Pay Yourself First!
Hey all, This is a super interesting topic because it can be very subjective based on what your personal and/or family goals are. For example, my wife used to think paying herself first was making sure she could get a pedicure or a massage, now it has transitioned into putting the budgeted savings directly into
Ally Bank High Yield Savings Account Review
We made the switch to Ally Bank several years ago after reading about high interest savings accounts on /r/PersonalFinance. I was shocked that a bank could offer a 1.2% APR where Chase was offering 0.02% and hooking customers on it. Needless to say, we nervously made the switch and wondered what it would be like