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- Living A Better Life Interview – Radical FireThe post Living A Better Life Interview – Radical Fire appeared first on Life For The Better. ... read on
- Just a little (link) love: Ragnorak soundtrack editionA cool cat coloring book that Maggie has been working on. My friend has confirmed that the inside is awesome too. A few things I made: Word Nerd, Body, what are you doing?, Pug weekly planner, Betrothed: a wedding planner. I’ve always been keenly aware that we have a terrible approach ... read on
- Students: 11 tips for managing your money at uniStarting uni in September? Congratulations – and here’s what you need to know about managing your money. If you’re leaving home for the first time, there’s a lot to learn! I still have vivid… The post Students: 11 tips for managing your money at uni appeared first on ... read on
- Is Investing In Fine Art Possible For Me? [A Masterworks Review]This article is sponsored by Masterworks. All opinions are our own. Now that you’ve been investing in the stock market for a while, you’re thinking about diversifying into alternative investments. You might decide to start with peer-to-peer lending. Although investing in real estate or tax liens might interest you more. ... read on
- 83% of guarantor loan cases won at Financial OmbusdmanThe Financial Ombudsman (FOS) complaint statistics for April-Jun 2019 have just been published, see Product Complaints Data. For guarantor loans, FOS decided in favour of the consumer in 83% of cases. That is a dramatic increase from the uphold rate of only 32% for the previous financial year I have ... read on
- Calculating Your Effective Tax Rate (the actually useful way!)Did you know that this time of year is great for tax planning? For me, back-to-school time is just as much the start of a new year as January 1st. With three kids in school, I can finally catch up on some things! Previously, I shared how to calculate (and ... read on
- Women’s Personal Finance Wednesdays: Week 48 Roundup
Welcome to another week of the Women’s Personal Finance Wednesdays roundup. I started this series after months of debate because I wasn’t certain I wanted to up the ante and commit to ... read on - How to complain if you have got a guarantor loanAmigo and other guarantor loans are very expensive and the lender often doesn’t check properly that you will be able to manage the loan repayments without having to borrow more. If proper checks would have shown that you couldn’t afford the repayments, complain! There is a template letter in this ... read on
- How to complain when you are the guarantor for a loanIf you are a guarantor for a loan you can ask to be removed as the guarantor: if you couldn’t really afford to repay the loan without difficulty; or you were pressured into becoming the guarantor; or you didn’t understand the implications of being a guarantor. A lender such as ... read on
- How to Know if You Can Afford for One Parent to Stay HomeQuitting your job to stay at home with your growing family can have both positive and negative impacts on your finances. If you and your spouse or partner are considering stay-at-home parenthood as an option for your family, it can be tough to know whether or not you can afford ... read on
- Checking in With My 20 Before 2020 Bucket ListThe fact that I’m writing this at the end of August instead of mid-year should tell you a thing or two about how my 20 before 2020 bucket list is going. This summer has really gotten away from me, and I’m one hundred percent blaming the weather. I don’t think ... read on
- Exactly what happened when I quit my stressful jobTeaching was stressful. It was also some of the most meaningful work I have done. You can read more about why I quit my stable job in education on The Financial Diet. I traded down from a good, successful career to one that is considered risky. It was worth ... read on
- After Four Years of Blogging, Here Are the Best Tips NowEvery August, we celebrate a little here at Medium Sized Family. This year, the blog turns 4 years old! As a stay at home mom, I just love blogging. For one thing, the accountability from this blog allowed our family to pay off thousands in credit card debt. And building ... read on
- 25+ Gift Wrapping Ideas That Will Blow Your MindEver since I was little, I have LOVED gift wrapping. Walking through the mall during the holidays, I was jealous of the people gift wrapping presents at the kiosk. I told my mom I would work there for free and they would never need to pay me! I mean, is ... read on
- Unemployment Diaries: Tuesdays, 70 Job Applications, SpainHi, friends. So It’s 5a Wed. I can’t believe it’s only Wednesday, to be honest. Yesterday I was having so many feelings it felt as though a week had passed. Tuesday is the official D-Day in the Jobbing Process. I have it on good scientific authority that Tuesday is The ... read on
- Celebrating Your Money Wins – Volume 21
Summer might be winding down, but money wins are still going strong.As far as us personally, we are celebrating a huge debt payoff milestone, but the ... read on - FinCon, Award Nominations, Merch & More!Today I'm talking about FinCon (both for financial content creators and money nerds - check out the meetup!), award nominations, new merchandise that I hope you'll love, and more. Check it out! The post FinCon, Award Nominations, Merch & More! appeared first on Chief Mom Officer. ... read on
- What is a SDIRA and how does it differ from a regular IRA?Did you know that you can invest in other things besides stocks and index funds inside of your retirement accounts? How about gold or real estate? These alternative types of investments can be inside tax-sheltered accounts such as your Roth IRA or even solo-401(k). For this post, we will focus ... read on
- How To Make Money As An Instagram Influencer (Internet Fame That Pays!)When you open Instagram and scroll past a celebrity or influencer who’s endorsing yet another company’s product, what do you usually think of? “Ugh, I wish I could get free swag too!”“Gee, I wonder what it’s like being that popular.”“Hah! I can do better than that!”All of the above.If ... read on
- Diaper Bag Essentials: What to actually pack in your diaper bag!Diaper Bag EssentialsYour diaper bag is going to be your lifesaver when you’re on the road! From dealing with poop explosions to sudden tantrums, your diaper bag is going to get you through those unexpected, messy realities.Since your diaper bag is a mini version of your baby’s room, it can ... read on
- What’s You Money Management Style?Your personality determines your most effective money management style. I remember applying for a server position at Applebee’s and having to take a personality test. It was my first time taking a test like that for a job, and so I answered all the questions honestly. Not surprisingly, I ... read on
- Ways to Save for CollegeMy BABY is starting Kindergarten this year. My beautiful little daughter that still crawls into my bed in the morning. The one whose eyelashes are so long she looks like a doll when she’s sleeping. That baby is going to be getting on a bus and heading off to school ... read on
- Tube Travel Pillow (Review)On a trip to New York City this February, we got a chance to try out the Tube travel pillow as we flew up and back. The premise was simple: it is a travel pillow that also doubles as a free additional personal item on the plane. Tube Travel Pillow ... read on
- Why You Shouldn’t Pay Off Your MortgageThis article was written by guest contributor, Acquania Escarne. All thoughts expressed are solely those of the author. Most people in the Financial Independence and Retire Early (FIRE) movement believe in paying off your mortgage early to get out of debt. Living debt-free is the ultimate goal. Eliminate credit ... read on
- Do you really need self hosting as a blogger?Self hosted blogs seem to be the golden standard for bloggers whenever you do a quick internet search, but does it apply to you? Self hosting a WordPress blog isn’t hard, but it’s not exactly something you can set up in 2 minutes, and it’s not free. This makes ... read on
- What Documents are part of a Comprehensive Estate Plan?Everyone has their own unique estate plan spelled out in the details, but generally, I draft the following documents for my Michigan clients as part of a comprehensive estate plan: Last Will and TestamentRevocable Living TrustCertificate of TrustDurable Power of AttorneyLiving Will & Patient Advocate DesignationHIPAA Authorization FormMichigan Funeral Representative ... read on
- Monzo Review: What Is Monzo? (Full Guide for 2019)Monzo Review: What Is Monzo? (Full Guide for 2019) Today we are going to look at the new bank that’s been shaking things up – Monzo*. I consider myself a bit of a budgeting pro, so I wanted to try out the new way of doing things with Monzo bank ... read on
- An Intro To The Magic Of Sous Vide Cooking“We do NOT need a hundred and something dollar piece of kitchen equipment! We rarely cook!” I’ve been wrong few times in my life (*insert a massive amount of sarcasm*), but in this instance I have to completely eat my words (pun intended). We bought a sous vide machine at ... read on
- 25 years a veggieI love celebrating and recognising milestones in my life, so today we have a celebration of my 25 years so far as a veggie. Now although I’ve touched on it a few times I’ve never written the whole post on my vegetarianism and how it has endured. So why not ... read on
- Mini Update and Other RamblingsAs of tomorrow, the Visa will be below $6,000. Due to my confusion as to when the chimney sweeper will be here (next month, not today like I thought), I did indeed have $500 to throw at the debt. This payment will bring the balance down to $5,923.39. As for ... read on
- My kid and notes from Year 4.5Parental Perspective Whatever our challenges, I keep reminding myself that we really only have a limited window of time to teach JB. Sooner than we think, ze is going to be exercising independent thought (for good or ill) and making zir own choices. On that note … You be you, ... read on
- 22-Year-Olds Don’t Belong in Grad SchoolIn my day job at a major technology company, I mentor a lot of young adults. Most of them are college-aged interns and recent graduates. You’ll be shocked—shocked!—to learn that my mentoring sessions are popular because of their “no bullshit” vibe. If we’re getting coffee for thirty minutes, we’ll spend ... read on
- Date A Feminist Man, Trust MePhoto by Becca Tapert on Unsplash Have you ever taken off a heavy backpack or painful shoes after a long day, and realized – woah! My body’s been hurting this whole time? That’s a feeling I’ve been getting a lot lately. I mentioned before that I’ve fallen in love, and it’s been ... read on
- Guest Post on Radical FIREHello FOGA Readers! I did a Guest Post for Radical FIRE! Some of you may recognize her from her guest post that she did for me in June: Home Squeezed Home: Why I Love Living In 160 Square Feet. If you don’t know who she is, here is a quick ... read on
- Why We Visited Hawaii for Our BabymoonAndy and I recently returned from a week in Hawaii (our last vacation before Baby Cummins arrives!) and oh my goodness, it was hands-down our favorite vacation to date. Dare we say it, it was even better than our honeymoon! I plan to share all about our Hawaiian ... read on
- A Cost Savings Analysis For Home Energy Upgrades We bought our home in the summer of 2011, but it was built in 1962, so energy efficiency was not something that was part of the design. As soon as ... read on
- Rakuten Review 2019: Is This Cash Back App Worth Your Time?With a lot of money making ideas out there on the web, it’s good to know the ones that will be the best use of your time. A great way to save money, and also earn some extra cash, is with Rakuten. Haven’t heard of Rakuten before? Well, you’re in ... read on
- Deciding When to Quit – Part TwoBack in April, I wrote about the internal challenge I was having on deciding when to quit my job. I joined the project team for a global system implementation in August 2017. The project was scheduled to end in mid-spring 2019 but got extended to […] The post Deciding When ... read on
- 5 Must Read Personal Finance Books for Canadians5 Must Read Personal Finance Books for Canadians I have read a lot of personal finance books over the past 10+ years. As I reflect on what I found helpful especially for the beginner investor or individual beginning to be interested in personal finance, I came up a list ... read on
- My Top 10 Favourite PostsHi friends! It’s been almost a full year since I stopped blogging. In that time, I’ve thought a lot about what I want to do with the archives—and, ultimately (after asking myself what 34-year-old Cait wants), I’ve decided to delete them. Between now and the end of the year, I ... read on
- 10 Simple Ways to Manage Your Money Better in 2019Are you where you want to be with your personal finances? Do you know what your net worth is? Do you have any idea whether you have a positive or negative monthly cash flow? If you answered “no” to any of these questions this article is going to help you ... read on
- Yield Curve Inversions Will Doom Us All – Parody & Real AdviceCrazy market got you down? Looking for someone to make fun of the gloom and doom mainstream financial reporting - or some solid advice? I'm bringing you both in today's article and video. The post Yield Curve Inversions Will Doom Us All – Parody & Real Advice appeared first on ... read on
- Smashing 6 Figures of Debt & Learning From What Doesn’t Apply to Me
There’s no sense in burying the lede: Our mortgage finally dipped below six figures. Specifically, we now owe $99,884.And I can’t stop ... read on - How Do I Get Rid of Private Mortgage Insurance (PMI)?If you pay for private mortgage insurance (PMI) you’re not alone. The average down payment on a home purchase is only 6% requiring most homeowners to pay for PMI each month. If you had less than a 20 percent down payment when you bought your house, your lender probably ... read on
- Putting Your Power—Of Attorney—To Work“With great power comes great responsibility” – Uncle Ben to Peter Parker aka, Spider-Man, 2002 Two years ago, I wrote an article about becoming power of attorney (POA) for several family members. Today I write a different side of the story; when it’s time to put that power to work. ... read on
- Currently…Since it’s been nearly a month (!!!) since I last blogged, I thought an easy way for me to get back in the swing of writing would be to do an old-fashioned “Currently” post. No pictures in this post, because I don’t care that much 😉 Wearing… dresses, all day every day. I’ve ... read on
- AnnoyancesEver have a day where you feel annoyed for stupid reasons? It is things that aren’t life-changing or even earth-shattering. Today is one of those days for me. In general, I try to keep my blog upbeat, because hey, who in their right mind would want to read about someone ... read on
- New Mama Must-Haves from Kindred BravelyWhen I first learned I was expecting a little one, one of the first things I thought about was buying maternity clothes. As a first time mama-to-be, I couldn’t wait to finally have a little bump to show off! Now that I’m in my second trimester ... read on
- Easy and Healthy Instant Pot Chicken and Spinach CurryAs a mom of two toddlers and a busy professional, I’m always looking for fast and healthy recipes. This recipe is one of my go-to’s for batch cooking. It also gets healthy dinner on ... read on
- Practical Step One: Inventory
So. Everything has hit the fan. You’ve lost your job. Your health is screwed. Something major has happened. You are freaking out. Overwhelmed. Pick a place to start. Here is my suggestion for practical, actionable works. Take inventory. Of everything. How much food do you have in your house? Pantry ... read on- 5 Simple Ways to Change Your Mindset About Anything
Just a few years ago, my husband and I had accumulated so much debt that there didn’t seem like a way out. Student loans, car loans, personal loans, credit card debt, a mortgage… we felt stuck. Our money issues only changed when our way of thinking about money changed. Have ... read on- Pursuing Financial Independence Because of Anxiety
Last week, I wrote a pretty personal post about my experiences and struggles with anxiety. I may have let it slip that one of the reasons why I dread going to work so much is that I’m so anxious about everything there all the time. It’s ... read on- Sunday Sharing Vol: 40
- Debt news – August 18
In a quiet week, my two top picks are my article on UK credit records & scores and the Times article – unfortunately behind a paywall – on Hostile environment: immigration system keeps families like ours in debt. Debt news CRUEL UNIFORM Payday lenders are targeting skint parents and charging ... read on- Saving on Homeschool Curriculum: 2019 edition
It seems like summer has barely started, and I’m already looking to our curriculum for the next school year. We’ve decided to do more of a year-round schedule from now on (or, at least give it a try and see how it works). A big part of the reason we ... read on- 5 Things Worth Knowing About Inheriting Money
Losing a friend or family member is one of the most difficult things that you will go through, and the grief and mourning process that follows is one that can put your life on hold, and never really leaves you. Nobody wants to be in that position, but more than ... read on- The Long Journey of a Side Hustler
Defying Stereotypes Quick — when someone uses the term “side hustler“, what’s the first thing that comes to your mind? A fast-talking charlatan, using sleight of hand to con you out of your life savings?… Continue Reading… The post The Long Journey of a Side Hustler appeared first on Mastering ... read on- $1.00 Takeout Meals? Get Them While They’re Available!
One of my fellow frugal FI seekers alerted me to a special deal that runs until August 23, 2019. It’s available now on the Ritual app (referral link). Download the app, create your account, add your credit card information (I encourage adding one that earns more dining points), and check ... read on- DiversyFund Review: An Alternative to Traditional Investing
This is a sponsored post with DiversyFund. All opinions are our own. The two most profitable forms of investing are the stock market and real estate. While investing in the stock market has always been accessible to the average American, investing in real estate has not. The vast majority ... read on- Snow in the Baltics – Finland, Estonia and Lativa – Countries 38, 39 & 40
Today it’s time for some travel, continuing my counting counties series. In chronological order, the next countries I visited were in the Baltics; Finland, Estonia and Latvia – taking me up to a country count of 40! I visited them all together and created my own personal tour of the ... read on- The Value of Thinking in Shades of Grey
There was a time when “shades of grey” was an innocent enough phrase. Now with E.L. James and her bestselling trilogy, on hearing the words, most people’s thoughts ... The post The Value of Thinking in Shades of Grey appeared first on Elementum Money. ... read on- The Value of Thinking in Shades of Grey
There was a time when “shades of grey” was an innocent enough phrase. Now with E.L. James and her bestselling trilogy, on hearing the words, most people’s thoughts ... The post The Value of Thinking in Shades of Grey appeared first on Elementum Money. ... read on- Discovery Park Loop Trail on a Sunny Day is THE BEST
Discovery Park is located in Magnolia, a neighborhood northwest of Downtown Seattle. With over 11 miles of trails and 500 acres of park, Discovery Park is GORGEOUS. We love taking our dog for a walk on the Loop Trail on sunny days. The Loop Trail has the perfect mix ... read on- Part-Time Lifestyle And Income Report #2 (Week Of August 12)
Income Report ContextEarlier this year, I was earning a salary of $60,000 in a job I despised, and my family was making over six figures annually. We were able to pay off some debt, invest, and save. After many months of searching, I took a lower-paying job that I hoped would ... read on- A Guide To Investing In Precious Metals
Precious metals are just one commodity that can be included in one’s portfolio. A little diversity is always a good idea when you are looking to spread your wealth. Unlike some forms of investment, precious metals continue to have a stable history from an investment point of view. With that ... read on- Friday Happenings
Visa has received another $300, bringing the balance down to $6,423.39. I’ll need to see what next week brings, but I’m aiming to get it below $6K. Today I also paid September’s mortgage payment. Yesterday we received our electric bill, so I took care of that bill, too. Thankfully it ... read on- When to Take the Leap
You’ve relegated your passion project to side hustle status for a long time, working on it in between your day job and other parts of your life. But you know that if you want to get your business growing, you need to invest more time. That’s when you start asking ... read on- Friday’s Frugal Five (2019 – Week 32)
We ended up attending three birthday parties last weekend: two on Saturday and one on Sunday. The second one on Saturday was for one of our neighbors, so it just meant that we ... read on- Good Things Friday (27)
This is my weekly list of things that were good this week, even if they weren’t all unadulteratedly good things. Please do share your good things in the comments! 1. Last week, we had the pleasure of a short visit from faraway friends and it was so lovely. PiC hadn’t ... read on- Yard Sale Tips to get the MOST out of Your Garage Sale
Yard Sale TipsIf you’re looking for tips on how to host a yard sale because you want to make some extra cash and declutter, you’ve come to the right place. It’s strange to call myself this, but I am a yard sale expert. Expert is not a term I use loosely…Full ... read on- The Fastest Way To Build A Successful Business
Business coaches everywhere will tell you that they hold the secret to helping you build a successful business. All you need to do is sign up for their course and follow the top-secret formula. In no time, you’ll be making 6 or 7 figures. Easy peasy.Honestly, though, it doesn’t work ... read on- Guest Post on Our Table For Two
Hello FOGA Readers! I did a Guest Post on Our Table 4 Two. 🙂 Our Table for Two is a fantastic blog fun by Moriah Joy. She writes about her and her husband’s debt repayment journey. She also has great net worth posts which I have linked to a few ... read on- Is My Anxiety a Problem?
My heart races, my stomach churns, and I start feeling that nervous tingling all throughout my body. You know what I’m talking about, right? That time that your boss tells you that you made a small typo on your latest report, or the fact that your ... read on- Unemployment Diaries: 3 Quarter Horses in a Race I’m Not Sure I Want to Win
It’s Thursday afternoon at 2p. It’s my 2nd week of unemployment. Because I don’t feel restful quite yet, I have yet to call this voluntary break a sabbatical. In fact, in a panic last Friday I applied to quite a few more jobs. Nine to be exact. This is in ... read on- 10 Steps For Starting A Small Business
Daily Successful Living 10 Steps For Starting A Small Business: A few years ago Aaron and I made a very poor business decision and lost $55,000 (yes, you read that right). We were incredibly stupid. I was cleaning up some old posts and thought you guys may enjoy reading about ... read on- 15 Best Frugal Living Tips (To Save Serious Money)
Are you in debt and are struggling to save for your dream vacation? These are signs that you are living beyond your means. But don’t worry; you’re not alone. Many people are dealing with debt and barely have any money in their bank accounts. It’s no surprise that frugal living ... read on- How to Be the Personal Finance Expert In Your Home
Have you ever sat down to tackle your finances only to become immediately overwhelmed information overload and all the jargon that sounds like a foreign language? You find yourself confusing APY and APR and wondering why you have a FICO score and a credit score. We’ve all been there. ... read on- Will the Money Shop really pay 80% of your payday loan refund?
On August 14, Instant Cash Loans (ICL) began sending emails to people who had borrowed from the Money Shop, Payday UK or Payday Express. The email asks customers to vote to approve a Scheme of Arrangement. I have updated my Money Shop LATEST NEWS page with details of the Scheme ... read on- Essential Money Savvy Tips for Car Owners
Being a car owner is one of the great joys of being an adult. It gives you independence and responsibility and saves you ever having to worry about being late for the bus again. When it comes to costs of car ownership, it will likely be one of the most ... read on- 3 Situations Where It’s Ok To Borrow Money (And How To Do It Properly)
The first piece of advice that people give you about managing your money properly is always that you should never borrow. If you borrow money, you’ll end up trapped in debt and it’s so hard to get out of. Usually, that’s good advice and it isn’t a good idea to ... read on- Driving Offences to Avoid To Save Yourself From a Fine
Money saving is always a big challenge to face as an adult. No matter what or where you are in life, saving money is always a priority and you will liley find every way possible to do this. We all know about the obvious ways to save money in life such as ... read on - Practical Step One: Inventory
Welcome to another week of the Women’s Personal Finance Wednesdays roundup. I started this series after months of debate because I wasn’t certain I wanted to up the ante and commit to ... 
Summer might be winding down, but money wins are still going strong.As far as us personally, we are celebrating 
We bought our home in the summer of 2011, but it was built in 1962, so energy efficiency was not something that was part of the design. As soon as ... 
There’s no sense in burying the lede: Our mortgage finally dipped below six figures. Specifically, we now owe $99,884.And I can’t stop ... 
We ended up attending three birthday parties last weekend: two on Saturday and one on Sunday. The second one on Saturday was for one of our neighbors, so it just meant that we ... 