5 Easy Ways to Save During the Holiday Season

The holiday season is rapidly approach here! And you know what that means, a lot of gifts and a lot of swiping of your credit cards.  But just because the holiday season is here does not mean that you have to break the bank to enjoy it.  Heck, there are many ways to enjoy the holidays frugally and keep the expenses down as low as possible.  In this article, I wanted to share the five easy ways my wife and family keep our costs down and avoid unnecessary spending without sacrificing the spirit of the season.   Time to check them out!

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Thinning Down on a Bare Bones Budget

Lately I have been thinking of my income and expense, seeing what goes in and what goes out.  I couldn’t help but start to think that there are two ways to increase your financial moat to reach financial freedom in a shorter fashion.  Those two options are increasing your income and reducing your expense.  Without speaking on behalf of increasing your income, what if you already had a bare bones budget in your mind?  Are there ways of thinning down still?  Are there hidden pockets that one can slim down on?  Let’s see what I’m talking about.

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Seeking YOUR Advice About Buying a House

Last weekend, my wife and I met with a real estate agent to initiate the first step of buying our first house!   In the past, I have written about how we are in no hurry to purchase a house, take on a mortgage, and begin incurring all the extra expenses that we hear about from friends and family.  But, we anticipate the home buying process to be a lengthy process for us as we carefully vet our options to find that perfect house.   This article will be a different style and format that I have had in the past, because I would love to leave it open-ended for a discussion and hear from as many people as possible about this topic.   So please, at the end, share your experience/story!

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I Need to Read More

This one is out of left field, I know, but I’ve been thinking about this a lot recently.  It is a phrase that almost everyone states or thinks, but rarely acts on.  How many have you said ….”I need to read more.”  Well, over the past few months, I have been trying to act on this phrase a lot more and follow through with the whole reading thing.   This article isn’t rocket science nor am I sharing the secret to investing or life.  I just wanted to share my experience with you and see if you have any tips to help keep me reading at night.

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My Not-So-Glorious Cable & Internet Battle

Having cable is a hot topic in the personal finance community.  There is one camp that consists of people who have been able to cut the cord and slash their cable, ditching traditional cable, and subscribing to a streaming service like Netflix.   And the other camp, which I find myself in, have been unable to cut the cord because they like their traditional package and live sports too much!  Well, last month, my cable contract expired and my rates were set to jump.  I was torn in both directions and this was the closest I have ever come to cutting the cord.   I wanted to share this experience with all of you…check out my last battle with my cable and internet provider.

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Banking Without Branches (3 Months Later) & A HUGE Life Lesson Learned

Woah, I can’t believe time has flown by this quickly.   It seems like just yesterday I was walking into my banks, closing my accounts, and requesting a cashier’s check with the remaining funds.   Why did I do this? My wife and I were looking to consolidate our finances after our wedding and wanted to experiment with using a bank without any physical branches in our area.   Ultimately, we selected Capital One as for this grand experiment.  That was three months ago, so I wanted to share the results of this experiment with all of you!  But wait, there is more.  Over the last three months, this experience and others has taught me a HUGE life lesson that I would like to share with all of you.

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How My Stock Portfolio has Skyrocketed

Finally, a fun title, right?  Labor day has just ended and I am writing this article, as I have recently updated my portfolio and just smiled at what has occurred.  As the community may remember, I have been writing about my new strategies that I have put in place on my portfolio, and the results are quite pleasing.  This article, I am hoping, will show you the actual impact on my portfolio from the actions I have taken and to also share my progress towards financial freedom.   Remember – I am trying to keep as much money in our pocket from our income, to maximize the amount of assets we can buy, to decrease this thing called “time” that we are counting down towards financial freedom! Continue reading

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