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Category: Financial Tips

Guest Post: 6 Tips for Avoiding a Loan Application Rejection

Guest Post: 6 Tips for Avoiding a Loan Application Rejection

Note: From time to time I will have very smart folks provide a guest post on a particular finance topic. Today, we have one by Jamie Dalzell, who is a freelance writer (and a darn good one I might add). If you are interested with working with Jamie or contacting him you can go find him at the website Reality Copywriting.   6 Top Tips For Avoiding A Loan Application Rejection If I asked you what your credit score is,…

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A Strategy for Debt Fatigue

A Strategy for Debt Fatigue

Do you have a lot of debt, particularly large ones? Do you feel like you are making no progress? Did you start off strong on your debt and you have hit a wall? Are different strategies for paying off debt not working for you? If you answered yes to any of those questions then you might be suffering from debt fatigue. I know that I suffer from it. Let’s be honest paying off large amounts of debt is hard, particularly…

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Guest Post: Tips on Financial Management for Everyone

Guest Post: Tips on Financial Management for Everyone

Disclaimer: From time to time I have some really smart people write guest post for this blog. I love having others contribute their ideas to this little corner of the personal finance world. Today, we have a guest post from Jennifer Scott (jenniferscott1390@gmail.com). Take it away Jennifer. Putting some time aside to manage your money can be such a beneficial pastime. In addition to helping you manage your bills and not having to live paycheck to paycheck, you can also…

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Guest Post: Balance Your Social Life and Finances-10 Ways to Save Money When Eating Out

Guest Post: Balance Your Social Life and Finances-10 Ways to Save Money When Eating Out

*From time to time I will have really smart people (often much smarter than I am) write a guest post for this blog. Today, we have Adriana over at Money Journey Today. Adriana has an excellent post on how to save money when you are eating out (something we do too much of in the ROB household). Saving money and trying to be as frugal as possible on a daily basis can be a good thing. However, frugality can take…

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Don’t Raid Your Retirement Accounts

Don’t Raid Your Retirement Accounts

Let’s be honest, we all run into a bad patch financially once in a while. We might lose our jobs, have extra expenses that we didn’t see coming, increased debt because of an illness or death in the family or sometimes we just plain overspend. In these situations, our immediate impulse is to get out of the jam as quickly as possible and if we don’t have the money saved in an emergency fund one of the impulses that people…

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Best Mutual Funds for Socially Conscious Investing

Best Mutual Funds for Socially Conscious Investing

This blog has truly been an adventure. Originally, I started this blog to keep myself in check and track my progress to financial independence. I have been somewhat successful over the past few years in reducing debt and increasing my overall net worth. A wonderful side benefit of this blog is that I get e-mails asking for my advice. Those e-mails have increased over the past couple of months. Now it isn’t a lot. I get maybe 10-15 per week…

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Building Wealth? Own a Home

Building Wealth? Own a Home

I have written on this blog a number of times about my housing blues. We have certainly done our share of home repairs over the three years we have been home owners. In fact, I think we have spent at least $15000 in just the past three years on new insulation, appliances, mold remediation, and other small items. That, of course, doesn’t include buying furniture and other things we did to our house. There are also all kinds of future…

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Financial Tip Friday: How Much Car Can/Should You Buy?

Financial Tip Friday: How Much Car Can/Should You Buy?

I have to admit I love the idea of having a nice brand new car. I mean who doesn’t love that new car smell. It’s all clean and wonderful. But I then snap back to reality pretty quickly because I realize that car will be worth at least 10% less the minute I drive it off the lot. And if I have to finance it that car payment will probably be with me for 3-4 years. Plus, the car goes…

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Let’s Talk About Target Date Mutual Funds

Let’s Talk About Target Date Mutual Funds

The wonderful bloggers over at Millennial Revolution had an excellent post last week they entitled “Is Too Much Freedom Bad For You?” Personally, I think the answer to that question depends on the person. Politicians constantly promote the idea of freedom. More choices will drive down the market. The amount of choices we have on the internet is fantastic. The amount of television shows makes this a great time to be a fan of TV. That maybe true in the…

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Should I Invest in Real Estate?

Should I Invest in Real Estate?

*This post is updated from its original posting about six months ago. I have been thinking about buying real estate to add to my portfolio. I thought a multi-family home next door to us would come on the market as a foreclosure, but that isn’t going to happen. So I have been thinking about how else, if at all, do I get into real estate. So while this was a thought experiment 3 years ago I still think about it…

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