One way to maximize the value of your dollar while paying off debts is to target where each of your dollars goes. The most efficient way to do this is to focus as much of your money into paying off the principal and try to minimize the amount of interest you are paying - [...]

Today’s tip for financial freedom is: Automate things.
When you automate things, you don’t need to be disciplined about it consciously! That is why automating things is one of my favorite ways to handle my finances. Every pay period, before I receive my paycheck a big chunk of it is automatically taken out for the [...]

Today’s tip for financial freedom is: Stop wasting cash. And cancel obvious cash wasters - like your cable TV subscription.
This will save you $40-$60+ per month - that’s an extra $500 or more per year you can use to pay off your bills. Money that you are basically burning.
Sure, you and/or your family [...]

Most people don’t bother trying this, but it often works like a charm. Just asking a simple question like “is that the best price you can do”, or “can you take $50 off that if we pay in cash right now” often results in a 5-10% discount.

Today’s tip for financial independence is: Think before you buy. (i.e. Don’t buy on impulse.)
You know all the times you saw something in a store and wanted your parent to buy it - but they said no? This is that same sort of thing, but an affliction that affects young adults.
Once [...]

Today’s tip for financial independence is: Save money and set a budget for the holidays.
Millions of households get caught in the same cycle every year. They buy holiday gifts for friends and family, get their credit card bills a few weeks later, and spend the whole next year paying off every dime they [...]