Complete Debt Freedom – 3 Years In!! What’s It Like??

“I want a divorce”Those words barreled toward me like a hundred ton freight train. They struck me, pushed me backwards into the wall and I slunk down to the floor like someone having a heart attack. Never before had I heard these words and never did I think something could hit me with so much force as this.From then on, my life was changed forever.Complete Debt Freedom – 3 Years … [Read more...]

3 Simple Steps for Opening a Business Bank Account as an LLC

In recent months I’ve been on a mission to make my business legit. In my last post I talked about becoming an LLC and operating as a single-member business owner. Today, I’m excited to talk about out opening my first official business checking account! In the past I’ve had personal bank accounts with a DBA (Doing Business As) where I deposited freelance income and was using my personal Social … [Read more...]

Why Some Economists Say You Should Give Cash Instead of Gifts

If Christmas shopping gives you the blues, and you labor over the thought of selecting the best gifts to no avail, you now have permission to stop. That's right. "Scroogenomics" may provide the peace of mind you seek during this festive, gift-giving season. In this retelling of Charles... … [Read more...]

November 2017 Blog Income Report

This blog… it’s just so fun. I can’t imagine a day where I’m not writing for it.I mean, I get to:Impact peoples’ lives,Hear about all their success stories,and I get to make money in the process!!Haha, how lucky am I??!And it all starts with just $24. That’s the entire cost of iPage for the first year.Want to start a site of your own? Sign up with iPage here. … [Read more...]

When Is Your Credit Card's Travel Insurance Good Enough?

People know travel insurance exists because they get the option to buy or decline it when they purchase airfare or book a vacation package. At the very least, many are informed of their credit card's perks and benefits — including travel insurance — when they sign up for a new card.... … [Read more...]

Best Money Tips: Things That Are Cheaper After Christmas

Welcome to Wise Bread's Best Money Tips Roundup! Today we found articles on things that are cheaper after Christmas, how to survive long flights, and tips to avoid a charity scam. Top 5 Articles 10 Purchases That Are Way Cheaper After Christmas — Retailers stock up on tech devices for the... … [Read more...]

9 Things You Should Always Carry on an Economy Flight

Flying in economy class today is a far cry from the golden age of flying, when a standard flight provided free blankets, meals, and even alcoholic drinks in some cases. Airlines these days compete to offer the lowest prices possible, and to do so, they’ve stripped out many of the amenities... … [Read more...]

Don't Be Fooled by an Investment's Rate of Return

When you invest, you are looking for return. You want your money to grow over time, preferably at a rate that will allow you to achieve your financial goals. An investment's rate of return can be a deceptive thing, however. The amount of money that an investment has made in the past isn't a... … [Read more...]

What Should Your Net Worth Be At Your Age? Use This Formula to Find Out!

I was 23 years old, fresh out of college, and I just started my first big boy job making $33,000 a year. (It wasn’t a ton, but in the peak of the recession I was just happy to have something to build up my experience and hopefully land a better job later in life.)I had debt – it wasn’t that much compared to some of the messes people make today, but I owed my parents $12,000 for … [Read more...]

12 Better Ways to Spend $1,000 Than on the New iPhone

Recently I bought the iPhone X, and immediately had buyer's remorse. I'd reconciled the $1,000 price tag with my budget and bank account, but while purchasing the phone through my provider, the extra charges started to rack up. After the upgrade and other fees plus taxes and insurance, the bill... … [Read more...]

Best Deals for Thursday 12/07

Link for teaser title:  http://www.wisebread.com/bestdeals/today SAVE as much as 80% OFF Stainless Steel Vacuum Insulated 6-Piece Tumbler Set, 30 oz, and more... Camping Cookware... … [Read more...]

The Key to Retiring in Your 50s

Most people will continue to work into their 60s (and sometimes beyond) because they have no idea when they can retire comfortably. But in today’s world it has become much easier for anybody to figure out if and when they can retire.The Key to Retiring in Your 50sThe following is a guest post, written to make you think a little harder about your retirement. Do you have plans for retiring in your … [Read more...]

How Divorce Can Impact Your Social Security Payments

Divorce can have long-reaching financial consequences that can make it harder to ensure a stable retirement for yourself. The good news is that the Social Security Administration continues to acknowledge your relationship with your former spouse, even if you have striven to forget about it.... … [Read more...]

What is the 4 Gift Rule? (And Should You Try It?)

Gone are the days where parents buy their kids a million presents to sit under the Christmas tree. With kids wanting more expensive items, plus the fact that some abandon (or outgrow) their gifts after just a few short weeks or months, it’s becoming more and more valuable to take a minimalist approach when gifting. And that’s where the 4 gift rule comes in!Related: 3 Good Reasons Not to Give … [Read more...]

How to Bounce Back From a Bankruptcy

Whether you've filed Chapter 7 or 11, bankruptcy is not ideal — but it's also not the end of the world. You've made some monetary missteps along the way, sure, but if you learn from those mistakes, you'll emerge from the ashes of financial ruin stronger than ever. Heed this advice on how to... … [Read more...]

Best Deals for Tuesday 12/05

Link for teaser title:  http://www.wisebread.com/bestdeals/today CAP Barbell Adjustable Weighted Vest, 60lb, SAVE 48% OFF, and more... SAVE 45% OFF Premium Sturdy Stainless-steel... … [Read more...]

7 Reasons I Bought a Crappy House Instead of My Dream Car

Remember that $75,000 car I was absolutely obsessed with a couple months ago? It was a black and white Ferrari 360 – one of the most beautiful cars I have ever seen. Man it would be awesome to drive that thing to work every day! Plus, we actually had the money in the bank to do it, so we went to the dealership and bought it, right? I mean look at this thing!Wrong….Instead, Liz and I … [Read more...]

Becoming an LLC: How to Form an LLC in Your State

This post is a personal update on how and why I finally become an LLC. As my business has grown and evolved over the years, I’ve only done business under my name and personal Social Security number. But with my transition from freelance writer to project manager I knew I wanted to take my business to the next level. I mean, who wants to keep giving out their personal SS number and name for … [Read more...]

Best Deals for Monday 12/04

Link for teaser title:  http://www.wisebread.com/bestdeals/today SAVE BIG when you grab Marie Claire Print Magazine 1-Year Auto Renew Subscription, and more... SAVE 33% OFF The... … [Read more...]

Our New Partner: BillCutterz!! Try Them Out at No Risk!

“What??? Oh my word!!” Monica nearly fell over when she heard the news. BillCutterz just called and told her that they saved her family $1,493.93 for the year on their monthly bills – and all it took was a quick 3 step process that took just a few minutes! AND, the upfront cost was absolutely nothing!BillCutterz: Our Awesome New PartnerAs LifeAndMyFinances.com continues to grow, … [Read more...]

3 Reasons to Be Picky When Hiring a Financial Planner

Hiring a financial planner should be something you give a great deal of thought to. You will be trusting this person to guide you through major financial decisions and help you reach your life's goals. So why would you settle for the random financial planner who passed out business cards at a work... … [Read more...]

12 Ways to Stay Motivated to Pay Off Debt

So you’re on the path to becoming debt free? – that’s AWESOME!! What’s not awesome is that you’re starting to drag butt on your goals… Your friends have abandoned you, your family makes fun of you, and the excitement of getting out of debt wore off after Day 3…. You’re still committed, but how in the world can you stay motivated to pay off debt?12 … [Read more...]

7 College Courses That Will Boost Your Career

The job market is full of college-educated Americans. With so many people boasting bachelor degrees, associate degrees, and even master's degrees, it's no longer safe to assume that a college degree is the magic ticket that will kick-start a career. According to the Association of American... … [Read more...]

How to Become a Stay At Home Mom – Interview with Laura Harris

“Wee wee!! Higher mommy, higher!” Her cheeks almost shimmer with a reddish hue as she throws her head back and giggles with delight.It’s Sunday. You wish this moment could repeat itself day after day after day…but the reality is you’ve got to take your kiddo to daycare tomorrow. She’ll pout, whimper, and probably throw a tantrum again… All she wants in … [Read more...]