Credit cards are not the enemy

It is impulse buying and racking up credit card debt that are the enemy. They can be a great tool if used properly. There are pros and cons to everything but it matters how you use it, just as anything can be weapon if you try hard enough. There are a growing number of people Read More

Read here on how to save money on international transfer fees [Ad]

*This article contains affiliate links* Do you transfer money internationally on a regular basis and have to pay the banks a lot of money for a transfer. Of both fees to send and receive and in addition the wire-transfer fee. I am an expat and I regularly send money to the US from Sweden. At Read More

Are you eligible for a $20,000 payout? The Equifax breach settlement

I am not sure if many of you remember the Equifax breach, where millions of Americans information was impacted. A class-action settlement has been filed and submitted to the Court. Equifax denies any wrongdoing. A reader sent me this link below: https://www.equifaxbreachsettlement.com/ If you file a claim, by January 22, 2020, you might be eligible Read More

How to Harness the Power of Compounding Interest

Some of you will know what DR stands for, for those who do not know it is Dave Ramsey. Now, I know posting this is a bit crazy… since I know there are many die-hard fans out there. I do not dislike his baby steps but they do not work for me. As I mention Read More

7 things I cut out of my budget

Make-up. Now this one was very hard for me to do as I loved to do my make-up and try new looks. I had to do this one slowly because I also had to learn to not associated self-confidence with this. I still have mascara, concealer, and lipsticks, but I do not buy as often Read More

3 reasons to only use credit cards

Credit cards have received a bad reputation because of the high credit balances that many are struggling to pay off. However, if you do not feel the urge to make unnecessary big purchases, then a credit card is for you. The whole point, from the standpoint of the consumer, is to not rack up debt Read More

Debt Free Journey – Zero Waste

This is a hot-topic movement. Many millennials are living minimalist lives and are becoming conscious about how wasteful habits are affecting the environment. For instance, plastic bottles ending up in landfills and not being recycled properly. As a self- professed foodie, I realized that great food is something I am not willing to fully give Read More

Creating a budget is a stop on the way to financial freedom

Creating a budget has helped me to enjoy living in Stockholm. Having a budget tells you where your money is going, making it is less stressful. So you do not have to be screaming trying to figure out how to pay your rent because you spent too much money on avocado toast. So, I had Read More

Cash is not king

At least not in Sweden. All over the #debtfreecommunity Instagram tags I see the phrase ‘Cash is King.’ This stems from Dave Ramsey when he tells those following his baby steps to ditch credit and debit cards and only use cash. Especially since holding cash makes you feel more attached to your money and you Read More

What are the baby steps and should you do them?

Disclaimer: This post is a general overview of the baby steps and my opinions. It is not meant to replace Dave Ramsey’s books about the baby steps or financial peace university. I am not affiliated with Dave Ramsey or his companies. Some of you have heard of Dave Ramsey’s baby steps, which are a great Read More