Why FIRE, Why Debt Freedom. Why?

What is my ‘why?’ I was fifteen when my island was ravaged by 4 hurricanes in a row. Ruining the crops and further crippling the tourism industry. Then, I came of age in 2008. These two events in my life were a wake-up call. My ‘2008’ had happened years earlier so by the time the 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

Debt Free Journey – Minimalism

The debt free journey can play a little into becoming minimalist. The main idea about being minimalist is not to have empty rooms or an empty house but to fill it with only the things you need or make you happy. If clutter and having too many items makes you feel stressed then the move 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

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

The importance of financial literacy – 5 reasons

April is ‘Financial Literacy’ month. This is to spread awareness of the importance of this issue. It is the possession of a set of skills and knowledge that will allow an individual to make effective decisions on their fiances. Some of you might be thinking – ‘Well, why is it important?’ You are right, why Read More

5 financial habits of early retirees

Have you ever wondered what it takes to retire early? Remember, retiring early does not mean 30 years old. Even retiring at 50 is retiring early. Since the retirement age is sometime after 60. Since any age before 60 is retiring early, anyone on just about any income can do it. Have little to no Read More