9 Millennial spending habits that are financial wastes

Financial waste is where money is not used intentionally. This is where money slips through the cracks of your budget. Figuring out where these cracks are will help your budget as every dollar/pound/euro/ will have a job. This is an updated version of the ones I have seen in the past. Especially since many people 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

5 simple ways to become zero-waste or minimalist and save money!

Reducing your carbon footprint and saving money do not appear to be a tandem team but they very well can be. Buy and sell second-hand goods. I can honestly make an entire post exclusively about this topic. However, the idea is that you sell the goods you are no longer using and instead of throwing 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

5 ways to increase your savings rate

When you are on the path to FIRE (if you do not know what FIRE is, here is a link) or on the path to financial independence, having a higher than normal savings rate can help kick start it. Zero-dollar based savings – This one is my all-time favorite. It is the easiest to keep 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

If there is not a WILL, there is a way

Disclaimer: This topic depends on the country or state you live in. So, I would first talk to an estate lawyer and a tax lawyer. I am neither but as a banker I was often given ‘free’ advice as to how to go around the necessity of a will if you do not have enough Read More