Need new furniture? Check out the dumpster first

Or the recycling bins in your area. Other advice is to check out the nearby thrift or discount stores but nothing really beats free. A lot of great pieces get thrown out instead of sold or donated. This is especially true in college towns. Several stories of great items being thrown out are found in Read More

Investing during Baby Step 2?

*contains affiliate links* What is Baby Step 2? It is the second step to financial freedom, as written by Dave Ramsey. In this step, you prioritize debt payoff and cut your spending, investing, etc…to nearly 0. However, there are some nuances to it that he does not adhere to, particularly that it does not work Read More

What is dividend investing and how can you do it?

Disclaimer: *This article may contain affiliate links* I’m not a licensed investment advisor. Also, I’m not a tax advisor and this is NOT tax advice. Please talk to a licensed investment advisor before making any financial decisions. Please talk to a licensed tax advisor before making any tax decisions.   What is investing? Investing means Read More

The simplest budget ever

I know there are a lot of budgeting apps, books, methods available on the market but I am here to tell you that you do not really need those. You can do it by dividing your paycheck into percentages. It is like following a budget but in reality, it is more freeing than some budgets. Read More

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

We didn’t stoke the flame, but we started the FIRE

As I have written before FIRE is ‘financial independence, retire early.’ However, why do people pursue this? What are the reasons? Dave Ramsey always says ‘Live like no one else, so you can live like NO ONE else.’ While he is best known for his advice on becoming debt-free, his methods and mentality are also 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

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

The Financial Diet

Just like when trying to lose weight, the relationship with food has to change. Meaning your lifestyle has to change. The same thing happens when paying off debt or reaching FIRE. All the extra and unimportant things must be cut off or at least cheaper options found. Once your cost-of-living is decreased, you can start 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