If you have money invested in stocks, you could make yourself a very low interest rate personal loans. When I went back to school for my graduate degree in Accounting and Finance Management, the interest rate on Federal student loans for graduate students was about 6.6%. One alternative to taking out these loans would be … Continue reading Never Pay Interest On Student Loans Again

Buying food is one of the few spending areas that is a necessity. Many other expenses are at best a comfort and at worst frivolous or harmful. So we know that no matter how much we flex our frugal muscles, we will still need to buy food, but how can we minimize this expense while … Continue reading Mastering Your Food Budget

It has been a year since I started bike commuting and there are many lessons that I learned the hard way. Unfortunately, I didn’t find a good mentor to guide me through the process, so I made several mistakes. If I started over again, I would start with a higher quality bike with Shimano 105 … Continue reading Hacking Transportation Series- What I’ve Learned After One Year Bike Commuting

It can be difficult to save when you think being wealthy is evil. You will likely start to sabotage your efforts and make your life difficult if you continue to believe being wealthy is evil even subconsciously. There are many movies and stories that portray the rich person as evil. Mr. Burns, the Scrooge, Lex … Continue reading Is Being Wealthy Evil?