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Should You Rent or Buy Your Next Place

Should You Rent or Buy Your Next Place

Whether to rent vs buy depends entirely on individual circumstances. Understanding that I’m squarely on the fence, let me share how we recently approached that age-old question. Rental property is a “side hustle” that I’ve been developing for a few years. Our initial condo was purchased with this intention in mind. After the birth of...

Advice to My Younger Self

Advice to My Younger Self

This post was originally posted in 2012. I’m doing the math and recognizing that a lot has change – even now. I could add to this list in droves. The point is, reflecting on past progress helps motivate you to continue to work towards current goals. What advice would you give to yourself three years...

The Problem with Payments

The Problem with Payments

Ask yourself, “Can I afford it?” Not, “Can I afford the payments?” I specifically remember voicing the second question as we pondered whether to purchase a timeshare. Seven years later – that is still the single worst transaction in my financial history. Seven years later and $100,000 lighter, I’m convinced that focusing on paying payments...

Payments Hinder Prosperity

Payments Hinder Prosperity

Repeat after me! PAYMENTS KEEP ME FROM  PROSPERING! Joking aside, it’s time to consider total purchase price for non-appreciating items and not how payments fit into your budget. Can you pay cash for that outfit, computer, furniture, vacation or car? No? Then you cannot afford it. Step off of the financing treadmill so you can...

Giving While in Debt

Giving While in Debt

Here’s a question. While working feverishly to dump your debt, does it make sense to give money to charitable causes? In a word, Yes! I have two trains of thought on the subject. Let’s discuss. Spiritual Perspective We continuously budgeted our tithe throughout the debt elimination process. When speaking of the tithe (or 10%), from...