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Kayla, we now have four college graduates – two more to go! I can say that the school choices affected the experiences that they were afforded and in that way, the school choice made a difference. Now, I also think that students are offered amazing experiences at many, many colleges and universities. It is all about taking advantage of the…[Read more]

My bachelors was definitely a, “who would give me the most grants,” pick when it came to choosing. My Master’s was a, “what school will accept me without having to take the GRE or pay an application fee.” The Master’s degree was in state but VERY expensive and while I definitely like the feeling of going to a prestigious school I can’t tell you…[Read more]

Not only saving but saving and letting it sit there. That’s the hardest part. I don’t know if I’ll be on this earth another 40 years but $179 a month is definitely achievable…

You go, lady! That’s awesome! I definitely hope to be able to retire early, although I still have a way to go. But given that I’m 26 and already saving a ton of money, I’m sure I”ll be in a much better position than most of my peers will be at that age. Just the thought of that makes me happy 🙂

Thanks so much, Stacey! I’ve never heard of a 529 account, so I’ll definitely have to look into that. We want to start as soon as possible, just trying to figure out the best place to do it 🙂

I think having a specific goal at the front of your mind at all times helps. Like, if I’m trying to save for a vacation, I’ll think “okay…do I go out to eat today, or do I put that money towards Disney?” That makes it a lot less easier to splurge on the non-essentials.

Antoinette, money used to burn a hole right through my pockets every time I had cash! It is just something that over time I have had to learn to resist. The thought of paying myself first – and making a deposit to a savings account, is what has helped me.

Kelby, you are right! Structure is so important in helping us stay on track.

I agree with a financial plan giving you confidence, but in addition to that, it provides me with structure. Having a significant amount of student loan (and various other consumer) debt, a financial plan gives me the structure necessary to dig myself out of it and one day experience financial independence. I credit my plan with helping me tackle…[Read more]

You’re right, Antoinette! I always try to avoid those “Free for X days/months” sales pitches because I have too much going on in my day-to-day to remember when to cancel them.

And yeah, those DIY projects can definitely add up. I blame Pinterest, though. LOL! If they wouldn’t make everything look so easy it wouldn’t even be a thought.

I would actually take your documents and sit with other financial advisers to get their opinion on the plan you have. Depending on their suggestions I would take those comments, concerns or questions to your advisor.

Thanks Kayla. I found a used car that I really like but I’m thinking about it. Not sure what I will choose but I really do like this car lol

That makes sense. I love that its helping her create income while paying down the mortgage.

I most certainly say no to free things when it comes to sales pitches. Its always tied to some form of package that you pay later or 30 days for free and then you end up paying when you forget to end the trial period. Its much less of a hassle. One in particular would have cost me $50 dollars had I not remembered to shut it off.

You know what…[Read more]