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	<title>SUM180 | Josh Johnson - Ambassador | Activity</title>
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				<title>Josh Johnson - Ambassador started the topic Paying Off Credit Card Debt in the forum Manage your debt</title>
				<link>https://community.sum180.com/forums/topic/paying-off-credit-card-debt/</link>
				<pubDate>Fri, 09 Mar 2018 17:59:48 -0800</pubDate>

									<content:encoded><![CDATA[<p>Going into the new year it was a goal of mine to consolidate debt and work to pay off my credit cards one at a time. I&#8217;m down to three with balances, two of which are my travel cards which I use every month to book travel from flights to hotels and cars so their balances will always be coming and going. The third though.. one that I&#8217;ve been&hellip;<span class="activity-read-more" id="activity-read-more-1925"><a href="https://community.sum180.com/forums/topic/paying-off-credit-card-debt/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador started the topic Buying A Home While Self-Employed in the forum Buy a house</title>
				<link>https://community.sum180.com/forums/topic/buying-a-home-while-self-employed/</link>
				<pubDate>Fri, 09 Mar 2018 17:56:09 -0800</pubDate>

									<content:encoded><![CDATA[<p>Making the big jump, finally, after my lease is up this summer and beginning the process of purchasing my first home. I know that even signing a lease for a new apartment while self-employed can be a little arduous as you can&#8217;t show guaranteed income. So I can only imagine how much more strenuous this process will be when it comes to buying a home&hellip;<span class="activity-read-more" id="activity-read-more-1924"><a href="https://community.sum180.com/forums/topic/buying-a-home-while-self-employed/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador replied to the topic Renting vs owning a car in the forum Manage your debt</title>
				<link>https://community.sum180.com/forums/topic/renting-vs-owning-a-car/#post-6387</link>
				<pubDate>Sun, 21 Jan 2018 18:15:50 -0800</pubDate>

									<content:encoded><![CDATA[<p>I&#8217;ve been leasing a car for almost 3 years now, and I love it &#8211; personally. But I&#8217;m also self employed and able to write a portion of that off on my taxes because I travel often for work! I&#8217;d check with your CPA to see which option may benefit you more in the long run. Just be aware that if you drive tons for work, especially long distance, that&hellip;<span class="activity-read-more" id="activity-read-more-1848"><a href="https://community.sum180.com/forums/topic/renting-vs-owning-a-car/#post-6387" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador replied to the topic Is a Cash-out Refinance a Good Idea? in the forum Manage your debt</title>
				<link>https://community.sum180.com/forums/topic/is-a-cash-out-refinance-a-good-idea/#post-6386</link>
				<pubDate>Sun, 21 Jan 2018 18:14:44 -0800</pubDate>

									<content:encoded><![CDATA[<p>I know some friends that have done this when they sold a previous house and bought a new one! They were then able to invest the money from that cash out into things they needed for the new home, like a roof and new furniture. </p>
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				<title>Josh Johnson - Ambassador replied to the topic Savings Challenges For The New Year in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/savings-challenges-for-the-new-year/#post-6385</link>
				<pubDate>Sun, 21 Jan 2018 18:13:55 -0800</pubDate>

									<content:encoded><![CDATA[<p>Love the idea of this! Definitely going to have to look into it. I&#8217;ve for sure saved money from being on Whole30, but that&#8217;s just a by product of everything else I&#8217;m doing. </p>
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				<title>Josh Johnson - Ambassador replied to the topic Making saving sexy in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/making-saving-sexy/#post-6384</link>
				<pubDate>Sun, 21 Jan 2018 18:12:14 -0800</pubDate>

									<content:encoded><![CDATA[<p>I&#8217;m definitely not the best at saving! But I find that inadvertent saving, like being on Whole30, has been a great way for me to save more than usual and allow me to make bigger purchases to outfit my house and things of that nature. Where as before I was spending the money on foods and drinks when I have plenty of food and drinks at home!</p>
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				<title>Josh Johnson - Ambassador started the topic Gym Memberships in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/gym-memberships/</link>
				<pubDate>Sun, 21 Jan 2018 17:59:09 -0800</pubDate>

									<content:encoded><![CDATA[<p>In line with my last post about Whole30 I also joined a gym at the beginning of the year, and while there are definitely cheaper options, like running outdoors for free, but I&#8217;m loving the group mentality of going to the YMCA. </p>
<p>I&#8217;ve actually sold several friends on the idea because of the added value of a membership at a Y. Our Downtown location&hellip;<span class="activity-read-more" id="activity-read-more-1844"><a href="https://community.sum180.com/forums/topic/gym-memberships/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador replied to the topic Whole30 Savings in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/whole30-savings/#post-6381</link>
				<pubDate>Sun, 21 Jan 2018 17:54:07 -0800</pubDate>

									<content:encoded><![CDATA[<p>Couldn&#8217;t agree more Kathryn! It&#8217;s been such a great journey so far. Can&#8217;t wait to see how the next few weeks go. </p>
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				<title>Josh Johnson - Ambassador replied to the topic Is Couponing Worth It? in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/is-couponing-worth-it/#post-6334</link>
				<pubDate>Thu, 18 Jan 2018 16:38:03 -0800</pubDate>

									<content:encoded><![CDATA[<p>Coupons, no not in my opinion. But checking the sales for local grocery stores before heading out to shop? For sure! </p>
<p>My friends and I are on Whole30 right now, and we check the ads for all our frequent grocery stops to see where we can pick up staples for cheaper. </p>
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				<title>Josh Johnson - Ambassador started the topic Whole30 Savings in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/whole30-savings/</link>
				<pubDate>Thu, 18 Jan 2018 16:36:25 -0800</pubDate>

									<content:encoded><![CDATA[<p>In typical New Years&#8217; fashion I took on a new diet at the begin of the year, Whole30, and so far it&#8217;s been one of the best decisions of my life. Not only for losing weight (which has definitely happened), but for a multitude of reasons. Like challenging and changing my relationship with food, as well as helping me saving some serious dough as I&#8217;m&hellip;<span class="activity-read-more" id="activity-read-more-1840"><a href="https://community.sum180.com/forums/topic/whole30-savings/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador replied to the topic Capsule Wardrobe - Saving Money By Not Buying Tons Of Clothes in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/capsule-wardrobe-saving-money-by-not-buying-tons-of-clothes/#post-6155</link>
				<pubDate>Mon, 08 Jan 2018 21:32:46 -0800</pubDate>

									<content:encoded><![CDATA[<p>Couldn&#8217;t agree with this idea more! Such a great concept, and I do the same myself. I think my years in retail made that habit a little easier. </p>
<p>I cut down to basics every season as the weather changes and donate everything I don&#8217;t wear/need to a shelter in my area. </p>
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				<title>Josh Johnson - Ambassador started the topic Year of Intention in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/year-of-intention/</link>
				<pubDate>Mon, 08 Jan 2018 21:29:42 -0800</pubDate>

									<content:encoded><![CDATA[<p>I attended my first yoga class in MONTHS this weekend, and afterwards stuck around for a meditation portion. Because after the crazy year I had last year I know that setting myself up for success in 2018 is of paramount importance. </p>
<p>We started off the meditation class by the instructor asking every attendee to choose a word for their year. No&hellip;<span class="activity-read-more" id="activity-read-more-1814"><a href="https://community.sum180.com/forums/topic/year-of-intention/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador started the topic Do Sales Make It Worth it? in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/do-sales-make-it-worth-it/</link>
				<pubDate>Mon, 27 Nov 2017 17:09:30 -0800</pubDate>

									<content:encoded><![CDATA[<p>I&#8217;ve spent many, many a year working in retail. Even after all those years I&#8217;m still not the biggest sale shopper. Even with Black Friday + Cyber Monday deals looming I made a few purchases that I could&#8217;ve saved a few bucks on earlier in the week because I honestly didn&#8217;t even think about the sales until after the fact. </p>
<p>Something else I&#8217;ve also&hellip;<span class="activity-read-more" id="activity-read-more-1724"><a href="https://community.sum180.com/forums/topic/do-sales-make-it-worth-it/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador started the topic Self-Employment Options in the forum Save for retirement</title>
				<link>https://community.sum180.com/forums/topic/self-employment-options/</link>
				<pubDate>Mon, 27 Nov 2017 17:04:32 -0800</pubDate>

									<content:encoded><![CDATA[<p>Well, I&#8217;ve been self-employed for almost 3 years now (boy, time flies whenever you&#8217;re too busy to realize what is actually going on), and it&#8217;s been full of great and amazing times. But also has had its fair share of struggles and challenges. Namely, money issues. Cash flow is never the best whenever you&#8217;re first joining the self-employment&hellip;<span class="activity-read-more" id="activity-read-more-1723"><a href="https://community.sum180.com/forums/topic/self-employment-options/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador replied to the topic I Asked for Bills to Be Paid for Christmas in the forum Manage your debt</title>
				<link>https://community.sum180.com/forums/topic/i-asked-for-bills-to-be-paid-for-christmas/#post-5230</link>
				<pubDate>Mon, 27 Nov 2017 17:01:46 -0800</pubDate>

									<content:encoded><![CDATA[<p>Hah, my parents asked me what I wanted yesterday for Christmas and this SERIOUSLY came at the top of the list. That and a few high tickets items like furniture pieces for my new apartment. I think it&#8217;s  great idea! And it&#8217;s something you actually need not want. </p>
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				<title>Josh Johnson - Ambassador replied to the topic Rate Shopping for Your Savings in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/rate-shopping-for-your-savings/#post-5229</link>
				<pubDate>Mon, 27 Nov 2017 17:00:26 -0800</pubDate>

									<content:encoded><![CDATA[<p>Wasn&#8217;t ever a rate shopper until recently, but it&#8217;s definitely something I&#8217;m paying more and more attention to as I get older! You are right though, it&#8217;s hard to find a good one. </p>
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				<title>Josh Johnson - Ambassador replied to the topic Officially Unsubscribing From Promotional Emails in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/officially-unsubscribing-from-promotional-emails/#post-5228</link>
				<pubDate>Mon, 27 Nov 2017 16:59:39 -0800</pubDate>

									<content:encoded><![CDATA[<p>I think this is a great idea! I&#8217;m way too guilty of clicking through and purchasing things that I get in email that I in no way/shape/form actually need or really wanted until I saw it come through my inbox. </p>
<p>Love that the new iOS offers a super easy way to unsubscribe from these emails directly from your inbox!</p>
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				<title>Josh Johnson - Ambassador started the topic Splitting The Bill in the forum Manage your debt</title>
				<link>https://community.sum180.com/forums/topic/splitting-the-bill/</link>
				<pubDate>Mon, 27 Nov 2017 16:58:23 -0800</pubDate>

									<content:encoded><![CDATA[<p>I&#8217;ve been on the road with a few friends quite a bit lately and being the planner that I am I like to handle the majority of reservations, whether that be for a rental car or a restaurant. Because of that I&#8217;m more often than not the one also that ends up putting it on his credit card. Which I don&#8217;t mind to do at all (hello rewards credit cards!),&hellip;<span class="activity-read-more" id="activity-read-more-1719"><a href="https://community.sum180.com/forums/topic/splitting-the-bill/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador started the topic Top Money Wasters in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/top-money-wasters/</link>
				<pubDate>Fri, 27 Oct 2017 20:01:45 -0800</pubDate>

									<content:encoded><![CDATA[<p>My top money wasters include things like all too frequent trips to coffee shops, ordering that second round of food (that I don&#8217;t really need), and over the top purchases on iTunes late at night. Hey, I enjoy watching movies from the comfort of my couch a little too often. </p>
<p>But as I begin to work with a new accountant I realize how MUCH money I&hellip;<span class="activity-read-more" id="activity-read-more-1664"><a href="https://community.sum180.com/forums/topic/top-money-wasters/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador started the topic Travel Costs in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/travel-costs/</link>
				<pubDate>Fri, 27 Oct 2017 19:59:07 -0800</pubDate>

									<content:encoded><![CDATA[<p>I love, love, love to travel. It&#8217;s when I feel the most at home (oddly enough), and it helps me find my creativity all over again. But at the end of the day it&#8217;s also a stressor because of the costs associated it with it. </p>
<p>I frequent travel bargain sites like TravelZoo or Groupon and always keep an eye on airlines for sales, but at the end of the&hellip;<span class="activity-read-more" id="activity-read-more-1663"><a href="https://community.sum180.com/forums/topic/travel-costs/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador replied to the topic Cash Flow Budgeting in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/cash-flow-budgeting/#post-4165</link>
				<pubDate>Fri, 27 Oct 2017 19:45:02 -0800</pubDate>

									<content:encoded><![CDATA[<p>I&#8217;ve never heard of this, but I love the idea of it!</p>
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				<title>Josh Johnson - Ambassador replied to the topic Reducing The Costs Of Celebrations + Parties in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/reducing-the-costs-of-celebrations-parties/#post-4164</link>
				<pubDate>Fri, 27 Oct 2017 19:44:39 -0800</pubDate>

									<content:encoded><![CDATA[<p>I salute all you parents! Because I can&#8217;t even imagine paying for myself + a spouse and kiddos. </p>
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				<title>Josh Johnson - Ambassador replied to the topic If you can&#039;t buy three, you shouldn&#039;t buy one in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/if-you-cant-buy-three-you-shouldnt-buy-one/#post-3987</link>
				<pubDate>Thu, 19 Oct 2017 17:18:19 -0800</pubDate>

									<content:encoded><![CDATA[<p>Never heard of this mindset, but it definitely makes sense! </p>
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				<title>Josh Johnson - Ambassador started the topic Co-Working Spaces in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/co-working-spaces/</link>
				<pubDate>Thu, 19 Oct 2017 17:17:10 -0800</pubDate>

									<content:encoded><![CDATA[<p>I worked at a co-working space for about a year right after I left my full-time job for the freelance life, and I had a love/hate relationship with it so I ended up leaving rather quickly. I checked out another co-working space yesterday and love the community/environment. My productivity was much higher than usual, and I left feeling very&hellip;<span class="activity-read-more" id="activity-read-more-1655"><a href="https://community.sum180.com/forums/topic/co-working-spaces/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador replied to the topic Money Saving Travel Tips Needed! in the forum Manage your debt</title>
				<link>https://community.sum180.com/forums/topic/money-saving-travel-tips-needed/#post-3823</link>
				<pubDate>Mon, 09 Oct 2017 02:22:51 -0800</pubDate>

									<content:encoded><![CDATA[<p>I&#8217;ve got no advice, but here to say that I&#8217;m right there with you! I want to eat everything in sight when I&#8217;m traveling.</p>
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				<title>Josh Johnson - Ambassador replied to the topic Retail Arbitrage in the forum Manage your debt</title>
				<link>https://community.sum180.com/forums/topic/retail-arbitrage/#post-3809</link>
				<pubDate>Sat, 07 Oct 2017 10:34:06 -0800</pubDate>

									<content:encoded><![CDATA[<p>I&#8217;ll admit to being new to this concept, but I think once you figure out the ins/outs of the process it could definitely pay off. eBay to the rescue! </p>
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				<title>Josh Johnson - Ambassador started the topic Living Outside Means in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/living-outside-means/</link>
				<pubDate>Sat, 07 Oct 2017 10:32:50 -0800</pubDate>

									<content:encoded><![CDATA[<p>We&#8217;ve all done it at least once, at least I hope i&#8217;m not alone, in buying a car that&#8217;s a little outside our price range or getting an apartment that&#8217;s a little bigger than we actually need. Why? Because we think it&#8217;s what we need, but at the end of the day what we really need is stability. And living outside our means definitely does not provide&hellip;<span class="activity-read-more" id="activity-read-more-1627"><a href="https://community.sum180.com/forums/topic/living-outside-means/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador started the topic Keeping Up With Joneses in the forum Manage your debt</title>
				<link>https://community.sum180.com/forums/topic/keeping-up-with-joneses/</link>
				<pubDate>Sat, 07 Oct 2017 10:30:52 -0800</pubDate>

									<content:encoded><![CDATA[<p>It&#8217;s a tale as old as time, and it&#8217;s as alive today as it ever has been. Keeping up with Joneses, especially in the social media age, is going nowhere fast. Working in the social media industry makes it even worse for me. Wanting to always have the latest iPhone, best camera, and go on the best, most exciting trips &#8211; all for the good content, of&hellip;<span class="activity-read-more" id="activity-read-more-1626"><a href="https://community.sum180.com/forums/topic/keeping-up-with-joneses/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador replied to the topic Pay Yourself First in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/pay-yourself-first/#post-3746</link>
				<pubDate>Thu, 28 Sep 2017 15:09:26 -0800</pubDate>

									<content:encoded><![CDATA[<p>Love this idea! And yes, I couldn&#8217;t agree more. It&#8217;s definitely important to do that, even if it&#8217;s just for the gratification of actually reaping the rewards of what you&#8217;ve worked so hard for. </p>
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				<title>Josh Johnson - Ambassador started the topic Diversification in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/diversification/</link>
				<pubDate>Thu, 28 Sep 2017 15:08:11 -0800</pubDate>

									<content:encoded><![CDATA[<p>If there&#8217;s one thing I could tell my former self, before I jumped on the self-employed wagon, it would be to diversify my streams of income. The first couple of months, actually close to a year, were a little rough because I only focused on one revenue stream. Meaning that I wasn&#8217;t living up to my full potential because I had pigeonholed myself&hellip;<span class="activity-read-more" id="activity-read-more-1604"><a href="https://community.sum180.com/forums/topic/diversification/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador replied to the topic Staying Healthy Saves Money in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/staying-healthy-saves-money/#post-3615</link>
				<pubDate>Fri, 15 Sep 2017 18:57:58 -0800</pubDate>

									<content:encoded><![CDATA[<p>Couldn&#8217;t agree more with this! While eating healthy and staying on top of your health and wellness may seem expensive. It&#8217;s definitely a lot cheaper than having to pay outrageous medical bills. </p>
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				<title>Josh Johnson - Ambassador started the topic Charitable Donations in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/charitable-donations/</link>
				<pubDate>Fri, 15 Sep 2017 18:56:43 -0800</pubDate>

									<content:encoded><![CDATA[<p>I just participated in a local event yesterday dubbed #GiveForGoodLou where several organizations around town used grassroots efforts to attempt to raise money, meet goals, and share their message. </p>
<p>While I had several friends involved in more than a handful of the organizations involved I only chose to donate to two of them. Money, after all,&hellip;<span class="activity-read-more" id="activity-read-more-1571"><a href="https://community.sum180.com/forums/topic/charitable-donations/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador replied to the topic My New Apartment Wish List in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/my-new-apartment-wish-list/#post-3613</link>
				<pubDate>Fri, 15 Sep 2017 18:52:04 -0800</pubDate>

									<content:encoded><![CDATA[<p>I love this idea, and while I&#8217;ve never made a wishlist like this I may just need to give it a go. Thanks for sharing, Antoinette!</p>
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				<title>Josh Johnson - Ambassador started the topic Cryptocurrencies in the forum Build your investments</title>
				<link>https://community.sum180.com/forums/topic/cryptocurrencies/</link>
				<pubDate>Fri, 15 Sep 2017 18:43:36 -0800</pubDate>

									<content:encoded><![CDATA[<p>I&#8217;ve been doing a lot of reading lately about the hype of cryptocurrencies (Bitcoin, Litecoin, etc.), and have to admit that I&#8217;m taking the leap and trying my hand at. I mean, why not, right? </p>
<p>Based on the growth of Bitcoin it looks like the industry is headed upward, and while I&#8217;m not ready to take the plunge and buy Bitcoin as each share of it&hellip;<span class="activity-read-more" id="activity-read-more-1569"><a href="https://community.sum180.com/forums/topic/cryptocurrencies/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador replied to the topic Anyone Else Love Using Savings Apps Like Ebates + Ibotta? in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/anyone-else-love-using-savings-apps-like-ebates-ibotta/#post-3506</link>
				<pubDate>Fri, 01 Sep 2017 20:21:20 -0800</pubDate>

									<content:encoded><![CDATA[<p>I&#8217;ve not used either of those, but I do love Acorns! It automatically rounds up purchases (like .94 to 1.00) and then puts that into a separate account for me. I&#8217;m the worst at having a saving&#8217;s account so this works amazingly well for me!</p>
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				<title>Josh Johnson - Ambassador started the topic Its The Little Things in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/its-the-little-things/</link>
				<pubDate>Fri, 01 Sep 2017 20:20:15 -0800</pubDate>

									<content:encoded><![CDATA[<p>After looking over my expenses from August it&#8217;s clear to me that the little things, like picking up the tab for drinks or dinner with friends or even my morning coffee runs, are what add up SO quickly. But at the same time, in my field (lifestyle blogger) I have to be out and about doing things, otherwise I have nothing to post and/or talk about.&hellip;<span class="activity-read-more" id="activity-read-more-1536"><a href="https://community.sum180.com/forums/topic/its-the-little-things/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador replied to the topic Creative Ways to Bring in Income in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/creative-ways-to-bring-in-income/#post-3504</link>
				<pubDate>Fri, 01 Sep 2017 20:17:32 -0800</pubDate>

									<content:encoded><![CDATA[<p>Woof, after several years in retail management in big box stores I could never imagine doing it again, but working part time for a small, local business for the holiday could be enjoyable! </p>
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				<title>Josh Johnson - Ambassador started the topic Working Smarter, Not Harder in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/working-smarter-not-harder/</link>
				<pubDate>Fri, 01 Sep 2017 20:13:20 -0800</pubDate>

									<content:encoded><![CDATA[<p>Being self-employed I know the importance of a rainy day fun more than anyone, or I guess I should say that I SHOULD know about it more than anyone else. But I&#8217;ll be the first to admit that I have the hardest time saving money or putting money aside for those rainy days and/or slow months that may come my way. </p>
<p>For the rest of the year I&#8217;m doing&hellip;<span class="activity-read-more" id="activity-read-more-1534"><a href="https://community.sum180.com/forums/topic/working-smarter-not-harder/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador replied to the topic I Said Bye to Subscription Services in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/i-said-bye-to-subscription-services/#post-3359</link>
				<pubDate>Thu, 17 Aug 2017 17:35:35 -0800</pubDate>

									<content:encoded><![CDATA[<p>I had to admit how many subscriptions services I have anymore (including Tinder Plus, don&#8217;t judge), and it seriously adds up SO quickly. I&#8217;m about to cut the cord on a few of the video streaming subs I have. I literally think I have.. all but one anymore. Nobody needs that many, plus it&#8217;s way too easy to sit at home and binge watch every tv&hellip;<span class="activity-read-more" id="activity-read-more-1489"><a href="https://community.sum180.com/forums/topic/i-said-bye-to-subscription-services/#post-3359" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador started the topic Robinhood in the forum Build your investments</title>
				<link>https://community.sum180.com/forums/topic/robinhood/</link>
				<pubDate>Thu, 17 Aug 2017 17:31:25 -0800</pubDate>

									<content:encoded><![CDATA[<p>I&#8217;ve seen several friends posting a new investment app called Robinhood. Does anyone have any insight and/or advice on it? I&#8217;d love to get into the investment game, but I&#8217;ll be the first to admit that I zero idea where to start. </p>
<p>This apps, from what I can tell, completely simplifies the process and handles all the tough/nitty gritty things about&hellip;<span class="activity-read-more" id="activity-read-more-1488"><a href="https://community.sum180.com/forums/topic/robinhood/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador replied to the topic iTunes + Amazon Purchases Are Killing Our Budget in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/itunes-amazon-purchases-are-killing-our-budget/#post-3354</link>
				<pubDate>Thu, 17 Aug 2017 17:21:59 -0800</pubDate>

									<content:encoded><![CDATA[<p>Amazon is almost TOO easy to purchase from anymore! Especially since I have a card through them that&#8217;s directly linked to my banking account. I&#8217;m right there with you when I&#8217;m to the point of wanting to disconnect the cards!</p>
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				<title>Josh Johnson - Ambassador started the topic Experience vs. Possessions in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/experience-vs-possessions/</link>
				<pubDate>Thu, 17 Aug 2017 17:20:46 -0800</pubDate>

									<content:encoded><![CDATA[<p>Getting to the point in my life where I&#8217;m more concerned and interested in purchasing experiences vs. possessions. Being a self-employed person it can be hard to take the plunge and spend the money on a flight or a hotel, but at the end of the day I&#8217;m beginning to realize those are things I&#8217;ll never forget. Whereas a new gaming system or latest&hellip;<span class="activity-read-more" id="activity-read-more-1486"><a href="https://community.sum180.com/forums/topic/experience-vs-possessions/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador replied to the topic Does It Really Matter Where You Go To College? in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/does-it-really-matter-where-you-go-to-college/#post-3247</link>
				<pubDate>Fri, 04 Aug 2017 15:48:01 -0800</pubDate>

									<content:encoded><![CDATA[<p>I didn&#8217;t go to college whatsoever (minus a quick stint in business school) and am very successful in my field and living a well rounded happy life. I don&#8217;t think college is technically a good fit for everyone! </p>
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				<title>Josh Johnson - Ambassador started the topic Life Changes in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/life-changes/</link>
				<pubDate>Fri, 04 Aug 2017 15:45:36 -0800</pubDate>

									<content:encoded><![CDATA[<p>When it rains, it definitely pours. I&#8217;m going through some serious life changes, including a breakup, a big move, and an insanely jam-packed work schedule. I&#8217;ve been a lot better about watching my spending and focusing on saving for large experiences, like travel, but these last few months have been harder for me. Between buying new furniture,&hellip;<span class="activity-read-more" id="activity-read-more-1460"><a href="https://community.sum180.com/forums/topic/life-changes/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador started the topic Deciding On What To Invest In in the forum Build your investments</title>
				<link>https://community.sum180.com/forums/topic/deciding-on-what-to-invest-in/</link>
				<pubDate>Sun, 21 May 2017 06:05:57 -0800</pubDate>

									<content:encoded><![CDATA[<p>As a business owner I&#8217;m often times faced with the challenge of wondering what really is worth the investment. That conference that I go to every year, learn very little, but is a great chance to network? Is it REALLY worth the investment? Who knows. Certainly not me. But the funny thing about being your own boss is that you get to figure these&hellip;<span class="activity-read-more" id="activity-read-more-1267"><a href="https://community.sum180.com/forums/topic/deciding-on-what-to-invest-in/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador replied to the topic Making The Most Of A Pay Raise in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/making-the-most-of-a-pay-raise/#post-2665</link>
				<pubDate>Sun, 21 May 2017 05:58:23 -0800</pubDate>

									<content:encoded><![CDATA[<p>This is an amazing idea! And I wish I was better at saving, but I couldn&#8217;t agree more &#8211; more money is definitely a great chance to invest/save vs. splurge. </p>
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				<title>Josh Johnson - Ambassador replied to the topic Where to find money - really FOUND MONEY in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/where-to-find-money-really-found-money/#post-2664</link>
				<pubDate>Sun, 21 May 2017 05:57:18 -0800</pubDate>

									<content:encoded><![CDATA[<p>This is a great post AND resource! Thank you for sharing, definitely going to have to do some digging of my own now. </p>
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				<title>Josh Johnson - Ambassador replied to the topic Saving as a Couple in the forum My journey</title>
				<link>https://community.sum180.com/forums/topic/saving-as-a-couple/#post-2663</link>
				<pubDate>Sun, 21 May 2017 05:56:28 -0800</pubDate>

									<content:encoded><![CDATA[<p>Couldn&#8217;t agree more Carla! Can&#8217;t wait to hear how you guys play into the other&#8217;s strengths. </p>
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				<title>Josh Johnson - Ambassador started the topic Money Saving Apps in the forum Grow your savings</title>
				<link>https://community.sum180.com/forums/topic/money-saving-apps/</link>
				<pubDate>Sun, 21 May 2017 05:54:32 -0800</pubDate>

									<content:encoded><![CDATA[<p>I&#8217;ve always been the worst at saving money, and I&#8217;ve literally always been the kind of person with that &#8220;money burns a hole in my pocket&#8221; mentality. The older I&#8217;ve gotten the more I realize that needs to change, especially since I&#8217;m a self-employed person. But old habits definitely die hard! </p>
<p>Over the last couple of years though I&#8217;ve been trying&hellip;<span class="activity-read-more" id="activity-read-more-1263"><a href="https://community.sum180.com/forums/topic/money-saving-apps/" rel="nofollow">[Read more]</a></span></p>
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				<title>Josh Johnson - Ambassador replied to the topic Self-employed Retirement Plan in the forum Build your investments</title>
				<link>https://community.sum180.com/forums/topic/self-employed-retirement-plan-2/#post-2575</link>
				<pubDate>Wed, 03 May 2017 16:57:12 -0800</pubDate>

									<content:encoded><![CDATA[<p>As a business owner myself, this is something I&#8217;ve spent many a sleepless night contemplating. It&#8217;s good to know that there are actual options for someone like me and for self-employed people, everywhere.</p>
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