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Overwhelmed by debt? Want to make investing a breeze? The goal of this site is to help you get out of debt and start investing for your future. If you are unsure where to start, click here to begin. I will break everything down for you in small, obtainable steps so that you can take control of your finances once and for all.

Are You A Saver Or A Spender? (Infographic)

by Jon Dulin on October 20, 2014 · 7 comments

Do you know how much more likely a saver is to have a high interest savings account or what the average spender would never cut back on? By understanding the differences between savers and spenders, you can get a better idea of where you fall and what you can start working on to be a better saver (assuming you are a spender).

All of this information is presented in this cool infographic below. So where do you fall? Are you a saver or a spender? Do you agree with the statistics?
Savers Vs Spenders Infographic by Newcastle Permanent Building Society


reverse mortgages

Does A Reverse Mortgage Fit Into Your Retirement Plans?

It’s no surprise that the majority of Americans aren’t good at saving for retirement. Many Baby Boomers are waking up to the realization that they are going to have to work much longer in order to afford retirement or possibly not even retire at all. If you are in this predicament, do you have any options other than not retiring? The answer is yes: you can consider taking out a reverse mortgage. In fact, reverse mortgages should play a role […]Read the full article...

hole in ground

How To Dig Out Of Credit Card Debt

If you have been reeling under the burden of huge credit card debt, then you probably don’t need to be told how easy it is to amass debt and how incredibly difficult it can be to get out of it. When overwhelmed by debts you have no idea how to pay back, the first step is not to panic. The second and more important step is to sit down and work out a clear strategy. Once you get a handle […]Read the full article...

become rich

The Simplest Way Ever To Become Rich

What if I told you there was a simple way to become rich? Would you be interested? What if I told you that it would only take you 10 minutes max to do and you would only have to do it one time? Some of you might be getting excited while others now think I am full of it. But what if I told you that the government, mutual fund companies, the rich and many of the companies you deal […]Read the full article...

wedding rings

Carnival of Financial Planning – Wedding Edition

Welcome to this week’s installment of the Carnival of Financial Planning! This weeks edition is the wedding edition since I’ve been to my fair share of weddings this year and this weekend is the last one for a while. So while I am out on the dance floor making all the girls swoon, you can enjoy some great personal finance blog posts from the past week. Let’s get started!! BUDGETING AND ECONOMICS Gretchen @ Retired By 40 writes September & […]Read the full article...

automatic etf investing service cuts fees

Breaking News!! Schwab To Take On Betterment, Wealthfront

I just read a story on Reuters that is blowing my mind. Apparently, Schwab is a few weeks away from offering an automated ETF investing service, or robo-investing service, that is along the same lines of what Betterment, Wealthfront, and the other new automatic ETF investing services offer. So why is this big news? Two reasons: First, Schwab is the first large discount broker to be going down this road. (I’ll go into more detail about this below) Second, according […]Read the full article...


Pitfalls of Refinancing

Interest rates are still relatively low, which means it could make sense to refinance if you have a high interest rate on your home. For my wife and I, we are toying with this idea as we speak. Our current house has a fixed rate of 5.375%. Historically, this is a decent rate. But if we were to refinance, we could drop the interest rate by a full percent or more. The question is, is the lower rate (and potential […]Read the full article...

Save Money on Life Insurance

Ways To Save Money On Life Insurance

There are as many ways to save on life insurance as there are policies to meet your needs. Anybody who has applied for a life insurance policy knows that all companies care about is mortality risk, and your mortality risk is determined by your age, health, family medical history, occupation, and general lifestyle choices. Fortunately, each insurance carrier calculates risk just a bit differently; some basic research and comparison shopping should help you determine which company is offering the best […]Read the full article...

tradeking review

TradeKing Review: Is This Your Online Broker?

Welcome back to another review of the various online brokers at your disposal when investing. Today I am going to talk about TradeKing and whether or not it makes sense for you to consider investing your money with them. Below you will learn about the features and benefits of TradeKing and where I think it lacks compared to other online brokers. As always, you can check out my online broker comparison chart for in-depth information about all of the brokers […]Read the full article...

no credit cards

4 Things You Shouldn’t Buy With Your Credit Card

Ah, plastic money. Everyone seems to have one in their wallet nowadays. That’s because when you simply don’t have the cash, you can pay for your purchases at a later date. They’re convenient and safer to carry around, especially when you go shopping. However, with great credit card power comes responsibility as well. There are things you shouldn’t buy using one as they can lead to big financial mistakes. Here are four. Items Not To Buy With Your Credit Card […]Read the full article...