Looking back to the time when I just graduated from college, it’s simply amazing how little I knew about personal finance. I lacked the fundamental understanding of basic financial concepts, such as, budgeting, cash flow, credit, investing, etc. Frankly, I’m surprised I made it this far and has done this well.
But I was lucky.
Although I had no idea what I was doing, I was determined to get rid of my student loan and credit card debt — and all I did for the first two years. I lived a very frugal lifestyle and didn’t spend money on anything. Most of my paychecks went toward paying off these two debts.
However, that’s not how it should have been.
Ideally, I should have learned something while I was in high school or college — unfortunately, they don’t teach this essential life skill.
I write about things that have (and haven't) worked to improve my family's financial situation. What works for me may or may not work for you, and you should always consult a financial advisor before making important financial decisions.
In accordance with FTC guidelines, I state that I have a financial relationship with companies mentioned in this website. This may include receiving access to free products and services for product and service reviews and giveaways.
Any references to third party products, rates, or websites are subject to change without notice. I do my best to maintain current information, but due to the rapidly changing environment, some information may have changed since it was published. Please do the appropriate research before participating in any third party offers.