Using T-Mobile Internationally

 

 

U.S. cellular carriers are thankfully getting on board with our tendencies and desires to travel the world with our phones, laptops and tablets.

Gone are the days of outrageous pay-per-gigabyte rates, limited roaming carrier agreements and poor options from cell carriers. Now two of the big four U.S. carriers are offering some sort of free international roaming, with the other two coming around to friendlier pricing and fewer restrictions on data usage.

Even prepaid carriers are getting in on the action with some international calling plans. Continue reading “Using T-Mobile Internationally”

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What You Need to Know About Your 401(k) Fees

What You Need to Know About Your 401(k):

Your 401(k) Might Be Charging You High Fees and Severely Decreasing Your Returns

 

You may have already heard or read about both high-profile brokerage firms and employers, such as Edward Jones, Brown University, Delta Airlines, MIT, NYU and Yale, being sued by plan participants and employees for high fees in their 401(k) plans. 

Employees and plan participants are fighting back against high, exorbitant 401(k) fees, and recent lawsuits decisions have proven that the courts are beginning to side with them. Continue reading “What You Need to Know About Your 401(k) Fees”

Why You Need to Know Your Credit Score

Credit Sesame

 

A great credit score is what most of us aspires to. After all, a credit score is one of the important determining factors when it comes to borrowing money – and getting a low-interest rate when you do. If you ever plan to buy a car, a house, open a credit card, start a business, etc. you need to understand what a credit score is, what your personal credit score(s) is, and how it affects your personal finances.

 

Credit Scores

 

But trying to pin down a specific number that means your credit score is “good” can be tricky. After all, there are lots of different credit scores that lenders use when trying to decide your “risk level” and whether to grant you a loan.

 

How Do You Rate?

 

Most credit scores – including the FICO score and VantageScore 3.0 – operate within the range of 300 to 850. Within that range, there are different categories, from bad to excellent. They generally look like this: Continue reading “Why You Need to Know Your Credit Score”

6 Habits You Must Start Now to Achieve Financial Independence Later

Financial Independence

 

According to Wikipedia, financial independence is “the state of having sufficient personal wealth to live, without having to work actively for basic necessities”. Many of the things we do right now to improve our personal finances are meant to reach this ultimate goal in which we no longer have to worry about money and/or its source (ie working).

This is also synonymous, and a prerequisite, for retirement. Continue reading “6 Habits You Must Start Now to Achieve Financial Independence Later”

Destroying Your Student Loans with SoFi

Student loans can severely limit your ability to save money and build wealth during your younger adult years. Trust me, I know. I had $35,000 in student loan debt when I graduated from college with my BSN. Instead of trying to just manage my loan debt, I decided to destroy it and get rid of it as fast as possible.

I paid off my student loans in only 25 months! Continue reading “Destroying Your Student Loans with SoFi”

My Energy Bill is Under $50 This Month!

I am sure someone out there could easily beat me with a lower energy bill, but I am super excited that my bill came in under $50 this month.

It’s a grand total of $46.02. My gas and electric are combined into one bill. It was my goal to reduce energy costs this upcoming Spring and Summer and see how low I could get my energy costs.  Continue reading “My Energy Bill is Under $50 This Month!”

Ally Invest is Coming (and I Am So Excited)

This page may include affiliate links. I may get paid when you click on a link and buy a product/service, but at no extra cost to you.

Ally Invest

If you haven’t figured it out yet… I am in love with Ally Financial. You can read about why an Ally’s savings account can increase your wealth here.

I am completely and utterly excited about Ally Invest coming this month. Ally bought TradeKing last year (2016) and is now Ally Invest.

Ally Invest offers a wide selection of resources to help investors of all experience levels make the most of their investments, including advanced charting tools and numerous calculators”.

Continue reading “Ally Invest is Coming (and I Am So Excited)”

9 Red Flags You are Living Beyond Your Means

This page may include affiliate links. I may get paid when you click on a link and buy a product/service, but at no extra cost to you.

Can you afford your lifestyle?

Living beyond your means is very easy to do in our ultra-consumer, debt-driven society. All we have to do swipe a piece of plastic and go on to the next purchase. The days of using cash to pay for everything  is pretty much long gone, which makes reckless spending much easier. Additionally, social pressures are an overwhelming present contributing factor.

Here are 9 big red, warning signs that you are living beyond your means:

Continue reading “9 Red Flags You are Living Beyond Your Means”