Ready to be a First Time Home Buyer? Here’s What You Need to Know

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First Time Home Buyer

If you’re finally ready to make probably the biggest financial move of your adult life and buy a home, then CONGRATULATIONS!

This is one the most exciting (and scary) adventures of being an adult.

Start here to help you along the way and make sure your finances are in-line and where you need them to be. Start your journey with these seven important steps:

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7 Ways Minimalism Puts Money Back in Your Pocket

You may think minimalism is about having hardly any possessions and living in a bare-walled house…but that is not exactly it. Minimalism is mainly about focusing and reorganizing your goals, priorities, and pursuits.

 

This does usually include owning less stuff, because too much stuff just gets in the way and clutters our lives. The accumulation of stuff often invokes a never-ending cycle of wanting more and buying more and never being satisfied with what we have.

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How I Cut the Cord & Save Over $160 Every Month

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I easily cut over $160 from my monthly expenses by eliminating only one bill.

How? I Cut the Cord!

The price of cable is astronomical nowadays! At one point, it was costing over $200/month for a bundle package of cable and internet.

Realistically, cable and satellite TV have way too many channels for most people to ever find time to watch. I feel like it’s just a tremendous waste of money (and time) overall.

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Minimalism is Good for Your Soul…and Your Wallet

If you haven’t heard, the new fad and buzz word is minimalism.

Thanks to the documentary on Netflix, “Minimalism: A Documentary About the Important Things”, more and more people are discovering this revolutionary concept and lifestyle.

But minimalism isn’t really some strict, inflexible, radical lifestyle or cult. It’s a simple tool to incorporate into your lifestyle. The core of minimalism is learning to live more with less.

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Retirement: Roth vs. Traditional IRA

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

Today I want to discuss IRAs. If you have not heard of them, they are an awesome retirement option for Millennials to utilize.

An IRA is an individual retirement account. Individually, you can put $5,500 per year into a Roth or Traditional IRA. With a Roth IRA, you contribute money after you’ve paid taxes on it and then your money grows tax-free. That’s actually a really awesome deal and usually the best investment option for Millennials. In a Traditional IRA, you put money in before you pay taxes on it. In addition, you can usually deduct this contribution from your taxes if you don’t already have a retirement plan at work or if you make less than $71,000 a year.

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DIY House Projects – Bathroom Cabinet Edition

I bought my condo in 2015 and I was not in-love with any of the cabinets in the bathrooms and kitchen (same throughout). So, I decided the most cost-effective way to change them would be to paint them.

I started with the spare bathroom first, mainly because if I screwed up no would see there is less square footage of cabinets in there.

I bought Giani Nuvo kit in Titanium White. I absolutely love white cabinets – I think they are so timeless.

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