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Save money on your electric bill

How To Save Money On Your Electric Bill

It seems that over time electric bills will grow if you don’t pay attention to them.  We buy more devices, we slowly stop turning off lights and appliances when we leave the house and before we know it we are paying over a hundred bucks a month for electricity.  Over …

stack your money and act broke

Stack Your Money And Act Broke

The most important parts of personal finance are the simplest. Last week I came across this image on Facebook and fell in love with its simplicity.  Stack your money and act broke.  6 words, but a whole lot of power. I must be on the wrong track with writing 1,000 word …

*A 7% annualized rate of return was used to determine years to FI

How To Increase Your Savings Rate, and Why

There are three major factors that influence retirement savings; time frame, market returns, and your savings percentage.  By far the most crucial factor is your savings percentage.  The rule of thumb thrown around all the time is to save 10% to 15% of your income.  This may work if you …

Setting Up Betterment Account

Setting Up My Betterment Account

I finally signed up for a Betterment account earlier this month.  I’ve wanted to start one for a while, but I wanted to wait until I had enough cash flow and a solid enough bank buffer to be able to commit $100 per month, which gives me a lower fee …