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savings

My Wealth Building Journey

The first several years of becoming an adult I struggled like hell with money.  For the most part it just seemed like I couldn’t get ahead. Every year I ran into large unexpected expenses which kept me from being able to build any wealth.  At the same time I was …

How To Brave The Black Friday Crowds

Every year around this time we are inundated with amazing deals to get us into stores to buy anything from toys to TVs in the American holiday of Black Friday, which by the way is now Black Thursday.  Every year Mrs. C. braves the crowds in order to secure some …

Buying A House Without 20% Down

Okay, for YEARS I have been pitching the idea that before buying a house you should save up a 20% down payment.  A 20% down payment means that you avoid paying PMI and are not forced to do escrow for property taxes and insurance.  By saving up 20% you also …