Prize Linked Savings (you may also see them called 'Save to Win' games) are an interesting take on savings accounts, where every deposit is 'kept' unlike in normal … [Read more...]
Pay Down Debt or Invest the Cash?
A common financial topic begging for answers is whether to pay down debt or invest. Over much of the internet, it is encouraged to pay down your high interest debt … [Read more...]
First Month Living Without a Car
Recently, I moved to San Francisco and as part of the move I decided to sell my vehicle and live car-less. I felt (and feel) that I could get most of my transportation … [Read more...]
Payday Lending and its Economics
Spurred by a recent article, I wanted to touch on a particular industry that we have discussed previously here at DQYDJ: payday lending. Specifically, I wanted to talk a … [Read more...]
Financial Goals for 2015
Early last year, I prepared goals for 2014. In September, in a shift of plans I decided to abandon my goal of paying off all my consumer debt and instead focused … [Read more...]
I Quit My Day Job – If You’re Going to San Francisco (Part 2 of 3)
I haven’t yet decided if I should wear flowers in my hair. Over the past three and a half year, I have lived in the Dallas-Fort Worth Metroplex. I have … [Read more...]
My Retirement Asset Allocation
Over the Thanksgiving weekend, I decided to play around with Morning Star's X-Ray tool. The tool takes your entire portfolio and analyzes the asset allocation by … [Read more...]
I Quit My Day Job – Drinking from a Fire Hydrant (Part 1 of 3)
“Getting information off the Internet is like taking a drink from a fire hydrant.” – Mitchell Kapor This post is going to be the first part of a three-parter about a … [Read more...]
September 2014 Goal Assessment
At the end of last year, I stated that I wanted to pay down ~$34,000 in consumer debt (outside of my mortgage). I am writing today to report on both a level of success … [Read more...]
FICO is a Corporation
Much has been written about the recent change in the FICO scoring system from both mainstream media and personal finance blogosphere. Using my compelling inside … [Read more...]
Time and Well-Being
Everybody has heard the old adage “Time is money,” but very few have considered what it means in their own lives. Every hour you spend on something could potentially be … [Read more...]
Emergency Funds are Overrated: Part Three of Three
(Read parts one and two in the emergency funds series) In the first two articles, I covered: How important it is to be cash flow positive How to cover very small … [Read more...]