The Financial Independence Blog

Are You An Emotional Spender?

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Do not use money to make yourself feel good. The psychological high that comes from a purchase, like other vices, is fleeting. There is nothing wrong with buying designer handbags and shoes as long as you are living well below your means and not using the purchases as a way to make you happy. But when […]

Paying Off Balances Should Be Top Priority

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If you have debt, paying off balances should be your top priority and an important step in gaining control of your finances. Remind yourself that credit card debt is completely within your control. Getting out of debt requires you to be disciplined on two equally important fronts. First, you must refrain from using debt for […]

Manage Credit Responsibly

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There are a few proven strategies to manage credit responsibly. Use only one credit card and use credit sparingly. Pay your balance in full each month, avoid keeping high balances, and review your credit report annually. Also, by deducting all credit card purchases from your checking account register, you will avoid financial surprises because you […]

Avoid Financial Infidelity

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You need to share your credit reports and net-worth statements, not just before marriage but before living together, as well. If there are worrisome signs such as late payments, maxed-out cards or towering debts, that is where you will find them.

Women Are Great Financial Decision-Makers

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Women Are Great Financial Decision-Makers — Although many women have insecurities regarding money management, research indicates that—when compared to our male counterparts—we make better investment decisions, are more organized, and we are highly goal oriented.

Budgeting… Not Worthy Of Its Bad Rap!

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The word budgeting often gets people as excited as the words diet or root canal. However, budgeting truly gets a bad rap. In actuality, it frees you to spend money on the things you enjoy. Once you have paid those bills and put aside some savings, you can spend your money on anything that makes […]

Preventative Maintenance

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There is no doubt conversations about money and legal arrangements may be uncomfortable and tense. But consider them as preventative maintenance. Choosing a fiscally irresponsible mate is hazardous to your finances and your relationship. After all, arguments over money are one of the leading causes of divorce. Therefore, you need to think about protecting yourself […]

My View of Money, Your View of Money

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It is a good idea to be certain that both of your beliefs and habits about money align before marrying. While dating, determine if you both have the same values when it comes to money. The Money Mind Analyzer is an excellent tool to help you determine if your values about money are in alignment.

Prospects of Harmony

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When it comes to love and money, the prospects for harmony don’t always depend on what is disclosed. They also hinge on what is not. You do not have to merge all your finances. Many couples are more comfortable with separate accounts. But you should at least trade logins and passwords so that financial information […]

It’s In Your Hands!

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Whether you have found your so-called prince or are looking for the man of your dreams, the responsibility to take complete charge of your financial life is in your hands. Do not wait for a personal crisis to occur. By then, it may be impossible to undo whatever financial damage has taken place. Single or […]