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It’s easy to fall into the “I deserve it” mentality with our finances. After a long week of work, it’s tempting to rationalize splurging on an expensive meal, new clothes, or the latest gadget.
But this mindset can seriously damage our financial health if we’re not careful. Let’s delve into what this mentality is, why it’s harmful, and how to combat it.
[Read more…] about You Need To Avoid The “I Deserve It” Trap
The allure of owning a franchise often stems from the promise of a proven business model, brand recognition, and potential financial success. However, a closer look at the experiences of many franchise owners reveals a different story. Here’s why many advise against buying a franchise:
You’re Buying a Job: The sentiment echoed by many is that owning a franchise is akin to “buying a job.” Instead of the passive income many hope for, franchisees often find themselves working long hours, dealing with the day-to-day operations, and facing the challenges of managing staff and customer relations.
[Read more…] about Why Many Advise Against Buying a Franchise
Let’s cut to the chase: job hopping isn’t just for the restless or the uncommitted. It’s a powerful strategy that, when done right, can skyrocket your career and fatten your wallet faster than you ever thought possible.
Now, you might be thinking, “But won’t employers see me as unreliable if I hop around?” Sure, if you’re switching jobs every three months, you might raise some eyebrows. But strategic job hopping? That’s a different ballgame entirely.
"I’ve got a brutal special assessment that was just unilaterally decided upon by my HOA board. I live in a condo I bought in May 2014 for $245K. The assessment will be for $60K to replace the siding and windows."
"I’ve recently moved into a condo complex that I’ve now learned needs a lot of urgent work done. We haven’t yet gotten a final figure, but it’s looking like a $30k-$40k assessment may be in my near future."
"Hello, I (30 F) own a condo in a 16 story building. I am a full-time Master’s Student with a part-time retail job. My Condo building is falling apart and needs about $3.5 million in repairs. My portion of this is an $18000 assessment due on June 11th"
[Read more…] about Special Assessments: The Hidden Risk When Buying in an HOA
Sunk Cost Analysisis a way of making decisions that ignores any costs that have already been incurred and cannot be recovered. These costs are known as “sunk costs.”
The key principle of sunk cost analysis is that only future costs and benefits should be considered in a decision, not past expenditures, since the latter cannot be changed and should not influence the rational assessment of a viable option.
[Read more…] about 39 People Reveal How Old They Are and How Much They Have Saved for Retirement
Alright, let’s cut through the noise and get straight to the heart of what you really need to know about saving for retirement. No fluff, no overly complicated formulas—just the straight-up, actionable advice you need.
[Read more…] about How Much Do You Really Need to Retire? Solve the Puzzle with This Simple Formula
I’m in 250k worth of debt and I’m seriously considering going back to school
So I recently stumbled across a new career prospect that I’m extremely interested in . It’s in the medical field and I’d be making upwards of 150-200k right after graduating from the 2.5 years of schooling. The only issue I’m having is that I’m already in over 240k worth of high interest student loan debt . I currently make 70k working 2 jobs and I know my salary will increase but it’ll probably take another 7-10 years before even reaching $150k .
Is it worth applying for the program? It’s a very rigorous program and I can’t possibly work through it. I’m also on only 1 income at the moment so I’ll be responsible for covering living expenses for my self and my mother who lives with me.
This job will give me such a good quality of life after , but I’ll like come out owing $400k since interest on my current loans will keep accruing while in college.
[democracy id=”373″]
[Read more…] about 27 Car Salesman Reveal How Much They Make
1. YES…Free time gets used in different ways… Staying mentally fit: currently studying at university part time, learning a language, learning an instrument. Also trying to improve my illustration and photography skills.
Staying physically fit: mountain biking, bouldering, running and trying to sea swim. Helping others: do pro-bono work for NGOs in sectors of interest (40+ days in 2023).
Helping child with some of their questions re uni study, supporting a family member with mental health issues. Helping self: Travel: we take a few big breaks (Iceland all this month). We live between two countries, so explore them a fair bit. Social: spend time with family & friends