Financial Independence is a journey, not a destination. Taking control of your money allows you to increase your financial freedom a little more every day.
Becoming financially independent takes discipline, determination, and a lot of hard work. Adding unnecessary complexity doesn't help.
Using Reward Credit Cards for everyday purchases leads to overspending. Find out what happened when I switched to debit cards for 90 days.
Going to a restaurant is literally just paying someone to cook for you and do your dishes. Paying someone to do something for you is, by definition, luxury.
Spend less than the maximum allowed on housing and transportation if you want to accomplish more than just making the minimum payment.
Find out how Conscious Spending removes guilt from buying the things that bring you joy, while simultaneously achieving your financial goals.
When your income falls focus on three areas: 1) Maximize all income sources; 2) Minimize expenses to protect the four necessities; and, 3) Pile up as much savings as possible.
Every year you should fully comprehend your income, separate recurring expenses from personal spending, and decide how much positive cash flow you want.
Learn how to use three areas in your undetailed budget to find opportunities to increase savings: Income, Recurring Expenses, and Personal Expenses.
If you are going to spend 5 months paying off your Christmas spending, it is better to do it before Christmas instead of after.