One way to ensure a joyful start to the new year is by managing your holiday spending wisely. While it sounds simple, how often do we actually stick to it? Here are a few practical tips to help you stay within a reasonable budget this holiday season: ### Create a Per-Person Holiday Budget The National…
Over the past five years, I’ve learned a crucial lesson about money: financial success doesn’t just happen—you have to plan for it. Just like living within your means and saving for the future, setting clear financial goals is essential. No one cares about your financial goals as much as you do. The average American spends…
Long time no blog! During this quarantine, I’ve decided to get back into journaling and blogging in a more personal way, keeping both you and me entertained. You might feel like you’ve missed a lot, and honestly, you kind of have! But I’ll do my best to catch you up as we go along. In…
Hey there! I recently made a spontaneous decision. Instead of taking a short trip to the US in September, which was part of my financial plans for 2013, I’m heading to Europe for a couple of months! I often browse for flights just for fun, comparing prices between places like Miami or NY and last-minute…
When I graduated from college a decade ago, I decided to explore the world solo for a year. Being young and eager, I wanted to experience life to the fullest, all while sticking to a tight budget. I noticed many couples traveling together and often wondered if it would be more economical to have a…
I’ve always had this idea of being financially independent since I started working and realized that a typical 9 to 5 job wasn’t for me. When I considered ways to create passive income, real estate always came to mind. Back when the economy was stable, with no crises or bubbles, and lending was easy, I…
One thing that really gets to me is when people complain about how tough times are and how hard it is to find a job. How tough was it in 1929? I never heard my grandparents complaining about not finding work, and they lived through WWII. They just got up and did what needed to…
Good morning! Today, I have a guest post from Shelby, the creator of the InvestingTips360 blog. Shelby is passionate about investing and loves helping new investors start their journey towards financial success. If you’re interested in writing a guest post on RFI, let me know. Millionaires seem to be everywhere these days. Back in 2013,…
I recently read J.D. Roth’s brilliant and touching article about his journey of self-transformation, starting from his days in primary school where he was bullied and labeled as a geek. Initially, he found happiness within his small group of geeky friends, but then he realized that there was a social hierarchy, and geeks were ranked…
As you might already know, I enjoy taking high-risk, high-reward investment opportunities as part of my strategy. Being young, healthy, and armed with a valuable business degree, I have the fallback option of returning to work if things get too risky. So far, things have gone pretty well, except for one investment. The investment was…