It’s been a while since I last blogged! I’m using this quarantine period to get back into the habit of journaling and blogging in a more personal, first-person style, hoping to keep both of us entertained. If it feels like you’ve missed a lot, don’t worry. We’ll catch up as we go. In the meantime,…
It’s time to roll up your sleeves and crack open a window: Spring cleaning is here! As you sort through your closet, attic, or stack of paperwork, consider organizing your finances too. Here’s a five-step checklist to set you up for the year ahead: 1. **Revise Your Budget:** A lot can change in a year….
Is it better to work and be broke, or to rely on welfare? Recently, I was talking about my sister who works as a nanny, earning about $1,800 per month. After she covers work-related expenses and pays another nanny to take care of her own child, she’s left with about $350. Now, she’s also dealing…
Good morning, everyone! I shared some simple tips and tricks to keep in mind during your home inspection over on Make Money Your Way. You can check it out for more details. At Savvy Scot, we’re continuing our lifetime savings series, focusing on what you should prioritize in your 40s. Feel free to read more…
I know most personal finance experts say you should have an emergency fund, but I’ve never really worried about it for a few reasons. First, I’ve always been pretty good with my finances. I’ve saved a lot, so on any given month, if something came up, I could just stop saving and use that money…
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…
I’ve seen various posts about real estate in different cities around the world, and I thought I’d share my experience in Guatemala. Guatemala has a unique market. It’s a small country with only a few desirable areas for expats. While some foreigners might live very modestly, such as a Spanish girl in my village who…
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…
After I got the council’s approval letter to divide my land into 250 plots last week, things have been strange. The council still seems to want to control what we do, but when I went to the national cadaster’s office, they told me this council has no authority over what I can build. Apparently, the…
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