WORTHY Reads // February 13, 2015

Happy ‘almost’ Valentine’s Day! I think Valentine’s Day is one of my favorite holidays. There is something about the idea of falling in love with your very own casanova, prince charming, soulmate, etc. I don’t know why but I just love, LOVE!

Speaking of love, I just came back from New Orleans a few days ago and I feel like I left my heart (again) in that amazing little city. I can’t wait to share my itinerary and budgets next week!

I hope you all have a great weekend. Here are two articles that I have read recently and enjoyed and hope you enjoy as well. Thanks for reading!
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Stock Watch List

My Stock Watch ListTake a look outside. What do you see? I’m sure you see buildings, cars, people….how about trees?

Now, let’s take a minute to think about this tree. It started as a single seed which grew roots and was firmly planted in the ground. It then grew branches and, with each passing year, became stronger and more resilient to the harsh elements. It needed someone periodically tending to it to make sure it got enough water, that the soil was tended to, and the branches were pruned when necessary.

And, so the same for my tree. My “money tree”, that is.
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52 Week Money Challenge

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Anyone who know me knows that one of my biggest passions is to travel and see the world. I have Pinterest boards dedicated to all of the famous landmarks I want to see, types of food I want to try and things I want to do. All of which can take a bit of strategic financial planning to achieve. When I tell people that one of my goals is to travel to four different places this year (local, stateside and internationally) they immediately stop and ask how.

It’s because I started planning 2015 travel in 2014. All with the help of a popular financial challenge. Continue reading “52 Week Money Challenge”

WORTHY Reads // January 29, 2015

Can you believe the first month of the year is already almost over?

I’ve been making some progress on my goals and I’m still pretty motivated! Granted, it’s still very early in the year but the old me would have usually forgotten what my goals were- much less started making progress on them. I’m looking forward to seeing what February has to offer.

Speaking of February, I’m looking forward to taking my first trip of the year; in New Orleans! I love that little town that always seems to be alive. There are always things to do, food to eat and sights to see. I love New Orleans so much that this will be my second visit in less than a year. I can’t wait to share my experience as a “second-timer”. Perhaps I’ll share a detailed itinerary as well as a breakdown of my budget? Stay-tuned!

I hope you all have a great weekend. Here are two articles that I have read recently and enjoyed and hope you enjoy as well. Thanks for reading!
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The Easiest Way to Budget


The Easiest Way to BudgetNo one likes to budget. I get it.

The scattered receipts, the excel spreadsheets, the meticulous mental accounting of trying to figure out if you spent $4.63 or $4.93 on this morning’s latte…it’s enough to drive even the most analytical person crazy.

And then there’s the matter of trying to figure out how much is too much or too little for each line item in your budget. Should I budget $100 for shopping? Is that enough? Am I going to spend more than $50 at happy hour this month? Have gas prices come down enough to consider $75 enough for gas?

Sometimes life isn’t so simple and you can’t plan out how your future self will spend every single penny. I mean, you know what you have to spend on rent, insurance and other fixed costs but how can you possibly know how much to set aside for those random purchases that don’t occur every single month?

Insert the “One Number Budget”.
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My Investing Strategy

If you had asked me how the stock market worked five years ago, I probably would have described a scene out of the movie, The Wolf of Wall Street. I always imagined a frenetic scene where traders are standing around in a pit, yelling and screaming at each other, yelling and screaming into two or three phones at a time. Why I thought they could carry a conversation with three different people at the same time, I’m not entirely sure. But I was in awe of these people who had mastered the art of serious multitasking in this magical place called Wall Street.

I never thought “investing” was something I could do because a) I didn’t know any stock brokers, b) I’ve never had thousands of dollars to throw into whatever stock was hot at the moment, c) I don’t really trust people that multitask. Seriously, something always falls off no matter how good you think you are.

It wasn’t until I started educating myself on saving, budgeting, and overall personal finance that I learned just how simple investing can be. Sure, there are so many different ways to invest your money; bonds, individual stocks, ETFs, index funds, real estate, private equity, etc. But that is the beauty in building wealth. There isn’t just ONE way or RIGHT way to do it. So it doesn’t necessarily matter how you do it; just that you do it.
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Definition // What is Financial Independence?

Hey friends,

There are many articles out there that can help you put a numerical value on what financial independence is. However, I’d like (for once in my life, lol) to take the numbers out of it. Here is my stance on financial independence and what it truly means for me. Enjoy.

Simply put, being financially independent is being in a position where you are able to take care of your living expenses without needing an active job. Meaning you don’t necessarily need to go to some workplace and clock in 8 hours of your time every day. You have created passive income streams that you can pull from to support your lifestyle and you aren’t living paycheck to paycheck. Traditionally, the most common path to financial independence was through creating a successful business and then hiring managers or supervisors to run the daily operations. More recently, people have come to understand that simply saving a large portion of your income and investing over the years yields the same desired outcome.

Continue reading “Definition // What is Financial Independence?”