I bet I’m not the first to tell you that if you quit your morning Starbucks habit, you’ll have over $1,000 in your pocket by the end of the year. We all know this, so we’ve all done the same thing. We’ve purchased a Keurig and we make our coffee at home…which means we’re all trying to figure out where to find cheap K-cups.
Even with the cost of K-cups, it is worth keeping the Keurig. The convenience, cleanliness, variety, and ease are unmatched. And like I already said, it IS way cheaper than actually going out for coffee.
So, to keep the habit cost-effective, where exactly can you find cheap K-cups? (And more importantly, where can you find Starbucks K-Cups that don’t cost $1 a pop?)
Going through the process of buying an investment property – especially your first investment property – is a total roller coaster ride. You’ll experience a ton of anxiety, excitement, confusion, and joy.
It can be addicting.
It can also go horribly wrong if you don’t know what you’re getting yourself into.
So before you pull the lever on your first investment property purchase (and we’re talking buy & hold here), make sure you know these 10 important realities of real estate investing:
The Debt Snowball Method is the absolute best way to get out of debt when you have multiple loans pulling you in different directions. This is especially true if you actually want to get out of debt way earlier than scheduled.
Ironically, conventional wisdom tells us to get rid of the loans with the highest interest rate first. But that’s not always the best approach to take, which is where the Debt Snowball Method comes in.
My husband and I used this method to get rid of our student loans and it worked like a charm. We’ve only got one major loan left – the mortgage – and now we can focus all our resources on that.
Related post: 10 Things I’m Doing to Pay Off My Mortgage Early
Here’s what you need to know to make the Snowball Method work for you:
I am bound and determined to pay off my mortgage early. It didn’t start that way, but a few years into the loan my husband and I realized there were just too many benefits to paying it off, so it needed to happen. Since then, the desire to be debt-free has grown, while the loan balance has shrunk.
It’s an amazing feeling to watch this massive loan get smaller and smaller and I can’t wait for the day that it’s over. What’s even more amazing has been realizing that little changes can actually cut off years of mortgage payments. So, of course, when you add up all those little adjustments, you can seriously impact the length of your mortgage.
As with all major endeavors in life, the first step is always the most important, so if want to pay off your mortgage early, take one of these steps TODAY.
Here’s what I’m doing to pay off my mortgage early (and what you should be doing too!):
If you’re trying to figure out how to retire early, you’re not alone. Retirement is the ultimate dream for most of us and figuring out how to pull that off is happening more and more. It may not be easy, but it’s certainly possible!
If you’re looking for some inspiration, tools to make it happen, or just want to see if you’re on the right track, these books will help you get there. They are full of tips and tricks that will teach you how to retire early and achieve the new American dream.
Good luck and happy reading. 🙂
In my pursuit to pay off the mortgage, I’ve experimented with cutting a lot of costs. To my delight, I’ve discovered that a ton of these things we didn’t even need! In fact, the free or alternative versions have often been better.
Whether you have a financial goal you need to meet or just don’t like wasting, these are the things you need to stop paying for:
Related post: 10 Things I’m Doing to Pay Off My Mortgage Early (and the 1 Thing I Won’t Do)
It is so easy to push off making long-term investments. This is especially true if you feel like you don’t have what you need right now.
The irony in this is that you will likely always feel like you don’t have enough…and if you keep pushing off essential long-term investments, a time will come when you actually don’t have enough.
This is because we’re all wired to think a certain way about money and that rarely changes. You’re either content or you’re not. You save, or you don’t. You feel like you have enough…or you feel like you don’t.
So, in many cases, you just need to force yourself to make the investments. Luckily, that is really easy now-a-days because you can set up an automatic investment plan that will pull money straight from your checking account or even your paycheck. All you really need to do is set up the account. The rest will happen behind the scenes and you can completely forget about it. Then, when you need it most, it will be there.
So what are the critical long-term investments you should start making now? Here they are:
I LOVE the idea of being able to take your kids to work. I wouldn’t trade being a stay-at-home mom for anything, but I also know I’d probably go crazy if I didn’t have at least some amount of work to do too. Not to mention that the extra money really helps!
I’m always so impressed when I come across someone that has figured out a way to experience the best of both worlds, so it’s time to share! If you’re in a position where you want a job, but also need to keep your kids in tow, consider some of these options:
For a lot of moms, working from home while still being able to be a stay-at-home mom is a coveted dream that often feels out of reach. It can be hard to find flexible work, hard to take care of your kids and the house, and nearly impossible to mesh the two together. But once you do figure it out, it can be the best arrangement imaginable. Whether it’s for extra money, personal fulfillment, or just to keep an oar in the water, it can be a total game changer for your life!
I’ve been working from home since I had my son and I’ve learned a lot through the years. Some things failed miserably and others opened up amazing opportunities. Here’s my advice for how you can make it work:
Without a doubt, writing is one of my favorite ways to make extra money. Not surprisingly, my blog tops the list of my favorite platforms to write for, but every now and then it feels good to get paid for an article you write regardless of how many views, clicks, or traffic it receives. Luckily, nowadays there are a ton of websites that will pay you to write for them. If you enjoy writing like I do, check out these sites to see if they’re a good fit. (You can also check out my list of other ways to make money with your writing here → 6 Ways to Make Money as a Writer).
Related post: How to Start a Money-Making Blog