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The Benefits of Being Wrong

A common fear I think we all share from growing up is taking a test. The fear, uncertainty and doubt creeping in to us while we wait for the test to be handed out. The feeling that that one thing we can't quite remember will of course be asked on the test. The winding paths of irrationality we weave in our minds of how not getting the perfect score on this test will spell certain doom for the rest of our lives. Sound familiar?

Financial Independence - What's the Big Deal?

So we've been exploring personal finance for a few months now, but I think it's time to address one of the underlying unspoken questions that I've come across when talking to people about money: why should I put so much effort into reaching financial independence? What's the big deal? Some people look at me like I'm insane when I tell them that I have a savings rate above 35% (it used to be above 50%, but some life events forced me to divert some money), and often it appears that the impression I leave is analogous to a hoarder. Why would I go to so much trouble to save as much of my income as possible? What does it do for me in the end? Why don't I live like the majority, spending money as it comes in and not worrying about the details of how I'll manage to retire? After all, things have a way of just falling into place when you're an intelligent, hard worker... don't they? Unfortunately, we don't live in a universe that consistently rewards inaction, and that's one of the central reasons behind my fanatical saving.

The Obligatory Cable Cutting Article - Part II

In last week's post Matt shared some very useful tips on how to cut your cable bill and some possible alternatives. About a year ago the Future Mrs. and I took the plunge as well. After months of trying to rationalize it away and convince ourselves it wasn't really worth it or that it was too hard to switch we finally parted ways with our cable subscription and the monthly bill that tagged along with it. Little did we know that it would be such a great decision for us not just financially but also personally.

The Obligatory Cable Cutting Article - Part I

I know, I know. I can hear it from here: "Another blog trying to get me to cancel my precious boob tube service?". Oh, come now - you all knew it was coming. But since there are so many articles out there like this already, I'm hoping to provide an article full of not only the reasons you should cut your cable bill, but also the practical alternatives that I've found to be the most easy to get along with. Over the next two posts (this one and a follow-up by Courtney), we'll be going over the benefits of removing television service from your balance sheet and how you can fill the void left by it (hint: it's really not hard). Let's take a look at some of the reasons you may want to oust your cable service in favor of a cheaper alternative:

Saying "This is why I can't have nice things" is Holding You Back

Continuing on with the theme from my last post of common quotes, this week I thought I'd pick another: "This is why I can't have nice things". Uttering these words can slowly eat away at not only your financial well-being but can dramatically change how you shop and value the things you buy or own. By being more thoughtful about what we spend our precious resources on we can develop a healthier relationship between us and the things we own and be able to get ourselves on sounder financial footing.

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