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Top 10 Overlooked Causes of Debt

ByGrayson Bell 02/27/201408/26/2022

Over the past decade, more and more people have found themselves deep in financial debt. While there may be some obvious reasons why some people have gotten into debt, there are also many other overlooked factors that could have led to their accumulation of debt. I have spent a good amount of my adult life in debt. I know how it feels. There is nothing fun about it, but that doesn’t mean it has to define you. Remember that you are the one in control of your money, so don’t let it take control of you. We all make mistakes and debt should be one that you only make once. I don’t plan on making the debt mistake again, so I hope you do the same.

Real Estate

Six Home Improvements That Can Add Value When You Sell

ByGrayson Bell 02/20/201407/12/2016

One of the popular ways to build long-term wealth is to own your own home. While simply owning a home and paying down a mortgage over time will lead a significant amount of wealth creation, those that are looking to maximize the amount of equity that they could ultimately have in their homes should look for ways to improve their home. Those that are looking for home improvement projects to consider, here are six specific home improvements that could add the most amount of value to your home when you ultimately try to sell your home.

Paying Off Debt and Saving

ByGrayson Bell 01/17/201401/27/2016

You Can Save While Paying Down Debt! I know this is a cliche topic. Most will tell you that you should stop saving when you are paying down debt. Why do they say this? It is simple. The math isn’t in your favor when you take time to save. Debt usually comes with high interest…

Shopping

Why You Should Choose a Local Appliance Store

ByGuest Author 01/14/201401/13/2014

There comes a time in all of our lives that we have to make large purchases. Let’s face it, that is just how our lives work right now. Our modern lives demand dishwashers, refrigerators, washing machines and dryers. When we find ourselves looking to buy a new appliance, we shop around. We read the reviews, we analyze the reports, and we watch the sales. Here is my story about why you shouldn’t go with the lowest price, but shop based on the type of service that you will receive after the purchase is made.

Cell Phones

Dear Verizon, This Is Our Final Goodbye!

ByGrayson Bell 12/02/201312/01/2013

Dear Verizon Wireless, I have been a loyal customer of your cell phone service since I was 16. You provided the best service at a reasonable price. You allowed me to get a nice phone for very little money and pay it off on my bill every month. Then, you would reduce my bill after the phone was paid for. Those were the days! Unfortunately, times have changed. Here is our final goodbye letter letting you know that were are dumping you for someone a little less flashy, but way more affordable.

Education

Worldwide College Tuition Comparison

ByGrayson Bell 11/07/201302/19/2015

I came across this new infographic that broke down some of the most popular colleges around the world and how much the tuition compares. I think this is really interesting, especially since we are dealing with exploding tuition prices here in the US. One of our biggest problems as a nation is the out of control costs associated with higher education. This massive increase in costs is just passed over the the student and typically in the form of student loans.

Money

How You Can Get Rich Quick – The Truth Of Making Fast Cash

ByGrayson Bell 09/09/201311/27/2023

So, you want to know how to get rich quick? Doesn’t everyone! I wanted to write this to show you how you can get rich quick and live the life you have always wanted. You might love those late night infomercials telling you that if you buy their book or course, they will show you how to make so much money that it will be mind boggling. The only problem is that those people are the only ones getting rich quick. I am going to show you the real truth about making money fast.

Savings

How A Window A/C Unit Saved Me Money

ByGrayson Bell 08/07/201308/06/2013

My home air conditioner is severely inefficient, so my wife and I decided to look into saving money another way. We love to have our room very cold when we sleep, but we just couldn’t afford it. In a way to save money, I bought a window air conditioner and looked to see how much I would save. Check out my saving experiment and see how much I was able to save each and every month.

Personal

A Gym Membership, an Auto-Draft, and a Lawsuit

ByGrayson Bell 04/10/201308/14/2014

A gym membership is a great way to get in shape, but sometimes things can go wrong. When I was in high school, I signed up with Gold’s Gym for a one year membership. I had used the gym everyday to get in shape and I was enjoying it. One day that all changed with Gold’s Gym couldn’t pull money from my account any more. After a few more months, I got a call from a lawyer representing Gold’s Gym. They were suing me. Here is the full story.

Recommendations

ByGrayson Bell 04/06/201308/23/2022

As a personal finance blogger, I have used or tested quite a few tools and resources in order to help me get to my main financial goals. There are so many websites out there that it can be hard to choose. I wanted to personally hand select some of the helpful money tools for you, so…

Money

Too Focused on Money and Losing Focus on Enjoyment?

ByGrayson Bell 03/11/201311/13/2015

Ever since July 2012, I have been focusing on building my savings account, my investments, and my net worth. Everything that I do has been focused on building my wealth and getting on track for retirement. I have been so focused on making more money, saving money, and getting on track that I have forgot to focus on things that I enjoy. I have kept a sharp eye on finances and got blurry vision on my hobbies. I need to get back on track and open my eyes completely. I need to refocus my energy toward my hobbies. Are we too driven by money?

Retirement

How Are Your Retirement Savings Shaping Up?

ByGrayson Bell 01/02/201312/17/2012

As I look toward creating some great goals for 2013, I had to put my retirement savings under the microscope. How am I doing now that I am funding it? How much more do I need to save? When do I want to retire? All of these questions are great and can be easy to deal with with the right resources. Luckily for me, I was able to locate a great infographic from Money Crashers. They ask the simple, yet powerful question, “Will you be ready for retirement?”.