4 Simple Debt Management Tricks and Tips

In a recent poll conducted by NBC showed that 75% of millennials in the US are in some form of debt. A quarter of millennials — those 18 to 34 years old — are over $30,000 in debt, including 11 percent who are over $100,000 in debt. Only 22 percent of millennials are debt free. This has caused many to hold off some of the key milestones in their life.

There was time in my life, as well, when I had approximately $36k in revolving debt and these did not include my mortgage, car payments and others. Over a period of 4-5 years, I was able to turn around my financial situation to just the house mortgage debt and approximately $125k savings in the bank. How did I do it?

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Manage your digital data like PRO using these 4 apps

Managing personal digital information is crucial in this day and age. These materials can include digital photographs and videos, documents, e-mail, website passwords, and quick notes.

In this post, I will go over four apps or services that will help you become a Pro on managing you data. It may not necessarily work for everyone in every situation. Nevertheless, they do help in consolidating the information and manageable format.

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Traveling with Kids? Do these to take the hassle away

Traveling with kids is not easy and it gets worse when it is a long haul international flight. Over the past 5 years, my wife and I have had 10 trips which includes 11 countries with our now 12 and 7 year old children. Obviously from these number of trips, it is evident that we love traveling. My kids love them as well and are always look forward to the next trip.

Among all this, there was (emphasis on the “was”) something they hated. It was the plane ride, the waits at the airports for security check ins, at the gates before and at the time of boarding and finally immigration when they get back. I could not disagree with them as I hated these too but being an adult, but I was not in a position to complain.

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Lending Club Review – My 2 year Investing experience

Having been using Lending Club as an investing platform, here is my experience….

I had been reading a lot on generating passive income. Few of the blogs mentioned peer-to-peer lending as a way to diversify investment portfolio. Lending Club and Prosper were the two popular vehicles. Not having tried this platform, I decided to start small.

Today I wanted to bring up my experience after two years of investing on Lending Club.

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A little gadget that drastically changed my driving habits

Connected cars were one of the big highlights at the 2018 LA Auto Show in November last year. Almost every brand had their own version, showcasing the unique features they had to offer. One of the features that interested me was the Mercedes mbrace service wherein a customer specialist at Mercedes is notified in the event of an accident or collision. Now, this is not a new concept, similar services are offered by On-Star. The part I did not like was the monthly subscription fees for the service.

 

One day, I accidentally, stumbled upon a social media ad of Automatic Car Adapter. It was $69.99 for a unit at that time and there were no subscription fees for the accident notification service. I decided to give it run.

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Save $30 or more per month on your phone costs

I, personally, feel landlines are a thing of the past.  We’ve had a landline phone connection through our Comcast subscription. Due to constant sales calls, we started ignoring it and in some case led us to missing some important calls like from our kids school. Monthly we were paying $30 for a service that was not providing a value to us.

Since we both had our cellphones with us almost all the time. It was time to eliminate land phone service, but then we ran into issues where we needed to provide a “home” telephone number. So I started to check on other free options or even a low cost option. Continue reading “Save $30 or more per month on your phone costs”

Managing a side hustle while working full time

In a recent survey conducted by www.Bankrate.com , 4 in 10 Americans (37%) have a side hustle. With an average earning of $8k annually, that is some serious dough coming into these households.

My interest in side hustles started in around late 2014 after I read a few blogs about making extra cash. Since then I have gotten to a point now (2019) that I have registered my side hustle as a single member LLC. How and why did I do it? That’s the story here.

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Shave off years in mortgage by a small change in monthly payment

We have been home owners, living the American Dream, since 2009. Our first starter home was a 1,600 sq.ft town-home with three tiny bedrooms. With our second child born in 2012, we had out grown the house by two fold. However it was not until  2014 that we finally decided to move into a 3,400 sq.ft new construction house. If it was today, we might have gone smaller, probably in 2,400 sq.ft. range but our justification at that time was the possibility of our aging parents coming to live with us. Regardless, we felt it was good time to buy a house as the housing market was beginning to recover from the Lehman crash is 2008.

After couple of months of house hunting, we finally decided on a new construction neighborhood which met most of the items in our list.

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An overnight trip to Philadelphia for $150ish

Almost every city in USA has something special to offer during the holidays. In Philadelphia, we have the Christmas village featuring vendors offering authentic European food, crafts and ornaments. A special mention to mulled wine which is one of our favorite.

As a family, we plan a trip every year to the Christmas village and the surrounding Dibert park and City Hall. This time however my 6 year old was asking (borderline begging) to have an overnight stay in a hotel in the city. This is the same 6 year old who for her birthday wanted to stay at a hotel in NYC. In any case before committing to her, I wanted to check the prices.

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3 simple ways to automate the mundane tasks in life

 

Both I and my valuist wife are busy working professionals with lot of things going on in our lives. Having two children, a house, jobs, investments, etc make life busy and exciting at the same time. So we decided to check on different options such that the simple mundane tasks in life are automated and require very little of our attention. It would leave us with a significant amount of time to do things more enjoyable.

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