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Learning & Education

Good debt vs bad debt Thumbnail

Good debt vs bad debt

Describing what is generally viewed as bad debt and good debt. From credit cards and consumer loans to financial leverage when investing. We also discuss debts in the grey area such as mortgages and student loans.

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Your expenses are more than you think Thumbnail

Your expenses are more than you think

If you aren't an avid budget follower, your expenses are more than you think. Our simple test is taking your gross income, subtracting taxes and savings, then what is left over is your lifestyle or expense number. Often we under estimate this number because we think about our monthly expenses, but for get about the once a year expenses such as increased spending during the holidays. Even that thought of annual expenses often under estimate how many one time expenses pop up, this year it was the furnace, next year its the car, etc.

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