debt | Something On My Mind

the personal finance blog

Jun 1, 20214 min read

#61 - The Current and Future State of the Student Loan Crisis

The Federal Reserve Bank of St. Louis, says student loan borrowers owe a collective $1.73 trillion in federal and private student loan debt

Apr 29, 20212 min read

PFT #20 - Personal Finance Tip: When is the Right Time to Buy a House?

Low interest rates, lack of labor and supply are the right ingredients for an unprecedented housing market; perhaps a housing bubble.

Apr 16, 20212 min read

Should You Make Biweekly Mortgage Payments?

Many mortgage companies have a biweekly payment plan to make 13 payments each year. This can you save thousands of dollars interest.

Apr 14, 20212 min read

PFT #18 - Creating Disposable Income in the Budget When You Buy a New Product

Successful personal finance managers have discipline and put in the work to buy quality productand create disposable income.

Apr 13, 20212 min read

What is an Emergency Fund

When it comes to financial planning one key component is to have an emergency fund. This differs from a rainy-day fund which is for...

Mar 28, 20217 min read

#52 - The Best Way to Manage Your Stimulus Check and the Future Impact on the Budget

Let’s take a scenario and say a family of four is making under $160,000 AGI. This means that $5,600 ($1,400 per person) will be sent out.

Mar 15, 20218 min read

#50 - Relationships, Personal Finance and Divorce. When is the Right Time to Discuss the Budget?

Here's one golden rule: Never judge a book by its cover or one's net worth based on the car he or she may drive.

Apr 21, 20203 min read

Podcast #3 - Credit Card Balance Transfers

I would recommend looking into balance transfers for as low as 0% interest typically for 18 to 24 months if you have a higher interest rate.