College is often one’s last chance to live a care free life before adulting hits. I was your typical college student during the first three years of college. I spent money on alcohol, ate out all the time despite having a meal plan, and eagerly awaited the next source of income that likely did not [...]

One of my goals for 2017 was to have a savings rate of 55%. Considering the average person in America saves a measly 5.7% of their salary—or $5.70 for every $100 in after-tax income they make—it is fair to say that I am setting myself up for success. I have written numerous times about the [...]

In order to build wealth, you need to build a gap by having your income exceed your expenses. Using a budget is perhaps the most powerful tool you can use to analyze this gap. Why the budget? The budget tells you exactly what your money is being used on. To put it simply, it shows [...]

Top 5 2017 Goals

I know, I know… It is the end of January and I am only putting out my 2017 goals now! However, it is not my fault that I have not been able to post for the last two months. I moved into a brand new apartment in December when I started my job and did [...]

The hunt is over! After a couple months of apartment hunting, my roommate and I finally signed a lease one week before I begin work. We will now officially be living in Center City Philadelphia in a beautiful two bedroom two bathroom apartment for less than $800 rent a month each! We first started our [...]

5 Ways to Save Money in New York

Recently I spent a week in New York and it was expensive! My dad was running the New York marathon so my family thought we could turn it into a nice little trip. As many readers of this blog know, we are from the Caribbean island of Trinidad and Tobago. Salaries are far lower on [...]

How often have you walked into a store and swiped your credit card without paying much attention to the cashier? This weekend I went to the grocery to pick up some items. I picked up a few containers of fruit, some cookies that were on sale, and ice cream. I needed something sweet that weekend! [...]

I find it intriguing that many financial experts are torn on the earn more, spend less debate. When I first began learning about personal finance, almost every blog I read focused on living below your means (i.e. frugality). The first personal finance book I read, The Millionaire Next Door, wrote about millionaires with a frugal [...]

It is crazy to think that I have been blogging for six months! When I began blogging I set some goals. I wanted to get 1,000 views by the end of the year and by December I wanted to get 250 views in a month. It is safe to say that these goals have been [...]

What do you do when you do not know a cooking recipe? If you are like me, you likely hop onto Google or Pinterest and within fractions of a second out pops all of these delicious recipes. You pick the one that is right for you and then you methodically follow their blueprint. People often [...]

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