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Category: Making Money

Your Basic Guide to Retirement

Your Basic Guide to Retirement

Being a millennial, I realize that retirement sounds like a foreign, future concept to most people my age. Retirement? I’m only in my 20s/30s; I’ve got at least 30-40 more years of working left before I can retire. Why would I worry about that now? I want to use my money to enjoy my life now. Why bother working if I’m just going to save all my money and not do anything with it. These are all VERY common thoughts…

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1 Million Ways to 1 Million Dollars: Investing

1 Million Ways to 1 Million Dollars: Investing

Today’s post is a guest post from one of my fellow blogger friends. He’s got lots of great posts, so after reading this one here, be sure to check out his blog via the link below. He is also one of the bloggers featured on my Resources page! Hello, my name is David and I run Zero Day Finance, a blog dedicated to helping you control your spending with the ultimate goal of achieving financial independence. I recently wrote a…

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8 Ways Personal Finance Blogging Has Changed Me

8 Ways Personal Finance Blogging Has Changed Me

I started YourAverageDough.com at the end of February, so it has been just over 3 months that I have been blogging. I’m not going to lie, blogging is time-consuming and a lot of work, but it’s been great so far. While blogging is not my full-time job, it has still managed to change my life in some ways for the better. And being that I am only a few months in, I’m intrigued to see how many other changes will…

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An Easy Way to Invest in ETFs

An Easy Way to Invest in ETFs

As I’ve been reading through other personal finance blogs, I have noticed something that keeps popping up on many of them: ETFs. While I know what ETFs are, I have never actually invested in one. If you have read my prior blog posts, my husband and I typically invest in individual companies rather than picking ETFs. So, last week when a friend of mine, who is also a subscriber of the blog and a fellow accountant, reached out to me to…

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The Best Credit Cards For Travel, Food and More

The Best Credit Cards For Travel, Food and More

I want to put it out there that I am not a points hacker. There are plenty of people out there who know more about credit card points and how to use them to their advantage than I do; however, I would consider myself fairly knowledgeable in the area. While I don’t necessarily go out of my way to open up tons of credit cards in order to get the best sign-up bonuses and points for every single purchase I…

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Can Money Buy Happiness?

Can Money Buy Happiness?

Can money buy happiness? It’s an age-old question. More often than not you hear “money can’t buy happiness.” But does anyone really know that to be true? Typically the example given is an old man who works so much he never had time to spend with his family or friends, so he ends up alone in his mansion and sad. However, if he really has THAT much money, can’t he buy friends and find someone to create a family with?…

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An Update On My Mutual Conversion Investment

An Update On My Mutual Conversion Investment

Winner, Winner, Chicken Dinner That phrase has multiple meanings depending on where you look, so I will cut to the chase. I wanted to wait until we finally sold our shares in our first mutual conversion before I posted an update. As of May 1, 2017, we officially sold our shares in Putnam County Savings Bank (PCSB), a small community bank located in Westchester County, New York, for $16.28. With a cost basis of $10 per share, that’s a gain…

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How to Save (and Make) Money While Traveling

How to Save (and Make) Money While Traveling

The first step to dealing with a problem is admitting you have one. I’m obsessed with traveling. I cannot get enough of it. I have this constant desire to visit new places, see new things, try new foods. I’m sure I’m not alone. Aside from getting enough vacation time at work, the issue with traveling is that I don’t have an endless supply of money to pay for all the traveling I want to do. That is why I’ve compiled…

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4 Investing Tips For Beginners

4 Investing Tips For Beginners

For many people, especially millennials, investing is a scary word. Millennials watched their parents, friends and relatives struggle through the most recent financial crisis of 2008-2009, where investment values were nearly cut in half. Many individuals lost their jobs and a significant portion of their retirement savings as stocks, bonds, mutual funds and 401K values all declined. With the crisis now well behind us, the market has rallied from those lows and hit all-time highs, which for some resulted in…

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Guest Post: How to Beat Passive Dividend Investing

Guest Post: How to Beat Passive Dividend Investing

Today’s guest post is by a fellow blogger friend of mine, Troy @ MarketHistory.org. Troy’s blog discusses his thoughts on investing, the stock market, and controversial personal finance issues. He runs a privately held investment firm, so he’s got some great insight! It is true that dividend investing beats index investing (i.e. tying yourself to a benchmark like the S&P 500) in the long term. From 1927 to the present, dividend stocks in the S&P 500 outperformed non-dividend paying stocks by…

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