Cash Cow Couple

Milking Frugality Since 2013

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What You Need to Understand About Credit Scores

Unlike the score to a basketball or football game, a credit score is often misunderstood. This three-digit number is used by various lenders to determine your creditworthiness, which is the likelihood that you, a potential borrower, will pay back your debt. This number can have major consequences on a person’s life such as the ability […] The post...

Common Mistakes to Avoid When Creating a Personal Budget

Having a personal budget is an excellent idea since you can determine how you are going to use your money. You can list the expenses that you need to pay and how you are going to fit them all with the amount that you are earning, as this will also reduce the chances of incurring … Common Mistakes to Avoid When Creating a Personal Budget Read More »The...

Ways to Deal with Unpaid Credit Card Loans that Start to Pile Up

Having a credit card makes you feel confident in times of need because you know you could still purchase the necessary items. You can pay bills without worrying about the interest rates because you can pay in due time using a credit card. The problem is that since it is too easy to swipe the … Ways to Deal with Unpaid Credit Card Loans that Start to...

Betterment’s Smart Saver vs Traditional Bank Accounts

As detailed in my recent 2019 Review, Betterment is now promoting their Smart Saver Account as an alternative to traditional banking products. On many levels, this is understandable. Betterment offers personalized, long-term investment portfolios comprised of widely diversified stock and bond ETFs. They have helped thousands of clients build wealth...

Maximize the Interest Earned on Your Savings Using This Banking System

Our current personal banking system is one of the simplest, most powerful tools I’ve ever created to optimize our finances. Here are a few of the benefits that I will later describe in detail: Prevent any-and-every type of banking-related fee Maximize the amount of interest being earned on savings, at all times Save hours of … Maximize the Interest...

Are You Saving Enough to Achieve Financial Freedom?

Every human being faces the same two-part dilemma in personal financial planning. First, we must figure out how to best utilize our skills and passions to earn a living. Second, we must decide how to best utilize that earned income to build a meaningful lifestyle. Sure, some people earn a lot more money than others, … Are You Saving Enough to Achieve...

Spending Rate vs Saving Rate: Which Should You Prioritize?

My recent saving rate tutorial has me thinking deeply about the intimate relationship between spending and saving. Over the last several years, a significant portion of my writing has explored the importance of healthy savings in building wealth and creating financial flexibility. I’ve written thousands of words detailing the intricacies of our lifestyle...

Calculate Your Personal Saving Rate Using This Free Tool

Your personal saving rate is an important financial calculation, providing valuable information about how you choose to spend or save your income over time. Furthermore, your personal saving rate is one of the most important factors in determining how long it will take to achieve financial freedom. Although the average saving rate in America hovers...

GroceryPass Promises $120/Year in Free Groceries

I received an email yesterday from a fellow deal-hunter about GroceryPass, which is a new grocery discount service scheduled to launch this summer. Here’s how it works: You pay $10/month to GroceryPass. You receive $20/month to spend at any grocery store (at any time). The service is not yet live, but they have a waitlist that … GroceryPass Promises...

Staying Financially Fit in 2018

The best way to achieve your financial goals is to set SMART goals. SMART goals are specific, measurable, attainable, realistic, and timely. We are going to be looking at three SMART financial goals to set in 2018, courtesy of Scottsdale bankruptcy attorneys. The SMART methodology can be used for any goal that you wish to … Staying Financially Fit...

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