I must have this conversation with my peers at least 3 times a month and it always goes something like this… Peer: Wait, you mean to tell me that I need to have a savings account I never touch unless … Continue reading Stop! Don’t touch that emergency fund
This past Saturday morning I was moved by an incredible and inspiring story from Melissa. I met Melissa in a personal finance community I’m a part of and I reached out to her to learn more about her financial journey … Continue reading This is how Melissa is breaking the paycheck to paycheck cycle
Before I begin with my post, I have to give a quick shout out to one of our family friends Janet and Hermes who introduced us to this new coffee hack! 🙂 Last year I wrote about how you can … Continue reading This new coffee hack is saving us an additional $510.50 this year
I’ve shared before that 2018 is going to be the year that I focus on my family’s net worth. I’ll be honest, my net worth wasn’t a number I cared about but 2 years ago our net worth weighed very … Continue reading 5 quick tips to increase your net worth in 2018
oh 2017…this definitely has been one of the most rewarding and most challenging years of my life. Ever since we embarked on this personal finance blog journey, I’ve decided that at the end of every year I want to share … Continue reading This is how we lived below our means and saved nearly $60,000 in 2017
It’s a Griswold family Christmas and we’re going to have the hap, hap, happiest Christmas since Bing Crosby tap-danced with Danny f***ing Kaye! I am a huge Christmas Vacation fan, and when I mean huge, I mean I own the … Continue reading 5 Lessons I Learned From Christmas Vacation
To all of my shopaholics Recently Alex and I got back from an unbelievable vacation in Europe. We explored, we ate, we drank, we partied, and naturally, we shopped. Him and I love to travel and come back with a … Continue reading Shopping Spree + Tax Incentives!
There is a difference between a “want” and a “need”. It is also important to factor in an emotional decision and a logical decision. The “want” is the emotional decision and the “need” is the logical one. On my personal … Continue reading Holiday Sales – Don’t Impulse Buy
So it’s time for you to leave the comforts of home, spread your wings and fly or you’re just moving into a new home or apartment. Whatever the case may be, you’re moving on up to the east side to … Continue reading Don’t Break the Bank When You Move
To all of you smokers out there, including my very own friends, I’ve got a message for you. No, my post does not include one of those creepy and disturbing videos of a person peeling off their skin when buying … Continue reading The Impact Of Your Smoking Habit
I’ve been asked several times, why am I so conservative with my money? What has driven my passion to become financially fluent? Normally, I would always respond with something like, “my goal is to be debt free, so I’m using … Continue reading How 3 Economic Crises Have Shaped Me
There are a lot of emotions pre, during, and post a hurricane. As I write this post, I haven’t had power for 4 days and millions of Floridians are patiently waiting for their utilities to get back on track and … Continue reading The Unpredictable And Unexpected
Normally, I hate cutting luxuries from my monthly budget, but when the going gets tough, the first thing that goes are my Starbucks trips, Ipsy subscription, and the one that breaks my heart the most, the gym. For some, the … Continue reading That Boujee Gym Membership Doesn’t Belong In My Budget
Let’s be honest, impulse buying happens to all of us, you, me, your abuela (that’s grandmother for all my non-Spanish friends.). I know personally, there is nothing I enjoy more than going to the mall on a lazy Sunday to … Continue reading Do You Really Need Those New Shoes?
This past week I was chatting with one of FinancialFluency’s followers and asked him for suggestions about a future topic he’d like for me to cover. He shared that he has credit card debt he’d like to payoff as fast … Continue reading How An Extra $50 Monthly Can Save You Thousands!
I’m sure that many of you have thought “WTF” when you saw the pathetic interest you earned from keeping your savings at your brick and mortar bank…this has been my thought for quite some time. Well, a couple of weeks … Continue reading I Ditched My Traditional Savings Account and Made 2,818% More The Next Month
Before I started to write this post, I gave myself some time to really think about this one…I couldn’t think of 1 good reason to keep my cable TV at an additional $100/month, including the rental of 2 cable boxes! … Continue reading We’re Saving $1,000/year By Cutting Our Cable TV
Over the past couple of weeks, I’ve talked to many friends and followers about their financial progress and their new goals. Having the conversation and recognizing the need to adjust your lifestyle and finances is a great start, but it … Continue reading How To Stay Accountable To Your Financial Goals
I’ve been in Florida for 12 years and coffee is a daily ritual. Even if I tried to cut coffee it isn’t an easy task because my wife is Cuban. Since I’ve been introduced to Cuban coffee, it has opened … Continue reading Here’s How You Can Still Drink 2 Cups Of Coffee A Day AND Save Money!
As I grew to understand the importance of saving and the type of safety net this creates for my family and I, I’ve become more strategic with my methods and how I am prioritizing the purpose of every dollar that … Continue reading 5 Ways To Prioritize Your Savings Goals
First thing is first, you don’t want to stash your cash in your mattress, bury it in your backyard, or keep it in a safe. There are many financial vehicles that provide secure methods to keep your emergency fund. Your … Continue reading Stop Stashing Your Savings In The Mattress!
You may have heard that having an emergency fund is extremely important for your financial well-being. I’d like to reaffirm the statement because it is crucial to have a sense of security. Your emergency fund should have between 3-6 months … Continue reading 7 Steps To Build Your Emergency Fund
Your savings goals are personal and they may change over time. But in order to save, you’ve got to begin budgeting and live below your means. They come hand in hand. Mano y mano. Start off by calculating your … Continue reading Budgeting & Saving
This past week I read the 2015 Economic Well Being of U.S. Households report and it has revealed astonishing statistics about the state of personal finances in this country. While I’m aware and sensitive to the fact that economic conditions affects each … Continue reading There Is Urgency for Financial Literacy
If your answer to the question in the title is ‘YES’ or you’re not even sure what an emergency fund is, I’m glad you’re here! An emergency fund or rainy day fund is given its name for a reason…it’s cash that … Continue reading Is Your Emergency Fund In Shambles?