The habit of grabbing a morning coffee is controversial in the money-savvy/budgeting/financial planning community. Dave Ramsey die-hards and other will say that the key to financial success is giving up you $6 latte (we’ve all seen those articles ranting about how millennials and young people would have houses if they just gave up their expensiveContinue reading “The Price of Morning Coffee: Budget vs Realist”
Tag Archives: financial independence
Make It Easy: Pay Yourself First
The easiest way to start saving, regardless of whether you’re putting the money into your savings account or investing the money in your 401(k), is to pay yourself FIRST. What does that mean? Well, the easiest way to not spend your money is to not have access to it in the first place. If you’reContinue reading “Make It Easy: Pay Yourself First”
ESPP: Why You Should Opt In
If you work for a big company, and they have publicly traded stocks, there’s a chance they also offer an ESPP to their employees. So what is an ESPP and why should you opt into it? An ESPP (Employee Stock Purchase Plan) is a program run by a company in which its employees can optContinue reading “ESPP: Why You Should Opt In”
Your Savings Account and Your “Savings” Account
My tip: have two savings accounts. One of the first things I did when I got my first Big Girl JobTM was open a high-yield savings account. This involved applying for an online savings account with Ally (although there are a lot of online banks nowadays that offer great High Yield Savings account options), essentiallyContinue reading “Your Savings Account and Your “Savings” Account”
Introducing The Financial Freshman!
Hey Freshies (that’s you)! What started out as an idea a few years ago, and a never-published blog that was lost in the wind, has now materialized. My name is Grace Montgomery, and I pride myself in being the de-facto financial consultant for my friends and family (please note I am not certified, and noneContinue reading “Introducing The Financial Freshman!”
Financial Freshman 