saving

Personal finance, well really life in general, is often about the next move. You go from elementary, to middle, to high school, and then to college. You finish college and get a job, only to find yourself looking for a new job after a couple of years. My entire personal finance journey has always been about the next […]

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Girl Ninja and I are in the process of refinancing our mortgage. We locked in our refi rate at the end of January, which saved us 0.25% compared to today’s rates. Might not seem like much at first, but it works out to about $40 per month, every month, for the next 30 years. So yeah, […]

For Oh Won Kay.

February 19, 2015 · 22 comments

In the blink of an eye, my overtime income that I blogged about two days ago is gone. Rest in peace, hopefully we will meet again. Where did it go? I’m glad you asked. As soon as I learned the opportunity for overtime was available, I immediately began deciding how to purpose this new found income. And […]

Last Friday I shared my grandiose plans to take out a home equity line of credit (HELOC) in an attempt to diversify the liquidity available to me. That HELOC stuff is soooooooooo 1995 last week. I’m on to bigger and better things now. And by “bigger and better” I mean, it’s time for me to […]

I got an email from a reader, Emily, asking for my thoughts on a semi-popular way to game “the system”. Check it….  I came across this article the other day. It’s essentially about gaming the mint to rack up frequent flier miles at no cost. Being in a position where I could do something like […]

About two months ago, I took $14,000 out of our savings account and put it in a taxable investment account. To date, it’s probably been my least favorite financial move I’ve ever made. In fact, it’s the worst. It’s also, apparently, the responsible thing to do, but that’s besides the point.   Responsibility is totally overrated. To […]

When I graduated college, at 21 years old, I really only had one goal for myself in regards to my personal finances. GET FILTHY FREAKING RICH But here I am, seven years later, realizing that I don’t actually care about being wealthy. I know, I know. You’re probably thinking, “Ninja, you’re a hypocrite. Some of […]