Wandering with a Purpose

Tag: personal finance

5 Personal Finance Books Everyone Should Read

Books educate and use your imagination to take you somewhere that you’re not. People are smart and thankfully many people take their knowledge and put it in a book to share with other people. If you want to learn about personal finance, then I strongly believe you should read all of these books. They each have their key takeaways, yet play off each other and contradict each other. There is not one right way to manage your finances because it is personal finance. That being said, you should be aware of different thoughts and strategies so you can make the best decisions for you and your family.

  • The Total Money Makeover by Dave Ramsey
  • Rich Dad, Poor Dad by Robert Kiyosaki
  • Set for Life by Scott Trench
  • The Millionaire Next Door by Thomas Stanley
  • Thou Shall Prosper by Daniel Lapin

Of course, I haven’t read all of the books out there! If you have any other suggestions, I would love to hear them!

My Takeaways

The Total Money Makeover

Dave Ramsey is an icon in the personal finance space, and this is his flagship book that summarizes his seven baby steps. This is the model I used to create my personal finance plan. This book is incredibly important if you have any debt, but it also gives you a framework to grow wealth. Hands down a great place to start!

Rich Dad Poor Dad

Robert Kiyosaki is another iconic thought leader who can be somewhat controversial. That being said, if you talk to anyone who invests in real estate, I would guess almost 100% of inventors would tell you to read Rich Dad Poor Dad. This totally changed the way that I thought about investing and made me think bigger about my personal business! There is too much to discuss in a short summary, but make sure this is on your list!

Set For Life

Scott Trench, the author, is CEO of BiggerPockets and co-host of the BiggerPockets Money podcast. He wrote a book before starting the podcast to give young adults or people new to thinking about their finances advice on how they can do more and grow their wealth. This book is full of practical advice and many of the suggestions I implemented in my own life.

The Millionaire Next Door

Thomas Stanley wrote another classic that shows that looking like you have wealth doesn’t mean you actually do – and looking like you are normal may actually be what a real millionaire looks like. This well-researched book shows that you cannot judge a book by its cover. True wealth is not extravagant. Slow and steady wins the race. Live on less than you make. Anyone can build wealth regardless of their income. Building wealth is empowering, and you can do it!

Thou Shall Prosper

This is by no means a quick read, but I think it is an important read if you see wealth and money as negative. Much in our culture villainizes wealth and money, which in turn, makes people feel bad to have money or to be successful. If you believe wealth is bad or makes you a bad person, then how can you aspire to have wealth of your own? It is important to view wealth through a lens of good, and that is what Rabi Daniel Lapin does in this long but succinct argument. He takes a religious approach in showing that until you are successful, you cannot help other people. Wealth is not bad because it is those who are wealthy and secure who are able to help others. The Jewish people see that and that is why, traditionally, many Jews are very successful.

My Path to FI

In 2017, I started my path to FI. Technically, it was probably the end of 2016, but in January 2017, I started my debt-free journey and became a self-proclaimed member of the FI movement. Three-and-a-half years later, it is satisfying to look back and see the major progress I’ve made and new goals I’ve set to achieve. I constantly wonder why I don’t know anyone who is also part of this movement. Why doesn’t everyone want to jump on board this path?

If you don’t know, FI stands for Financial Independence. The FIRE (Financial Independence Retire Early) movement has been around for several years, taking its formal start after the 2008 financial crisis. A few good resources to understand what this is are:

I’m fortunate that I’ve always had some regard for money. I managed my allowance as a kid, got really excited to go to the bank to deposit money in my saving account where I accurately tracked the balance, and set savings goals in high school. These goals were all quite small. I never thought big or long-term. I’m also blessed that my parents had the discipline to tell me I had 4 years of college then I would be on my own. No support; I just had to make it in the world. My parents also showed me how to be responsible with money.

When I became independent with my first job, I was blessed that I made a lot of money for a 22-year-old. I worried incessantly about how to budget, what I should do with it, and what was right. I followed advice like “put 6% in your 401k and make sure to get the match” but never questioned doing more. Goals like saving an emergency fund would be my main focus, and after I saved up the money, I would get bored of seeing it sitting there, so I would spend it. Ultimately, I made more money than I needed for expenses and didn’t have long-term saving goals, so I would find ways to spend it but was disciplined enough to not overspend.

I am also blessed that I started working in July 2007. A year into my job at a large, international financial institution, the industry and world collapsed. I had money coming in and my job was safe because I was cheaper than other employees. At that time, I learned firsthand the benefits of buying low. I thought understanding money meant understanding the stock market. Since I’ve always had an interest in finance, I worked to understand how to buy and sell stocks. I opened an E-Trade account, deposited a couple of hundred dollars, and start buying.

My First Trading Account

I was fortunate to buy companies like Bank of America ($4.15/share), Ford ($2/share), and other large companies for low amounts of money. It would be okay if I lost the couple of hundred dollars I invested. I did lose some (thanks GM bankruptcy), but ultimately, I learned more than the money I lost. Over the next few years, those shares went up immensely. I sold them to put towards my down payment for a house in 2009. Imagine if I kept my Apple stock this whole time!

Getting My Feet Wet

I loved tracking my stocks and watching my portfolio. Market crashes are a great time to buy, but you have to understand the long-term perspective and not get emotional. While I understand the benefits that had for me 10 years later, I didn’t appreciate it at the time. I kept trying to understand what to do with my money, but I was never sure. I thought about buying a house in 2008, but after a day of shopping, I told the realtor that I wasn’t mature enough yet for this decision. Finally, in 2009, I made a decision to move forward with a new construction townhouse for $201,931. It was a HUGE purchase and a HUGE house with 3 bedrooms and 2.5 baths. 1900 square feet and just me. I should have house hacked it if I had the knowledge I have now.

At that time, my 2002 yellow VW Beetle named Frank started to die. I’m not passionate about cars, but I loved that little guy. I went car shopping, got completely overwhelmed and cried to my dad. He was looking for a new car, so he said I could take his Passat and pay him a car payment. Awesome! The car was a nice car. I considered it done and didn’t even think of the monthly payment. I paid it off in less than 3 years at $300/month.

Tracking My Spending

With a new house, a car payment, and an increasing income, I knew I needed to do something. I had to figure out personal finances. Somehow I came across Mint.com. I wrote about Mint before because I love this site. I’ve tracked my expenses since July 2011 when my net worth was $71,000. This was huge for me because it started giving me insight into my spending and net worth that I couldn’t see through the budget spreadsheets I would try to make

Around that time, I stumbled across a show on NPR called Marketplace Money. I listened to this religiously, and I could have discovered Mint.com through this show. I learned about credit scores and how to monitor your credit reports on annualcreditreport.com. That show was fantastic and provided a lot of good insight into personal finance that I had never considered before. When Apple released the podcast app in June 2012, this was my number one listen. I didn’t explore many other podcasts at that time.

My NYC Journey

In 2013, I decided to move to NYC. I had a good amount of money in savings and needed a change of scenery for my life. This led me to sell the car back to my dad and sell my house instead of renting it. I still wonder if that was a good decision when I saw the house was valued at $300,000 in July 2019. But looking back doesn’t do any good! I knew NYC would be expensive, but I wanted the experience. Before I moved, I interviewed several people who already moved there. Most of them told me it was impossible to not go into credit card debt when you live there. I have always been wary of debt, so my one financial goal was to live within my means.

During that time, I spent more of my savings than I would have wanted, but I didn’t add new debt. I started running while I lived there, and I listened to podcasts like Marketplace Money. When they canceled the show in June 2014, I was very sad. To this day, personal finance podcasts are my favorite choice of running entertainment.

Returning to Normal

I decided to end my NYC adventure a year later, but during that time I started a new adventure to visit all 50 states by the time I was 30. This would be expensive, but I would do it without going into debt. Living in the Northeast let me visit New England via train and bus, which helped with costs and time off work. When planning (and expensing) expensive work events, I collected AmEx points and exchanged them for Marriott gift cards. I used these to pay for a lot of my hotel rooms on my trips.

Even though this was an expensive goal, I was still contributing 6% to my 401k, dabbling in an employer-sponsored ROTH 401k that I didn’t understand, and tracking my spending. I know I wanted to understand it, but I couldn’t understand anything I read about it. I didn’t think to Google for more information.

My decision to return to North Carolina was the right one. I was going to start on a new career path, and my parents let me come home for a short period of time before I found a place to live in Greensboro. Unfortunately, this job was not the right fit for me. I ended up living with my parents for about a year-and-a-half while I figured out what to do. The end result was to work for our family business and move to Charlotte. Living with them not only help me emotionally, but it allowed me to have incredibly low living expenses and put money towards my goal of visiting all 50 states.

Anxiety and Independence

When I started working for our family business, I took a significant pay cut. I also moved out on my own again by buying a less expensive townhouse in 2016. My expenses were higher than they had been in some time, which made me scared. I didn’t know if I could pay all of my bills each month, even though I purchased a small house. I had money in savings, but the paycheck-to-paycheck life was overwhelming. In reality, it shouldn’t have been stressful. I needed to learn how to control my money. This fear is what I think leads most people to research and learn more about FI.

The Final Runway to Fi

In the midst of my financial fears and the wake of completing my first half marathon in November 2015, I knew I needed help getting my finances together. I remembered how much I loved running and listening to Marketplace Money, so I decided to search for a new podcast on personal finance. Here, I stumbled onto The Dave Ramsey Show. I had heard his name before, and I only associated paying off debt.

Since I “didn’t have debt,” I never thought it was for me, but I decided to give it a shot. I needed something to listen to. A few episodes in and I was hooked! I started listening to him in the summer or early fall of 2016. It gave me hope and a way to have a plan for my money. At the time, I had a car loan at 0% financing. Eventually, I made the decision to start aggressively tackling it in January 2017. I thought it would take me 2 years, but I did it in 6 months by controlling my budget and using my savings.

Mint.com gives you offers and advertisements as a way to keep the service free. One day during that time, I saw an advertisement for Acorns.com as a way to invest small amounts of money and grow wealth overtime. I’m always a fan of a new app and wanted to feel more financially secure. It was worth a try since I didn’t know how I was going to save for retirement.

Acorns has an email newsletter with articles and tips. One day in March 2017, I saw an article “How One 31 Year Old Went From Broke to Millionaire in Five Years” which started the biggest paradigm shift of my life. I couldn’t believe that someone my age could accomplish something like this. Grant’s dedication, focus, and outside-the-norm thinking was impressive. If he could do this, couldn’t I? His blog, which was probably the first blog I ever read, was so out-of-the-box; I was hooked. What amazing ideas! I couldn’t believe people were doing things like this. In addition, he had a podcast! I had more financial inspiration to listen to during my runs. I was still doing half marathons and trying to run often.

During this podcast, I learned about side hustles. It never occurred to me to earn money outside of my W-2 job. I read The Millionaire Next Door and read that millionaires usually have 6-10 streams of income. I needed to have multiple streams of income. My first side hustle was to rent out my spare room on Airbnb. I felt empowered and excited. When I purchased it, I had plans to turn my townhome into a rental one day. I knew I wanted to learn about real estate, and this was my first intro. I wanted to learn more, but I didn’t know how until I thought about my success with podcasts. Upon this search, I discovered BiggerPockets podcast.

At this time at the end of 2017, I had direction and a plan. I paid off my car, was fully funding my emergency fund, and I knew that I could accomplish these goals. It was then that BiggerPockets released their money show, and I stumbled into ChooseFI. My life plan changed completely – these two shows brought it all together for me.

My Takeaways
  • Search with curiosity. I’ve never been one to Google for things or spend time reading blogs. I wish I would have started sooner because there is so much information out there, and sometimes you just need one idea to push you in a new direction.
  • Learn from others. Blogging is a way for people to share their stories. People do so many amazing things! Explore ideas. If you have an idea, chances are others have to and they may be actioning it. Go and take a look!
  • Everyone should have a plan for their money. I think we use money to fill space. We shop, go out to eat, buy expensive drinks. It is all smoke and mirrors. It never occurred to me what else I could do with it. Make a plan for your life that is bigger than you thought it could be. You can do it!
  • The path may be long, but keep going. My Path to FI journey spans almost a decade because I just didn’t know what to do. But I kept thinking about it and each small stone unturned led me to something new. Everyone’s FI journey is different, but I truly believe everyone should take the journey.

Investing 101

I feel like an imposter writing this because I am not a CFP, CPA, or have any certifications in finance. Even though I am not a professional, I love to read about personal finance. I am interested in investing and the markets at a high level. Friends and family know this, so I had a few of them come to me because they are nervous about how the markets are performing right now because of the reaction to COVID-19. I wanted to outline my perspective on this in a way that (I hope) isn’t overwhelming or intimidating. It is basic information that I think all people should know and maybe this downturn is the wake-up call you need to start that learning process.

Annual stock market performance as of March 27, 2020
At a high level…

Investing your money is important to build long-term wealth, which is something we all want to do if you want to “retire” one day. It is your money. It is your responsibility to understand these things. Spend time researching these things and constantly learning so you understand and can take control of your future!

Do not invest your money if you…

This is because you want to use investments for the long-term. If you may take this money out of the market, that isn’t smart. Therefore, you should only invest money you don’t need to live day-to-day.

Types of Investment accounts

Assuming you are in control and planning for your future, you have a few options on where to invest. This is what I think people find confusing.

  1. Tax-advantaged (meaning you get a tax benefit in one way or another)
  2. Taxable (you will invest with your take-home money, so you already paid tax on it and will pay taxes on any gains you make. There are no tax benefits on these accounts.)

Let’s go a little deeper into these pots so you know what vehicles these include:

Tax-Advantaged: at a high level, these are mostly retirement plans. The government is giving you a tax advantage because they want you to plan for your long-term so they don’t have to. They are encouraging you by giving you a tax break. You may recognize some of these types of accounts (think of these as different pots):

  • 401k: different types, but company sponsored)
  • Traditional IRA: reduces your taxable income now, pay taxes when you take it out
  • ROTH IRA: invest after-tax money so you don’t pay taxes on its growth
  • SEP: for individual entrepreneurs
  • Simple IRA: 401k for small businesses
  • 403b: like a 401k for non-profit and government employees
  • 457: deferred comp plan for entities listed above
  • Healthcare Savings Account (HSA): available to individuals with high-deductable healthcare plans to help them plan for their future healthcare needs

Taxable: these accounts are a regular brokerage account where you can buy and sell securities. If someone says they have mutual funds with Charles Schwab or that they just bought some Apple stock with their broker, then the likelihood they did that in a taxable brokerage account is high, but you can still do those things in your retirement pots.

What do you Invest in?

So you have your pots (and likely have many different ones), but what do you put in them? Regardless of whether or not there is a tax break, you can buy or sell different types of securities. (This is very basic, and I think what everyone needs to understand. Like all financial products, you can make this much more complicated.)

There are two groups of securities:

  • Equities: This is when you are buying ownership or equity in a company. Think about your house, you have the value of your house – the mortgage (liability). The remaining amount is your equity or ownership. Publicly traded companies allow individuals and institutions to buy a share of their equity to give them more capital to grow over time.
  • Fixed Income: This is a note or a loan that will pay out a fixed amount of interest/income over time. You may have government savings bonds – this is a type of fixed income. Your mortgage note is an example of this on a bank’s balance sheet, whereas it is a liability on your personal balance sheet.
How do I purchase securities for investing

There are a lot of ways that you can purchase securities, and it all depends on your risk profile, timeline to invest, and understanding of investing. For the purposes of this article, I want people to understand that you can buy any of the below items and put them in any of your pots. There are pros and cons of each, but this is where you need to learn, research, and feel comfortable with where your money is going. You can put any of these into any of the pots listed above.

  • Mutual Funds: These are a group of stocks (and/or bonds) that a firm will put together to meet various goals. You may have a group of stocks from all non-US companies which could be labeled as an “international fund.” Another one may be built with long-standing, stable companies (think Coke or Johnson & Johnson) for a “large-cap” or “growth and income” type fund. Another one may be made entirely of tech stocks that will fluctuate a lot since it’s a less stable industry, but it will likely see a lot of growth.
  • ETF: This stands for Exchange-Traded Fund. These have lower fees than mutual funds and can be made up of different types of investments. This review will give you a lot more information!
  • Index Funds: This means there will be lower fees since the stocks in this fund are built to mirror a certain exchange or index (like the S&P 500, a total stock market, FTSE100, etc.) There isn’t a lot of thought that goes into these because they are going to deliver what the market brings. That means, their returns will be what that specific market returns.
  • Individual stocks or bonds: You can also go to your brokerage service and buy individual options instead of the pre-packaged, already diversified options that are listed above. The general consensus is this is not the way to go for long-term investing as an index fund will outperform most individual stock-pickers’ success rates. Even Warren Buffett agrees.
What I do

I would never suggest someone copy me and my investment strategy because everyone has different goals and different levels of risk. That being said, I really enjoy hearing about how people invest and manage their money to see if there is anything I could do to improve my portfolio.

Currently, I house almost all of my pots at Fidelity because of their low fees and no commissions. People will also recommend brokers like Vanguard, Charles Schwab, and others. I use Fidelity likely because my first job ran our 401k through Fidelity so I know the site. As of March 2020, I have a rollover traditional IRA, a ROTH IRA, a trading account, and an HSA. I also have a trading account at E-Trade because that is what I used when I first started buying stocks during the 2008 crash.

My accounts
  • Rollover traditional IRA: This is made up of all of my 401k contributions from my first job. I rolled it to an IRA because I didn’t need it in the 401k anymore. New money cannot be added to this account, so its outstanding balance is what it is. I just watch it go up and down. Since this is for the long-term, I invest in a total stock market index fund. Dividends get added in as the fund earns them, but I cannot touch the money.
  • ROTH IRA: I have been building this up over several years and was able to roll over my ROTH contributions from my first company into this fund. Since I paid taxes on it already, the government doesn’t need to track it separately. Since I follow the Dave Ramsey baby steps, I put 15% of my income into retirement. This is the first place I put my money. You can contribute up to $6,000/person each year unless you are older. I invest in the same total market index fund as my rollover IRA (FSKAX).
  • Trading Account: This is where I put any extra retirement funds and also have fun investing in stocks. I don’t invest a lot of individual stocks, but when the markets go south like they are now, I have a lot of fun buying poorly performing companies that I understand (currently airlines, cruise lines, a share of Disney, and such) that I believe will come back when the world recovers. This is not part of my wealth strategy, just something I do because I love doing it. It is an insanely small part of my net worth, but I love to watch how they perform. Any long-term funds are put into a total stock market index fund. Since this is a taxable account, I can pull the money out at any time. I may do this at some point to buy rental real estate.
  • Healthcare Savings Account: I decided this year that I should invest my HSA for the long-term, but I don’t think this is something everyone should do. I have been lucky because I have been generally healthy and have an emergency fund saved. Last year, I was able to have an HSA for the first time in a while, so I want to make the most of it. I plan to use this for the long-term, so I’m investing in a total stock market index fund for this. Once I get to age 65, I can pull this money out for anything without a penalty. Until that time, I can only use it for healthcare-related expenses. Later in life, maybe I will change this strategy, but for now, I’ve decided to use this as a retirement-like account.

Next Steps

  1. Track your net worth with a tool like Personal Capital
  2. Create goals. What do you want to accomplish in your future? How much money will you need to make that happen? You may not know the specific amount, but if you have goals, then saving for the long-term will be easier.
  3. Know what pots are available to you. Do you have a 401k at work? Have you been contributing? Do you have accounts from a former job? Try to collect everything.
  4. Read and learn. After you know where you are, learn more! This is just an intro. That new knowledge will help you go in the right direction.
Helpful Resources
  • Dave Ramsey (love the podcast and listen to it daily)
  • ChooseFI (I love their podcast. It’s definitely worth it to listen to catch up on old episodes)
  • BiggerPockets Money Podcast (Same as ChooseFI – listen to the old episodes, and then keep up with the new interview weekly!)
  • There is a whole slew of books I love, but I’ll list those in a future post!

Mint.com: Insight into Your Finances

Most people have heard about Mint.com, but I don’t know many people who actually use it. I started using Mint.com before I bought my first house in 2009. It took many, many months for me to figure it out, but once I did, I loved it! I recently fell into a rabbit hole (a phrase I use often) in exploring new apps and technology; therefore, I decided it may be fun to write about some of my favorite or new apps on my blog. The power of technology amazes me! As a history lover, I can’t imagine what Teddy Roosevelt’s life would be like if he had a smartphone. Some of the romance would disappear, but wow, could he have accomplished so much more!

The Overview

Mint.com is a site for people to manage their personal finances. I almost always pay with a credit card, so this is a very easy system that automatically imports your transactions and categorizes them into spending types. I use mint.com to get an understanding of how much money I am spending and where. Sound financial management is very important to me.

Tips for Using

  • Be patient and spend time with it. It takes time to understand the categories and label your spending habits. The system is decent matching expenses to categories, but it needs time to learn. It’s a good activity to do when waiting for a doctor’s appointment or a meeting to start.
  • Be consistent with labels and updates. For whatever reason, I started categorizing all of my work expenses as “Business Services.” It really doesn’t make sense to an outsider, but it does to me. When I get reimbursed from work, then I flag my reimbursement as a “Business Service” so it nets to 0. You can make up your own categories, but I wasn’t planning ahead back then.
  • Set goals. A major purpose of mint.com is to set financial goals and link accounts to show how close you are to achieving them. I did this for trips and a rainy day fund. It was so rewarding when I achieved them! There is another one for retirement to show I am still on track for my goal – too bad I’m not there yet! I wish they had a goal to pay off your house early, but maybe that will come later.
  • Free basic credit score. Each quarter, mint.com will run your credit score. Hey, it’s a good thing to make sure it’s where you think it is! (You can also visit freecreditscore.com for a free report each year from the 3 agencies.)
  • Research their recommendations. Please note that mint.com is a free service, but they get paid for advertising credit cards and other financial tools on the website. I have researched some of these things over the years, and last week (after a year of researching), I decided to get another credit card. More to come on this, but it’s part of my plan to maximize rewards points. It’s also where I found another app Acorns, which I am excited to use more!

The Final Say

So with that, take a go! I truly enjoy this app and use it daily. Understanding where you’re spending money is the first step to being able to manage it. If you haven’t started yet, do!

Beginning to Budget

Personal Finance is one of my favorite topics to learn about. Whether it’s reading articles or listening to podcasts, I find the topic fascinating. Since it affects a large part of my life, I’m taking it as a good thing. In no way am I a trained professional; I just like to learn and talk about it.

For the past month, I have made a bigger effort in budgeting and controlling my spending. I have a healthy income, but it’s significantly less than I use to make. I’ve been blessed in that I’ve always tracked my spending, but I didn’t have to worry a lot. I set some new financial goals, so for me to achieve these, I need to save more money. My current motivation is listening to Dave Ramsey podcasts.

Most people know his name, but I’m not sure how much people know about him. I personally didn’t know his principles, but once I started listening to people’s stories about how they turned their life around, I was intrigued. Even though I don’t agree with all of the details, I love the philosophy. An example is that I wouldn’t get rid of my credit card. I am too worried about online security to use a debit card online, and I enjoy benefiting from travel / cash back perks. I pay my credit card off every month and would never consider carrying a balance. However, if you have credit card debt, and that is a weakness for you, eliminate the problem and cut up the card.

Budgeting Takeaways

I didn’t do a perfect job budgeting this month, but it opened my eyes to how much unnecessary money I spend. Food is the biggest area of change for me. Whether it’s buying a lot of food at the grocery store (unnecessary), snacks on the go, or eating out, I can change my behavior to buy less. This month was an additional challenge because I planned two trips. I packed food before I left and watched what I spent at restaurants. Even doing this, it was hard. There were so many times when I thought, “I think I’ll go buy this” until I reminded myself of my goals. This is a huge paradigm shift for me.

February will be another tough month because of my trip to Switzerland. I’m preparing my budget now. Until next time, happy wanderings!

Reward Points – the start of a new adventure

I’ve been thinking about this for a long time, but today I finally jumped and took the plunge! I’m going to figure out how to maximize using reward points to help me travel. Since I make less money than I used to, but my desire to travel is as big as ever, I need to find a way to make it happen. When I bought my first house, I used my credit card points to buy towels, pots/pans, and other decor. It worked out nicely!

First off, this world is pretty complicated. I mean, there are probably thousands of credit cards out there. It’s not like you can sample cards and figure out which one works best. You can’t continue to open and close cards either because it can affect your credit score. Two big sites helped push me over the edge – Mint.com and The Points Guy. I’ll have a separate blog post about Mint.com, but I’ve been a fan of The Points Guy for a while. He has a beginner’s guide that I found very interesting and helpful. Stay tuned as I start to learn more, but so far I decided to take the following steps…

  1. Applied for Chase Sapphire Preferred card (crazy how fast you can get approved!) which is supposed to be great for travel. Plus, it doesn’t have foreign transaction fees which I need for my trip to Zurich in February.
  2. Made an account and started linking my reward programs to AwardWallet. It’s a free site (there is a Plus version), but essentially it tracks all reward programs (airlines, food, hotel, etc). I had tried TripIt Pro‘s program in the past, but I didn’t like it. One day in, and so far I like AwardWallet. More to come!
  3. Researching other ways to save or grow money. Currently looking at Acorns, Wallaby, Mint.com, and general budgeting techniques.

Once I start to figure things out, I’ll keep you posted. Any tips or experiences would be appreciated! I have some big goals…I can’t wait to turn these clip art pictures into my real pictures! Switzerland, Paris, and Machu Pichu – here I come! Until next time, happy wanderings!
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