free-spirited nerd

debt snowball vs debt avalanche wonder which is better

Debt Snowball vs Debt Avalanche – Free Debt Payoff Excel Spreadsheet

Debt Snowball vs Debt Avalanche: What’s the difference, and which one works best? It’s no secret that your biggest wealth-building tool is your income. Different personal finance gurus have varying opinions on whether the snowball method is better for paying off debt or if the avalanche will help you obtain financial freedom faster. Dave Ramsey …

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Debt Snowball vs Debt Avalanche
winning pinterest strategy

Winning Pinterest Strategy for Blogs: Tailwind Tribes Tips for Beginner Bloggers

Y’all! I am so excited to share with you my winning Pinterest strategy for blogs and how I grew my audience by nearly 1000% in just 30 days! When I first started blogging, I had no idea how important Pinterest was in terms of driving traffic to a blog. In fact, I thought it was …

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winning pinterest strategy
finding your voice through blogging

Top Financial Bloggers {Who to Follow this Year}

Looking for a list of the top financial bloggers to follow this year? I’ve been following several financial bloggers for the past 12 years, and it’s incredible how much good advice is available at our fingertips. What’s scary, though, is that literally anyone can start a blog today and start giving financial advice, with no credentials. …

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finding your voice through blogging
living paycheck to paycheck

DTI Ratio for Conventional Loan {Calculating Debt to Income}

Today I’m explaining a bit about the differences between the DTI ratio for conventional loan (or debt to income ratio) vs other home loan types and why it’s important when buying a house. The definition of debt to income ratio is simply debt divided by income. But it’s a little more complicated than that when calculating. Let …

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living paycheck to paycheck
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