Decisions

How to stay motivated when paying off a mortgage

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Creating little milestones will help you stay motivated and give you a sense of accomplishment, even if your mortgage takes years to pay off. I logged into my mortgage account this month and saw something very exciting: Do you see … Read More … Read More

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How to write 750,000 words: 10 years of Empathic Finance

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I reflect on ten years of blogging, working to help people succeed with their finances and live a more authentic and radical life. On November 12, 2012, I was in a hostel on the big island in Hawaii. While on … Read More … Read More

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Sign up for student loan debt relief right now

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Student loan debt relief is here, but Republicans are trying to stop it from happening. You should sign up now anyway. In August of this year, President Biden announced that millions of people would be getting some or all of … Read More … Read More

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Is it too late to buy a home?

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With rising mortgage rates, some people may be wondering if it’s too late for them to buy a home. I believe that is the wrong question to ask. You’ve doubtlessly noticed how everything is getting more expensive, whether it’s food, … Read More … Read More

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Why you don’t charge what you’re worth

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As a therapist or other private practitioner, you may struggle to charge enough for your services, but here’s why you should raise your rates. I’ve been enjoying giving my continuing education class for therapists on financial wellness in the therapeutic … Read More … Read More

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Are you ready to lose your job?

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Most of the important steps you need to take to handle a job loss happen before you lose your job. Here are those steps. A few years ago, I was let go from my full-time job. It had nothing to … Read More … Read More

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Is it safe to put your money in stablecoins?

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I look at cryptocurrency stablecoins and how they are used, and compare them to the original stablecoin, the U.S. dollar. I don’t know if you know this, but I’ve started syndicating all my content over on Medium. You can subscribe … Read More … Read More

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Worried about the markets? You need to HODL.

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I use the HODL meme from Bitcoin to show how it’s actually more widely applicable to your investments with real money. Things aren’t looking too good for the economy right now. Inflation is up, and gas prices are so high … Read More … Read More

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This is why you don’t want an adjustable rate mortgage (or private student loans)

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An adjustable rate mortgage seems like a good idea, but when interest rates start to rise, you’re going to regret your choice. This past week, the Federal Reserve raised its benchmark interest rate by three-quarters of a percent. The last … Read More … Read More

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Why you should get a refund and not store credit

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When you make a return, many retailers want to refund your money to store credit or a gift card, but here’s why you don’t want to do that. I had to return an item the other day on Amazon. It … Read More … Read More

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