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Should You Refinance Your Student Loans?

Vanessa and I both had student loans after graduating, and we fought hard to pay those loans off. We didn’t refinance or consolidate our student loans, because we put 100% of our available income toward repayment. This allowed us to knock out nearly $30,000 in student loan debt within our first year of marriage. Our personal plan won’t

Changing Household Financial Roles within Marriage?

This is a sponsored post by Chase. The content and opinions expressed below are attributed to the Cash Cow Couple. Before we were married, my husband and I had extensive conversations about how our finances would be managed within our marriage. This ranged from small details like who would pay the bills, to big picture

Should You Consolidate Your Student Loans?

With regard to student loans, many people use the terms refinance and consolidate interchangeably. They are not the same thing. Refinancing involves taking out a new private loan to replace one or more existing student loans (federal or private). Most individuals refinance to obtain a lower interest rate loan. Consolidating a student loan is a process

Which Student Loan Repayment Plan is the Best Option for You?

Student loan debt has become a struggle for many Americans. The total debt outstanding is nearly $1.5 Trillion, and more than seven million borrowers are in default. Millions more are behind on payments, or unable to make more than the minimum monthly payment. For those with outstanding student loan debt, there are several options that might

Republic Wireless Review – New Phones and Better Service

I first reviewed Republic Wireless two years ago when my parents were looking for a new carrier. I then wrote about the service again after they updated the firmware and released 2 new phones. To recap: Republic Wireless is an innovative company that I first found while doing research on high quality, low cost cell phone providers. The founders had

Should You Invest or Pay Off Your Debt?

A close friend of mine asked me the following question: “My wife and I both have some student loan debt and a mortgage, but we would like to begin investing. Should I prioritize paying down the debt, or investing?” This is a common question, and many blog readers struggle with making a similar decision. My

TradeKing Review – One of the Best Brokers in 2016

TradeKing is a discount online broker, allowing self-directed investors to buy and sell stocks, options, bonds and mutual funds via electronic trading platform or by phone. Since 2005, the firm has offered investors low-cost commissions and quality customer service. Amid countless other brokerage firms, TradeKing continues to improve and evolve. In recent years, they have done the following: Improved overall

Creative Strategies to Pay Off Debt Quickly

Any type of high-interest consumer debt is detrimental to your financial success and overall well-being. The ongoing interest and fees can destroy your ability to manage monthly cash flows and prevent you from reaching your most important financial goals. Furthermore, research has shown that debt can lead to numerous health problems. If you are currently in

How to Get Out of Debt Fast: The Complete Guide

Being debt-free is one of the best feelings in the world. I remember the excitement that Vanessa and I felt after submitting our last payment toward our student loan debt. It was such a liberating moment in our life. I want blog readers to feel that same joy and freedom, which is why I have put

What is Financial Planning and Why Should You Care?

During my PhD, I’ve taught numerous classes related to personal financial planning. In these classes, I’ve noticed that many students don’t understand the financial planning process. If my students don’t understand the process, and they are enrolled in a CFP® Board registered academic program, then what about the general public? I’m guessing few individuals outside of the financial