One of the most over-used, over-rated, over-hyped financial cliches out there is “spend less than you earn” or similarly spend less than you make”.
We’ve all heard it. Many of us have lived by it. But is …

“If you wouldn’t do your job for free, then find a new one.”
I’m not sure who originally came up with this notion, but I’ve heard a number of my colleagues and a number of writers …

It’s easy to put off saving for retirement until mid-life, take out a 30-year mortgage on a big home, watch cable TV to pass time, rely on student loans instead of working to pay off …

Happy July 4th! Independence Day. Quite a fitting day to unleash a new slogan here at 20somethingfinance.
But before I tell you what it is and why it’s central to the blog, I want to tell …

I’m really in love with the idea of diversifying your income streams.
And I don’t mean “diversifying” as a means to survival – i.e. the single mother who NEEDS to work three low paying jobs to …

We all have different reasons for being interested in personal finance.
- Getting out of debt.
- Buying the shiny, latest new thing.
- An education, a home, retirement.
- Protection against any possible hardship.
- The freedom to do …