Are You Part of the Top 1%?
There is not a lot of love for the top 1% to put it simply. It is very politically charged topic whenever you bring the top 1% up. Many people think it is unfair that anyone should make that much,…
Category Money
Renting Vs Buying a Home. Are you Throwing Your Money Away Renting?
It is the question many people find themselves in. Should they buy a house or rent? Both have pros and cons, but many believe that buying over the long term is the better option. While that is true, it is also…
You Need a Budget (YNAB for short) and Debt
We talk about debt at Cents of Time and you hear the word thrown around a lot. That is a bad, that it is good, some is good, some is bad, but rarely do you get to the why behind…
Should You Spend $1,000 or More on A New Smartphone? The Journey of Buying a New Phone in 2020.
This is not the first time we have tackled buying smartphones. It is something nearly all of us (there are still a few that not only do not have a smartphone, but a cell phone at all!) will buy. We…
Student Loans…What is the Real Problem?
We told our personal story with students loan before which you can read here. We wanted to take a second look at some of the reasons we think that this issue has gotten even more out of hand in the…
Calculate Your Time With a Dollar Value. Are You Spending the Right Amount on it?
Budgeting money is a key concept that everyone in life, whether you are rich or poor, young or old, should understand and practice. We all might have different systems that we use, but at least by budgeting we can all…
Student Loans- What’s the Big Deal? Our Story and Personal Journey Paying off over $70,000 in 7 years
We are not trying to be political here at Cents of Time. We just like to cover anything that involves personal finance. Student loans fall under that category and we think there is a big misunderstanding regarding student loans in…
Train Your Brain. It is More Powerful Than You Think.
We all know how important exercise, eating a balanced diet, and getting a good night sleep are. Doctors call them the 3 pillars of good health. They all play a role in helping you be healthy and live a long…
Is Black Friday Still Relevant?
I have a confession to make… I used to love Black Friday. I was the person who studied the different ads, made a list, checked it twice, went out first thing on Friday and even a few times on Thanksgiving.…
Dave Ramsey Baby Step #7- Live and Give Like No One Else
You made it through all of the baby steps! Congratulations! You can take your giving to a whole other level and not have to worry about any financial stresses because you have everything paid for and lots of money in…