Optimal Finance Daily - Financial Independence and Money Advice

J. Money of Budgets Are Sexy shares 6 secrets for a good credit score

Episode 1602: Six Secrets of a Credit Score by J Money of Budgets Are Sexy on The Importance of Good Credit Scores

J. Money is a 6’1, hyperactive, rock a ‘hawk who loves drinking beer, blaring hip-hop, talking about money, and now playing with his two adorable baby boys.
He tracked his expenses for 3 months, made a budget, read some books, and stumbled into personal finance blogging and idea sharing, randomly turning BudgetsAreSexy.com into his full time “real job” a few short years later--14 million views later!

The original post is located here: https://www.budgetsaresexy.com/six-secrets-of-a-credit-score/ 

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Chris Reining makes the case for higher pay and discourages 3% pay raises

Episode 1601: Making The Case For Higher Pay - Why 3 Percent Raises Suck by Chris Reining on Income Increases

Chris Reining is an investor, writer, and avid student of life. He shares how to build wealth and reach financial freedom on his website ChrisReining.com.

The original post is located here: https://chrisreining.com/making-the-case-for-higher-pay-why-3-raises-suck/ 

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ESI of ESI Money shares money resolutions that he feels everyone should consider.

Episode 1600: Money Resolutions Everyone Should Consider by ESI Money on Making Financial Progress

ESI Money is written by "ESI", a 50-something retiree. The site is basically a list of what's allowed him to become financially independent and how you can implement those successes in your life. His philosophy is simple and focuses on doing three simple things to achieve financial independence: earn, save, invest. There's a bit more to it than that, of course, but if you can concentrate on these three areas, they will get you at least 90% of the way there.

The original post is located here: https://esimoney.com/money-resolutions-everyone-consider/ 

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Tiffany Aliche of The Budgetnista shares 13 tips to curb your spending.

Episode 1599: 13 Tips To Curb Your Spending by Tiffany Aliche of The Budgetnista on Adjusting Your Spending Mindset

Tiffany Aliche, is an award-winning teacher of financial education and is quickly becoming America’s favorite, personal finance expert. She has made it her mission to empower women and provide them with access to the tools and resources needed to create a better life for themselves and their families.

Through her company, The Budgetnista, Tiffany has created a financial movement that has helped over 800,000 women worldwide collectively save more than $100 million, pay off over $75 million in debt, purchase homes, and transform the way they think about their finances.

The original post is located here: https://thebudgetnistablog.com/13-tips-to-curb-your-spending/ 

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Misty of Women Who Money talks about saving money when living paycheck to paycheck

Episode 1598: How Do You Start Saving Money Living Payday to Payday by Misty with Women Who Money on Financial Smarts

The co-founders of Women Who Money are Amy Blacklock from Life Zemplified and Vicki Cook, from Make Smarter Decisions. Vicki and Amy connected initially online and eventually met in person at a financial conference in the fall of 2017.

They’ve both reached financial independence and left full-time work to devote more time to family, pursue passion projects, and embrace fun and challenging opportunities.

They enjoy collaborating on original content and sharing great articles written by and for women.

The original post is located here: https://womenwhomoney.com/saving-money-living-paycheck-to-paycheck/ 

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Robert Farrington of The College Investor talks about how to pay off $10,000 of debt in one year

Episode 1597: How To Pay Off $10,000 Of Debt In One Year by Robert Farrington of The College Investor on Money Strategies

Robert Farrington is a personal finance expert that focuses on helping millennials get out of student loan debt and start investing for their future. He also helps parents make smart choices about college financing options and navigating the complex world of paying for school. He started The College Investor in 2009 as a forum to discuss the myriad of financial issues facing young adults.

The original post is located here: https://thecollegeinvestor.com/18764/pay-off-10000-debt-one-year/ 

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Andrea Joy of Saving Joyfully talks about how to recognize our financial pitfalls.

Episode 1596: The Internal Financial Struggle by Andrea Joy of Saving Joyfully on Recognizing Financial Pitfalls

Andrea Joy is the creator of Saving Joyfully, a personal finance and frugality blog emphasizing joyful living. On her website, savingjoyfully.com, she offers inspiration and resources for your journey to financial freedom.

The original post is located here: https://www.savingjoyfully.com/blog/the-internal-financial-struggle 

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Dawn Starks of Simple Money Pro talks about how adding value brings in more money.

Episode 1595: Want to Make More Money - Just Add Value and Stir Well by Dawn Starks of Simple Money Pro

Dawn Starks has been a financial planner for over twenty years. Her aim with financial planning work has always been to simplify things for clients. Making concepts easier to grasp and less scary is the goal. Dawn's SimpleMoney project - the blog, podcast, and soon-to-be courses and book is a co-project with her husband Greg.

The original post is located here: https://simplemoneypro.com/blog/want-to-make-more-money-just-add-value-and-stir-well/ 

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Kumiko of The Budget Mom tells you whether or not you should close your credit card after paying it off

Episode 1594: Should You Close Your Credit Card After Paying It Off by Kumiko of The Budget Mom on Pros And Cons of Credit Cards

Kumiko went from having a pile of credit card debt to becoming a successful budgeter and Accredited Financial Counselor. The Budget Mom exists to empower women to build a life they love on a budget they understand and can afford.

The original post is located here: https://www.thebudgetmom.com/should-you-cancel-your-credit-card-after-paying-it-off/ 

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Kiersten Saunders of Rich and Regular tells us what it means to be a passive investor

Episode 1593: What It Means To Be A Passive Investor by Kiersten Saunders of Rich And Regular on Finding Your Sweet Spot

Julien and Kiersten started rich & REGULAR in 2017 after their stint in real estate investing led them to discover the F.I.R.E movement. At that point, they'd listened to their friends complain about doing everything right, and still not really "feeling" happy with the financial progress they'd made. Their blog became a place where they not only shared in their frustrations, but offered solutions to a richer and happier life. They could not have imagined that just a few years later, they would sign a book deal with the world's largest publisher, Penguin Random House. But that's not all. Their blog has afforded them opportunities to work with incredible brands, world-class media and into the fast-paced world of digital entrepreneurship.

The original post is located here: https://richandregular.com/what-it-means-to-be-a-passive-investor/ 

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