How to Negotiate with Creditors (And Actually Win)
I’ve spent the last twenty years buying, selling, and leasing commercial properties across the Midwest. In my line of work, negotiation isn’t an academic exercise—it’s how I put food on…
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Should You Pay Off Your Mortgage Early? The Math Says Maybe.
Ask ten people whether you should pay off your mortgage early and you’ll get two loud camps. Camp one: “Debt is slavery, kill the mortgage, sleep like a baby.” Camp…
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The 50/30/20 Budget Rule: Does It Actually Work?
You’ve probably heard of the 50/30/20 rule. A senator wrote a book about it. Personal finance blogs repeat it constantly. It gets packaged as the simple, elegant answer to budgeting…
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How to Start Investing with $1,000: A Plain-English Guide
A thousand dollars feels like both a lot and not enough at the same time. It’s enough to matter — enough that losing it would sting. But it doesn’t feel…
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Mortgage Payoff Calculators & Comparisons: What the Numbers Actually Tell You
Most people have no idea what their mortgage is actually costing them. They know the monthly payment. They vaguely know the interest rate. But ask them how much total interest…
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What Happens If You Pay an Extra $200/Month on Your Mortgage
What Happens If You Pay an Extra $200/Month on Your Mortgage By Mark Caldwell | PlainMoneyAdvice.com Most people look at their mortgage statement, see that minimum payment, and write the…
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How to Pay Off $30,000 in Debt in 3 Years (Real Math)
Most debt payoff advice sounds like it was written by someone who has never actually been in debt. This isn’t that. Here’s what the numbers actually look like — and…
