Category Archives: free

Share track: Cancelled Comcast, Saved $80 a Month

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Success with TS – If You are Making Payments on It You Don’t own It

Success with TS – Leasing a Vehicle is NOT for this Millennial Dad

Success with TS – Side Hustle your way to Extra Money

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Happy Reading,
TS_

Millennial Money: Turning in Our Leased Subaru Early Saves Us at Least $5,000 a Year

ST PAUL, MN–Yesterday, we saved our family $5,000 a year. We took our leased Impreza Sport in early and will now drive a minivan we bought with cash, per Dave Ramsey’s influence in The Total Money Makeover.

Our situation–saving us nearly $500 a month–is not average, nor is it normal by any means: 1/3 of all new cars are leased per average on 2018 consumer reports; nearly half of American adults rely on auto loans to pay for their vehicles: NOT OWNED.

We own our minivan outright, that’s unusual in a world where living on credit is standard. And by owning with no payments we save, BIG TIME. Also, by owning, within our means, we get out of debt sooner.

No more $343.17 a month to Chase for the Subaru we NEVER owned. No more $135 a month for insurance, high-end comprehensive, required by the lease agreement. On the minivan our first payment was the last!

We stopped paying for Subaru and Chase’s beach house, we are going to buy our own eventually, and sooner now.

I share our story because you too can do anything with a plan, action and a goal. Time to buy with cash, stop living beyond our means on credit. Patience and persistence to long-term success, good luck.

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Please consider a donation of any amount, as many already have.

None of the profits made off of advertisements on my blog go to me, the curator, creator, writer.

If you can’t get to my Paypal page because it’s busy, keep trying.

https://www.paypal.me/TSNiebeling

Happy Reading,
TS_

Social Media Influences YOU to Live Beyond Your Means

AMERICA, USA–When scrolling social media you will notice people you don’t care about trying to impress you with their contrived best, the most filtered and most beautiful parts of their lives as they depict them.

Now more than ever is the time to realize that the tool that is social media is the ultimate consumerism, the ultimate peer pressure, to convince you there are no flaws or fault in spending beyond your means. Wrong!

Millions upon millions try to get their perfected portraits up too, using credit cards and buying trips and coffee beverages they cannot afford in order to finance their image, to compete in a made-up game, to impress others doing the same thing.

The time is now to live within your means and without social media. Move beyond the unrealistic and the unattainable and step into a reality of improving your personal finance and your real life relationships.

Build your beach house.

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Please consider a donation of any amount, as many already have.

If you can’t get to my Paypal page because it’s busy, keep trying.

https://www.paypal.me/TSNiebeling

Happy Reading,
TS_

Deactivate Your Social Media and Reactivate Your Life

EVERYWHERE, USA–Even with endless connection through social media, Generation Z and Millennials report feeling lonely. This is a clear sign that there is a need to deactivate societal social media account, and that social media is anything but social.

In the time a person can scroll a page endlessly they could have read book on self-help. They could have met a friend for a walk. A person could have started a side gig and paid down on crushing credit card or student loan debt. A person could have learnt a skill and realized they were happier with less constant interaction.

Social media can be a useful for staying in touch with old friends (so too can handwritten letters and phone calls). However, social media is not a friend, not even close. It is time to take your real life back by deactivating your social media and reactivating your life. Upgrade your life today.