Paychecks and Balances helps working professionals make money, save money, and get out of debt. 2019 was a very good year for the blog, including winning the Plutus Award for Best Millennial or Gen Z Blog! We also received several additional media features, like CBS News, Nerd Wallet and many more. Check out 2018’s list here. Below are our best blogs on money, career, and investing for 2019.
Best Money Blogs
10. Losing Two Jobs in One Week May Have Been the Best Thing that Ever Happened to Me – This is the story all about how I applied for over 100 jobs–although none were in West Philadelphia–and still ended up losing two jobs in one week.
9. A Random Walk Down Wall Street: The Time-tested Strategy for Successful Investing by Burton G. Malkiel – “At least the core of every investment portfolio ought to be indexed. I recognize, however, that telling most investors that there is no hope of beating the averages is like telling a six-year-old that there is no Santa Clause.”
8. Debt Snowball vs Debt Avalanche: Just $10 a Month Could Save You 11 Years and $1,600 in Interest Payments – on a credit card balance of $2,000 “just by sending an extra $10 for a total payment of $60 instead of the minimum of $50, you could save yourself 11 years worth of payments.” Owe more than $2,000? Use this debt calculator instead. Too many people never start their debt free journey because they have convinced themselves that they have to make some grandiose gesture before they can start striving for financial independence. This is a false narrative.
7. How to Recession Proof Your Personal Finances and Investments in Three Steps – Recessions, which are themselves corrections to bubbles, Irrational Exuberance, or other factors outside of our control are a natural occurrence. We have been so fortunate to be a part of one of the largest expansions in U.S. History (over a decade) that some began to argue recessions are a thing of the past. Revisionists will always argue recessions are a thing of the past right up until they are a thing of the present, again.
6. These are the Other Lies It’s Ok to Tell During Your Next Job Interview – Millennials are twice as likely as other generations to lie on their resumes. This post is not about lying on your resume. Apparently you’ve already mastered that skill. Honesty is always the best policy; except for when it isn’t. This post is about all the other things you might as well lie about during the interview process.
5. From $130,000 in Debt to $100,000 in Net Worth ft. Pennies to Wealth – “Our financial journey started shortly after my mother took her own life. We were financially unprepared for the unexpected expenses that came with her death in the summer of 2015. We had about $200 in the bank and a few maxed out credit cards, so we had no idea how we were going to get from California to North Carolina. This experience woke us up to the fact that we needed to get rid of all of our debt and always keep an emergency fund in place. We never wanted to feel helpless because of money ever again.”
4. This Accountant Shares How He Taught Himself to Pay Off $116,000 in Debt – In this Personal Finance Spotlight, Lawrence Gonzalez talks about how he went from a net worth of -$110,000 to +$116,000 in just four years by age 36.
3. The Student Loan Doctor Has Helped Thousands Save Millions – We met Sonia Lewis, aka The Student Loan Doctor, in sunny Florida while attending FinCon18. For someone with 38,000 followers (and counting) on the Gram and a resume including accolades from the Steve Harvey Morning Show, The Shade Room, BET, The Ricky Smiley Show and more, she was far more humble than I’ll ever be when I blow up and forget where I came from. “In just 2 years, the Student Loan Doctor LLC has helped thousands of borrowers, collectively, save over $4 million in student loan debt.”
2. I Made My First Million, And I’m Still Broke – According to the most recent Census data, the average person earns nearly $2.7 million over his or her lifetime. Yet, 1 in 3 Americans have $0 saved for retirement.
1. How Dave Ramsey’s Debt Snowball Helped Amber Guyton Pay Off $89,000 in Two Years – Amber is a 32-year old single African-American woman who paid off $89,000 in debt in 25 months!
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