In 2007, I had a dream of taking my future family on a ski vacation. I was an avid snowboarder and my wife enjoyed the tranquility of Lake Tahoe. After receiving a good bonus, I bought a two-bedroom, two-bathroom condo at Everline Resort in Palisades. Our son came ten years later, but we didn't go| Financial Samurai
With negative cash flow, I've embarked on a mission to trim unnecessary expenses from my budget. In times of surplus cash before my home purchase, I hadn't scrutinized my expenses for years. It's not that I was lazy about budgeting; instead, I've always embraced the 'pay myself first and spend the rest' strategy. Each month,| Financial Samurai
Now that cash flow is tight, I've reviewed all the expenses where I could potentially cut. One such expense is a private sports club membership. I joined the club in February 2023 when it was raining nonstop for three months. I was getting cabin fever so I decided to pay $180 a month for access| Financial Samurai
Living paycheck-to-paycheck is an unpleasant financial experience. Not only does it mean needing to spend everything you have to make ends meet, it may also create an ongoing feeling of despair. Never feeling like you’ll ever get out of the rat race and retire is demoralizing! You might even have to get into debt to| Financial Samurai