Finances

Money doesn’t have to be this ambiguous thing that we don’t talk about.

Here are money thoughts and lessons learned from an ambitious millennial (me) who wants to pay off debt, build wealth and travel.

If you have a specific question, feel free to email me at thethoughtcard@gmail.com.

BUDGETING

CARS

INVESTING

REAL ESTATE

Millennial homeowners: Tips for buying your first home in you twenties.

STUDENT LOANS

Latest Articles

Budgeting

4 Tips for Setting Achievable Financial Goals

Although many people set financial goals every year, most do not end up accomplishing them. Why is that? While many get distracted throughout the year, I challenge you to take a good look at the goals you’re setting for yourself. Are your…

Multiple Bank Accounts. Bear and Bull Market Trends Investors Should Know About

Investing

Understanding Market Trends: Bear and Bull Market

Updated May 2020: Although originally published in 2018, this article is sill relevant during the worldwide 2020 pandemic. A recent conversation with my friends prompted me to write this blog post. Many of us had seen dramatic dips in our investment…

How to Plan for House Repairs as New Homeowners

Real Estate

How to Plan for Unexpected House Repairs

I recently celebrated my two year anniversary of being a homeowner and it just so happened to coincide with getting my driveway redone. This seemingly simple home renovation project was a big deal because it costs thousands of dollars and I…

Investing

Earn Passive Income Dividend Investing

Yesterday I got a message from a reader who shared that although she wanted to put money aside to invest, she felt overwhelmed by all the jargon. She didn’t know where to begin and I got the feeling that she had already given up without really…

A guide to flexible spending accounts the health savings accounts offered by employers.

Budgeting

A Quick Guide To Flexible Spending Accounts

Are you taking advantage of all of the healthcare benefits offered by your employer? Probably not right. Well don't worry, no judgement here because I still have to look into how I can get reimbursed for going to the gym regularly. But here's…

Budgeting

Why You Need Multiple Bank Accounts

While many people only have one checking account and one savings account, I’ve had multiple bank accounts for as long as I can remember. In addition to setting financial goals and having a budget, having multiple bank accounts is how I’ve…

Budgeting

How to Save for Big Purchases?

How much thought do you give to preparing for big purchases? Do you swipe your credit card and worry about paying it off later, or do you actually save up for big purchases and only buy when you have the cash available to spend? While the…

Budgeting

Things To Do Every Time You Get Paid

Having money in the bank is always a great feeling. Perhaps that’s why every other Friday is my favorite day of the month (I get paid biweekly). Yet, I’ve found that the easiest way for me to manage my money, and not have it disappear without…

What is a budget? | 2018 Financial Goals and Quarterly Check In

Budgeting

What is Budgeting & Why It’s Important

Many people dread creating a budget, but I have nothing but good things to say about mines. In fact, budgeting has been my saving grace (no pun intended) and it’s one of the most important tools that I have used to manage my money throughout…

Real Estate

How Much Interest Are You Paying on Your Mortgage?

Do you know how much you're paying in interest on your mortgage every day, month or year? Interest has always been one of my biggest motivators for getting out of debt because it's what you pay on top of what you borrowed. Regardless of what…

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