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{ 1 comment } Instances When You Need to Close Your Credit Card thumbnail

The following article was written by Anna, our occasional contributor. Financial status or bad credit score are not the reasons why some people close their credit cards. It can also be because of the rising interest rates or the economic downfall a country is experiencing. Whatever the reason is, closing a credit card is a […] Read More

{ 65 comments } Ask the Readers: How to Balance Debt and Retirement Saving?

The following article is from Melanie, our staff writer. Melanie is in the beginning phase of her journey to Financial Freedom and she’ll offer a refreshing point of view for us. As Joe has mentioned, I’m at the beginning stage of my financial independence journey. The thing I love about writing for Retire By 40 is […] Read More

7 Compelling Reasons to Use Cash Instead of Credit

{ 58 comments } 7 Compelling Reasons to Use Cash Instead of Credit

It’s been a couple of years since I wrote about our use of cash allowances so I thought I’d go over it again now that we have a lot more readers. I agree that sometimes, credit cards are great. They are very convenient and provide many benefits such as purchase protection and cash/point rewards. If […] Read More

Just Say No to Debt

{ 48 comments } avoid debt say no to debt

My last post, Retirement advice for young folks, received a good response and I think I should expand more on it. We have more young readers now and I would love to share what I did right and wrong in my early years. We all made some financial mistakes and it’s best to learn from […] Read More