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      • Joel Larsgaard
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  • Newsletter

Practical Gifting, Streaming Hikes, & Avoiding Black Friday 🙅‍♂️

  • November 21, 2023
  • Tagged as: budgeting, credit score, personal finance, retirement investing, saving money, subscriptions
Dear everyone: It has come to our attention that some of you are planning to actually SPEND MONEY this Black Friday 🤮. Sooooo…. in order to distract you, we will be recording a LIVE podcast...

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Avatar photo Joel
  • Investing

6 Reasons Why Most People Lose Money in the Stock Market

  • November 19, 2023
  • Tagged as: 401k, dollar cost averaging, investing, leverage, saving for retirement, stock market
Why people lose money investing in stocks
Here are the ways most people lose money in the stock market (and how YOU can invest differently)!

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Avatar photo Joel
  • Newsletter

Pragmatic Money Rules, Companion Pass Hack & Enjoying The Present 🙋‍♂️

  • November 14, 2023
  • Tagged as: 401k, budgeting, credit cards, emergency fund, saving money, travel hacks
Financial Rules of Thumb
Good morning everyone! Today is Tuesday. And tomorrow, Tuesday will be gone… And in a few weeks, we’ll be in December. And in a few months, we’ll have freezing cold weather. And in a few...

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Avatar photo Joel
  • Credit Cards

The Fastest Way to Earn the Southwest Companion Pass

  • November 12, 2023
  • Tagged as: business credit cards, cheap flights, Cheap travel, Financial Independence, Frugal hacks, saving money, travel hacks
What's the fastest way to earn a Southwest companion pass? Here are all the deets as well as an example of perfect timing.

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Avatar photo Joel
  • Debt

How to Pay Off Your Student Loans

  • November 11, 2023
  • Tagged as: career, college costs, credit score, debt avalanche, debt snowball, personal finance, saving money, student loans
If you have student debt, you are not alone! Here's a guide to pay off those student loans so you can start building wealth for the future!

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
  • Newsletter

Rich People Habits, Donating Stocks & Bye Bye Mint 😭

  • November 7, 2023
  • Tagged as: budget software, millionaire, personal capital, retirement investing, tracking expenses, ynab
Happy Tuesday, HTM family! A common misunderstanding many humans possess is thinking they need to choose between their well-being or success. Like it’s either one or the other… Science tells us the opposite. Self-care and...

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  • Budgeting

How to Budget on a Variable Income

  • November 5, 2023
  • Tagged as: freelance, money goals, retirement investing, saving money, side hustles, tracking expenses, ynab
If you're a freelance/gig worker or small business owner, learning how to budget on a variable income is super important! Here's how to do it!

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
  • Real Estate

How To Save For a Down Payment: A Step-by-Step Plan

  • November 4, 2023
  • Tagged as: avoiding fees, budgeting, buying a home, credit score, debt management, down payment, HYSA, negotiation, saving money
how to save for a downpayment
Homeownership is one of the biggest financial goals in life. Here's a step by step guide on how to save for a downpayment on a house.

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Avatar photo Jason Brown
  • Debt

How to Get Out of Debt

  • November 2, 2023
  • Tagged as: automation, budgeting, credit cards, credit score, debt avalanche, debt snowball, emergency fund, mindful spending, saving for retirement
The sooner you get out of debt, the sooner you can use compound interest to your advantage instead of against you. Here's a step by step guide

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
  • Newsletter

Tightwad Tips, Passport Backlog & End Of Life Plans ☠️

  • October 31, 2023
  • Tagged as: emergency fund, Life Hacking, personal finance, retirement investing, saving money
Good morning everyone!!! And Happy Halloween! 🎃 One of Bob Marley’s coolest sayings… “some people are so poor, all they have is money” Just a quick reminder… although we talk a lot about money tactics...

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