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At the end of January our firm did annual reviews. Yes… the dreaded annual review. For us it’s a time where we get to see how productive we were and whether we met projected goals and expectations. For some, this ends in harsh reality checks. However, for others like myself it’s a more pleasent story…
In my mind, there are a lot of problems with giving to charitable organizations. If I’m not intimately familiar with the non-profit, there’s always that lingering thought about whether your money acutally goes to help someone in need. Then there’s the administration fees that your donations may go to to cover the organization’s overhead expenses. By the time it gets to the intended recipient there might be very little left. That’s not the case with Kiva.org, my newest repository of goodwill.
With Kiva things are different…
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Every month we report our income and net worth in easy to read transparent reports. We call it the Zero Passive Income Experiment (because that’s where we started). We finished up January with some great developments. Check out where this month has taken us on our financial journey.
I thought it appropriate to do a one year round up to see just how far we’ve come since we started the Zero Passive Income experiment in terms of net worth. It’s been a long road and we’ve made some dramatic changes to our finances. We’ve had to break some bad habits and start some new ones. And we’ve learned some very important lessons along the way.
Anyway, here are the results:
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December marks the 12th month of our Zero Passive Income Experiment! Yep, it’s now been a full year transparently reporting our income and net worth. Thanks everyone for the accountability! Check out where this month’s frugal spending and investing has gotten us.
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Christmas perhaps the biggest spending holiday of the year. Between gifts, food, and traveling people shell out a pretty penny to be merry during this holiday. So I’m curious, what did Christmas cost you this year? For us, we spent a total of…
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Christmas is a time for giving. So what better gift to give than the “gift of giving”. This Christmas, I wanted to give my wife something better than just a commercialized gift wrapped product. I wanted to give her an experience. So what better place to bring her than to K-Mart!
If you’re a newlywed congratulations! You’ve just made a life changing commitment that will call for significant changes in your life. What you’ll soon find out is that some of the most important changes you’ll encounter involve money.
Among some of these decisions you’ll have to make are sharing bank accounts, setting financial goals, learning to communicate, and deciding on how much insurance you’ll need. Money can be a sensitive issue because it’s so emotional — and a leading cause of divorce — your marriage’s success could likely be determined by the financial habits that you and your spouse establish right now.
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I recently received the following for this week’s money Question: “My fiance has really bad credit, but mine is spotless. I have an 800+ credit score and I’ve worked hard to get there. I’m concerned about getting married because I’ve heard that his score will affect mine. Is it true that my fiance’s bad credit affect my good credit?”
There’s a real misconception about how credit ratings work, especially when it comes to marriage…
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Would you call the farmer faithful who didn’t care enough to cultivate, weed, and spray his fields after the seed was planted? He should change his methods if he’s not getting an adequate yield of produce. The purpose of farming is to raise a good crop, and the purpose of stewardship is to multiply the investment entrusted to a manager by his employer. Christian stewardship entails
Hi! I'm Jeremy Salvador and this is my wife Jill. When we started this blog we were broke and had Zero Passive Income. Find out where we are now in our 
