10 Things That Slow Down Your Progress To Financial Independence

10 Things That Slow Down Your Progress To Financial IndpendenceThinking about and putting into action ways to pay off debt, save money, and invest come naturally to those who are bent on bettering their financial situation. We tend to think if I do such and such then I will accelerate my savings by this or that amount. Perhaps by looking at what holds us back from accomplishing our financial goals, we can start to recognize what our weaknesses are and work on strengthening those weaknesses. Let’s look at 10 things that slow down your progress to financial independence. Continue reading

Year In Review: 2 ESL Teachers Rocked 2014 Finances

Year In Review: 2 ESL Teachers Rocked 2014 Finances

The year of 2014 was a good year for us. Moving from over $20,000 in debt to completely debt-free and then some, is something I feel proud of. So, this year in review is quite a pleasant topic for me. Stephen and I proved that 2 ESL teachers can rock their finances and we hope you did, too. Here is an overview of what we accomplished throughout the year.



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Index Funds Are The New Black

Index Funds Are The New BlackI will never forget the day when a friend of the family came to our house one day and said that he had just sold off the rest of his stocks because the stock market had plummeted and he wanted to get out while he could. Apparently, this friend ‘lost’ a lot of money before he pulled the rest out. Too bad he didn’t know index funds are the new black.  Continue reading

Women of TESOL You Must Save More: Part III


Women Of TESOL You Must Save More: Part IIThis is a three-part series discussing men and women and their (retirement) savings with an overarching trend that women of TESOL need to start saving more for retirement. Part I gives you a simplified comparison between women and mens’ savings rates according to the INGCompareMe application. Part II looks at the results of an informal survey given to 21 men and women TESOLers regarding career, salary, and savings. Lastly, Part III looks at various options of how to save and savings goals for TESOLer women.

In the last post we compared men and women and their overall savings. What we found was that men surpass women when it comes to this financial area. Today we get a little more specific and discuss the financial situation of women TESOLers’ savings and how they compare to their male counterparts.

Women Who Are Not Saving

Give me a B! Give me a U! Give me a D! Give me a G! Give me an E! Give me a T! What’s that spell?! BUDGET!

Please ask yourself where is my potential savings money leaking toDo I have and use a budget

Those two questions are crucial to your successful financial management. I know I would probably beat this point to death with a stick if I had one but a b.u.d.g.e.t is where it’s at. Continue reading