The Best Personal Finance Content for Middle Incomes

Home Articles Posted by Stephonee

Founder of the Middletons. Champion of lower income personal finance knowledge. Lover of geeky things. Spreedsheet queen.

Posts byStephonee

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Super Frugal Teacher

A myth about the people going after financial independence is that they’re all dudes in high paying tech jobs.

Penny defies all those stereotypes. Her and her husband are teachers on the path to financial independence. It’s almost as far from high paid tech bro as you can get! They live simply and cheaply after getting their finances off on the wrong foot. Literally. Penny had a problem buying designer shoes.

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Tuition Reimbursement

Ogechi Igbokwe understands how student loan debt can wreak havoc on our lives. How it robs us of our peace of mind and the ability to pursue our goals like buy a house, travel, get married or start a family.

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Buy It for Life: Choosing Quality Over Price

Here’s something I’ve learned over the past fifteen years: One way to practice financial prudence while living the good life is to buy quality products, products that are a pleasure to use, products that will last a lifetime (or at least a decade).

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Buying Your Way Out of Impostor Syndrome

Basically, it boils down to this: despite having a good education and a respectable job, you feel like you are a fraud, a fake, an impostor. On the outside, you might look calm, cool and collected, but if others only knew what a hot mess you really were!

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10 Financial Goals to Conquer in Your 30s

Now, it is no surprise that most rich people are reviewing their goals and making goals. Author Thomas Corley, Rich Habits, found that 62% of all rich people not just set goals but they review them every single day. When is the last time you reviewed your goals?

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Wanna Swim in Cash?

And along comes this exciting concept, where if you put a bunch of money in, and you could talk other people into joining you, that everybody could make a lot of money. And it was all cash, and it was all fast, and it was all fun, and very optimistic and exciting.

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You’re More Than Your Debt

When people discuss debt, it’s usually referenced as some sort of personal failing. Like, why can’t you pay off your debt? It’s easy. Make money, pay off your debt. Duh.

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How We Paid Off $58,704 in 24 Months

The first thing we had to do, once I added up all the debt, once I had my UGH-Sick-and-Tired Moment, we had to get real with our spending. So, I needed to see where exactly all this money had gone. We don’t live in the lap of luxury. Yeah, we have a flat screen television. The couch behind me? Bought that secondhand. Fancy car in the driveway? Nah, at the time we were driving an ’07 Honda Odyssey minivan. We really didn’t have anything to show for the almost-$60,000 in debt that we in fact had.

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Save Money on Dental – With or Without Insurance

Here’s the thing: Teeth can be really, really expensive – really expensive and most dental is not covered by typical health insurance. Some emergency dental might be covered by your regular health insurance, but majority of dental work is something that you are going to have to self-fund or will be partially covered by your health insurance. And what’s even more frustrating is the cost of dental procedures can be totally opaque.

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