millennials

i just bought my 1st rental property

Guys, it’s the post you’ve all been waiting for.

If you follow me on Instagram, then you know that Keith and I purchased our first official rental property back in September. And while I wanted to write this post MUCH sooner (you know, out of sheer personal excitement), I waited a few months to ensure at least a small level of success (and paid rent) prior to jumping the gun.

However, 3 months later, all is running smoothly (*knock on wood*), and I wanted to give you all the details behind how we got into this real estate game, the process we went through, and the numbers on our FIRST EVER rental property.

the #1 way to protect yourself in the case of a data breach

I actually found out about the Equifax data breach on Twitter (because, you know, that’s where I get all my news), and while many brushed this off as another case of potential identity theft in a time of many, I knew it was so much more than that. And it got even worse when I verified that I was one of the 143 million people who had had their information compromised. Oy vey.

why i'm choosing not to pay off my mortgage early

Exactly 4 years ago around this time at the ripe old age of 26, I was smack dab in the middle of house-hunting. I had been saving for a down payment for a few years and had finally hit my goal, so off I went into the world of starter homes and cute bungalows to find a house for this single gal that would be mine and all mine.  Well, mine and the bank’s.  At least for 15 years.

Luckily I didn’t have to deal with some of the house-hunting nightmares that others have had to endure, and I found a cute little place in the area I wanted for a great price.  We were still coming out of the recession so it was a buyer’s market, and with interest rates so low, I jumped at the deal.

7 tips to increase your credit score quickly (and save thousands!)

I know most of you think your credit score isn’t a sexy topic, but did you know having a crappy one could potentially cost you a year’s salary?

When I bought my home in 2013, we were just beginning the incline out of the recession that had blindsided (most of) us in 2008. It was a buyer’s market, meaning homes were priced to sell and there were a lot of the market.  On top of that, my credit score was sitting pretty in the high 700s, meaning I qualified for the lowest interest rate on my mortgage. Did I know prior to that point how much money that score saved me? Absolutely not.  But when I started crunching the numbers on my house situation, I soon found it.