Magic, adventure, intrigue, and the 32-bit era of graphics.
When you mention the origins of our favorite role-playing video games, nostalgia runs rampant within us. We all remember our first, our favorite, and everything in between.
Role-Playing games have shaped the expectations of how many of us want to experience our gaming journey. The hardest part is finding which to choose. Which are best? What stories should you invest thirty hours of your life into?
Get ready to have another blast from the past! We are delving deep into the amazing games that made up the epic Playstation Roleplaying genre of the ’90s.
Here is our list of the best PlayStation RPG games ever!
The Best PS1 RPGs of All Time
1. Xenogears (1998)
When it comes to RPGs of such massive scale and scope, Xenogears should need no introduction. The story is all-encompassing and intense. It does not only does it entail the death of a god and dualism. Xenogears also has arching stories of reincarnation, religion, use of mass control, and brainwashing.
Xenogears centers around the main character Fei, an adopted young male in the village of Lahan. Fei was brought by a mysterious man while suffering from retrograde amnesia. During an attack on Lahan from Gebler, Fei pilots an empty gear and fights the enemy, accidentally destroying the village. As a result, Fei and Citan, the village’s doctor, leave with the abandoned gear to get it away from the town.
From this point, you meet multiple supporting characters that very clearly also have skeletons in their closets.
Mixing a unique style of 2D animation with 3D backdrops, Xenogears focused on its anime inspiration with fully animated and voiced cutscenes. Gameplay centered around a stamina-based combat system. This is a playoff of the Active Time Battle system found in games such as Chrono Trigger and the Final Fantasy series.
Every character and inch of this game is worth exploring to experience the all-encompassing details and rich storyline. At the time, Xenogears was a groundbreaking game. This is a must-play.
2. Final Fantasy VII (1997)
If you haven’t heard of Cloud, Tifa, or Aerith, you have been living under some very large rubble in Midgar. Final Fantasy VII is considered to be by far the best Final Fantasy game ever made. So let’s talk about why.
FFVII’s gameplay, story, and setting are almost unparalleled.
The Materia system was an excellent idea that contributed to altering character stats. The character list is filled with interesting personalities, even if they’re not all brought into the open.
The world setting for FFVII is full of mystery and variety, from exploring the ocean depths in a submarine to zipping about the skies in your airship to traveling around on a Chocobo, it was about as dynamic as any interactive world could’ve been. Each town had a style and persona all its own, each area had a specific appeal, and how each character reacted to each region was also outstanding.
The depth of that story, the levels, and dimensions on which it operates, the pacing that seems just about perfect; it all combines to create a highly enjoyable experience. It has philosophical and psychological angles that few really appreciate,
And Sephiroth remains the greatest villain of all time for one big reason: He has mastered the art of being both sympathetic and completely brutal.
The game was so fantastic; the Final Fantasy VII Remake is the most requested and anticipated remake game of all time.
If you are looking for a fully immersive and enjoyable RPG experience that pulls you in from the moment you begin, then Final Fantasy VII should be the next game to pop into your system.
3. Final Fantasy IX (2000)
It is no surprise with how iconic the Final Fantasy series is that there would be more than one of them on this list. We talked about the iconic Final Fantasy VII, so now let us talk about Final Fantasy IX and why it is so crucial in the series.
There were concerns regarding how modern Final Fantasy VII and Final Fantasy VIII were with more high-tech robotics and settings. When IX came along, we were transported back to the origin of the Final Fantasy game designs.
FFIX brings us back to pay tribute to its former classics. Traditional medieval fantasy setting and a cast of characters who resembled the classes of old. The characters included Vivi, the Black Mage, and Steiner the Knight, to name a few.
They even made subtle nods and references to previous games to kick that nostalgia up a notch.
The basis of the story? A theater troupe named Tantalus moonlights as a gang of noble thieves. They head to the city of Alexandria to perform their latest play and devise a plan to kidnap the royal princess Garnet. You play as main character Zidane, an actor and thief with a monkey tail. The troupe sets out to capture the princess, only to find that she’s been planning her escape all along.
What follows is a world-spanning adventure involving war, subterfuge, magical crystals, summoned monsters, and lots of clones. If you want to see how it all plays out, I suggest you grab yourself a copy!
4. Chrono Trigger (1995)
The first installment of what is referred to as the Chrono Series is the famous Chrono Trigger. Having been described as revolutionary, some of the elements of the game had never been presented before. These included its multiple endings, plot-related sidequests focusing on character development, unique battle system, and detailed graphics.
Chrono Trigger is a timeless role-playing classic where you embark on a journey to different eras. As the story unfolds, you will travel to the middle ages, future, prehistory, and ancient times. Chrono Trigger gives a new spin to the traveling and monster-killing that you’ll have to do.
The battle system, which is a new take on the “Active-Time-Battle” (or action RPG) system seen in the Final Fantasy games, is enjoyable and unique. You can perform special moves called Techs and even combine with a couple of your party members to perform a triple combo Tech. The use of Mode 7 graphics pops off the screen, and the level of detail is astounding. The overall visuals of the game are brilliant for the time.
Chrono Trigger was the third best-selling game of 1995 in Japan and shipped 2.65 million copies worldwide by March 2003.
It is widely considered one of the most unique RPG’s ever to hit console. It was also very well-deserving of a sequel!
5. Chrono Cross (1999)
Looking for time travel, changing your fate, and the concept of parallel worlds all rolled into one package? Say no more! Welcome to the fantastic must-play sequel, Chrono Cross!
Boasting some beautiful graphics for its time, and an equally brilliant score, it’s also one of the first games to offer a ‘New Game Plus’ for replayability in an RPG. For anyone that is an RPG fanatic, the replay value for a game speaks volumes.
Renouncing from the traditional turn-based combat system Chrono Cross went with a more stamina-focused approach. They added elemental magic to the mix as a means to sway the battle. You have the option of a large playable support cast wielding different affinities. Having the opportunity to mix different battle group combinations gives the player the power to create a lethal group against powerful foes.
Many say this was not necessarily the best sequel for Cross due to the change in platform. This game the opportunity for new graphics and options that could substantially adjust the game scope. However, it is repeatedly noted as being a brilliant game worthy of precious playtime.
6. Suikoden (1995)
Not long after the launch of the PlayStation, Konami released a 2D role-playing game with a killer soundtrack called Suikoden. Creator Yoshitaka Murayama opted to prioritize storytelling and atmosphere over the fancy 3D graphics that were just starting to take off.
The game centers on the political struggles of the Scarlet Moon Empire. The player controls a Scarlet Moon Empire general’s son, who is destined to seek out 108 warriors or 108 Stars of Destiny) to revolt against the corrupt sovereign state and bring peace to a war-torn land.
Suikoden was widely considered the best RPG on PlayStation. It earned this title from fans due to its great premise, fast-paced combat, and emotional story. The game itself was so well received that it was worthy of a sequel.
7. Suikoden II (1998)
Continuing with its traditional 2D graphics, Suikoden II is brilliant in both narrative and storytelling. It avoids traditional world-destroying power/demonic force in favor of warring states and factions. The game itself follows with the same storyline and characters as the original. Unlike other RPGs, the Suikoden games are all set in the same universe, with recurring storylines, characters, and settings.
The game itself contains challenging dungeons and bosses, but there is no grinding necessary! Thanks to the auto-attack option, you can quickly and efficiently level characters, so they are always up to speed.
Not only do you have satisfying combat, a cooking mini-game, a top-ranked villain, and flying squirrels, you also get to run your castle.
8. The Legend of Dragoon (1999)
This RPG is another that has a well-known name, but for different reasons. Gamers found this one appealing and claim it is PS1’s most underrated RPG. That makes this classic worthy of a second look!
While it does offer many similarities and familiar aspects of a “traditional” RPG, Legend of Dragoon added the ability to change the nominal Dragoons into enhanced versions of themselves to aide in combat.
Much like Limit Breaks and Trance in FF, it enhanced combat from being turn-based and straightforward.
It had all the fluff and pizazz of a 32-bit-era Final Fantasy, but the CG cutscenes and pyrotechnics weren’t as up to par with its competition. The battle system also had some technicalities as far as healing and logistics that were a bit questionable. On the flip side, though, many loved how pleasantly straightforward it is.
If you’re after something to fill that void between Final Fantasy but don’t want to branch too far out, you can’t go wrong with Legend of Dragoon.
9. Final Fantasy Tactics (1997)
More Final Fantasy, you ask? Absolutely! They did not earn their title as masters of RPG for no reason! So let us delve into another series gem, Final Fantasy Tactics.
Final Fantasy Tactics begins with Ivalice just recovering from the Fifty Year War against Ordalia. The game’s story follows Ramza Beoulve, a highborn cadet who finds himself thrust into the middle of an intricate military conflict. This erupts into a full-scale war known as the “Lion War,” with either side using whatever means possible to secure their place in the throne. This includes bearing an illegitimate child, killing other potential heirs, betrayal, assassination, and false identities.
Pretty intriguing, isn’t it? The plot sounds like a Game of Thrones spinoff!
The battle system is a traditional turn-based and is played out on three-dimensional, isometric fields. In battle, JP is rewarded for every successful action. JP is used to learn new abilities within each job class. Accumulating enough JP results in a job level up; new jobs are unlocked by attaining a certain level in the current job class.
Final Fantasy Tactics received universal acclaim upon its release, and critical opinion of the game has improved further over time. This one is definitely worthy of a spot on the must play list!
10. Castlevania: Symphony of the Night (1997)
Symphony of the Night is a platform-adventure action role-playing game developed and published by Konami in 1997.
Symphony begins during the ending of the previous game in the series, Castlevania: Rondo of Blood, where Richter Belmont confronts and defeats Count Dracula. Four years later, in 1796, Richter goes missing, and Dracula’s castle reappears. That is spooky enough to get my attention!
The game is non-linear, but most of the castle is inaccessible until various items and abilities are collected, including shapeshifting into a bat, wolf, or mist. It does have RPG based elements in the combat as well. Alucard’s hit points determine the maximum damage he can withstand before dying while his magic points decide how frequently a magical attack may be cast. He has four other attributes: strength – the power of his physical attack; defense – his resilience to damage inflicted by the monsters; intelligence – the recovery speed of magic points; and luck – the frequency that enemies drop items.
Symphony has a massive, free-to-explore game world with numerous secrets to uncover. It has been praised for integrating RPG elements without compromising the series’ basic gameplay. Multiple critics also made mention of the ingeniously designed enemies and the story’s many plot twists.
The game has developed such an immense following that original copies are now considered collectors’ items. It has continued to receive critical acclaim and has appeared on many top games’ lists.
Make sure you grab a copy of this one. You will not be disappointed!
11. Star Ocean: The Second Story (1998)
What landed Star Ocean: The Second Story on this list is the aspect of quality over quantity. It may not be the biggest entry on the list, or even the most popular. What does it have? A story that could rival some of the greatest of those sitting on the throne of the RPG universe.
The overall storyline begins with the main protagonist Claude, son of Ronyx Kenny of the first Star Ocean, being transported to a mysterious world, where he meets Rena and a cast of enigmatic support characters. One of whom, Ashton, is cursed with having two dragon heads attached to his head, that bicker and talk over him. Talk about a permanent headache?
Your progress toward towns, and through dungeons toward the ultimate evil force. This all comes across as a fairly standard base of a PRG story.
The plot twist? This game has 87 different endings.
Some are minor changes, ranging from discovering the identity of one of the bosses, or if you paid attention to certain conversations throughout the game. But this added a new scope than the standard RPG game progression system.
The combat system was also impressive by doing away with being time-based and staying continuously active. It was a refreshing change over selecting through menu prompts.
While this may not be the most popular or classic game on the list, it is definitely one worthy of checking out!
12. Vagrant Story (2000)
Vagrant Story is a beautiful exploration into cult lore, mythology, and ancient magics. It is often referred to as a form of a “spin-off” if Final Fantasy Tactics due to Yasumi Matsuno working on both and set in the same fictional world of Ivalice. Doesn’t that name sound familiar?
Vagrant Story is unique as a console action-adventure role-playing game in that it features no shops and no player interaction with other characters; instead, the game focuses on weapon creation and modification, as well as elements of puzzle-solving and strategy. For many in the know of the ROG universe, this concept was almost completely different.
The gameplay is more of a 3D dungeon explorer, with each area of exploration/combat being broken apart as rooms or small arenas. It utilizes a form of a real-time active battle combat system. Activating combat brings up a personal space bubble, and any offending part of the enemy’s anatomy that pierces that is asking for some battle damage. You can also chain together stronger attacks for a combo hit.
These combinations gave a fresh take on the adventure RPG genre. It would pave the way for new gameplay concept to come to light.
Vagrant Story is a lengthy yet wonderful fantasy journey through a largely rewarding game.
The list of amazing RPGs that were produced and released for the PS1 could go on for ages. Some may even consider this the golden age for RPG releases. It paved the way for amazing remastered games and fresh stories for modern-day gamers!
Original Playstation RPG’s truly take the digital cake for all that they encompass. Unique storylines, bold changes in new combat systems. You name it, and they produced it.
Whether you experienced this fantastic 90’s age of gaming firsthand, or are new to it and looking to explore, you will not be disappointed.
All that is left now is for you to pick a game and play! After all, no story would be complete without the player beginning their journey.
Where Can I find The Games?
Here are some primary locations to obtain these classics:
Playstation Store Classics
The Old School Game Vault
Are you looking for more? Check out our list of the Best SNES RPGs of All Time!
A taxa do Fed ainda está em zero, o que nos trouxe de volta ao tempo em que algo acima de 2% APY é digno de nota (e não há muitas notícias). A única razão para prestar atenção é que estar disposto a trocar de conta bancária ainda pode vencer as obrigações do Tesouro e / ou as opções de varredura de dinheiro da corretora que pagam quase zero.
Aqui está meu resumo mensal das melhores taxas de juros em dinheiro para julho de 2020, classificadas aproximadamente do menor para o maior prazo. Eu acompanho essas taxas porque mantenho 12 meses de despesas como colchão de caixa e também invisto em CDs de longo prazo (geralmente em cooperativas de crédito menos conhecidas) quando produzem mais do que títulos. Confira minha calculadora Ultimate Chaser Rate para ver quanto interesse extra você ganharia movendo dinheiro entre contas. As tarifas listadas estão disponíveis para todos em todo o país. Tarifas verificadas a partir de 7/5/2020.
Contas de poupança de alto rendimento
Enquanto os enormes megabancos obtêm enormes lucros pagando 0,01% APY, é fácil abrir uma nova conta de poupança e simplesmente mover alguns fundos da sua conta corrente existente. As taxas de juros nas contas de poupança podem cair a qualquer momento. Por isso, listo as taxas mais altas e as mais competitivas de bancos com histórico de taxas competitivas. Alguns bancos o iscam com uma taxa máxima temporária e depois diminuem as taxas na esperança de que você esteja com preguiça de sair.
O Patriot Bank tem a taxa máxima no momento em 1,40% APY garantido até 31/08/2020 (no mês passado, foi de 1,75% APY garantido até 31/07/20). Eu não contaria com nada após a garantia, já que quase todos os outros lugares estão abaixo disso, provavelmente voltando à faixa de ~ 1% APY. Existem várias outras contas de poupança de alto rendimento estabelecidas acima de 1% APY por enquanto.
Taxas garantidas a curto prazo (1 ano ou menos)
Uma pergunta comum é o que fazer com uma grande pilha de dinheiro que você espera implantar em breve (acabou de vender sua casa, acabou de vender seu negócio, acordo legal, herança). Meu conselho habitual é manter as coisas simples e levar o seu tempo. Se não for uma conta poupança, coloque-a em um CD de curto prazo flexível, dentro dos limites do FDIC, até que você tenha um plano.
Os CDs sem penalidade oferecem uma taxa de juros fixa que nunca pode cair, mas você ainda pode sacar seu dinheiro (uma vez) sem nenhuma taxa, se quiser usá-lo em outro lugar. Marcus tem um CD de 7 meses sem penalidade no 1,00% APY com um depósito mínimo de $ 500. O Ally Bank tem um CD de 11 meses sem penalidade no 0,95% APY para todos os níveis de equilíbrio. O CIT Bank possui um CD de 11 meses sem penalidade no 0,75% APY com um depósito mínimo de US $ 1.000. Você pode abrir vários CDs em incrementos menores para obter mais flexibilidade.
A Pen Air Federal Credit Union possui um CD de 12 meses em 1,25% APY (US $ 500 min). A penalidade por retirada antecipada é de 180 dias a juros. Qualquer pessoa pode ingressar nesta união de crédito por meio de uma organização parceira (taxa única de US $ 3).
Fundos mútuos do mercado monetário + ETFs de títulos ultra-curtos
Se você gosta de guardar dinheiro em uma conta de corretora, tenha cuidado com o fato de muitos corretores pagarem muito pouco interesse em seus fundos padrão de varredura de dinheiro (e manter a diferença por si mesmos). O mercado monetário a seguir e os fundos de títulos ultra-curtos NÃO possuem seguro FDIC e, portanto, têm a possibilidade de perda do principal, mas podem ser uma boa opção se você tiver dinheiro ocioso e comissões baratas / gratuitas.
Atualmente, o Vanguard Prime Money Market Fund paga um 0,18% de rendimento SEC. A opção de varredura padrão é o Vanguard Federal Money Market Fund, com um rendimento SEC de 0,12%. Você pode transferir manualmente o dinheiro para o Prime se encontrar o investimento mínimo de US $ 3.000.
Atualmente, o Vanguard Ultra Fund de Curto Prazo paga 1,18% de rendimento SEC (US $ 3.000 min) e 1,28% de rendimento SEC (US $ 50.000 min). A duração média é de ~ 1 ano, portanto, há mais risco de taxa de juros.
O ETF PIMCO Enhanced Short Maturity Short Bond (MINT) possui uma 1,10% de rendimento SEC eo ETF iShares Short Maturity Bond (NEAR) possui uma 1,19% de rendimento SEC enquanto mantém uma carteira de títulos com grau de investimento com duração média de ~ 6 meses. Observe que houve uma queda repentina e temporária no valor do patrimônio líquido durante o recente estresse do mercado.
Letras do Tesouro e ETFs Ultra-curtos do Tesouro
Outra opção é comprar títulos do Tesouro individuais, com vencimentos variados, de 4 a 52 semanas. Você também pode investir em ETFs que possuem uma cesta rotativa de letras do tesouro de curto prazo, cobrando uma pequena taxa de gerenciamento por isso. Os juros da letra T estão isentos de impostos de renda estaduais e locais. No momento, esta seção provavelmente não é muito interessante, pois as letras T estão produzindo quase zero!
Você pode construir sua própria escada T-Bill em TreasuryDirect.gov ou por meio de uma conta de corretagem em um balcão de títulos como Vanguard e Fidelity. Aqui estão as taxas atuais da letra do Tesouro. Em 02/07/2020, um novo T-Bill de 4 semanas possuía o equivalente a 0,13% de juros anualizados e um T-Bill de 52 semanas tinha o equivalente a 0,16% de juros anualizados.
O ETF Goldman Sachs Access Treasury 0-1 Ano (GBIL) possui um rendimento SEC de 0,09% e o ETF T-Bill SPDR Bloomberg Barclays 1-3 meses T-Bill (BIL) tem um rendimento SEC de -,02% (!). O GBIL parece ter um prazo médio ligeiramente mais longo que o BIL.
Títulos de Poupança dos EUA
Os títulos de poupança da série I oferecem taxas atreladas à inflação e lastreadas pelo governo dos EUA. Você deve segurá-los por pelo menos um ano. Existem limites de compra anuais. Se você resgatá-los dentro de 5 anos, haverá uma penalidade nos últimos 3 meses de juros.
“I Bonds” comprados entre maio de 2020 e outubro de 2020 ganharão um Taxa de 1,06% nos primeiros seis meses. A taxa do período subseqüente de 6 meses será baseada na inflação novamente. Mais informações aqui.
Em meados de outubro de 2020, o CPI será anunciado e você terá um curto período em que terá uma estimativa muito próxima da taxa para os próximos 12 meses. Vou ter outro post na época.
Cartões pré-pagos com contas poupança anexadas
Um pequeno subconjunto de cartões de débito pré-pagos possui uma conta de poupança segurada pelo FDIC, com taxas de juros excepcionalmente altas. Os negativos são que os saldos são limitados e há muitas taxas que você deve ter cuidado para evitar (para que elas não consumam seu interesse). Algumas pessoas não se importam com o trabalho extra e a atenção necessária, enquanto outras se importam. Há uma longa lista de ofertas anteriores que já desapareceram sem aviso prévio. Eu pessoalmente não recomendo nem uso mais nenhum desses.
O único cartão notável que resta nesta categoria é Mango Money em 6% APY em até US $ 2.500, juntamente com vários aros para saltar. Os requisitos incluem US $ 1.500 + em compras de “assinatura” e um saldo mínimo de US $ 25,00 no final do mês.
Contas correntes de recompensas
Essas contas correntes únicas pagam taxas de juros acima da média, mas com riscos únicos. Você precisa passar por certos obstáculos e, se cometer um erro, não ganhará nenhum interesse nesse mês. Algumas pessoas não se importam com o trabalho extra e a atenção necessária, enquanto outras se importam. As taxas também podem cair para quase zero rapidamente, deixando uma sensação de “isca e troca”. Se você deseja tarifas acima de 2% APY, esse é o único jogo da cidade.
Consumers Credit Union Free Rewards Checking (minha análise) ainda oferece até 4,09% APY em saldos de até US $ 10.000, se você fizer US $ 500 ou mais em depósitos ACH, 12 compras por “assinatura” de cartão de débito e gastar US $ 1.000 em seu cartão de crédito todos os meses. O Bank of Denver tem uma oferta gratuita da Kasasa Cash Checking 3% APY em saldos de até US $ 25.000 se você fizer 12 (temporariamente 6 devido à COVID-19) compras de cartão de débito e pelo menos 1 transação de crédito ou débito ACH por ciclo de extrato. Se você atender a essas qualificações, também poderá vincular uma conta poupança que pague 2% APY em até US $ 50 mil. Obrigado ao leitor Bill pela dica. Encontre uma conta corrente de recompensas restrita localmente em DepositAccounts.
Certificados de depósito (superior a 1 ano)
Os CDs oferecem taxas mais altas, mas vêm com uma penalidade de retirada antecipada. Ao encontrar um CD do banco com uma penalidade razoável de retirada antecipada, você pode desfrutar de taxas mais altas, mas manter o acesso em uma verdadeira emergência. Como alternativa, considere a criação de uma escada de CD com diferentes comprimentos de maturidade (por exemplo, 1/2/3/4/5 anos), para que você tenha acesso a parte da escada a cada ano, mas sua taxa de juros combinada é maior que uma conta poupança . Quando um CD amadurecer, use esse dinheiro para comprar outro CD de 5 anos para manter a escada. Alguns CDs também oferecem “complementos”, onde você pode depositar mais fundos se as taxas caírem.
A União de Crédito Próprio da Geórgia possui um certificado de 5 anos em 1,70% APY (US $ 500 min), 4 anos a 1,50% APY, 3 anos a 1,45% APY e 2 anos a 1,25% APY. Lembre-se de que a penalidade por retirada antecipada por 5 anos é de 450 dias a juros. Qualquer pessoa pode participar da organização parceira por uma taxa única de US $ 10.
Você pode comprar certificados de depósito através das carteiras de títulos da Vanguard e Fidelity. Você pode precisar de uma conta para ver as tarifas. Esses “CDs intermediados” oferecem seguro FDIC e fácil acesso, mas não possuem penalidades previsíveis de retirada antecipada. A Vanguard tem 5 anos em 0,80% APY agora mesmo. Desconfie de taxas mais altas exigível CDs listados pela Fidelity.
Instrumentos de longo prazo
Eu os usaria com cautela devido ao aumento do risco da taxa de juros, mas ainda os rastreio para ver o restante da curva de juros atual.
Disposto a bloquear seu dinheiro por 10 anos? Você pode comprar certificados de depósito de longo prazo através das carteiras de títulos da Vanguard e da Fidelity. Esses “CDs intermediados” oferecem seguro FDIC, mas eles não vêm com multas previsíveis de retirada antecipada. A Vanguard tem 5 anos em 0,95% APY agora mesmo. Cuidado com as taxas mais altas de exigível CDs da Fidelity.
Que tal duas décadas? Os títulos de poupança da série EE não são indexados à inflação, mas têm uma garantia única de que o valor dobrará em 20 anos, o que equivale a um retorno garantido de 3,5% ao ano. No entanto, se você não aguentar por muito tempo, ficará com a taxa normal que é bastante baixa (atualmente uma taxa triste de 0,10%). Eu vejo isso como uma enorme penalidade por retirada antecipada. Mas se manter por 20 anos não é um problema, também pode servir de proteção contra a deflação prolongada durante esse período. Em 02/07/2020, a taxa dos títulos do Tesouro em 20 anos era de 1,20%.
Todas as tarifas foram verificadas a partir de 7/5/2020.
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Melhores taxas de juros em dinheiro – julho de 2020 no My Money Blog.
Cathy, my wife has been trying to declutter our home for years. I’ve been the stubborn one and resisted the effort. She finally wore me down. And boy, am I glad she did. Her efforts got us quite a little bounty for stuff that’s been sitting around the house gathering dust.
I invited Cathy to share the steps she took to turn our stuff into some nice cash. When the initial declutter was complete, she made over $3,000. She’s the brains and the organizer for these types of projects. For the most part, I’m the labor (and I’m free)!
If you want to learn how to sell things quickly, efficiently, and get the most money for your items, this post is for you.
I’d also recommend you check out one of my blogger friends, Melissa Blevins’s post Decluttering – Maria Kondo: Using the Kon Mari Method of Tidying Up.
With that, take it away, Cathy!
How to Declutter Your Home
Since Fred began this blog, I started reading articles from some of the bloggers he’s met. Many of them write on how to save, and make extra money,
I remembered all the items in the house we had accumulated over the last 20 years, thinking we would use them again. Or, maybe I would sell them. I finally decided to take the plunge and began selling the household goods we hadn’t touched in years.
I started with placing items on Craigslist. After a relatively short time, I stopped. I found there are many scammers on the site and only a few serious buyers
One scam is the PayPal scam. In it, potential buyers would send me an email asking to place money in my PayPal account. They said they would send someone to pick up the item the next day. They usually had an excuse of being out of town or something.
After being hit several times by the scammers, I received this notice from Craigslist saying:
“Please be wary of distant ‘buyers’ responding to your ad! Many sellers receive replies from scammers hoping to defraud them through schemes involving counterfeit cashier’s checks and/or wire transfers. These checks will clear the bank, but the person cashing the check will be held responsible when the fraud is discovered. More info on scams can be found at this web address”.
One scammer was very pushy. I finally had to threaten to track them down and turn them in if they didn’t stop emailing me.
I decided to try selling the items on the Facebook Yard Sales in different cities around Fairfax County. I started by placing things on the Facebook yard sale site for Reston and Vienna, a town close to Reston. Facebook Market Place covers a broader surrounding area.
I began with small items like the usual decorations, kitchen items, linens, purses, etc. The bags went quick. You have to let kitchen items sit until the right buyer comes along. Sales started becoming very easy to make. Putting stuff on Facebook yard sale from my computer was perfect for me.
The Facebook yard sale is much better than preparing for an actual yard sale. In a yard sale, you drag everything out of the house and wait for people to get there. Whatever doesn’t sell (usually a lot of things) you have to haul back into the house or take to Goodwill.
What a pain! Selling online is way better than an actual yard sale.
You might also like: 10 Decluttering Tips to Simplify Your Life and Reclaim Your Home
Tip #1: Take good photos
A good photo of the item is a must, not only one angle but a couple.
Edit your photo for clarity. Make sure the brand name is visible. The lighting should not be blaring on your item. You may need to try a couple of different locations in the house to make it look its best.
Another way for a good photo is to Google your item. Find the exact item. Be sure you’re looking at a replica. From there, copy the image of the picture to place in the add. Most of the time, a replica picture online has lighting that’s much better and shows the item more clearly.
Here’s a side table bookshelf I sold for $53 (originally purchased for $100). We used it for the last ten years. Someone bought it as soon as I placed the picture showing how to use the shelf.
The first picture is from a copied image online. The second is the actual shelf in front of my fireplace.
Here’s another example:
When Fred’s mom passed away. I inherited her collection of teacups. They sat on our shelves for years. We never once used them. Fred is a sentimental person. It’s hard for him to let go of things like this. He finally agreed it was time to sell his mom’s small collection. So I went to work.
The footed Demitasse Cup & Saucer set Lavender Rose by Royal is a Vintage item from the 1960s. The pictures are image copies. The lighting is perfect, and if you blow them up, you can see the clarity in the photos.
I took the second picture. It’s an Antique Mitterteich Demitasse Footed Cup & Saucer Blue/Gold with small pearls, made in Germany in perfect condition.
You can see the difference! Remember I’ve only been using my iPhone 8 to take the pictures.
Finding the exact item online can be a bit challenging at times. If you copy the image make sure it matches and shows what you’re selling.
Declutter Tip #2: Make a detailed description
It’s important to write a detailed description of whatever you’re selling. I’ve found the more detail, the better.
One way to find the wording is to Google whatever you’re selling. Remember to make sure it’s the replica of the item. If so, there is usually a good description.
Finding your piece can be tedious but taking the time is worth it. That helps you get top dollar and sell the item faster.
Here are a couple of examples:
Footed Demitasse Cup & Saucer Set; Lavender Rose by Royal. Vintage item from the 1960s; Material: Ceramic, Height: 2 3/4 in, Width: 3 1/2 in, Special Characteristics: MONTROSE Bone, and Crafted in England.
That was all I could find on the Mitterteich Demitasse. I was lucky to see that because they are not around any longer. After hours of looking, I found out they made these in Occupied Japan during World War II.
Gorgeous Antique Mitterteich Demitasse Footed Cup & Saucer Blue/Gold. Made in Germany. Perfect Condition.
The buyer who came to purchase the teacups had a collection of over 150. She said they were a perfect match for her collection. When people visit, she serves tea in them. She prides herself that those who come never use the same cup. That was a fun sale.
You might also like Here are 5 Things I Won’t Give Up Just to Save Money Your Values and Your Money – Do They Align?
Declutter Tip #3: Compare your price to a comparable new item
Like new Schwinn Recumbent Stationary Bike.
Goal Track capability enables a user to set individual exercise goals
20 levels of resistance for a wide range of workout intensity options
High speed, high inertia drive system for easy start-up and smooth, quiet workouts
DualTrack 2 LCD screen displays offer increased visibility to programs and goal tracking
22 preset workout programs: 9 profile, eight heart rate control, two fitness test, one quick start
Seat rail slider system with easy adjust lever customizes the fit for each user
Charging USB port to keep phones, tablets or music players at full battery life:
MP3 input to listen to your favorite playlist through in-console speakers. Dimensions are 64 X 27.7 X 50 inches and 300 pounds
New on Amazon $429 or used $290, plus $84 to assemble. We had the bike assembled professionally. We bought it in 2017.
I sold the bike for $280. It was like new. Fred bought the bike for me from Amazon. I found it uncomfortable to ride. We joined a local gym and had pretty much stopped using the bike.
I’m sure you can tell my picture versus the copied image from Amazon. This item sold quickly close to asking price of $300.
Declutter Tip #4: Be patient
A few years ago, Fred and I bought brand new road bikes.
Mine was a Specialized Roubaix Pro II. We had it custom fitted for me. We loved biking together. He’s 6’3″ and me 5’4″. I could never keep up with him on the rides. That was true before and after the purchase of this gorgeous bike. But we still made it work.
Here are a couple of pictures of the bike I loved. It was a 2010 Specialized Road Bike.
You will notice the description is quite detailed, and I was asking the blue book price of $600.Yes, we discovered bikes have a blue book value. Here’s what I found online with help from an REI bike expert:
Specialized Roubaix Pro II, 700 x 23c w/Flak Jacket puncture protection. Components Brakeset: Shimano 105; Shift Levers: Shimano 105 Rear Cogs: Shimano 105, 10-speed: 12-27;
Saddle: Specialized Body Geometry Avatar Gel;
Handlebar: Specialized Pro Ergo, aluminum
Handlebar Stem: Specialized Comp-Set, aluminum.
Specialized’s Roubaix Comp Compact is a zippy road machine that rides so smoothly and comfortably that you can easily double your mileage. Specialized’s Zertz vibration-damping elastomer inserts boost the carbon fiber’s inherent road-smoothing qualities, while the back-friendly riding position gives you miles of comfort and control.
Plus, the 20-speed Shimano 105 drivetrain delivers the right gearing for every ride, while the reliable Mavic Aksium wheelset rolls effortlessly and is built to last.
And, this carbon beauty comes with a full complement of Specialized’s excellent aluminum components.
Size 29″ or 49cm.
Makes you want to but it right now, doesn’t it?
As I mentioned, I‘m 5’4. The representative at Spokes in Vienna did a beautiful job fitting me to this bike. It’s a men’s bike.
They built this bike for both comfort and speed. I’ve never ridden a more comfortable bike.
I ended up receiving $550.00 for the bike. The cool story is the bike was fitted to me, a 5’4 frame. The bike fits me like a glove. It was a fantastic and comfortable ride for me. We would ride for hours, so it had to be comfortable.
Several people looked at the bike. Most were men, and it was to short for them. I left it on the Market, and Facebook yard sales for almost two months. I thought it would never sell.
On a Friday evening, I received a Facebook message from a gal who was interested and wanted to see it on Saturday. My first question was what is your height. She said 5’4 ½. (I think she could be the one!). The next morning around 11 am, she shows up.
I offered her my helmet, gloves, etc. She mentioned she had just finished an Ironman and was riding a big clunker of a bike. It had a steel frame. She said it was time for her to step it up and purchase a bike more suitable for her competitions. We turned her lose on the bike, and waited, and waited for her to return.
The joyful ride
When she returned from the ride, the look on her face was one of joy. She said she’d really “kicked it out” on the bike; that she loved it and a wanted to take it. As it turns out, she is in the military and works at the Pentagon and bikes to work every day.
It made me very happy to sell the bike to someone I knew would take care of it. I mentioned the bike was always kept inside and serviced each year. I included extra tires for a flat, a specialized tire pump, bike rack for $50, and a little bag to attach to the bike. She was happy, and I was even more pleased. We are friends on Facebook, and she sends me pictures of the bike.
I walked away with $600.00 from that sale, plus enjoyed riding the bike for eight years plus.
When something doesn’t sell
Books and magazines will not sell on the Market Place or Facebook yard sales.
We found a local bookstore called 2nd and Charles in Woodbridge. We took ten boxes of books, everything from non-fiction, Christian, self-help, decorating, cookbooks, etc. The bookstore took almost five days to rummage through the boxes. They called with an offer, which we accepted. There were three boxes of the books they didn’t buy. They gave us $75 for the others.
They have a “free bin” on the front sidewalk of the store. We left the other three small boxes of items there. The last thing we wanted was to haul boxes of books back in the house. We were happy to get what we did.
Declutter Tip #5: Watch your ads
On the market, you have to renew the ad every seven days. And that’s an excellent time to change the price, wording or even a picture. Sometimes providing an idea of what to do with an item if it’s not obvious already.
For instance, I had a large basket which I placed little blankets in to keep the clutter down in the family room. I mentioned this on the add when selling the basket. The eventual buyer said the idea is what made her want the basket. If small things are not selling like a basket, kitchen item, etc. I will mark it down a $1 or $2, to push it back to the top of the list.
A lot of the items I’ve sold have been the Market Place top picks for weeks. By following the tips, your piece could be a top pick in your neighborhood.
In case you can’t decide what to sell here’s a list of some of the items I’ve sold:
[table id=10 /]
It looks like I’m over $3,000 as of this writing. And I just sold the Vintage Shafford Pitcher, which was collecting dust.
The beautiful thing is the clutter in my home is becoming less. I’m selling items we have not touched in years.
Watching the excitement on the buyer’s face is fun and rewarding. It’s interesting to see how much money I can make on this stuff. It’s also fun to see others get excited about the things you’re discarding.
It’s Fred here with some closing thoughts.
I can’t tell you how little patience I have for this kind of thing. If it were up to me, things would likely never get sold and still be taking up space. I’ve never seen anyone as patient and detail oriented as Cathy with this kind of thing. She’s persistent. And she’s a tough negotiator. I’ve watched her over the past few months get better and better at it.
Since my office is at home, I’m the one that handles the transaction end of the deals. She’s right about how joyful many of the buyers are.
Last week, a guy came to by an old TV from us for $30.00. He came to the door while his son (probably nine or ten years old) stood outside and watched. You could see how excited the son was. Though he didn’t say, the dad was likely buying the TV for his son.
The woman who bought the teacups was a real jewel. She and her husband have a very successful landscaping and nursery business. I remember the conversation Cathy had with her on the phone. I heard her asking Cathy what else she had to sell. She ended up buying $160.00 worth of stuff.
She sent Cathy a text to tell how much she loved one particular item. I never dreamed we could get that kind of money out of things that sat for so long and, for which we had no use. And I’m grateful to Cathy for having what it takes to do this and sharing her strategies with all of you.
I hope you found it helpful. If you did, let Cathy know in the comments below.
Now it’s your turn. Have you decluttered your house? If so, did you sell things? Give them away? A combination? Let us know in the comments below.
Consoles make up a large portion of the video game market, but they are not the only way to play them.
There are mobile and PC games, some of which can be played on both consoles and PC. There have been endless debates about whether consoles or PCs are better for gaming.
This article doesn’t address this debate, but it will provide you with solid options for gameplay that will help you settle the dispute for yourself.
Here’s the list of 35 of the best PC games.
The 35 Best PC Games to Play Right Now
Ever wondered what it would be like to be a psychically powered agent of a secret government agency?
Even if you’ve never had that particular Fantasy, Control is definitely worth playing. Players get to play, Jesse, a young woman looking for her brother. Her search takes her to the Bureau of Control and its headquarters, The Oldest House.
As Jesse explores the building, she encounters more mysteries, enemies, and gains new psychic powers. This is a fantastic game, with a unique and riveting storyline.
The Witcher 3
The Witcher is one of the most popular video game series ever.
The adventures of Geralt are legendary! Between the books, the Netflix series, and the games themselves, few people haven’t at least heard of the series. Enjoy all the things you love about high Fantasy in this epic game.
Grand Theft Auto 5
Grand Theft Auto 5 is one of the most popular Grand Theft Auto games out there.
The game is expansive and allows players to explore some of the best things about the series.
A massive open world and the kind of storyline GTA is known for gives this game instant classic status.
When Fortnite came out, it took the world by storm. The game remains wildly popular to this day, with significant features like a Star Wars reveal and a Deadpool cameo, it is no wonder why.
Players can spend hours running around this battle royale style game. The ability to strategize and build custom forts are the hallmarks of this game and offer players an endless array of battle possibilities.
Overwatch is a team-based, first-person shooter, which focuses on avatars (aka heroes), each with a specific skill and fighting style.
There is a sequel to this game in the works and is supposed to feature new heroes, new powers, new skins, and all-new settings.
Elder Scrolls is a monolith in the high fantasy video game genre. This series is one of the most expansive open-world RPGs of all time. Magic, elves, dragons, and epic quests are the hallmarks of this series.
Regardless of which game in the series you choose to play, players will be guaranteed weeks of fun and adventure.
Minecraft is a game unlike anything else on the market. It has completely shaped a generation. Its name recognition is off the charts.
This pixelated build your world is perfect for endless fun. There’s always something new to try or explore in the marvelous world of Minecraft.
Ever wanted to be an amnesiac who solves murders? Yeah, I didn’t know I wanted to be one until I played Disco Elysium.
This game is one-of-a-kind. It has no combat whatsoever. The game progression is determined by a player skill tree development and dialogue choices. The game offers true mind games.
The Elite series is one of the longest-running series in video game history. This space adventure has always been iconic.
There are multiple games in this franchise, and each one of them is worth the playthrough. Battle aliens and travel through space in this exciting out-of-this-world series.
League of Legends
League of Legends is a significant player in MMOs.
It is a classic multiplayer online battle arena (aka MOBA). Team battles are the name of the game here, and League of Legends does the game very well. There have been plenty of expansions on this already comprehensive platform, and it is definitely a fun game to play.
Half-Life is a dystopian post-alien invasion survival series.
It even has a VR title, Half-Life: Alyx, which is the most recently released game in the series. The titles focus on the struggles of working outside the law in a post-apocalyptic society.
This game is good for gritty sci-fi fun.
DOTA 2 is the perfect game for fans of League of Legends, just, you know, free (mostly anyway). The game is a multiplayer online battle arena (aka MOBA). It features a battle between two teams of five.
Players get to control a powerful hero, each with its unique abilities. FYI, the free version doesn’t offer heroes, but the paid version does. Either way, the game is loads of fun and is excellent for those looking to enjoy a good team battle.
World of Warcraft
One question: Horde or Alliance? World of Warcraft is another open-world RPG derived from a high fantasy background.
Play solo, join a guild, or team up to hit dungeons. WoW is always adding new content, and players can enjoy an increasingly expanding world with endless quests. Either way, WoW is an excellent addition to any video game library.
BioShock: The Collection
BioShock: The Collection is actually a remastered version of all three BioShock games. These three games are all first-person shooters.
The first two games are set in the underwater city of Rapture. The third is a prequel. The games all feature custom weaponry and a passing critique of politics. What’s not to love?
Doom is retro video games at their finest. The game is a first-person shooter that takes place in a post-apocalyptic world. Gamers get to play the Doom Slayer, a demon hunter looking to eradicate the demons that have taken over.
Doom Eternal is the newest installment in the Doom series, and it is loads of fun. It is well worth playing, even for those of us who aren’t the best at first-person shooters.
Red Dead Redemption 2
Red Dead Redemption 2 is loads of fun. Fulfill all of your cowboy fantasies, ride around on your horse, track down criminals, and explore the Old West.
The game is an RPG, but it feels refreshing, given its historically realistic take on historic America. Red Dead Redemption 2 is perfect for RPG fans who want to focus on an open world without high fantasy aspects.
Ori and the Will of the Wisps
Ori and the Will of the Wisps is a gorgeous computer game. The graphics are stunning, and the story is both uplifting and heartbreaking.
The cute little forest spirit character is absolutely charming, and the score is haunting. This is a beautiful game, and everyone should try it at least once.
Call of Duty
Call of Duty is yet another team-based first-person shooter, although this one is meant to be based in realism. This means that the weapons, ammo, abilities of the players, and the environment are based on the weapons, ammo, abilities of actual humans, and environment found in real life.
The newest addition to this series is called, Call of Duty: Modern Warfare. Grab some friends and raid some ammo caches, Call of Duty has a version for everyone.
The Sims have been around forever. It is a completely unique RPG, and when it came out, it was one-of-a-kind. Operate a completely customized avatar and create a customized setting from a city to a neighborhood to a house. The Sims offers tons of options, so there’s always something to do there. It’s a great game, and if you like Minecraft or Animal Crossing, there are probably elements of The Sims that will excite you as well.
Apex Legends is a battle royale game set in the same universe as Titanfall. Sixty players are divided into 20 teams and set loose on each other. The exciting thing about Apex Legends is the way it lets players communicate. The ping system is rather unique and very useful. If you like battle-royale games, then you’ll like Apex Legends.
Players looking for a real challenge can check out the Outer Wilds. This game is a real challenge. The game starts with an astronaut stranded on a planet where the sun is about to go supernova.
Gamers get 22 minutes to discover everything they can about the world they’re on, why the sun is going supernova, who the natives are. After 22 minutes, the supernova occurs, and the game starts from the beginning, with players getting to use the information from their previous playthrough to further their progress. It is nail-biting, satisfying fun.
Tom Clancy’s Rainbow Six Siege
Rainbow Six Siege is a tactical shooter game. Players get to play a spec-ops anti-terrorism unit. The unit takes various missions such as diffusing bombs, rescuing hostages, taking on terrorists.
This is an excellent esports, multiplayer game. Fans of military tactical games are sure to love this game.
Divinity is a turn-based fantasy RPG. The series is dark and action-packed, making it a fan-favorite. The game offers a one-of-a-kind situation where gamers can operate two avatars in single-player mode and one avatar a piece in co-op mode.
PvP and PvE games are all the rage, and few games capitalize on their popularity more than the Destiny franchise. This first-person shooter is one wild adventure. Given how much fun the game is to play, it is little wonder that it was named Game of the Year back in 2014.
All three expansions are worth playing.
Mass Effect is a military sci-fi MMORPG set in space. This trilogy is fantastic, despite criticisms of the third installment (the first and second games are universally loved). The games are classic MMORPGs.
Intriguing dialogue and dynamic characters make Mass Effect a series for the ages. Mass Effect is an absolute delight with hours of gameplay for players to indulge.
Dragon Age is a favorite fan, MMORPG. It is another high fantasy powerhouse, known for its complex plots, and in-depth lore. The series has three games released thus far, but news of a fourth installment is already out.
Each game is fantastic; the characters are engaging; the plot is riveting, and the setting of Thedas is beautiful. There is absolutely no reason why fans of fantasy games shouldn’t love this series.
Star Wars: The Old Republic
Star Wars: The Old Republic is a wildly popular free RPG and for a good reason. The game has been around for ages, and there are few games as massive as this one. The game takes all the best things about Star Wars and puts them at players’ fingertips.
Join the Jedi or the Dark Side and explore the galaxy. May the force be with you.
Dishonored is a gritty industrial action-adventure series. This first-person shooter is perfect for fans of action-strategy RPGs. Players get to enjoy the challenge of infiltrating target locations and gaining magical abilities.
Uncover the truth behind those who betrayed you and clear your name. With a star-studded cast and gorgeously rendered recreations of major global cities, Dishonored is a great series, and everyone should play it at least once.
Portal is a fascinating puzzle game. It features a cute stick figure named Chell, who uses a special device called, “the Aperture Science Handheld Portal Device”. The device creates portals between two flat planes.
The puzzles in this game are loads of fun, and they’re great for hours of fun. Battle the evil AI, GLaDOS (aka Genetic Lifeform and Disk Operating System), and reward yourself with cake!
Final Fantasy is an iconic series. The characters and storyline are beloved the world over. The series has over 15 games in the main storyline alone, and even though not all of them are available on PC, the ones that are, are amazing.
The games aren’t light on playthrough times either, with the average game requiring 30+ hours to complete the main questline. Final Fantasy is a fantastic franchise, and all of its games are worth playing.
Baldur’s Gate is a unique RPG with an interesting origin. The game gets its start from the popular tabletop RPG, Dungeons & Dragons. The major races and settings are pulled from the Forgotten Realms, which is a particular ‘world’ within D&D.
It is a delightful cross-section between the tabletop world and video games. Explore the world of D&D like never before in Baldur’s Gate.
Bayonetta is a sleek, cool video game that hails from Japan. It features a wickedly powerful witch whose name is, you guessed it, Bayonetta. Bayonetta is an angel-slaying, demon-summoning, gun-slinging enchantress.
This game is all about style, the flashier the fight, the more rewards you get. Players will get to up their noir fantasy game with Bayonetta.
Left 4 Dead
Who doesn’t love a good zombie apocalypse survival challenge? Left 4 Dead has all the hallmarks of an excellent survival horror series. It is a first-person shooter with its twist on the historical genre.
There are four protagonists, and the game requires no small amount of teamwork to succeed. It is an excellent game with a unique take on a favorite fan subject.
Ah, the old school mafia. Who wouldn’t want to play an old fashioned mafia member, from the golden age of the rat pack? The whole series is engaging and worth every minute of gameplay.
The gameplay is fun, and the dialogue hearkens back to all of those mafia movies we all saw as children. Nostalgia with a dash of chaotic evil anyone?
Tetris is a true OG in computer games. It even comes pre-loaded on some of them. Recently, Tetris was given a facelift called the Tetris Effect. This reboot is even more addictive than the original.
The game has psychedelic backgrounds and a track tailor-made for the rhythms of this puzzle game. This game rockets up the nostalgia and ups the fun of this truly timeless classic PC game.
Bonus: Horizon Zero Dawn
Horizon Zero Dawn started as a PS4 exclusive, and it remains one of the most popular PS4 games to date. However, it was announced recently that the game would come to PC in the summer of 2020. If the game is half as popular on PC as it is on PS4, then it will be one for the ages.
The Bottom Line
Any one of these games is perfect for days of immersive fun. With the right PC and graphics package, players can take some of their favorite console games to a whole new level. Fans of games from all across the spectrum will find something enjoyable on this list. Whether you’re a PC purist or a console addict, any one of these games is guaranteed to entertain.
A Netflix anunciou ontem que a série de graphic novel de comédia de terror de Hamish Steele “DeadEndia“Chegará em breve a uma tela perto de você.
Os estúdios da Blink Industries, indicados ao BAFTA e em Londres, adaptarão as premiadas novelas gráficas em uma série animada em 2D para a plataforma de streaming. Está programado para estrear globalmente na Netflix em 2021.
Hamish Steele explicou que, “DeadEndia é sobre demônios aterrorizantes, fantasmas vingativos e magia misteriosa. É também sobre atingir a maioridade em um mundo que não foi feito para você. É um drama sobre encontrar família, identidade e cometer erros. E, claro, é uma risada em voz alta! Eu sempre sonhei em fazer o programa que eu precisava como um garoto gay solitário e obcecado por horror, e graças à Netflix e à nossa sala e equipe de escritores ridiculamente talentosos, diversos e representativos, passamos dos meus sonhos e nos tornamos mais loucos território de fantasia! ”
DeadEndia baseia-se na série de novelas gráficas de Steele e na web curta Fim da linhae segue as aventuras de Barney, Norma e o cachorro-falante mágico Pugsley, enquanto equilibram seus empregos de verão na casa assombrada do parque temático local, enquanto lutam contra as forças sobrenaturais totalmente reais que nela habitam.
Juntamente com seu guia para o multiplano do submundo, um demônio sardônico de mil anos chamado Courtney, eles enfrentarão mascotes zumbis, apresentadores demoníacos de game show, bruxas que chupam o sono e a coisa mais assustadora de todas: suas primeiras paixões!
A série contará com o talento de Zach Barack como Barney, Kody Kavitha como Norma, Emily Osment como Courtney, Alex Brightman como Pugsley, Clinton Leupp (também conhecida como Miss Coco Peru) como Paule Phoenix, Kenny Trans como Logs e Kathreen Khavari como Badyah. .
Os romances gráficos foram elogiados por capturar as dores crescentes do início da idade adulta, com um elenco de personagens com uma grande variedade de identidades e experiências, incluindo Barney, um adolescente transgênero e Norma, que é neurodiverso.
Você pode pegar DeadEndia em 2021 apenas na Netflix.
Na Parte 1: Identificando o problema, compartilhei a abordagem única de Lawrence Yeo sobre o dinheiro e a metáfora da roda de hamster, onde continuamos girando e não conseguimos sair. Desde então, tenho pensado mais sobre como desacelerar as coisas, atacando cada etapa do ciclo. Para ser sincero, não sei se consigo explicar adequadamente os conceitos de Yeo, então criei minha própria versão da roda de hamster. Aqui está, bastante apressadamente desenhado:
Uma crítica comum à busca de liberdade financeira é que se trata de dinheiro. Fazer mais dinheiro. Gaste menos dinheiro. No entanto, se você der um passo atrás, o dinheiro é apenas parte do fluxo entre como você passa o tempo em sua vida. Quão você está fazendo esse dinheiro? Por quê você quer mais dinheiro? Por quê você está gastando o dinheiro?
Assim, aqui estão várias maneiras pelas quais alguém pode diminuir o impacto de cada parte do ciclo.
Encontre um trabalho mais bem remunerado, igualmente gratificante e estimulante. Tente salvar o excesso. Não fique mais insatisfeito por mais dinheiro.
Encontre um trabalho mais gratificante e estimulante, mesmo que pague menos. Seja mais feliz e, portanto, precisa gastar menos para substituir essa felicidade.
Envolver-se em atividades não relacionadas ao trabalho que forneçam significado e estímulo. Se você precisar de um emprego melhor, trabalhe com uma nova habilidade. Se você precisar de mais estímulo, inicie um negócio paralelo e mantenha seu emprego atual. Ou apenas encontre um novo hobby / esporte / idioma. Agir é a chave, pois as atividades certas o energizarão.
Reduza o consumo de mídia de baixa qualidade. Pare de consumir coisas que o fazem se sentir pior consigo mesmo. As atividades erradas irão drená-lo, o que incentiva mais gastos.
Exercite-se mais (tente ao ar livre ou com outras pessoas) e coma melhor comida. Isso lhe dá mais energia o dia inteiro.
Gaste menos dinheiro com coisas que não importam, então você precisa de menos dinheiro. Corte os gastos irracionais e inúteis.
Gastar Mais dinheiro nas coisas que realmente importam para você. Agora que você deixa de pensar, pode gastar mais em melhorar os relacionamentos interpessoais ou energizar as atividades (veja acima).
Quanto mais você aprende a controlar esse ciclo, mais pode usar o conceito de “Suficiente” para aumentar a diferença entre entrada e saída de dinheiro. Desacoplar ganhos e gastos. Invista em ativos produtivos suficientes para que a renda necessária seja cada vez menor.
Abordar o problema de um ângulo, ajuda a libertá-lo para atacá-lo de outro ângulo posteriormente. Por exemplo, se você comer e se exercitar melhor, poderá ter energia suficiente para tomar medidas corretivas, e não apenas fantasiar sobre esse assunto quando realmente liga a TV após um longo dia de trabalho.
“O conteúdo editorial aqui não é fornecido por nenhuma das empresas mencionadas e não foi revisado, aprovado ou endossado por nenhuma dessas entidades. As opiniões expressas aqui são apenas do autor. Este e-mail pode conter links através dos quais somos compensados quando você clica ou é aprovado para ofertas. ”
The Money Hamster Wheel, Parte 2: Várias soluções, não apenas mais dinheiro no blog My Money.
A Zynga fecha uma aquisição transformacional da Peak, sediada em Instanbul, expandindo seu portfólio de franquias para sempre com a Toon Blast e a Toy Blast.
A partir de 1º de julho de 2020, a Zynga concluiu a aquisição da Peak Effective. A Peak manterá sua cultura criativa e identidade de marca únicas.
Zynga expande portfólio de jogos com a aquisição da Peak
Líder global em entretenimento interativo, Zynga Inc. (Nasdaq: ZNGA) e Peak, criadora dos jogos populares baseados em Istambul, Peak Toon Blast e Toy Blast, anunciaram hoje que as empresas fecharam a transação sob a qual a Zynga adquiriu todas as ações ordinárias emitidas e em circulação da Peak por um preço total de compra de aproximadamente US $ 1,85 bilhão, composto aproximadamente por contribuições iguais de dinheiro e ações ordinárias da Zynga.
Peak traz para a Zynga uma equipe talentosa e renomada e duas franquias para sempre, Toon Blast e Toy Blast, que se classificaram consistentemente entre os 10 e 20 melhores jogos de bilheteria nos EUA nos últimos dois anos, respectivamente. A sede da Peak permanecerá em Istambul, na Turquia, e manterá sua equipe de gerenciamento atual e continuará sendo liderada pelo fundador e CEO Sidar Sahin.
“Temos o prazer de receber a equipe extraordinariamente talentosa de Sidar e Peak na Zynga”, disse Frank Gibeau, CEO da Zynga. “Com a adição de Toon Blast e Toy Blast, estamos expandindo nosso portfólio de serviços ao vivo para oito franquias para sempre, aumentando significativamente nossa base de público global e adicionando ao nosso novo e empolgante canal de jogos. Como uma equipe combinada, estamos bem posicionados para crescer mais rapidamente juntos. ”
Fundada em 2010 por Sidar Sahin, a Peak desenvolveu as amadas franquias de jogos Toon Blast e Toy Blast. Conhecida por sua inovação, criatividade e design requintado, Toon Blast e Toy Blast popularizou a mecânica do ‘colapso’ nos jogos de quebra-cabeça de combinar 3 e capturou uma base de público global altamente envolvida, que está entre as melhores do setor em retenção de jogadores. Coletivamente, o Toon Blast e o Toy Blast têm mais de 12 milhões de DAUs móveis em média. Espera-se que o Peak aumente o DAUs móvel médio da Zynga em mais de 60%, enquanto fortalece o público internacional da Zynga. O Peak também aprimora o novo canal de jogos da Zynga, com projetos adicionais no desenvolvimento inicial.
“Estamos muito felizes em finalizar esta parceria monumental que afetará não apenas a Zynga e Peak, mas toda a indústria de jogos para dispositivos móveis”, disse Sidar Sahin, fundador e CEO da Peak. “No centro dessa parceria está uma visão comum – reunir pessoas através de jogos. A cultura de Peak está enraizada no aprendizado e no progresso incansáveis. Portanto, ao embarcarmos neste novo capítulo em nossa jornada junto à Zynga, continuamos tão comprometidos como sempre com nossa cultura única. Estamos muito empolgados com o nosso futuro combinado e com o que realizaremos juntos. ”
O fechamento desta aquisição é efetivo a partir de 1º de julho de 2020. A Zynga espera atualizar suas diretrizes para todo o ano de 2020 ao reportar os resultados financeiros do segundo trimestre de 2020 em 5 de agosto de 2020.
Sobre a Zynga Inc.
A Zynga é líder global em entretenimento interativo com a missão de conectar o mundo através de jogos. Até o momento, mais de um bilhão de pessoas jogaram as franquias da Zynga, incluindo CSR RacingTM, Empires & PuzzlesTM, Merge Dragons! TM, Merge Magic! TM, Words With FriendsTM e Zynga PokerTM. Os jogos da Zynga estão disponíveis em mais de 150 países e são jogáveis em plataformas sociais e dispositivos móveis em todo o mundo. Fundada em 2007, a empresa está sediada em São Francisco, com localizações nos EUA, Canadá, Reino Unido, Irlanda, Índia, Turquia e Finlândia. Para mais informações, visite www.zynga.com ou siga a Zynga no Twitter, Instagram, Facebook ou no blog da Zynga.
A Peak é uma empresa líder em jogos móveis, equipada por uma equipe que valoriza o progresso incansável. Peak acredita que os melhores produtos são criados quando pessoas talentosas formam equipes autônomas que lutam pelo impacto. Atualmente, a Peak tem duas franquias móveis de primeira linha – Toon Blast e Toy Blast – que se classificaram consistentemente entre os 10 e 20 melhores jogos de bilheteria nos EUA nos últimos dois anos, respectivamente, e coletivamente têm mais de 12 milhões de DAUs móveis em média. A Peak, fundada em 2010, está sediada em Istambul, na Turquia. Para mais informações, visite www.peak.com.
Não é segredo que a pandemia de coronavírus (COVID-19) mudou fundamentalmente a maneira como trabalhamos. Mas há uma possibilidade muito real de que essas mudanças não sejam apenas temporárias.
Depois que a pandemia passa, muitas dessas mudanças podem se tornar permanentes.
E os números estão provando o quanto de nossa cultura de trabalho foi movida on-line. O Zoom registrou 200 milhões de usuários diários em sua popular plataforma de videoconferência remota no mês de março. Tradicionalmente, cerca de 10 milhões de usuários fazem login por dia.
Segundo Gallup, mais da metade dos gerentes disse que a pandemia de coronavírus convenceu sua organização a deixar a equipe trabalhar em casa com mais frequência. E a equipe está usando essa oportunidade remota de trabalho para manter uma cultura de trabalho mais descontraída, gerar riqueza e gastar menos tempo em seus carros.
4 maneiras COVID-19 mudará sua carreira
A pandemia mudou a maneira como fazemos negócios de várias maneiras. Aqui estão os quatro primeiros.
# 1: Trabalhar em casa
A mudança mais óbvia é a ampla adoção da cultura do trabalho em casa. Mesmo sem a pandemia do COVID-19, as oportunidades de trabalho em casa aumentaram 159% nos últimos 12 anos. E nove em cada dez trabalhadores remotos esperam continuar trabalhando em casa pelo resto de suas carreiras.
o forçado o trabalho remoto configurado em 2020 mostrou muitas empresas que manter uma equipe remota tem vários benefícios, como melhorar o moral dos funcionários, aumentar a retenção de funcionários e reduzir os custos imobiliários, como espaço no escritório e serviços mensais associados.
Os benefícios do trabalho remoto são abundantes. De acordo com um estudo da SHRM, quase 75% dos funcionários remotos disseram que o trabalho remoto melhorou seu equilíbrio entre vida pessoal e pessoal. E 2 em cada 3 trabalhadores relatam um aumento de produtividade durante o dia trabalhando em casa, em vez de em um escritório.
Um relatório da Flex Jobs encontrou números semelhantes. “Desde 2013, equilíbrio entre vida profissional e pessoal (76%), família (44%), economia de tempo (42%) e estresse no trajeto (42%) são os quatro principais motivos relatados pelas quais as pessoas buscam trabalho flexível”.
É verdade que o trabalho remoto não será possível – ou mesmo benéfico, para alguns funcionários. Mas, os números mostram claramente que um movimento para trabalhar em casa é bem recebido pela maioria dos trabalhadores.
# 2: menos viagens de negócios
Embora as viagens de negócios não desapareçam completamente, a pandemia mudou o cenário das viagens. Notavelmente, os recursos de videoconferência remota como Zoom, Microsoft Teams e Skype revelaram a realidade da realização de negócios online, e não através de contatos pessoais, economizando tempo e dinheiro em viagens de negócios.
Como o Zoom, a plataforma Microsoft Teams disparou nos últimos meses. Agora, o Teams vê mais de 70 milhões de usuários acessando todos os dias, um serviço lançado pela Microsoft em 2017. O Skype aumentou em 70% o uso desde março de 2020.
Uma pesquisa da Global Business Travel Association, um grupo comercial projetado para líderes de viagens corporativas, descobriu que mais de 90% das empresas praticamente eliminaram as viagens corporativas. As fundações de negócios que essas empresas criaram para ajudar a garantir a continuidade dos negócios em todo o mundo provavelmente permanecerão, até certo ponto, após a aprovação do COVID-19.
# 3: projetos de escritório alterados
A pandemia mostrou o risco à saúde inerente a determinados projetos de escritório, especialmente aqueles em que as mesas estão de frente uma para a outra. Configurações apertadas de escritório mantêm sua equipe trabalhando muito próxima, potencialmente fortalecendo os riscos à saúde no escritório.
“As empresas terão que reorientar as estações de trabalho, para que as pessoas não se enfrentem. Isso pode significar mudar a localização do computador ou a fonte de energia ”, disse o especialista em arquitetura Marc Spector à CNBC.
“As empresas terão que remover todas as mesas e cadeiras em salas de conferência ou outras áreas comuns para dar maior flexibilidade à distância do espaço. Quaisquer objetos pessoais em mesas ou escritórios precisam ser removidos ”, acrescentou Spector.
Os escritórios abertos também podem estar no ponto de desbaste.
De acordo com o New York Times, muitos escritórios pessoalmente podem começar a incluir recursos de saúde, como proteções contra espirros e barreiras de acrílico entre mesas e áreas de trabalho. Estações de desinfetante para as mãos, filtros de ar e espaços de encontro ao ar livre (em vez de internos) são outras idéias que estão sendo ponderadas por muitas organizações.
O Times acrescentou que o aumento da licença médica paga pode incentivar os funcionários doentes a ficar em casa (ou trabalhar em casa), em vez de fazer com que os funcionários doentes se sintam obrigados a trabalhar no escritório e possivelmente espalhar germes.
# 4: Disponibilidade global de trabalhadores
À medida que mais negócios se movem on-line, a localização física da equipe se torna cada vez menos importante. Isso pode afetar os salários à medida que a demografia da equipe do escritório começa a variar bastante entre os países e seus custos de vida.
Além disso, a força de trabalho global pode mudar o processo de contratação. As opções de pessoal em todo o mundo aumentarão a competitividade de certos empregos, como cargos de entrada de dados, suporte por telefone e outras funções que não exigem habilidades especializadas.
De fato, muitas empresas estão buscando ativamente aumentar suas funções de suporte ao cliente, vendas e contabilidade, mesmo durante a pandemia. A redução de custos indiretos anteriormente imposta por limitações imobiliárias abriu várias oportunidades de contratação que empresas como CVS, United Health, Oracle e Citizens Bank estão tentando explorar.
Em conclusão, a pandemia do COVID-19 mudou fundamentalmente o mundo, e essas mudanças podem não ser temporárias. Muitas empresas entendem rapidamente a realidade de realizar negócios on-line e manter uma equipe remota.
No mínimo, a pandemia afetou fortemente o design do escritório para melhorar a saúde da equipe e continuará a influenciar as decisões de contratação nos próximos anos.
O post 4 maneiras que o COVID-19 mudará sua carreira para sempre apareceu pela primeira vez no Your Money Geek.
Comecei a procurar independência financeira porque simplesmente não conseguia me imaginar fazendo o que estava fazendo todos os dias da semana naquela época por mais 30 ou 40 anos. Algumas pessoas sabem exatamente o que querem passar a vida fazendo, e também paga as contas e mais algumas. Eu sempre tive inveja dessas pessoas. Estranhamente, nunca senti que ganhar mais dinheiro fosse a resposta final. Eu salvei diligentemente a fim de larguei o emprego e voltei para a escola e explore caminhos alternativos.
Esta semana, estive refletindo sobre a filosofia de dinheiro de Lawrence Yeo em How Money Forever Changed Us. É uma exploração de alto nível de como o dinheiro resolve e causa vários conflitos em nossas vidas. Isso culmina no que ele chama de Roda do hamster de dinheiro:
As perguntas feitas são um pouco diferentes do que você já viu em outros lugares. Trabalhar um trabalho que não preenche nossa necessidade de propósito e significado realmente tira algo de nossa identidade? É essa perda de identidade que estamos realmente tentando substituir gastando dinheiro? Por que é tão raro encontrar pessoas verdadeiramente felizes e alinhadas com seu trabalho e o resto de suas vidas?
Você terá que ler o artigo inteiro para entender todos os raios do volante (embora eu ainda não tenha certeza disso), e enquanto Yeo admite que não é possível “sair do volante” completamente, você pode faça alguma coisa:
Quando olho cada um dos raios no volante, vejo-os como oportunidades potenciais para diminuir a velocidade da coisa toda. Se estivermos cientes de cada mecanismo, podemos perceber quando estamos operando sob eles e diminuir o impacto por sua vez.
A roda do hamster é uma grande metáfora. Com o tempo, aceitei que a independência financeira sempre será rara. Eu pensava que renda mais alta = mais riqueza = mais estabilidade. Mas então notei que certas coisas não mudam quando as pessoas ganham US $ 75 mil vs. US $ 150 mil versus US $ 300 mil por ano. O bairro muda. O carro muda. Sim, até o patrimônio líquido médio muda (mas raramente chega a 33x de despesas antes dos 65 anos). A menos que eles obtenham um lucro extraordinário nos milhões, a maioria deles funcionará até os 65 anos ou mais. Muitos dirão que gostam do trabalho deles, mas nunca o fariam com um corte de 25% nos salários. A maioria nunca será capaz de lidar com um longo período de desemprego. Ganhe mais, gaste mais. Ainda girando no volante. Talvez seja assim que deve ser? Yeo apresenta uma solução:
Mas se tomarmos um tempo para olhar mais de perto, veremos que existe um meio termo. Um lugar onde nossos medos pudessem ser acalmados e nossos desejos pudessem ser reduzidos. Um lugar onde a busca por dinheiro recai apenas no essencial.
Em um mundo onde nem a escassez nem a abundância servirão, talvez a solução mais próxima do grande paradoxo se reduz a um princípio:
A capacidade de reconhecer quando temos o suficiente.
Parece fácil, mas chocantemente difícil. “Chega” não é incentivado em nossa cultura. Eu ainda luto com isso também, ou pelo menos temo não ser capaz de continuar a luta para sempre.
“O conteúdo editorial aqui não é fornecido por nenhuma das empresas mencionadas e não foi revisado, aprovado ou endossado por nenhuma dessas entidades. As opiniões expressas aqui são apenas do autor. Este e-mail pode conter links através dos quais somos compensados quando você clica ou é aprovado para ofertas. ”
A roda do hamster do dinheiro, parte 1: Identificando o problema do blog do meu dinheiro.
I created my list of the 25 best personal finance blogs in 2018. The list grows every year as I discover other blogs along the way. It now includes 45 top personal finance blogs.
Collectively, these blogs cover most, if not all, areas that make up personal finance. You will find articles on banking, investing, retirement, estate planning, insurance, mortgages, budgeting, saving, and much more. All of these winning blogs provide detailed analysis and reviews of the topics they cover.
In addition to my choices for the best personal finance blogs, I decided to recognize blogs that cover various niches. Though not meant to be comprehensive, the blogs listed are ones I’ve come to know, some on a personal level, others via recommendations from others.
I will continue to update the list as I discover new sites. If you have websites or niches, you think I should include, please pass them along in the comments. Though I can’t guarantee I’ll add them. I promise I’ll check them out.
Please let me know what you think and offer any recommendations in the comments below.
With that, here is my list of the 45 best personal finance blogs for 2020 and a few of the niche blogs I recommend.
The 45 Best Personal Finance Blogs
1. Nerd Wallet
Nerd Wallet started back in 2009 before personal finance blogs were a “thing.” Now, it’s known as one of the go-to sites for all things personal finance. On Nerd Wallet, you’ll find reviews and articles on just about any financial topic imaginable, including the traditional ones like saving, spending, and investing. Additionally, they cover credit cards, personal loans, debt payoff, budgeting, insurance, and mortgages.
Articles often include recommendations on the best companies or resources on each of the topics. All suggestions you will find have ratings and a summary of the pros and cons, along with a link to each site. It’s one of the best resources for personal finance out there.
Check it out here – https://nerdwallet.com/
2. The Balance
Similar to Nerd Wallet, The Balance covers all things personal finance. They have a team of expert writers and specialists on their staff. The Balance boasts a 20-year collection of articles that total over 9,000! That is an incredible wealth of information easily found by searching the site.
The Balance is part of the DotDash family of companies. From their website:
“For more than 20 years, Dotdash brands have been helping people find answers, solve problems, and get inspired. We are one of the top-20 largest content publishers on the internet, according to ComScore, a leading Internet measurement company, and reach more than 30% of the U.S. population every month.”
Check it out here – https://thebalance.com
3. A Wealth of Common Sense
A Wealth of Common Sense is written and managed by Ben Carlson. Ben is a Chartered Financial Analyst (CFA). Ben’s focus is on wealth management, investments, financial markets, and investor psychology. Ben is the director of institutional management for clients of Ritholz Wealth Management, LLC, one of the most recognized names in the advice industry.
Also, Ben has a weekly podcast. From the website: “Every Wednesday, you can listen to a new episode of my podcast Animal Spirits with Michael and Ben. Fortune named Animal Spirits to its list of Best Business Podcasts.”
If you’re an investor looking for insights and knowledge about your investment portfolio and the financial markets, stop by A Wealth of Common Sense.
Check it out here – https://awealthofcommonsense.com/
4. White Coat Investor
Jim Dahle is a practicing E.R. physician and one of the O.G. bloggers, especially among physician blogs. Like many physician bloggers, Dr. Dahle decided to learn about personal finances after having several bad experiences with financial advisors. He dove in to learn about personal finance and investing. As a physician and high-income professional, he was especially interested in learning the things that would help him and others in the high-income arena.
Here is how he describes the mission of WCI on his website:
The White Coat Investor has a three-prong mission that has served our community and us well over the years:
To help those who wear the white coat get a “fair shake” on Wall Street (i.e., boost financial literacy among high-income professionals)
To feed my entrepreneurial spirit (build something larger than ourselves, create jobs, and make a few bucks ourselves)
Connect our community with the “good guys” in the financial services industry (thankfully there are a few of them out there)
Even if you’re not a physician, you will find valuable troves of articles, tools, book recommendations, and courses to help you get and keep your finances in order.
Check it out here – https://www.whitecoatinvestor.com/
5. Dough Roller
Started by Rob Berger, Dough Roller is another one of those blogs that covers all things personal finance. Rob has been in the personal finance blog space for many years. He founded Dough Roller in 2007. A former litigation attorney in the securities industry, Rob brings a unique perspective in his own writing. Additionally, he has numerous expert contributing writers that provide content on the site.
With the focus on managing and investing money, additional topics include credit cards, personal finance, debt, insurance, and banking. Articles are detailed and in-depth on every topic covered. Rob and his team are experienced, engaging, and informative. I’m confident you’ll find what you’re looking for on the Dough Roller.
Check it out here – https://www.doughroller.net/
6. Get Rich Slowly
Like many successful personal finance sites, Get Rich Slowly highlights the story of the struggles of the founder, J.D. Roth. In his bio, he says he started in 2006 to document his efforts to get out of debt. These are compelling articles that are not hypothetical situations. Instead, they represent his real-life struggles to learn how to manage his finances.
What struck me when I read J.D.’s story was the mentality he adopted to take control of his money. That is, he decided to look at his personal life as a business. He looked for ways to lower expenses, increase revenue, and pay down debt. He created a spreadsheet intending to be debt-free in 3 years. That goal became a reality. J.D. offers principals he learned that readers could adapt to their own lives.
Readers will also see featured articles from other writers and publications to further assist in the quest to get control of their finances. The style is relaxed, while the content is rich.
Check it out here – https://www.getrichslowly.org/
7. Money Saving Mom
Crystal Paine is the founder and author of Money Saving Mom. Crystal is married and the mother of three kids. She’s a devout Christian and lets you know that upfront as follows: “I’m first and foremost a child of God. I’m passionate about glorifying Him and making the most of my days on this earth.” Crystal was a homeschooled child. She has five other siblings and credits her parents with much of her passion for being financially savvy.
If you’re looking for the latest shopping deals and giveaways, look no further than Money Saving Mom. Crystal offers tips on finding deals at some of your favorite everyday stores like Target, Walgreens, and Walmart. She’ll also help you find coupons for everything you’d possibly ever want or need. She even has a coupon database with over 4,000 coupons on it. Yup. I said 4,000! You can also find posts on managing your money, home and family, recipes and cooking tips from the kitchen, and much more.
Learn from someone who lives to find deals.
Check it out here – https://moneysavingmom.com/
8. Physician on Fire
The Physician on Fire is one of the best personal finance writers out there. I have my issues with some of the physician bloggers out and their attitude toward financial advisors. One of the many things I like and respect about PoF is his approach toward advice. He has a strong opinion about how they should be compensated and offers a list of advisors that meet that criteria. That’s a refreshing difference in the blogosphere. Here’s how he describes himself on his About page – “You can call me PoF, the Physician on FIRE. I’m an anesthesiologist, family man, and supposed outdoors enthusiast who spends way too much time indoors.”
His articles a thorough, well researched, and cover a variety of topics. He has a weekly series called The Sunday Best, where he features content from other bloggers that he’s read during the week. It’s one of the most read weekly summaries published.
A recent post on credit cards is an excellent example of the thoroughness of his writing. He’s not afraid to take on the conventional wisdom of the personal finance community. If he thinks something isn’t right, he’s say so. He lives outside the echo chamber that many bloggers occupy. You’ll want to check out his blog. Better yet, subscribe to it to never miss a post.
Check it out here – Physician on FIRE
9. Good Financial Cents
Jeff Rose, CFP, is the author and founder of Good Financial Cents. Jeff is an Iraqi war veteran who wrote a book titled Soldiers of Finance.
His stated mission is to help people take charge of their money and make “cents” of their financial future. Readers will find articles on just about every topic imaginable in personal finance. Jeff also has a vibrant YouTube channel with dozens of videos on many of his blog topics.
His articles and videos are open, honest, and transparent. He tells you where he’s succeeded and where he has failed. Jeff would say that his failures taught him more than any of his successes.
Jeff’s primary goal is to educate. This site does that very well.
Check it out here – https://www.goodfinancialcents.com/
10. Money Ning
Founded by David Ning in July 2007, Money Ning is one of the most straightforward websites to navigate. He has a fresh menu with limited categories (Frugal Living, Investing 101, Money Management, Beyond Money). Click on one of the titles, and you will find subtopics with multiple articles on each. David writes most, if not all, of the content on the site. They are succinct, free of industry jargon, and cover each topic thoroughly.
Here’s what David says about MoneyNing.
MoneyNing is all about:
Helping You Become Debt Free
Showing You How to Build Wealth Through Time
Letting You See For Yourself How Financial Choices Impact Your Life
MoneyNing has multiple offers on products and services, including banking, internet, mortgages, and travel. Reviews of each are thorough and detailed. Debt reduction and elimination strategies are a big part of the focus.
Check it out here – http://moneyning.com/
11. ESI Money
John, founder, and author or ESI Money is a fifty-something retiree. Before starting ESI Money, John ran the blog Free Money Finance. Though he doesn’t write for that blog, new content comes from guest posts from a variety of writers. John spends all of his time now on ESI.
ESI stands for Earn, Save, and Invest. The blog focuses on these three things. There’s a Millionaire Interview series in which ESI interviews successful people who, as the name suggest, are millionaires. The interview questions revolve around the three main themes of the. The ways people get to their definition of wealth and financial independence vary yet are similar. You wee that in the interviews.
Another interview series is the ESI Scale interviews. In these interviews, people answer questions about their success in working on the ESI scale. Once again, questions asked come from the earn, save, and invest categories. Participants have the opportunity to ask readers for help in any area they feel they need help. Readers offer their advice in the comments. These are two very informative areas of the site.
ESI also puts out lots of his killer content. I highly recommend this site.
Check it out here – https://esimoney.com/
12. Millennial Money Man
The founder and author of Millennial Money Man is Bobby Hoyt. Bobby says his site is geared toward Millennials. Here’s what he states as his mission:
“On this site, I teach Millennials how to make more money, save more money, and pay off debt so that they can live their best financial lives (and maybe drink some boujee wine or enjoy some fresh of avocado toast here and there).”
Ah, yes. The avocado toast. If I said that as a Boomer, I’d probably get banned from the blogosphere, I guess, as a Millennial, Bobby can get away with it. Good for him.
Like many Millennials, Bobby graduated from college with a mound of student loan debt – $40,000 worth. Unlike many Millennial bloggers, Bobby understands there is more than one path to financial independence. He focuses on three main areas – making more money, saving more money, and paying off debt. You can find Bobby on many of the major financial news sites like Forbes, Business Insider, CNBC, and Yahoo finance.
He reviews and recommends several tools to help you get a handle on your finances. You won’t be disappointed if you spend some time on Bobby’s site.
Check it out here – https://millennialmoneyman.com/
13. Financial Samurai
Sam Dogen started FinancialSamurai in 2009. He says that after thirteen years in corporate America, “money ceased to be a major driving factor.” In 20121, three years after starting his blog, Sam left corporate American for early retirement and full-time effort on FinancialSamurai.
How did he do it? Like many early retirees, Sam saved 50% or more of his after-tax paycheck. He knew to work 70 hours a week was not sustainable over the long-term. Sam invested those savings in stocks, bonds, real estate, C.D.s, and rental properties to build up enough passive income to leave the hectic pace behind. Essentially, he set up his early exit with these saving and investment habits.
The site has hosted over 30 million visitors since starting. Over 1 million visitors come to the site every month. That’s a fantastic number of visitors. His content categories include free wealth management, top financial products, how to negotiate a severance, and real estate crowdfunding. His corporate and investing experience brings a unique and much-needed voice to the blogosphere. Every post I’ve read is thoughtful, thorough, and full of great insights and information.
Check it out here – https://www.financialsamurai.com/
14. Making Sense of Cents
Michelle Schroeder-Garder describes herself as a young adult. She graduated from college after 2 1/2 years (one smart lady!) from what she describes as an expensive private school. Michelle moved on from there to get her MBA in finance. After graduation, she secured a job in the financial services industry as an analyst. Her over $38,00 in student debt weighing on her, she decided to put herself on a plan to become debt-free.
Having achieved that goal, she thought it would be helpful to write about her experience (sound familiar) and started Making Sense of Cents. The blog became so successful that she left her corporate job and began blogging full time. She, her husband, and their two dogs now travel the country managing Making Sense of Cents from an R.V. (NICE!) They purchased the R.V. with the revenue generated from her blog.
As for personal finance content, there is plenty. Clicking on the category tab opens up multiple topics related to personal finance with several article choices for each. Visitors will find a category for how to save money and how to make extra money. There is also a travel tab (which she knows something about).
Want to learn how to start a blog? She has a course offering for that. Want to learn how to monetize that blog? She has a course for that too. There is something for everyone at Making Sense of Cents.
Check it out here – https://www.makingsenseofcents.com/
15. My Money Blog
The author of My Money Blog is Jonathan Ping. He says he’s been “sharing about money” since 2004. Unlike many of the sites on my list, Jonathan keeps his topics pretty limited. He has four menu categories – early retirement, investing guide, money-saving tips, and credit card rewards. The early retirement page offers four articles with four lessons – Savings Rate, Earn More vs. Spend Less, Home-Buying and Mortgages, and How Much Can I Afford.
There are numerous additional categories on the right-hand column of the page. Some examples include annuities, book reviews, behavioral economics, funny, frugal living, inspirational, giving back, insurance, recipes, time management, and taxes.
Check it out here – http://www.mymoneyblog.com/
16. Frugal Rules
John Schmoll is the founder and author of Frugal Rules. His struggles are what prompted him to start Frugal Rules. When he came out of college, he had around $25,00 in credit card debt. As the name suggests, one of the keys to financial freedom is living within your means and being debt-free. John uses his personal story as a means to help others.
The tagline of the site is Freedom Through Frugality. As you would expect, then, there is a significant section of the website focusing on frugality. Like many of the sites on my list, John emphasizes the formulas for success as keeping expenses low, saving more, and eliminating debt. That’s how he obtained financial freedom. That’s what he recommends for his readers.
In addition to the lessons on frugality, John offers advice and recommendations on investing, debt, best credit cards, and online brokerage. The resources tab provides short reviews and special offers on many items.
Check it out here – https://www.frugalrules.com/
17. Modest Money
Jeremy Biberdorf founded Modest Money in 2012. In his about page back then, Jeremy describes himself as “just an average guy facing an average financial situation. It may not be glamorous, but life rarely is.” Jeremy started the site back then to help “normal people take control of their finances.”
The site has evolved since its start in 2012. The site has a team of regular contributors who primarily write about investment topics. Also, they provide content from outside voices to represent a diverse view of the investment universe. Here’s how they describe themselves now.
“As our readership grew and matured, investment topics became more relevant to our viewers, and now compose the backbone of the site. Modest Money founder Jeremy Biberdorf is no longer a regular contributor, although he still manages the business and marketing side of this website. Jeremy hand-picks all Modest Money contributors, to provide the most diverse array of investment perspectives you’ll find on the web.”
Unlike many of the FIRE blogs, who represent investing in an all index fund (mostly Vanguard), Modest Money offers and reviews many other investments for those who want to be more involved. You’ll find articles about real estate, cryptocurrencies, commodities, Forex, and many others. It’s not the typical investment site. I’d encourage you to have a look.
Check it out here – https://www.modestmoney.com/
18. P.T. Money
Philip Taylor (the P.T. in P.T. Money) started and is the proprietor of P.T. Money. Philip is passionate about helping people gain financial freedom. In addition to traditional articles, P.T. has a podcast called Masters of Money. Visitors can subscribe on iTunes, Stitcher, Overcast, and Google Play.
P.T. Money covers savings and investing as the two primary topics. Subtopics include auto savings apps, best budgeting apps, and savings and accounts. The investing category offers reviews of robo advisors and stockbrokers. The +More link provides links to offers for life insurance, free credit score, mortgages, student loan refi, and a new addition that includes retirement calculators.
P.T.’s also known for founding FinCon, a conference for anyone involved in the personal finance space. FinCon is held annually at a variety of locations. Last year it was Orlando, FL. I attended for the first time. It was a fantastic event with over 2,000 participants from the finance community, including bloggers, media, podcasters, authors, and even academia. If you’re involved in personal finance, I highly recommend this event. The 2019 event was in Washington, DC, not far from my Northern Virginia home.
Check it out here – https://ptmoney.com/
19. Budgets are Sexy
J. Money (J$) started Budgets are Sexy in February 2008. J$ states that his goal for the site is “to get people to stop and *pay attention* to their money.” As the title of the blog suggests, he’s a huge fan of budgets. From his “About” page: Budgets = Confidence = Sexy.Visitors will find Excel budget worksheets they can download. Keeping it fun is a part of J$’s strategy. Looking at one of the category links, “Spaving” is a perfect example. “Spaving” represents spending and saving strategies. Good stuff!
J$ sold his blog in 2019 to a subsidiary to The Motley Fool. That shocked and surprised many in the financial community. What would happen when The Fool took control. The answer – nothing much changed. J$ stayed on as the chief writer. During that time, a search was underway for someone to take his place when his time was up.
We met the new author, Joel, on June 1, 2020. His author box says the following:
“Joel is a 35 y/o Aussie living in Los Angeles and the guy behind 5amjoel.com. He loves waking up early, finding ways to be more efficient with time and money, and sharing what he learns with others. Rise Early | Retire Early!in this post – Elvis has left the building … but the show must go on! He’s been churning out content ever since.
Check out Budgets are Sexy here – http://www.budgetsaresexy.com/
20. Women Who Money
As the name suggests, Women Who Money is a site geared to help women make the best decisions about their finances. Rather than try to communicate their mission, I’ll let them tell you what they desire. From their homepage:
We desire to: “Empower women with the knowledge, skills, and resources necessary to improve their financial health and ultimately build financially secure and independent lives.You have money questions and concerns. We have answers. We understand the nuances of being female in today’s financial world. Our team has eliminated mountains of debt, saved thousands of dollars, and invested responsibly for a financially secure future. We’re now on a mission to guide other females to success on their own financial journeys.”
Women Who money’s founders are Amy, who blogs at Life Zemplified, and Vicki, who blogs at Make Smarter Decisions. They have expanded their team to five members and encourage guest posts from other women.
They have organized their content in a way that resembles college classes with 100-level (novice), 200-level (intermediate), and 300-level ( advanced). You’ll also find reviews on books, apps, and other financial related topics. They publish interviews with women who’ve had success in eliminating debt, raised families, went back to work, and become entrepreneurs. To offer further insight, they provide a directory of websites and podcasts of other successful women.
If you’re a woman looking for advice and education catered to women, you owe it to yourself to check out this site. You will find the posts thought-provoking and challenging. If you’re not sure about how to plan for your retirement, you owe it to yourself to check out Fritz’s site.
Check it out here – https://womenwhomoney.com/
21. The Retirement Manifesto
As the name suggests, The Retirement Manifesto is a blog about planning for and getting through retirement. The author, Fritz Gilbert. Fritz is the author of a recently published book, Keys to a Successful Retirement: Staying Happy, Active and Productive in Your Retired Years. In the book (and the blog), Fritz chronicles his journey to retirement, the steps he took, the success and failures along the way, and the lessons learned.
Fritz wrote his first article in April 2015. He retired in June 2018. Read about his journey and find out what he’s up to now on his blog.
From the website:
“I focus on practical Financial Independence and Retirement Planning issues for folks within ten years of retirement.”
If that describes you or if you want to know what to do when you get to the point, I’d encourage you to visit The Retirement Manifesto.
Check it out here – https://www.theretirementmanifesto.com/
22. Bible Money Matters
Bible Money Matters is a unique site. Started and managed by Peter Anderson, they focus on managing personal finance from a Biblical perspective.
Peter says his three primary topics for the site are “– finances, faith, and family – while sprinkling in a fair dose of just about everything else.” As you see from the logo, his tagline is Give More, Save More, Live More. The two main categories – Making Money, Saving money -match this tagline.
If you’re not a Christian, you should still check out this site. Yes, many articles reference Biblically based personal finance. In reality, these principals are sound for anyone. The common themes throughout are pretty straightforward and similar – save more, spend less, live within your means, invest wisely. These are also Biblically sound financial principals.
Being debt-free, another of Peter’s themes provides the best financial freedom there is.
Readers will also see some unique articles. One example is 10 Weird and Unconventional Ways to Make Money. Weird and unconventional are appropriate terms for what’s in this article.
So, don’t let the name discourage you if you aren’t a Christian. This site is full of valuable content and special offers.
Check it out here – https://www.biblemoneymatters.com/
23. The Simple Path to Wealth
As the name suggests, JL Collins is the founder and chief writer of JLCollinsNH. The Simple Path to Wealth is the title of J.L.’s book. Mr. Money Mustache writes the forward of the book (he gets around).
On his About page, J.L. says, “Around here we discuss: Money – Life – Travel – Business.” And that’s an accurate description. There is a menu link to a stock series that currently has 22 articles in it.
His manifesto tab lays out his thoughts on how to successfully build wealth. Here’s what J.L. says are the keys to financial independence: “spend less than you earn – invest the surplus – avoid debt.” Sound familiar?
Articles are serious, honest thoughts on The Simple Path to Wealth.
Check it out here – http://jlcollinsnh.com/
24. Wealth Well Done
Wealth Well Done is one of the more unique of my top 25 best personal finance blogs. Why? Billy B., the founder of the site, went to prison for ten years when he was 21 years old. He was convicted of “Reckless homicide by delivery of a controlled substance” after one of his good friends, he had partied with overdosed and died in his sleep.
I first heard Bill’s story when I read it on ThinkSaveRetire. I reached out to him, and we did an interview on my blog titled How to Persevere When You’ve Hit Rock Bottom. It’s an inspiring story of triumph amid overwhelmingly bad odds. When I went to the site, I was even more impressed. While in prison, Bill focused on transforming his mind and learning to write. Wealth Well Done is the culmination of those efforts.
Bill and Amanda, whom he married in 2015, focus on three principles for their site.
Escape Your Prison
Compound Your Cash
Pursue Your Purpose.
Escaping your prison means letting go of the things you regret. Whether that’s a bad marriage, bad financial decisions, addiction, or something else, the key to freedom is to release yourself from your mental prison.
Bill’s history makes this one of the most inspiring sites on the list.
Check it out here – https://www.wealthwelldone.com/
25. Maple Money
Tom Drake runs the Maple Money blog. Tom is a Canadian blogger who started Maple Money in 2009. In the blogger world, ten years is an eternity. He’s a veteran in the personal finance space, and it shows in his writing and content.
Tom covers four main areas – “…how to make money, save money, invest money, and spend money in a way that creates lasting financial freedom.”
Tom also has a very successful podcast called The MapleMoney Show. The show first aired on August 18, 2018. He’s interviewed dozens of people on a variety of topics. If you’d rather listen than read, The MapleMoney Show is a great option to consider.
Though Tom is Canadian, you don’t have to be a Canadian to benefit from his content. The principles you’ll find here are for everyone. Be sure to stop by and take a tour.
Check it out here – https://maplemoney.com/
Introducing themselves as the Frugalwoods, Nate and Liz live on a 66-acre homestead in Central Vermont. Like many of the younger bloggers, Nate and Liz quit their corporate jobs in Cambridge, MA, by living the life of “extreme frugality” and saving 71% of their income. That 71%, she says, is after their 401(k) contributions. Pretty impressive!
The site has a month by month archive of their articles on the left side of the page. The right side contains links to numerous and varied categories. Categories include traditional financial topics. These get supplemented by creative personalized topics like Frugal City Living, Frugal Hound Sniffs, Frugalwoods Philosophy, and Frugalwoods Reviews.
Additional non-financial topics include kids, epic treks, food, clothes, cars, and entertainment. “Reader Case Studies” highlight stories submitted to Frugalwoods and retold on the blog. Also, there is a Reader Suggests section where Mrs. Frugalwoods offers her top choices from reader discussion groups, comments, and forums. It is a very smart, informative, and unique site.
Check it out here – http://www.frugalwoods.com/
27. Len Penzo
Len Penzo is genuinely one of the O.G.’s in the blogosphere. He started Len Penzo dot Com in December 2008. Those of us who blog know blog years are counted like dog years. So that makes Len’s blog like 75 years old or so in blog (dog) years. That’s a long, long time. According to Len, he’s had more than 10 million page views and over 5 million visitors. Well done, my friend.
Here’s how he describes himself on his about page:
“I’ve always had a strong disdain for debt, which is why I’ve been practicing sound personal finance management since I graduated from high school many years ago. Using money, I saved working as a teenager, and throughout college, I was able to fully pay for my own education, room, and board, without the benefit of any loans.”
In case you need a translation, Len knows what he’s doing with his money. Asked what the central theme of his blog is, Len will tell you this:
“Well, my blog is all about being personally responsible — not only for our personal finances but also for everything else we do in life. As you will learn from my blog, the great thing about financial freedom is that anyone can attain it — regardless of income level!”
Did I mention that Len has a degree in electrical engineering and an MBA? I guess I just did. Not only is Len’s advice practical based on his own life experiences, but he’s also well educated. Len has a fun and unique writing style that keeps readers engaged. He makes personal finance fun. And think about that coming from an E.E. Pretty cool if you ask me.
Check it out here – https://lenpenzo.com/
28. The Penny Hoarder
Kyle Taylor is Founder and CEO of The Penny Hoarder. According to their About Page, The Penny Hoarder “was named the fastest-growing private media company by Inc. 500/5000 two years in a row.”
You will find articles on how to make money, find deals on food, groceries, and even recipes. There’s a section on how to get money out of class action lawsuits. The smart money section has the usual personal finance topics like debt, budgeting, bank accounts, retirement, and taxes. There’s also a section to alert us to the various scams thieves use to try and separate us from our money.
The Penny Hoarder has a great staff of writers. They feature content from freelance and other writers who are experts in their topics. You can spend a lot of time on this site and never see the same thing twice. I highly recommend you visit them.
These blogs are what we feel represent the best of the personal-finance blogging community. Others could make a case for being included. These are our personal favorites.
What follows are additional blogs we like. Various categories list them. Like the top 25, these are blogs we feel stand out as unique in their group. Some have been around for a long time. Others have not. We think these offer the right mix of both.
We hope you enjoy these and find blogs you may not have known.
Best Personal Finance Blogs – Other Veterans
Once a blog reaches a reasonable size and brings on multiple writers, the site becomes less about the founder’s personal story and more of an independent digital publisher. The blogs that follow still represent exceptional quality and some of the best money advice in the blogosphere.
29. The Simple Dollar
Trent Hamm, who started The Simple Dollar, says the mission of the site is “providing well researched, useful content that empowers our readers to make smart financial decisions.” The site is a virtual marketplace of information about everything personal finance. You can find reviews on credit cards, loans, insurance, investing, and banking.
When you click on any of these category links, you’ll find a menu of “best of” for the various offerings in that category. Each one has a detailed comparison and review. Their blog covers a wide variety of personal finance topics to help you get educated before you shop for products or services. Check them out at the link below. You won’t be disappointed.
30. Go Curry Cracker
Jeremy from Go Curry Cracker is a travel hacker extraordinaire, a tax genius, and an overall smart guy who pays attention to what’s going on around him. His blog is about his travels, but also about how to think about money in a whole new way.
And when I say money, what I mean is a lifestyle. The cheaper and more streamlined your lifestyle, the better positioned you’ll be to accomplish your goals – whether that be traveling the world or just hunkering down in your home town. Jeremy is analytical and eloquent, and one of the unique writers in the personal finance space. After all, just read what his about page starts with, “Go to school. Get good grades. Get a good job. Buy a house. Work for 30+ years. Be a good consumer. Retire on a golf course.”
31. Mr. Money Mustache
Don’t let the name distract you. Mr. Money Mustache is a credible personal finance website. It’s written by a guy who was tired of the rat race of the corporate life he and his wife were living. They wanted to start a family, so they decided to retire. What? Retire to start a family?
Yes! That’s what makes this site so valuable. Pete, which is the only name I could find for the author, retired at age 30. He started this blog in 2005 at age 36. Pete says he made it because he “lived a lifestyle 50% below his peers.” He saved a lot more than most. Not earth-shattering, but very difficult to implement.
You can read his entire journey to financial freedom, starting with his first article, written on April 6, 2011. He tells his own story and challenges readers to think about their own lives and how to affect change to move toward financial freedom.
There are multiple articles and recommended resources, a page called MMM Classics, representing selections chosen by Mr. Mustache. It’s a fun site, but chock-full of great material to help you manage your finances.
Best Personal Finance Blogs – Unique Offerings
32. Money Saved is Money Earned
The money Saved is Money Earned blog is one of the more unique blogs I’ve found. What makes it unique is that the blog has two owners and authors, Tawyna and Sebastian. Partnerships are not that unique. This one, however, is very unique due to the differing backgrounds of the partners.
Sebastian is an immigrant from India. He came to America when he was 22 years old with little money and little family in the Portland, OR area where he landed. Sebastian worked two jobs while putting himself through college. He worked his way up the ladder at the City of Portland. He ended up working as a senior financial analyst for the city.
Tawnya, on the other hand, is a special education teacher in the Portland school system. Tawnya has worked hard, often taking part-time jobs, to pay off her student loan debt. She recently purchased her first home, saving enough for a 20% down payment.
As you can imagine from their background, the writing and topics covered are wide-ranging and from different perspectives.
Check it out here – https://www.moneysavedmoneyearned.com/
33. The Best Interest
Jesse Cramer is the creator and author of The Best Interest blog. Jesse is an engineer. As such, he’s never found a technical topic he couldn’t cover in great detail. One of the focuses of the blog is taking complex issues and breaking them down into easily understood language. He’s an expense tracking hawk, using YNAB to track every dollar that comes through his coffers.
If you want to explore everything from the basics of personal finance to the complex subjects like the Fulfillment Curve, The Best Interest is a place you want to visit.
Check it out here – https://bestinterest.blog/
Best Personal Finance Blogs – Wedding Planning
34. Budget Savvy Bride
Jessica Bishop founded The Budget Savvy Bride in 2008 after planning her affordable wedding, and the site has grown to become the go-to resource for couples who want to have a beautiful wedding on a budget.
The Budget Savvy Bride is the only wedding planning blog that shares the budget breakdowns of real weddings from across the USA, so you can check out how other couples spent their wedding budget.
The Budget Savvy Bride also features tons of incredible money-saving tips, inspiration posts, and advice for keeping things in perspective while planning. Not to mention, there are also DIY project tutorials and free wedding printables to help you craft decorative details to make your wedding look luxe for less.
Couples shouldn’t go into debt to pay for a one day party, so Jessica’s focus is to help couples pull off the best wedding they can have on the budget they can afford.
Check it out here – https://thebudgetsavvybride.com
Best Personal Finance Blogs – For Professional Women
35. Be Three
The author of the Be Three blog has her picture on the blog but chooses to remain anonymous (we’ll call her Be Three). We know Be Three is well educated. She is a physician who also has an MBA. From the midwest initially, she now practices medicine and resides somewhere in southern California.
As you can see from the words below her logo, the goal of her blog is to help people do three things – be empowered, be balanced, and be you. Her posts focus on offering people ways to accomplish all of these things. The underlying message is one of self-improvement. From her about page:
The idea with this blog, then, is to help build people up, to keep them motivated, and to encourage everyone that even the most far-fetched vision of yourself in the future, can come true. If you’re currently alone and starting over, or going through something rough, or feeling uncertain about your path, or even perfectly content, just make sure you continue to make time to continuously learn about yourself and take care of yourself.
Be Three describes herself as an avid traveler, foodie, and says she’s a certified book worm. If you want to know how to travel to other countries and get the most out of your time, check out some of her travel posts while you’re there.
Check it out here – https://www.youbethree.com/
Best Personal Finance Blogs – FIRE
36. How to Fire
Sam and John started getting control of their finances when they were sophomores in college, soon after they got engaged. They were broke and desperate for a change and followed Dave Ramsey before finding financial independence and early retirement.
They paid off over $35,000 in debt while they were in college while saving for a house down payment and their wedding. Several years later, they now save over 50% of their income with hopes of achieving early retirement!
Their goal is to help families find their version of FIRE through budgeting, saving, investing, side hustles, and travel hacking. Sam has a B.S. in Finance and an MBA degree that she used at a top financial firm before quitting her job to pursue their side hustles full-time. They want other people to be able to pursue their passions due to smart money management, too.
Check it out here – https://www.howtofire.com
37. Partners In Fire
Written and managed by Melanie Allen, Partners in Fire started in 2017. Melanie has a stated goal to retire from her full-time job in January 2021. In retirement, she wants to go back to school and study anthropology. Talk about eclectic!
In addition to focusing on FIRE, Melanie also focuses on lifestyle posts. From her website:
“Partners in Fire is a financial independence and lifestyle blog, with a huge emphasis on the lifestyle part. In fact, our main focus is to embody the spirit of financial independence, rather than the technical aspects of it. That means we focus on the whys of financial independence – freedom, passion, and building the life of our dreams.”
Melanie is not afraid to get into the trenches with her writing, as evidenced by this post, Personal Finance is Political. You will find some reliable financial independence content and a wide range of other informative posts on a variety of topics.
Check it out here – https://partnersinfire.com/
Best Personal Finance Blogs – Investing
38. Invested Wallet
Invested Wallet was started in the Summer of 2018 to help beginners and beyond get more control over their money and learn how to invest. The website was founded by Todd Kunsman, who, since 2014, taught himself everything about personal finance and investing while improving his career worth.
You’ll find opinion articles, how-to’s, financial product and service reviews, and tips around personal finance, side hustles, and earning more money. You’ll find a few related categories on the site where you can find a plethora of information.
Now, what you won’t find is a millionaire or six-figure blogger either. Instead, you’ll find an everyday person in their 30s who improved their situation through self-education and trial and error. The goal is to help anyone and everyone in a more relatable and realistic way.
Check it out here – https://investedwallet.com/
39. Debt Free Doctor
Dr. Jeff Anzalone is a periodontist practicing in Louisiana and creator of the Debt Free Doctor site.
He originally started the site to help other doctors and high-income earners on how to pay off debt quickly as he initially started with over $250,000 in student loans. One of the questions he initially sought to answer was, “Should high-income earners invest while paying off debt?”
After becoming debt-free, he became complacent and didn’t like it. That’s when he realized that he hadn’t created any other streams of income besides his practice.
After researching possibilities, he fell in love with real estate, specifically passive real estate investments. He’s now on a mission to teach others how to reach financial independence using the passive income from real estate investing.
Check it out here – http://debtfreedr.com/
40. Wealthy Nickel
Andrew started Wealthy Nickel with the mission to help others take control of their finances and reach financial independence. Wealthy Nickel delves into Andrew’s personal experience raising a family on a single income and building wealth through real estate investing.
While he blogs about all things personal finance, Andrew’s focus is on making money and using side hustles to build wealth faster. He has a Side Hustle Interview series that documents many different entrepreneurial ventures, and what it takes to be successful.
Check it out here – https://wealthynickel.com/
41. Just Start Investing
Just Start Investing is a new personal finance site started with a straightforward mission – make investing easy.
And while simple index investing strategies are the focus of Just Start Investing, that’s not all you’ll find there. Quickly, the site has become an authority on all things personal finance, including investing, budgeting, credit cards, banking, and more. Don’t believe me? Just check out their credit card tool that will find the best card for you based on your past spending habits. You’ll never let another dollar of cashback slip away!
Just Start Investing is the place to go if you’re looking for straightforward and easy-to-follow personal finance advice. Heck, they’ve already been in Forbes, Business Insider, U.S. News and World Report, and countless other sites for their applicable content. We think you’ll like them too!
Check it out here – https://www.juststartinvesting.com/
Best Personal Finance Blogs – Side Hustles
42. I Like to Dabble
I Like to Dabble is a site to guide you on the path to financial freedom through creative dabbling and experimentation with side hustling and varying other means that grow your income.
Of course, with that, you need to manage that extra money and decide the best way to use and optimize it in a way that works for you and your life (and getting great deals like cheap travel).
We also discuss things that are important to us, like the darker side of side hustling, shifting into full-on entrepreneurship as we do that, burnout, corporate bs, and finding ways to live a more fulfilling life. Follow us on Facebook and twitter @iliketodabble.
Check it out here – http://iliketodabble.com/
43. My Life, I Guess
Amanda hails from Northern Ontario where she ambitiously tries to keep the “person” in personal finance through her blog, My Life, I Guess.
She accidentally stumbled upon the personal finance world back in 2012 when she found herself in a pretty serious work/life UN-balance and began concentrating on how to change her situation and get out of debt.
She is a real person with real problems and isn’t afraid to share her mistakes along the way when it comes to her finances and her career. By sharing her story and her bad decisions, Amanda hopes to help you avoid making the same mistakes she made. Or get passed them, if you already have.
Check it out here – https://mylifeiguess.com/
Best Personal Finance Blogs – Managing Debt
44. Arrest Your Debt
Ryan Luke, a police lieutenant in Arizona, started Arrest Your Debt as a way to help other first responders manage their money and get out of debt.
The law enforcement community does not openly discuss personal finance and debt. Ryan has made it his personal mission to educate and help as many first responders as he can.
Realizing that his message applies to the general public, he also teaches ordinary citizens on the proper way to manage their money using common sense and easy to understand techniques.
Check it out here – https://arrestyourdebt.com/
45. Money Life Wax
Josh runs the blog Money Life Wax. He says they want to provide the how-to mindset, and resources for others to learn how to create both financial options and life of everlasting happiness; to help make a difference in the world, even if it is a small difference. The goal of their content is to motivate and incite action in the reader’s lives so that they can create a better financial situation for themselves.
He and his then fiance’ (now wife) had a combined $300,000 in student loan debt and a negative $100,000 net worth. They currently have around $80,000 in student loans and no other obligations except a mortgage. He says he will be debt-free in 2021! Well done!
That process typically starts with teaching how to pay off debt and become more knowledgeable on the subject of money. A healthier financial situation means a healthier home, family, relationship, community, and a lot more happiness!
Check it out here – https://moneylifewax.com/
Thanks for taking the time to review the best personal finance blogs of 2020 with me. It was hard narrowing the list down to the top 25. That’s why I added the new niche blogs to the list. Estimates say there are close to 2,500 finance-related blogs. So, this list could very quickly have been the top 100.
I encourage you to spend some time getting to know these great writers. I’m confident you’ll find something you can use or learn from all of them. As with anything, you won’t love all of them. It’s likely; there are some that you will pass on visiting a second time. That’s OK. Everyone’s taste is different. The list offers you a selection to find those blogs that speak to you and provide the information and education you’re looking to find.
Now it’s your turn. Where do you go for financial education? What blogs/websites are your go-to resources? Let me know in the comments below.
The post The 45 Top Personal Finance Blogs of 2020 (And Why You Should Read Them) appeared first on Your Money Geek.