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One Cent At A Time

A Personal finance blog with topics to save money, earn money, personal loans, investing, career, escaping debt and building wealth.

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Have the Right Attitude To Become Richer

September 29, 2016 19 Comments

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Not only making it rich, for achieving every success in life you need the right attitude. “making it happen somehow” doesn’t really work. But, “making it happen by doing such and such” usually works most of the time.

I am talking about setting accurate goals and having proper plans to achieve them. your attitude will determine if you’re going to make it rich one day. It’s the mindset and attitude that differentiates a millionaire and a non-millionaire.

Being Rich

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Earn your College Degree Debt Free

September 26, 2016 5 Comments

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I just graduated from college with a Bachelor’s Degree in Accounting (9/15/16). It took me exactly 1,837 days (5 years,10 days) to earn that degree.  I spent $24,708.00 on tuition alone, excluding books, fees, and living expenses.  No I didn’t live with parents and no they didn’t provide money towards my education, or living expenses for that matter.

Yet, I am walking away from school with $0.00 in student loan debt.  I provided for myself, got married and had a baby (money well spent I might add) during those five years too.

How did I do it?  Here are my 5 tips to earn your degree debt free; the ultimate guide to pay your way through college.

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How to Keep Motivation When Income Goes Down

September 22, 2016 3 Comments

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Imagine this scenario: you’ve been stuck in a job you hate for nearly a decade. It doesn’t pay a lot, just enough for you to keep on top of your bills and put some money away. Perhaps you’re paying down debt or maybe want to put a down payment on a house.

How to Keep Motivation When Income Goes Down

And then a dream job opportunity comes up. It’s a job in a great company with a lot of opportunity for career progression, but the hours are more suited to you and allow you to pursue your other passions. Maybe you have a blog or a side hustle that you could really do with spending more time on.

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Buying a Used Car

September 19, 2016 9 Comments

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It is frighteningly easy to have monumental, albeit unintentional, financial slips when you are fresh out of college with the real world staring you in the face every day.

Buying a Used Car

In the real world, where my parents cannot, in fact, let me borrow the family car anymore, I come to the crushing realization that I’d have to buy one for my own. It has taken every fiber of my body to miraculously maintain good credit and I was not about to throw it all out the window, so I had to make some well-informed decisions.

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101 Frugal and Useful Christmas Gift Ideas

September 16, 2016 12 Comments

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Although we are not Christian, traditionally we, Hindus, do celebrate the Christmas. We eat special cakes, turkey, etc. on Christmas day. We light candles and many of us join the church ensemble. Naturally, we do exchange gifts for Christmas as well. We did have Christmas trees set up in our home every year during childhood. Which was not exactly the Christmas tree as you know it, but, it was a variety of Casuarina tree.

Christmas Gifts

We did follow some strict rule and always maintained our budget while selecting the gifts for Christmas. From that background, I would like to list some of the gifts that can be considered useful and good while being frugal at the same time.

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How to Improve Your Business Credit Score

September 14, 2016 Leave a Comment

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Your credit score is of utmost importance when you plan to apply for a business loan. Knowing how to improve will help you succeed in your application.

In the business world, the term credit score is just a common word to hear. What is a credit score then?

This is actually an expression, a numeric expression to be particular that evaluates the credit history and performance of a particular person or business. It is typically found and accessed in different credit bureau. It is in fact considered as a confidential file.

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Looking for the Best Shopping deals?

September 12, 2016 Leave a Comment

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Lately, we have been shopping big ticket items only online. We recently had a baby and almost all the nursery furniture we got were bought online. We found that things are cheaper online than at retail stores. Not only furniture but, electronics and even clothes as well.

Looking for the Best Shopping deals?

But not always you get things cheaper online. There are some exceptions. As a policy, we don’t buy food items or any perishable item online. We also don’t buy clothes online. We prefer to check them out in the fitting room before buying. so we do look for deals and discounts at the retailers as well.

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20 Investment Strategies for Beginners

September 10, 2016 8 Comments

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When I first started earning money it was 2000, I was in India. I straightaway jumped for stocks and within a year my invested amount lost half of its value. Poor stock picking coupled with the burst of the dot-com bubble taught me what not to do with money when you are a beginner. Since then I committed many mistakes, at the same time, I did things that worked very well for me.

20 Investment Strategies For Beginers

A few of the mutual funds I bought between 2003 and 2005 got almost tripled its value before I sold them off. I had mentored people towards their first investing since then, A little disclaimer, I am not a financial expert and don’t take my advice for granted, consult with someone you trust before taking any of the steps I mentioned below. The following ideas are lessons I learned with my life and lives of the people (at work and within the family) who came to me for advice.

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Robo-Advisors or Human Advisor for Your Investment

September 9, 2016 7 Comments

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Robo-Advisors…should you or should you not? Today, I hope to shed some light on this topic to help you make the decision that’s best for you. As you may already be aware, Robo-Advisors have become more popular lately due to the low cost to investors. 

Robo-Advisors or Human Advisor for Your Investment

These programs are built on platforms with algorithms designed to advise the investor on what funds they should be investing in.  The program asks the investor pre-programed questions and based on those answers determines the recommended portfolio.

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9 Things About Student Loan Forgiveness

September 7, 2016 6 Comments

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Do you know what happened to Corinthian college last year and ITT Tech this year? They were forced to shut down after govt. A decision to not allow federal student loan aid for students of these institutes. So what if you were a student of such college? What happens to your student loan, can you get it forgiven?

9 Things About Student Loan Forgiveness

If you graduated from college with a fancy piece of paper and a mountain of loans to deal with, you might be feeling like you’ll never pay them off. Maybe you got a job and your payments feel like a drop in the bucket. Maybe you haven’t been able to find a job, and the phone calls from collection agencies have started already.

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