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One Cent At A Time

A Personal finance blog to get rich

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How I Paid Off $12,000 in Credit Card Debt Using the Snowball Method

September 7, 2021 2 Comments

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When I was a college student, I received my first credit card offer. I didn’t know it at the time, but that one credit card would lead me down a financially destructive path and eventually to $12,000 in credit card debt. It took me three years to dig myself out of the financial hole I got myself into- and I learned many lessons along the way. I now want to use what I’ve learned to help others on their debt pay-off journeys.

How I Paid Off $12,000 in Credit Card Debt Using the Snowball Method

I believe anyone can get out of debt, no matter how impossible it may seem. I know what that hopelessness feels like, but I also know what it feels like to finally be debt-free after years of drowning in credit card debt. I hope my story inspires you and gives you the confidence you need to start paying off debt so you can have a more secure financial future.

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Women, Invest In Your Financial Literacy

September 9, 2020 Leave a Comment

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This is a guest blog from one of our readers. Please enjoy the post which talks about her financial mistake, that she did while staying in India, and the learning from that incident. Even though the incident took place in India, this might happen to you in any country. So, special attention is needed when you invest your hear-earned money.

My name is Seemantani Sharma. I am a 30-year old Ph.D. in law student at a prominent Australian university. So far life has been good. I have lived in three countries, traveled to several countries for business, have a career which I enjoy, have a great family and a decent net worth for my age.

Women, Invest In Your Financial Literacy

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How I Got my Faulty New HP Laptop Replaced

April 20, 2020 48 Comments

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This is my experience with HP laptop computer replacement. I always had HP laptops, some fascination with HP you may say. The previous one was dying after 6 years. All tricks to speed up failed.

I needed another one as the blog wouldn’t have otherwise survived.

I don’t blog from work laptop so I was desperate about a new personal computer.

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How Starting an Herb Garden Was the Best Thing I Did for My Budget and Sanity

April 9, 2020 3 Comments

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This is a guest post from one of my readers. Enjoy her story and be inspired!

Last Year

It was March 2019, and I was at my wits’ end.

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How I Gained Confidence with My Finances

April 28, 2017 Leave a Comment

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Confidence can only come with knowledge and skills to put that knowledge to good use. When you are financially confident you can afford to live worry free. A confident spender knows how to make the choice between thing A and thing B. Similarly, a confident investor has a fair idea about risk and return that could arise from a particular investment. So in order to be successful in managing finances, you need to be confident with your abilities.

How I Gained Confidence with My Finances

 

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A CFS sufferer who wants to retire by 33

April 10, 2017 Leave a Comment

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This post is from a guest author Benjamin Davis is the man running the show on From cents to Retirement. While doing his Ph.D., he developed CFS and fearing he could not work much longer, he decided to create passive income streams to be able to retire early. His future goals including owning 100 rental homes in the next years and turn his blog into a reference blog for early retirement, inspiring others with his own story. Enjoy the post

CFS sufferer who wants to retire by 33

I was born in Portugal, to an Italian and Canadian family. My family worked hard for me and my brother to go to college, so we always valued education in the family. In 2012, I decided to do my Ph.D. abroad and having multiple offers in hands, I eventually decided to go to Germany. I took a research position which would allow me to do my Ph.D.

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Ways to Express Love and Care for your Wife

October 17, 2016 36 Comments

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Everyone needs pampering, and everyone likes to feel appreciated. After 7 years of marriage, every once in awhile I take SMB, my wife, for granted (especially since I started blogging). I thought she accepted me putting numerous evening and weekend hours into blogging. But, she didn’t, she thinks OCAAT is my second wife!

How to Show Your Wife You Care

Also, my frugal ways don’t really match with hers. We were raised in contrasting lifestyles – I never had plenty of things in my life, whereas she got whatever she wanted. We know that marriage is a bond of love with mutual compromise, which keeps the bond.

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Happy New Year Readers!

January 5, 2015 3 Comments

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Happy new year readers! This is my first published post in 2015. Hope you had a wonderful start to this new year. May this be your most successful and productive year. As they say, you start with an empty 365 pages book, so make sure the start-up or the preface is good for the entire book to be a good read.

Happy new year 2015

I had one of the laziest last few days since Christmas. We went to India just after thanks-giving. Attended a gala family marriage ceremony. Came back tired with few extra pounds. Still trying to lose that excess. This was supposed to be a vacation, but ended up more tiring than regular work weeks.

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Our Mortgage Shopping Experience

August 23, 2014 15 Comments

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I took a leap of faith and bought our home, our first home. In a series of posts I’ll write about the buying experience, the lessons learned and best practices. in this article I am going to write about mortgage loan shopping, and how did I shopped for mortgage loan comparing 10 different banks, sitting in my office cubicle.

I heard stories on extensive and hectic mortgage shopping that involves going around banks, making phone calls to bankers and what not. Even my colleagues had to go through hours and hours of research and travel to get the best mortgage.

Well, my method searching only lasted for 1 hour. I made no calls and received 10 calls from bankers on my cell phone.

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Advantages of Living in a Small Home

January 13, 2014 9 Comments

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Here I am again with another personal story. This is about our small 2 BHK apartment. Over the last couple of months an urge to buy our first home started to develop in me. All my friends, even the ones who came to this country from India are now home owners. Even my sister-in-law is a home owner too, in Houston. Lately were questioned by many about it. They even started making guesses about our financial situation, or the lack of money.

Cramped Room

This is a strange situation to be in. It becomes very difficult to explain people who ask the same question multiple times. They simply think paying rent is waste of money. Some even calculated the amount of rent we paid in last 8 years and thus the money we wasted. Yes, we paid rent without building equity on a property of our own. but we did save on things we would otherwise would have spent money on.

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Personal Stories

How I got a new HP computer replaced
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Disclosure of Material Connection: Some of the links in this web site are “affiliate links.” This means if you click on the link and purchase the item, I will receive an affiliate commission. Regardless, I only recommend products or services I use personally and believe will add value to my readers. I am disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising.”
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One Cent at a Time is published by SB. The opinions expressed herein by him are his own and not those of his employer or anyone else. All content on One Cent at a Time is for entertainment purposes only. By reading this blog, you agree that SB and/or One Cent at a Time is not responsible for any actions taken after reading this blog. For the full disclaimer, click here .

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