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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 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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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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The Year in Travel 2013

December 31, 2013 10 Comments

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This post is inspired by JD Roth’s post, who indirectly (and unknowingly) inspired me to start this blog. Even the name of this blog was inspired by JD’s earlier blog “Get Rich Slowly”. Coming to the point,since we love to travel, I thought ending the year with a note on our travel performance would be a good move. And doing so, I can be somewhat more personal to you. In summary, 2013 was a good year for us with respect to travelling. We went to as many as 5 places in last 12 months!

New Orleans Swamp

Amazing view on New Orléans Swamp tour

I get 28 days of paid leave in a year, so managing 5 destinations to travel to is not a bad performance, right? Usually we travel to our home country, India, every two years, and when we take an India trip, most of those 28 days are used up. We are planning our next India trip in Oct-Nov 2014 so, 2014 is unlikely to be a good year for travel.

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What Type of Investor I am?

October 21, 2013 6 Comments

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Over the weekend I have been pondering over investment. We haven’t invested in a new account since opening and funding our first peer-to-peer lending account with Prosper. Ever since I bought a certified preowned BMW, three weeks back, I was having it in my mind constantly; What if I invested the money instead? How much money had I lost actually,as it was not only that I had to get away with $25,000 cash, but I lost potential income on the money.

good investor

OK, no more ranting about the car, although it was not a brand new car. Let’s focus on the investment aspect of my finance now. I have taken a few quizzes on the net, to determine the type of investor I am. The purpose was to gauge self progress and to check whether I am the type of investor I wanted to be at this age. Those survey’s all unite to declare me a risk tolerating investor, which I would have told about myself without taking those quizzes anyway.

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One Plant at a Time – Our Patio Garden and Square Foot Garden Update

April 21, 2013 10 Comments

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It’s almost summer over here in south Florida, I can’t believe days are so hot already. Just a couple of weeks back, I had to wear a sweater while coming back from a late night party. Nonetheless, our garden is enjoying the weather. The seeds I sowed early March was not growing much beyond tiny seedlings till beginning of April. Now they are growing thick and fast

Eggplant Seedlings

We are growing Basil, Cilantro, Eggplants, Tomatoes, Peppers and Lettuce this season. Since we are renting a second floor condo it’s a tough job to grow so many vegetables in a limited 7′ X 12′ space. I have grown vegetables and flowers in our patio since last few years. But, not so many in a single season. It’s kind of self test of my skills in gardening you can say.

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