Opportunity Cost

Is the coffee and muffin you stop and get everyday worth the $10? It sure is delicious and convenient but it may not be worth it to you if you know what it really costs. At surface level, it seems harmless, $10, its nothing in the grand scheme of things. Heck it may seem minimalContinue reading “Opportunity Cost”

Assets VS Liabilities

When we talk about assets and liabilities for financial freedom, we are not thinking of the accounting assets and liabilities. We are not trying to balance our asset to liability column, that would be considered living paycheck to paycheck. With assets and liabilities in life, we want more assets than liabilities. Assets bring us inContinue reading “Assets VS Liabilities”

Is refinancing right for you?

Recently Sam and I decided to consider refinancing. We had an interest rate of 5.5%. This interest rate is high with the current market but when we were purchasing interest rates were around 4.5%-5%. When we started looking to buy our house, we were preapproved by WHEDA with an interest rate of 5%. They wereContinue reading “Is refinancing right for you?”