Credit Card Experiment: Cash Back – Free Money Hack Throughout the last half of 2017, the Black Sheep Family has been experimenting with cash back credit card rewards…. Gasp! Credit Cards? Yep… If you’ve been reading the Black Sheep Millionaire blog for a while, you already know that I am not a fan of debt… Read More Credit Card Experiment: Cash Back – Free Money Hack
Do programmable thermostats save money? We installed the Nest Thermostat last September (in 2016). Since we only had six and a half months of regular usage (after moving into our current home and before we installed the Nest), let’s take a look at the results from the 7 month period where we can get a… Read More Savings Experiment: Nest Thermostat Results
The Habitual Millionaire: Many of our successes and failures in life can be attributed to our habits. I have experienced my share of both due to my own habits, and I have personally witnessed many others whose habits have destroyed or enhanced their own lives. Some of our habits are those which we’ve learned in… Read More The Habitual Millionaire
How much do I need to Retire? That is the million-dollar-question… see what I did there? 😉 Another way you could ask yourself this question is, “How little do I need to retire?” This slight variation in how you present the question, will probably give you very different answers.
As I mentioned in the post How to Budget Like a Boss, YOU are in charge of your money! You decide what you want those dollars to do, and it’s your responsibility to make sure that they do their job. A budget is a tool that puts you in control of your finances instead of letting… Read More Optimizing Your Budget
Look at all those George Washingtons, and other presidents, you have ready to work for you… it’s like you have your own team of employees and you’re the Head Mutha Flower in Charge! Every time you receive some of those greenbacks, they just sit there waiting until you give them something to do. Your budget… Read More How to Budget Like a Boss