Investing, Personal Finance Blog, Retirement, Saving

Review: The M1 Finance (FREE) Investing Platform

  M1 Finance Review I’ve been a Vanguard advocate for quite a while, and I am a huge fan of low-cost index funds and investments (those with low fees and low expense ratios).  Shortly before I started the Black Sheep Millionaire blog, I also began experimenting with Betterment so I could decide whether the ‘added value’ of… Read More Review: The M1 Finance (FREE) Investing Platform

Budgeting, Credit Card Hacking, Debt, Investing, Personal Finance Blog, Saving

Credit Card Experiment: Cash Back – Free Money Hack

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

Budgeting, Personal Finance Blog, Saving

Savings Experiment: Nest Thermostat Results

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

Budgeting, Investing, Personal Finance Blog, Retirement, Saving

The Habitual Millionaire

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

Investing, Personal Finance Blog, Retirement, Saving

Invest Early, Retire Earlier – The Power of Compound Interest

That’s a simple statement that has a very profound impact.  Aside from a handful of my fellow personal finance nerds, many people in their twenties are not really thinking about retirement at that age.  The earlier that we can get people to grasp the impact of time and compound interest, the better off they will… Read More Invest Early, Retire Earlier – The Power of Compound Interest

Investing, Personal Finance Blog, Saving, Taxes

Saving on Property Taxes While Preserving the Earth: Tennessee Greenbelt

Last fall, my wife and I bought a beautiful ~40 acre property just down the road from our current home.  It has close to 35 acres of forest, with lots of hardwood trees, an enormous creek, and plenty of turkey, squirrel, deer, and other creatures that call it home.  We have been told that there… Read More Saving on Property Taxes While Preserving the Earth: Tennessee Greenbelt

Personal Finance Blog, Saving

The Black Sheep Bought a New Ride!

With another baby due in January of 2018, my wife and I have been looking for a larger vehicle to accommodate our (still) growing family.  We went into our search with several key things we were looking for.  We made our own list of demands for the Black Sheep Family’s new ride.  But, I’ll get… Read More The Black Sheep Bought a New Ride!

Budgeting, Saving

How to Budget Like a Boss

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