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NMHD Budget Clinic – Episode 6 – The 28-Month Miracle 14 Aug 2013 | 05:56 am
Check out the video at the bottom of this post for the visual version of my write-up. So let’s say Max chooses to pursue Warrior mode and saves $9k per year. Okay…so what, now what? What should he d....
Seriously, This Has to Stop 13 Aug 2013 | 05:12 am
Yesterday I wrote about how somebody searched for “can i serve jail time to pay off student loans?” last week and ended up on this site. Today somebody searched for “will going to prison reduce your ...
Can I Serve Jail Time to Pay Off Student Loans? 10 Aug 2013 | 08:41 pm
I check the stats for this site every so often–visitors, views, referrers, etc. One slice of data that caught my eye recently is the search engine terms people type into sites like Google that get the...
NMHD Budget Clinic – Episode 5 – Budget Baseline: Choose Your Own Adventure 5 Aug 2013 | 02:28 am
Now that we’ve identified Max’s discretionary costs, it’s time to set up a few potential budget scenarios for Max to consider. The four scenarios are: Status Quo – change nothing Fighter – cut back...
NMHD Budget Clinic – Episode 4 – Discretionary Costs: Life or Death 29 Jul 2013 | 06:14 am
In this episode, I classify Max’s costs by fixed vs. variable and discretionary vs. non-discretionary. By looking at his expenses this way, the areas of fat–the expenses that will prevent him from rea...
NMHD Budget Clinic – Episode 3 – Loan Amortization Schedule (AKA Loan Prison Sentence) 24 Jul 2013 | 08:11 am
In this episode, I show that Max can save a substantial amount of money by paying down his student loans early to avoid interest expenses. His $26k loan will ultimately cost him almost $35.9k if he ma...
NMHD Budget Clinic – Episode 2 – What ‘Living Beyond Your Means’ Looks Like on Paper 14 Jul 2013 | 05:01 am
A heads up: I’m tossing out the syllabus I introduced in Episode 1–way too stuffy and formal for my tastes. In Episode 2, I introduce (fictional) Max, a 22-year old recent college grad who has a grea...
Removing Your Shackles: How Fast Is Too Fast? 10 Jul 2013 | 06:30 am
Hi guys, SmarterBucks recently asked me for my thoughts on if I paid off my loans too quickly. Here’s my response: On August 29th 2011, I embarked on a mission to pay off $90,000 of Harvard MBA stude...
NMHD Budget Clinic – Episode 1 – Introduction 6 Jul 2013 | 01:39 am
Episode 1 Materials NMHD Budget Clinic Syllabus
Happy 1st Anniversary 28 Mar 2013 | 02:02 am
Greetings from Austin! It’s been exactly one year to the day since I paid off my $90k of student loans in seven months. While I’ve stopped making regular updates to this blog, I do plan on providing ...
