The Peanut Butter Sandwich That Changed My Life

The Peanut Butter Sandwich That Changed My Life

We make decisions every day. What clothes should I wear to work? What will I eat for lunch? Do I go through this yellow light and risk a red light ticket? Most of these decisions have a rather small impact on our lives. A green vs. blue shirt; a salad vs. a hamburger; a $40 ticket vs. getting to work late. If we look at our lives as a sequence of decisions, we can identify a few of them that alter our lives forever. I made one of these in High School, and didn’t even know it.

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Posted by David in Lifestyle, 36 comments
How I Got 42% CashBack With DiscoverIt

How I Got 42% CashBack With DiscoverIt

When it comes to cashback reward credit cards, the gold standard is 2% cashback on all purchases. You might be able to get 2.3% cashback on travel cards when you sign up for new cards, but that is pretty close to 2%. But what if you could get 2% cashback on everything, 10% cashback on rotating categories, and even up to 42% cashback on certain purchases? Well, I did, and I’ll show you how.

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Posted by David in Credit, 6 comments
What I’m Reading #7

What I’m Reading #7

Welcome to the 7th installment of What I’m Reading! This series is dedicated to recognizing the incredible content that I read on a daily basis. Things have been extremely busy here at Zero Day Finance for the past few weeks, so I apologize for getting this out a bit late. Let’s give these posts some attention because they’re awesome!

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Posted by David in What I'm Reading, 4 comments
Why I Stopped Tutoring For $50 Per Hour

Why I Stopped Tutoring For $50 Per Hour

When I was in High School, I wanted a way to earn extra money. I had always been a good student, and joined a bunch of clubs. One of these offered free tutoring during my lunch period. I would quickly get lunch (cut the line), run up to the library, and then help other students with their Math and Science homework. Having done this for my Freshman and Sophomore year, I started tutoring for money, sometimes making $100 per hour. After I graduated college and wanted extra money, I started tutoring for a modest $50 per hour. The money was good, but I made the decision to stop.

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Posted by David in Employment, Lifestyle, 8 comments
How I’m Saving $18,432 With The Zero Day Challenge

How I’m Saving $18,432 With The Zero Day Challenge

I’ve had a spending problem for the past few years. Like the majority of Americans, I bought into the whole consumer lifestyle and bought “stuff” to make myself happy. I came to realize, though, that spending money doesn’t make me happy. It satisfies my short-term wants, but at the end of the day, it’s just “stuff.” I started the Zero Day Challenge to help combat my spending problem and achieve my goal of reaching financial independence by age 40, and early retirement by 45. I never imagined that I would decrease my spending by more than $18,000 per year.

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Posted by David in Zero Day Challenge, 46 comments

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