mortgage interest

Debt Strategy: Debt Snowball vs Debt Avalanche

So you have decided to start paying down your debts. If you only have a mortgage that you can easily afford, this is not a problem. But if your are drowning in debt, what do you do? Let’s investigate the options you have here; the debt snowball and the debt avalanche. I will assess both debt strategies here, assisted by a case study with Jeff, who’s in quite some debt.

pay off debt or invest

Should I Pay Off Debt or Invest?

You, my dear reader, are probably working on your financial independence. You have some leftover money in your budget, and are now wondering. Should I pay off debt or invest my money in the stock market or real estate?


Refinancing My Apartment to Lower Interest Payments

This week I finally did it. I signed on the dotted line, and promised the bank that I will pay them back a crapload of money. I have been busy refinancing my apartment.

After all the considerations, spreadsheets, and thinking I knew this is a good idea. When you see the official paperwork, and the amount you owe, it’s a different feeling. Suddenly it seems like a lot of money. However, I guess a lot of people wouldn’t consider the mortgage I took out as a high mortgage.

Focus on money

Focus On Money Issues: How Much is Too Much?

A while ago, Girlfriend and I were discussing money related issues. Not in a fight-type of discussion, but just talking about it. At one moment she says to me: “You know, you are a little Scrooge McDuck, they way you focus on money.” Do I put too much emphasis on money related issues in my life?