Emergency Fund: Stage 1 of Financial Independence

One of the initial steps towards financial independenceĀ is to build your emergency fund. The concept is simple: you set aside enough liquid assets for the surprises of life. Calling it an emergency fund attempts to shield you from spending it frivolously by assigning it a purpose. Most often these life surprises are events like job loss, major auto repairs or urgent health expenses.

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Libraries: A Friend for Financial Independence

library bookshelf

I think libraries are cool. I try to make use of libraries in my area and even enjoy visiting them on vacations. Something about a room full of books just makes you feel good inside (and smart!). But, I know plenty of people who love reading and are lifelong learners, but NEVER use these incredible institutions. Frankly, I find it quite puzzling and hope that after reading this post you become a library lover too!

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Monthly Expense Report, January 2016

I wanted to get this January update out before the middle of February rolled around, so I wouldn’t miss the beginning of the calendar year. What you will find below is my complete monthly expense report which I sorted from biggest to smallest, counting every cent spent. Well, maybe not exactly every cent as I did round to the nearest multiple of $5 for readability.

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Finding My Path to Financial Awareness


Hi, and thank you for stopping by zencents.com! This post had been edited over the months to strengthen the message I was attempting to convey. I hope you enjoy it – and would love to hear your feedback in the comments.

Let’s Take a Walk

A short distance up the street is a pint-sized wooded park between a few quiet neighborhoods. An almost invisible, narrow path weaves its way around the trees and granite outcroppings, making for a decent loop when I feel the urge to get outdoors. This is the path I most frequent when going solo with my pup for a stroll. I find 2-3 loops leaves me feeling at ease.

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