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My Car Just Passed 190,000 Miles – What Now?

I think the title says it all. If not, I think this picture does. My car just surpassed 190,000. This isn’t a Honda or Toyota. This is a 1999 Ford Escort. It’s been surprisingly reliable, but I feel that it’s...

The Average Credit Score of Americans

All the negative talk about the American economy has me wondering about the average credit score of Americans. As you may be aware, the U.S. government has faced its own credit downgrade. Did we deserve to be downgraded? Well,...

Five Ways to Save Money on a Dog

When I first got my Boston Terrier puppy last year I wrote about the costs of raising a puppy. Trust me… if you’re living paycheck to paycheck, you shouldn’t buy a puppy. While the average puppy can be...

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Our Wedding Budget Recap

I finally married the love of my life in July and I’ve been wanting to do this wedding budget recap but I’ve been slacking. So finally, here it is. I first wrote about our runaway wedding budget back in our initial...

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Changing Your Credit Card Statement Dates

There are two dates related to credit cards that you have to worry about. These are the statement date and the due date. Did you know that, with most credit card companies, you can change these dates? Depending on your goals and...

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Personal Balance Sheet – April 2013

April was a great month financially since we received most of the cash for selling my websites. That means we were able to pile a chunk of cash onto our various savings goals, which in turn, led me to look at houses more —...

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How Much House Can I Afford?

Home ownership is definitely something that’s in my long-term plan, but I haven’t quite figured out where it fits in. One important aspect of determine when I will buy a house, is determining how much house I can...

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Personal Balance Sheet – March 2013

March was a busy month. I sold a portion of my online business (nothing related to this website), which means I’ll be getting a chunk of money in April that will definitely help me reach my goals for the year. The stock...

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Is 2013 the Year to Buy a House?

If you’re currently renting then it’s probably a question you’ve asked yourself. Is 2013 the year to buy a house? Purchasing a home is probably the biggest financial decision you’ll ever make, so...

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New Market Highs: Time to Sell?

The Dow, which serves as a proxy of the stock market overall, just set a new nominal record today. Obviously, the market will do this often over time (assuming it always continued to go up over the long-run). However, each time...

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Personal Balance Sheet – February 2013

Things didn’t turn out as well in February as they did in January, largely because I owed almost $5k in taxes and had previously anticipated/saved only $1.5k. This is the reason our net worth remained flat, yet we were...

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Some of the Most Overlooked Tax Deductions

A tax deduction reduces your taxable income by the amount of the deduction. So if you receive a $5,000 deduction, then your taxable income is reduced by $5,000. The tax savings is the product of the deduction and your marginal...

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Personal Balance Sheet – January 2013

2013 is off to an absolutely fantastic start from a financial standpoint. We contributed to all of our necessary goals and our net worth took a nice jump up and $100k in assets by the end of this year looks entirely possible...

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I’m Will, the creator of HackingTheBank. No, this site isn’t about actually hacking banks. This blog is all about maximizing personal finance decisions so that we win instead of the banks.

I started this blog in 2010 when I graduated college with $43k of student loans and a negative net worth. Since then I’ve achieved milestones like getting married, buying a house, and tripling my income. During this time my wife and I managed to earn over 12,000,000 miles and points and used those points to travel to over 50 countries. And all of these points came from banks; neither of us travel for work.