Category: Debt

Prepaying Your Home Mortgage

When you purchase a home, taking out a 30-year mortgage and paying on it for the next 30 years is easy. But, surprising, so is taking out a 30-year mortgage and paying it off in fewer years. There are a number of tricks you can...

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Dave Ramsey the Debt Crusher

This is Dave Ramsey. I call him the debt crusher. You may have heard your co-workers or friends talk about it. Or you may have heard about him at your church. He’s a financial guru, with a nationally syndicated radio show,...

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Sallie Mae Knocked Out

Okay, I did it! As Ninja would say, I just punched Sallie Mae in the face. I sold some of my investments and paid off the nearly $10k I personally owed to Sallie Mae. Now she’s officially out of my life. Now, while I may...

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Debate: Paying Off Debt vs. Investing

Paying interest works against you in the same way the earning interest works for you. Of this, I am certain. However, as you can see in my October 2010 Balance Sheet, I have $10k in my investment account that could be used to...

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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.