December 2020

PLEASE NOTE: With Celsius filing Chapter 11 (technically not) bankruptcy as of July 2022, I no longer endorse holding funds with them. To be completely honest, while I believe in decentralization, I have more concerns with the current state of cryptocurrency. By now, many of us have heard of the high yield savings accounts (HYSA) with pre-COVID rates of up to 2%. At a certain point, I realized I had hit my savings goals and wanted more low-risk investments, and stumbled upon Celsius Network. The appeal comes with understanding of cryptocurrency, stablecoins, and traditional banking profit models. In this post,...

Talking about finances is still somewhat taboo for normal folk, and I really need it to not be. Dealing with and optimizing money is hard to learn on your own, and at this point there is never a shortage of people telling you what to do with your money. So, I’m not gonna really focus on that, but more keeping track of where your money is and goes. First up…. BUDGETING Tracking spending is probably the hardest part about cash flow. Sometimes it seems like  even breathing costs money (which if you’re doing it in your own place, it kind of does.)...