3 Posts That Can Change Your Life

Good day, readers. It’s Stephanie from XennialBlogger.com, and I’m reviewing a few articles today that I think you will find of interest. These three articles, if followed, could change your life. Check out my comments below the links.


15 Things We Gave Up to be Mortgage Free

I love this post! Tuppenny talks about the things we use and do every day that they gave up to make their mortgage go away. Yes, these are the common save money ideas, but remember, every penny counts and every penny paid is one less penny that you pay interest on.

Read this post as a reminder that it doesn’t matter if it’s a savings of ten dollars or one hundred dollars, it all adds up in the end.

Great story, Tuppenny! Thanks for sharing!



How To Cut Your Phone Bill in Half with Cricket Wireless

Accelerated FI has the right idea in this post. For those in the US, you have so many options for lowering your cell bills! I, being a Canadian, am truly jealous sometimes.

I like the comparisons and graphics and how it’s explained what Cricket is about, and how your service will be. The writer even tests it out before signing on – which is a fantastic idea.

We need more articles written where services are compared, as monopolies on services are becoming a thing of the past. Definitely a good read, and very technical for the techies out there (if not, just skip to the important parts).



Why Three Million Dollars Might Not Be Enough for Retirement

This post was written by The Retirement Spot, and it poses the question if $3 million would be enough to retire on. While the article is written with spunk and humor throughout, there are so many statistics in the article, I started to glaze over.

The key point in the article is that money today is not worth what it was worth 30 years ago, therefore our calculations may not be enough come 30 years from now. I agree with the argument of inflation, however, if the principal is invested properly, the returns over time will outperform inflation. If the stock market, on an average dating back to the beginning of the stock market, offers an average rate of more than 8% returns, I would think that whatever your calculation is today would be enough.

Personally, I think three million is a lovely number to aim for, but unless you are like the writer and need a whopping $94k to live on annually, I think the average person would be safe with less.

If you are a math nerd, this article is great for you. Graphs, stats and more. It’s worth a read.




There’s no question that we need to save for retirement, as it’s unlikely we will win the lottery or have someone else to pay for us. I am not sure we need three million, but that’s the question posed by the writer.


How do you get there? You eliminate your costs. Paying off your mortgage faster will free up a lot more cash in your household, as a mortgage is often the biggest expense. How do you pay off that mortgage? By doing comparisons as Accelerated FI does.


I think the trio of articles here is a cornerstone to any personal finance beginner – these are the building blocks for success.


Thanks for letting me share my opinions on these great articles, Mike! If I was to recommend further reading, I’d suggest: 

Dave Ramsey Thinks You Are Too Undisciplined For Good Financial Advice

How to Reduce Insurance Costs: The Complete Guide to Hacking the Affordable Care Act

… and how about one from my own blog… 

31 Ways to Max Out Your TFSA or IRA


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