Categories
Personal Finance

How to improve your credit score

There’s a hidden number attached to your back as you browse loans, mortgages, and other financial products. It’s called your credit score and it’s what is used by lenders to determine how much of a risk you are, as well as how much you can borrow and what interest charges will be applied.

But what exactly is your credit score, how is it formed, and how does one go about improving it?

Categories
Life

I’m on YouTube!

Give me a blank canvas on a PC and I’ll be able to type for days, but sit me in front of a camera or microphone and I can freeze still. There was always just something about recording myself, well … talking to myself. I felt uncomfortable, especially with Ophelia lurking around the house. That was until now. I’m officially on YouTube!

Categories
Dividends

Polish investment portfolio and dividend spreadsheet tracker

I’ve done the unthinkable. I’m now launching a new template to go alongside the existing Canadian, EU, UK, and U.S. templates for my dividend tracker. If you live in Poland and want my spreadsheet converting everything to the Polish złoty, you’re in luck.

Categories
Personal Finance

How to save enough to start investing for early retirement

Retiring early is everyone’s dream. Not having to work and enjoy life to its fullest is what financial independence retire early (FIRE) is all about. Even if you do not plan on retiring by the age of 30, putting aside funds early in life and planning for retirement will set you on the right path and this guide will run you through a few suggestions.

Categories
Investing

How to create a stock portfolio spreadsheet (Google Sheets)

You’ve probably seen some of those amazing spreadsheets experienced investors use to keep tabs on how their portfolios are performing. Interestingly, even if you’re not familiar with Google Sheets, it’s really easy to create your own. And if you don’t quite have the spare time, you can always use my dividend tracker.

Categories
Dividends Investing

Invest only what you can afford to lock away

I don’t enjoy using the same old “invest only what you can afford to lose” since that brands investing with the same brush as gambling. To me, investing in the stock market is not gambling, not unless you attempt to do active trading to make a buck in quick turnarounds. Still, you should only invest what you can afford to lock away in a vault.

Categories
Investing Life

My investment goals for 2021

2020 was … well, an interesting year to say the very least. It’s one for the history books that a large percentage of the human population would rather forget. Still, it’s important we all look to the future and try to make the most of 2021. I have a few goals in mind that I’d like to make a public record of and share with you all.

Categories
Dividends Investing

Are penny stocks worth it?

Penny stocks are considered by many investors to be the bargain basement of the stock market. These are the stocks that are ideally suited to those with not so much spare cash who simply wish to have a piece of the action. Sometimes they can be brilliant investments, but other times it’s a massive gamble.

Categories
Investing

GME shows we don’t participate in a free market

Something incredible is currently underway between retail investors (the general public) and big money hedge funds over GameStop. Yes, that very same brick-and-mortar store that sells video games. While this current situation has the potential to redistribute considerable wealth, it has also showcased just how closed the stock market really is.

Categories
Dividends

Dividend Tracker 0.93 update: Incorrect conversions

Converting currency is difficult, but this task is made more difficult with my dividend portfolio tracker spreadsheet, which appeared to be converting currencies twice. This didn’t have an impact on the main market tabs, only the main summary view for the charts.