
My Disinterest with Paying Interest
The word “disinterest” is actually too mild to describe my feelings toward paying interest. Quite frankly, I really hate paying interest. On anything! Mortgages, auto loans, credit cards, anything! Paying interest, in my opinion, is a complete waste of net worth.

Three Steps to Build Net Worth
Step One: Spend less than you make.
Step Two: Invest the difference.
Step Three: Repeat steps one and two for a long time.

Net Worth
One of my favorite things to do with my budget is calculate my husband’s and my quarterly net worth. It’s fun to map out the progress that we make toward our financial goals. I started tracking our net worth about a year ago and it has helped guide us in our financial goals and decision making. Tracking our net worth has shown us areas in which we can improve our net worth to work toward financial independence and, ultimately, retirement.