Everyone loves electricity, but most people hate to pay for it. Despite this fact, few people take the easy steps necessary to reduce their electric bill. I’m a frugal guy, and my electric bill has always been among the lowest in my neighborhood.
If you want financial freedom, you need to have a good grip on your monthly expenses. A lot of folks think they can control their food budget simply by shopping at the place with the best prices. That often means Costco or other warehouse clubs.
Let me start by saying that I am an unabashed fan of Peer-to-Peer (P2P) Lending as an investment class…. within reasonable limits. It has solid returns, requiring little to no active management, with low monthly volatility, and it is not highly correlated with other major asset classes like stocks.