Caleb Bale's Blog

Dave Ramsey has been saying for years that you need to use a debit card instead of a credit card. And finally, Ramsey Solutions decided to actually do something about it.

Tada! The Gazelle Debit card.

The Gazelle debit card: created by Ramsey Solutions, designed for you.

I’ve been a part of the testing phase for this card and I have been so excited to share it with you all. Let me show you why this...

When we bought our house, it hadn’t been lived in for 3 years. The roof was in horrible shape. Soft spots under the shingles and more horrifyingly, moss all over the north side of the roof. So we started looking into replacing the roof as the first big step in fixing up our fixer upper. 

The first salesman that came over walked around, took measurements and pictures, then proceeded to sit down and give us an hour-and-a-half long presentation about how good their roofing product wa...

Recently, my wife, Bailey, and I got a new debit card and I’ve been really impressed so far. It’s called the Point Debit Card and it’s different than any other debit card I’ve ever had because it provides more benefits and protections than any other debit card I’ve had. Let me break it down!

According to Nerd Wallet, the average American household has $6741 in credit card debt from month to month. So, as a financial coach, I want people to avoid using...

With all of the blog posts I’ve written about paying off debt, saving and investing, I wanted to give you some practical ways to reduce your expenses now.

Like right after reading this blog post.

There are some incredibly simple things that you can do in your everyday life to save money! Here are 8 of them. Let’s get into this list.

For some this may be obvious. But seriously, generic brand will save you. According to a Business Insider article, it’s estimated th...

What if I told you there were 3 ways you could save money on taxes AND health care? Psh, it’s like the ultimate way to kill two birds with one stone. Not to mention, any way you can learn to stick it to taxes during tax season is a big thumbs up.

So today we’re going to cover the HRA, the HSA and the FSA, how they work, and how they will make a big difference for your finances.

Health care continues to rise year over year. The Balance, a website dedicated to ...

Have you ever looked at your bank account and asked yourself “Oh my word, where did my money go?” Have you ever been given a project with a deadline, then used that whole time to complete the project? These two circumstances are connected by a phenomenon called Parkinson’s Law and it applies to anything from time management to personal finance. 

When I was in college, I remember approaching the final for my class of Thermodynamics. Our professor told us we w...

In the last several years, the internet has been inundated with articles and videos about passive income. Many promising wealth through scammy and sketchy means.

Unlike those, we’re going to cover one of the simplest forms of building passive income there is: dividend investing.

First, let’s break down investing into two categories. There are stocks that have dividends and stocks that don’t. Dividend stocks pay you a percentage of annual earnings based on the amount of stock that you own i...

Is it possible to have a high paying job with no degree? Absolutely. In this interview, we look at one job in the trades specifically: being an electrical lineman.

Elias is a lineman for a town in my area and chose to pursue this career because 1) he wasn’t interested in going to college, 2) he wanted to work outside, 3) he knew that electrical lineman was a high income position.

While he was in high school, Elias attended a career center where he learned all things electrical and cl...

Imagine a world where banks were fully transparent with you. Sounds nice, doesn’t it? Unfortunately, there are many tactics banks use to make parts of their business look better than they are. Specifically when it comes to APR and APY.

Well today we’re going to get the difference between APR and APY. I’ll explain to you why banks use one of them for savings interest and one for loans interest in a rather misleading way. Only one letter swapped between the two, but they’re about as different ...

Bitcoin is quite the buzz word right now. Everyone wants a piece of bitcoin. It just keeps growing!

But for the average person, bitcoin doesn’t make sense. How does something that is made up of ones and zeros have any sort of value? What happened to being backed by good old fashioned gold?

To understand this, we have to dig deeper to understand the underlying foundation of digital currency: the blockchain.

Let’s say you’re a farmer who sells chocolate ...