Rick Orford

Rick Orford is a Personal Finance Expert and the Best Selling author of The Financially Independent Millennial. Rick has served as an elected director of a Canadian financial institution, and has been involved in several tech acquisitions in his 20+ years of experience. Indeed, he has a proven track record as a respected, influential business leader, and brings a proven ability to translate vision into reality.

Personal Finance Tips: The Ultimate Guide To Bookmark in 2021

In this article, I round up the top 100 personal finance tips, as provided by our experts that come from diverse backgrounds, locations, and education. At over 16,000 words, this is certainly a long read, and the biggest anthology I ever put together. I don’t expect you to read it all in one go. Rather, …

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Friends hosting a party at home to save money and live frugally

14 Frugal Living Tips You Can Implement Today and Save Thousands

In this article, I discuss frugal living tips that you can start today and save thousands of dollars. Being a millennial who tries to save money is a hassle. But, know that frugal living does not mean you should have a sad life. It’s also not about being stingy: frugal living is about being resourceful. …

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an envelope stuffed with 5000 dollars this year from savings

How to Save $5000 This Year With The 52-Week Money Challenge

Do you want to save $5000 this year? If so, look no further. In this article, I go over my 52-week money challenge that you can start today. Then, at the end of each tip, I’ll give you the potential savings (a year) where applicable. No one likes to throw money away, and you and …

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a shopper coping with an emotional spending addiction in milan italy

How to Avoid Emotional Spending: 9 Tips You Can Do Today

Are you wondering how to avoid emotional spending and perhaps wonder what it is and how to break the addiction? Or, maybe you’re reading this article to make better money choices – even for people with a higher education level. The challenge is that your instincts play a vital role when making money to spend …

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mortgage hack

How to Get a Mortgage: 15 INTELLIGENT Things You Can DO [NOW]

Are you thinking of buying a home, or wondering what you’ll need to get organized for a mortgage? If so, you’ve come to the right place. In this article, I aim to give you, the reader, as much information as you might need before applying for a mortgage. Before delving into the specifics of getting …

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Rick Orford displaying ways to get out of debt by cutting credit cards

How To Get Out of Debt Fast in 2021 in [3] Simple Ways

Are you looking for ways how to get out of debt fast? In this article, I’m going to talk about the 3 steps on how you can pay off your debt fast, starting today. For sure, becoming debt-free is a significant part of becoming financially independent. Also, I’m going to show the #1 thing about …

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personal chef working a side hustle not online

Best Side Hustles – The Top 27 That Anyone Can Do In 2021

Are you looking to start a side hustle to make extra money, but not sure if it’s going to be online or not? Thanks to Social Media and people being so busy, creating a side hustle to make extra money in 2021 is easier than ever. To be sure, there’s nothing stopping you from starting …

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a group of millennials happy about improving their credit scores

How to Improve Your Credit Score [FAST] Using These 29 Best Ways

If you’re like millions of others, you’ve probably wondered, at least at some point, how to improve your credit score. My goal is to discover and pick apart all the moving parts to making up a credit score in this article. But, your credit score is just one piece to improve from your financial puzzle. …

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a millennial woman reads a book about investing

What are FHA Loans and VA Loans in the United States?

FHA loans and VA loans are mortgage loans insured by the government and available for potential homebuyers.  FHA loans are available to lower-income borrowers and typically require a very low down payment. Also, borrowers get competitive interest rates and loan costs.  VA loans are available to veterans and their spouses or widows/widowers. VA Loans require …

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