The Overlooked Cost of a Car

In American culture, we view the car as an extension of the driver. We expect a person’s car to mirror their economic or social status. We take great pride in the vehicles we drive, and I see very little wrong with that. However, I want you to think about how…

Continue Reading The Overlooked Cost of a Car

Understanding Your Credit Score

I don’t think I’ve ever met someone that doesn’t use credit in one form or another. Without using credit, there are certain goals most people simply wouldn’t be able to achieve. Whether you’re applying for a mortgage, a credit card, or an auto loan, understanding your credit score can be…

Continue Reading Understanding Your Credit Score

Debt As a Tool

When people talk about their plans to achieve financial independence, eliminating debt is inevitably one of the items on their to-do list. It makes complete sense when you think about it. Being financially independent means that you can cover your expenses without having to rely on income from working. Annihilating…

Continue Reading Debt As a Tool

Passing Up “Free” Money?

"Free" Money from Your Employer I can be a stubborn guy at times. I am generally reluctant to accept assistance offered by someone else. However, if someone offered to help me save for retirement I would instantly jump at the opportunity. I would whole-heartedly thank them and provide them with…

Continue Reading Passing Up “Free” Money?

Getting to Know Your Goals

What is money? Is it simply a piece of paper or is there more to it? It might seem like a silly question, but have you ever taken the time to think about it? Physically, yes, a dollar bill is just a piece of paper. When compared to any other…

Continue Reading Getting to Know Your Goals

Nicholl for Your Thoughts

Hi, my name is Noah Nicholl (pronounced the same way as the five-cent coin donning Thomas Jefferson’s face) and I am passionate about personal finance. I am the creator of this blog that you are currently reading, Nicholl for Your Thoughts. To begin, thank you for taking the time to…

Continue Reading Nicholl for Your Thoughts