Ryan Luke

Ryan Luke is a father of three, a husband, finance blogger, and full-time police officer. Through proper budgeting and money management, they have been able to live off one income and build wealth at the same time. As an active member of the personal finance community, his goal is to educate and help people get out of debt and build wealth!

save money with a mobile hotspot

How We save Money with a Mobile Hotspot!

As I write this article, my laptop is connected to my smartphone mobile hotspot. I have come to love the flexibility of a mobile hotspot. My mobile hotspot provides quality wireless internet access to connect my kid’s’ tablet as well as all my mobile devices needed to run this website!

buy name brand clothes for cheap

Where I Buy Name Brand Clothes For Cheap

If you didn’t know, I’m all about saving money in every way possible while still living a meaningful life. However, I have learned over the years that just because something is “cheap” doesn’t necessarily mean it’s a good idea to buy it.

the minimum credit score needed to buy a house

The Minimum Credit Score Needed To Buy A House

What’s all this talk about credit scores lately? There’s one group of people telling me I need to maintain a credit score of 700+ in order to save money when I buy a house. Then there’s another group bragging about how they have a “0” credit score, **cough** Dave Ramsey **cough**.

simple ways to pay off your home in 5 years or less

Simple Ways To Pay Off Your Mortgage In 5 Years (or less!)

My wife and I began thinking about the possibility of paying off our mortgage early after we heard of other people doing it. I know in my immediate family, no one managed to pay off their mortgage when they were young, but did that mean we couldn’t do it?

awesome ways to get free baby stuff

Awesome Ways To Get Free Baby Stuff

As a father of three children, I know how expensive it can be to provide food, clothes, and diapers for your newborn. That’s not to mention the never-ending list of other required things such as baby furniture, books, car seats, strollers, and on and on.

female with skin

Your Skin Is Worth More Money Than You Think

No, I’m not talking about the movie, The Silence Of The Lambs, I’m talking about your skin health. Skin cancer is affecting people at an alarming rate and costing people thousands of dollars in treatment.

How To Forget The Past If You Want A Financial Future

What stage of life are you in? I heard a great message at church this week related to stages of life and I couldn’t help but think about the choices I made when I was younger. How often do you find yourself dealing with current situations because of a choice you made in your past?

Should I consolidate my debt?

Should You Consolidate Your Debt?

If you have many different debts with different interest rates, payoff schedules, and balances, it may sound like a good idea to sign up for debt consolidation. Debt consolidation can seem appealing with the promise of a significantly lower monthly payment and a reduced interest rate.