Making smart financial decisions one journey at a time.

Freezing your US credit reports – Revisited

Several years back I wrote about why freezing your US credit reports might be a good idea when you live overseas. With data breach a normal occurrence these days, freezing your US credit reports can make you sleep better at night, knowing no one can take out a loan in...

Investing as a non-resident alien living in the US

I must admit, this title - Investing as a non-resident alien living in the US - seems a bit contradictory. How can you be a non-resident of a country when you actually live there? Well, it is possible when you consider in a tax perspective. In fact, there is a group...

Multi-Currency Budgeting and Tracking System

Budgeting and tracking is not a topic I discuss much on this blog. For one thing, I’m not personally a huge budget tracker. Having done it for six months in our first year of marriage, I decided that there are better uses of my time to improve our financial picture...

Should I contribute to US social security as an expat business owner?

“Should I contribute to social security?” You might think that is an odd question to ask. Afterall, most of the US citizens with earned income have no way to opt out of paying into social security system. This is because US payroll tax, which funds social security...

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