Before you throw out all other financial advice you’ve been given and dedicate your life to following my advice, please be aware that I am not a financial expert. I have never received any formal training or certification. I do not recommend exclusively following my advice. If you are in a crucial financial position, you should seek help from an actual expert. Following my advice could actually be harmful, especially if done so without any other financial knowledge or without common sense.
That is not to say that I do not believe in the advice I offer on this blog. I am just not confident that it will necessarily be effective in all situations. So you follow such advice at your own risk. The type of general advice on this blog is not meant to be a detailed account of everything one should do. Instead it exposes you to basic principals which you should research more to learn more and ensure it suits your situation.
In addition to the advice I personally give on this blog, there may also be guest posts from third parties. Plus there are advertisement banners in the blog sidebar and on various pages. Some links may be on an affiliate basis whereby I receive compensation based on referral sales. The advertisements provide me monetary compensation and help keep this blog open to the public. I cannot be held liable for anything on those external websites. If there are any links pointing to anything offensive or illegal, please let me know and I will look into it asap. Be aware that any links on this blog are not intended to imply personal endorsement.
If you have any questions, feel free to contact Modest Money. I will personally reply to your message.