Hi, I'm Tim Winfred

Hi, I'm Tim Winfred

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Which passive income stream is the best? – Top 10 + Pros and cons

Which passive income stream is the best? – Top 10 + Pros and cons

Which passive income stream is the best? Now that's a personal question. Without knowing your personal risk profile, I can't tell you definitely which is the best for you. I can, however, help you weigh the pros and cons of each. In writing this, I am hoping to inspire you.

Windmills sitting the distance off a country road, a cloud-filled blue sky, green grass everywhere

Slowing down in the Midwest is affording me more focus and creativity

As my brain has started to slow down and see clearer, I have found myself becoming more mindful of the things I am focusing on. It feels like I'm in the middle of a big, pivotal life lesson about distractions and focus, and I've only really started to recognized that on this trip.

A selfie of me sitting on the Matthew Shepard memorial bench at the University of Wyoming.

How I use a zero-based budgeting spreadsheet to maximize savings and budget life as a digital nomad

As I sit here in my Denver Airbnb, cooled by the breeze of the ceiling fan, I am writing this just after I edited my budget spreadsheet to account for a change in my travel itinerary.

The lessons I learned putting my stuff in storage with a full-service storage company - Clutter (Costs & Review)

One of the things that often plagues tech startups that are "first-movers" is all the unknowns: the difference between what the business/leadership expects, what the customer expects, what the tech team builds (and how well it's working that day)... and the actual experience.

My budget for a six-month road trip across the United States

My budget for a six-month road trip across the United States

I've had a few people ask me about my budget for my 6-month road trip, so I decided to break down and share all the numbers in my budget. Watch the video below to find out how much I have budgeted for the trip overall, what my monthly averages are,

A woman standing with arms stretched up into the air, holding peace signs out towards the ocean.

Financial Freedom

What does financial freedom mean to me? [Summer 2022]

Don't learn about money to become perfect. Learn about money to make a better life for yourself, those you love, and those you hardly know.

A beautiful photo of a gorgeous blue, yellow and orange sunset over Monument Valley in Arizona/Utah.

Deciding to become a digital nomad for six months

When people ask me what I will do at the end of the trip, I like to reply, "Most of the time I don't know what I'll be having for lunch tomorrow... let alone what I'll be doing in six months."

How I use credit cards to make $750+ a year in passive income

How I use credit cards to make $750+ a year in passive income

Credit cards are like Pokemon. They can make up a team that has strengths and weaknesses. Choose the correct one to win in every spending situation.

A screenshot of my budget spreadsheet. The columns include: Day Billed, Monthly Bills, Expected Amount, July 2016, June 2016

How my hate for overdraft fees convinced me to create a budget spreadsheet

Every now and then, I would overspend and get hit with a $35 overdraft fee from the bank. To a lot of people, that might seem like an insignificant amount of money, but when it equates to two hours of work (at a company you hate), that "little" fee felt like a punch in the stomach every single time.

Without the first step, there can be no second...

May 21, 2022... this is the beginning. After so many years of fear and self-doubt, today is the day I finally throw myself into the deep end and start my own blog... As I round the middle of my thirty-second year of life, there is so much that I have