As the class of 2010 steps into the real world, another year of students will have to start paying their student loans soon. Most student loans allow anywhere from 3-6 months before interest starts to accrue so students have time to find a job before starting the repayment process. Once the interest kicks in it can add [...]
How Much Extra Should You Pay On Student Loans?
by Austin on Jun, 06 2010 in College, Debt, Investing
Credit Card Use in Asia
by Austin on Nov, 30 2009 in Japan, Life Abroad
One of my original goals for Foreigner’s Finances was to personally learn more about how different nations view money. I’m fascinated by the topic of money in general. The fact that everyone uses money everyday, but relates to it differently, fascinates me. Throw in international differences and customs and there are some interesting facts and [...]
Meditation and Debt: How 10 Minutes Can Fix Your Money Problems
by Austin on Nov, 18 2009 in Debt
Bad money situations do not appear out of mid air. Poor education, bad luck, or lazy habits are just a few of the many problems that can lead to a difficult money situation. But one thing is for certain: complicated and dire money situations are tough to navigate. Massive debt can be incredibly constricting and cause [...]
Credit Card Debt Facts That Will Scare You Into Staying Out of Debt for LIFE
by Austin on Oct, 20 2009 in Credit Cards, Debt
My financial turnaround began a little over a year ago. After reading some articles online about personal finance, I was persuaded to head to the local library to pick up some personal finance books. It was the summer before my senior year and I was having one of those, “oh my god, I’m graduating in [...]
Welcome to FF!
Hi, my name's Austin Morgan. I teach English in Japan and write about money for twenty-somethings. Feel free to contact me with any questions and I hope you enjoy the site!


