Personal priorities and disposition will naturally influence one's financial ambitions. However, as you progress through life's stages and encounter new economic challenges, your goals will shift. A person in their 20s will have a very different outlook on life than someone in their 60s, and their financial planning needs to reflect this.Read More
You may already be beating yourself up over your crazy year-end spending, and the holiday season isn’t over yet. If so, know that you’re not alone. Many individuals easily rack up debt during the last quarter of the year because, well, everyone’s in the mood to shop and indulge.Read More
There’s always the risk of an economic downturn due to unforeseen circumstances. In the last 15 years alone, we’ve experienced both the Great Recession in 2008 and the effects of COVID-19. However, as the economy recovers, it could mean that we see an acceleration thanks to efforts to return the world to normal.Read More
A massive monetary windfall like winning the lottery, receiving an insurance payout, or gaining an inheritance is far more exciting than any financial planning or saving strategy. However, it comes with equally colossal responsibilities. As American businessman and author Robert Kiyosaki once said, “It’s not how much you make that counts but how much you keep.”Read More
If you dread the idea of filling out a few B-309 forms, perhaps some perspective can help soften the blow. History is laden with famous bankruptcy filers. While they all have celeb status or history on their side with their own unique stories, they have one thing in common: They all rode the tailwinds of their financial success only to find misfortune at some point in their careers.Read More
No path to financial independence has you simply sitting on your couch, drinking coffee, and watching daytime television while money pours into your accounts unless you bought Bitcoin a few years back, and then, well you pretty much only had to hold it! Regardless, the point is, you’ll need to develop a strategy that meets your needs, but first, let’s look at what ‘passive income’ refers to.Read More
how can you survive (and save money during) the continued fuel increase?
There are many ways you can save on gas, such as the obvious way of looking for a cheaper gas station.Read More
Should you give your kids an allowance? Some parents argue that kids shouldn’t have an allowance when they can find everything they need at home. There is some truth to that, but giving them pocket money can teach them the valuable skill of properly handling money.Read More
It’s once again almost time for seasonal cheer, joyous celebrations, and for many people, endless holiday spending. From vacations to gifts to parties, it’s easy to lose track of your expenses. While there are so many reasons to enjoy the season, you will be far less stressed if you celebrate Christmas on a budget.
The good news is, saving money during the holidays is possible! You don’t have to go into debt to have a smashing good time. Read on to discover ways to avoid going broke during the holidays — but still enjoy every minute of it.Read More
In these hard times, it’s not just our health that we need to take good care of but also our financial status. Given that a lot of jobs were lost or in peril, as well as both small businesses and large companies struggling or worse going bankrupt, staying on top of finances has been hard to do.
Credit card debt has ballooned and Covid-19 has forever changed the way we do banking or the way we use a credit card. Remember that you are not alone and that there are certain measures in place to help you out if you’re struggling.Read More
It is an unfortunate reality that, similar to technology, professional scammers also evolve. Precisely because they’re professionals, they’re good at what they do and see an opportunity to victimize anyone at every turn. They use everything at their disposal to make themselves look credible and trustworthy to potential victims. So, if you become a victim, here are the things you can do to minimize the problems that may arise.Read More
It’s important to be aware that scammers and fraudsters are relentlessly finding new ways, day in and day out, to victimize us and run away with our hard-earned money. They’re not only innovative with their techniques as technology advances, but at the same time, the stories they employ to either overwhelm or entice us are constantly evolving.Read More
With a side hustle, making money on the side is both possible and it can be convenient. Even better, you get to add a few more figures to how much you already take home from your day job.
What kind of side hustles can you get into to start making money? Here are some ideas to get your creative juices flowing. And, yes, you will need to have creativity in spades for some of these on-the-side ventures.Read More
With the holidays nearing, the biggest sale of the year comes in the form of Black Friday. All businesses prepare for it, and shoppers get some of the best deals anyone will see in the year. However, the challenge is maximizing your money so you can save more.
Considering how there’ll be so many things that will try to catch your attention, you need to know a few tips and tricks. That way, you’ll avoid getting overwhelmed and can have a solid plan when the fateful day arrives.Read More
Financial anxiety is a feeling of unease toward your finances. APA has not recognized an official diagnosis for this condition, but it may sometimes share similar symptoms with anxiety, like nervousness, fatigue, and irritability.
Several factors might cause financial stress, from medical bills to unemployment to irresponsible spending. Like other types of anxiety, some components that cause stress in an individual might not impact another.Read More
Generation Z marks a drastic change in the way people think of money as a concept. While every generation is different, Z is proving to be one that will define the financial future. With challenges brought about by the current and past environment, this generation has to adapt. The unusual thing is that they’re acclimating and adjusting at a much faster pace than expected.Read More
Anyone can enjoy Halloween on a budget with a little creativity and imagination, whether you’re a parent who is spending it with your kids or a single person who is excited to party the night away.
Even if you’re practicing cost-cutting measures this year, you can still have fun on this festive occasion without breaking the bank. Keep reading to discover affordable Halloween projects that you and your family or friends can do together.Read More
Are you crazy in love, but your relationship is moving faster than your current budget allows? Are you and your partner already talking about getting married or buying a house together without thinking about how you will afford it? Are you considering moving in together to save money?Read More
Credit cards can generally come in handy when you're short on cash. The concept is somewhat similar to taking out a short-term loan since you get to "buy now and pay later." Aside from being able to instantly make large purchases — at least depending on your credit limit — credit cards are also quite useful during emergencies.
However, if you're not careful in using your credit card, you might end up being mired under a huge amount of debt. There's a psychological factor to making instant purchases without taking physical money out of your wallet: you can have a tendency to forget that you actually paid for something. Before you know it, you've acquired an unmanageable amount of outstanding credit card balances.Read More
Shopping for a new vehicle can feel a bit daunting, and rightfully so, due to how expensive new and used vehicles are. The financial implications can last several years. First-time car buyers, and even seasoned veterans such as I, can find themselves overpaying for a vehicle due to a variety of factors such as financing, new vehicle markup, the true value of the vehicle when previously owned, overbuying based on wants over needs, extended warranties and more. Here’s what you can do to make the most of your car buying experience.Read More