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Budgeting
As much as I love gift-giving and the holiday season in general, I often find that it sneaks up on me. If you’re anything like me, you often find yourself in mid-December scrambling to get presents bought, wrapped, and even mailed. That last minute scramble often means paying more for gifts than you intended, since […]
7 minute read
Budgeting
Overhead costs are ongoing business expenses that are not directly attributed to creating a product or service. Calculating and keeping track of overhead is important for any business. Not only does it make budgeting easier, but it’s also used to determine how much they should charge for their products in order to turn a profit. […]
5 minute read
Credit
You probably know that your credit score is an important aspect of your finances. Your credit score goes beyond just helping you get a loan with a good interest rate. It can also influence your insurance rates and even impact what happens when you sign up for internet or a cell phone plan. Knowing your […]
7 minute read
Credit
Perhaps you’ve heard that you should never pay your mortgage payment with a credit card. We feel it’s important to point out that this advice is absolutely correct in almost every case. It almost never makes sense to pay your mortgage payment with a credit card. Not only are you merely transferring the debt from spot […]
4 minute read
Investing
In the year 2021, the price of Bitcoin has gone up and down by tens of thousands of dollars. This type of volatility can be attractive to those looking to make a quick buck by buying the dip. However, for many conservative investors, this behavior has made getting into cryptocurrency a non-starter. If you fall […]
7 minute read
Investing
We wouldn’t blame you for being worried about a potential stock market crash right now. The Delta variant of COVID-19 is currently ripping through the United States (and other parts of the world). Chinese real estate behemoth Evergrande is tanking, threatening to take portfolios around the world with it. Then there’s the issue of the […]
6 minute read
Financial Advice
Readers, I need to tell you a story. It’s about a friend of mine, named Sam. I’ve known Sam for decades — since we were high school freshman together, actually. Unfortunately, Sam has never quite learned what it means to “live within your means.” Or, to say in inversely, Sam consistently lives well beyond his […]
8 minute read
Financial Advice
Smartphones have become so much more than simply being a mobile phone. Today, we use them for a lot more than making calls and sending texts (actually, who even makes actual phone calls anymore, anyway?). Our devices have become so advanced that they have replaced many physical items we used to depend on. One of […]
7 minute read
Save Money
We’ve all been there before. You’re telling a friend about how you need a new pair of boots and scrolling through your Instagram feed. Then suddenly, like magic, an ad for some boot company you’ve never heard of appears on your timeline. Later, you’ll wonder how Instagram knew to serve you up the right ad […]
8 minute read
Save Money
One of the most common financial concerns for adults these days is retirement. It comes up over and over again. For anyone concerned about money, retirement is a very big problem to confront. Current (and future) generations of working-aged Americans aren’t exactly fairing well, when it comes to retirement savings. Some studies have shown that […]
7 minute read
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Banking
I have been banking with the same institution for 18 years. That means I get a little panicked at the thought of switching to a different bank. Between direct deposits and automatic bill paying, the task of changing to a new bank feels long, complicated, and potentially messy. It doesn’t have to be that way […]
5 minute read
Banking
Every time the new year rolls around, it’s natural to start thinking how you can optimize your finances. A high-yield savings account is a foundational step for long-term financial growth and freedom. If you already have one, that’s great. However, it’s always good to be looking around for institutions that might have better options than […]
4 minute read
Banking
Most of us have bank accounts. Or a bank product, at the very least. Whether it’s a savings account, credit card, checking account, line of credit, or some other service, you more than likely deal with a bank on some level. A lot of business relies on having fast access to our money. We also […]
5 minute read
Banking
It’s not often in life that we get second chances. When we do though, it’s typically in our best interest to take them. Whether you’re able to make anything of that second chance is often left up to fate. However, there are certain instances where the power to change your future lies square in your […]
5 minute read
Make Money
Living frugally is a surefire way to stretch your budget. However, it’s certainly easier to live within a budget when there’s more income to go around. While you might be able to earn extra money by taking on a second job, it would be easier if your current gig just paid you better. One of […]
8 minute read
Make Money
Summer has arrived. The sun is out and many people are hitting up local yard sales again. You may be interested in holding one yourself. After all, they can be a great opportunity to get rid of your old stuff — and make a little money on the side. So if you’re planning a garage […]
8 minute read
Make Money
According to Seed Scientific, only about 30% to 40% of job-seekers who reach the interview stage end up receiving a job offer. Unfortunately, those raw numbers suggest that you have a 60% to 70% chance of not getting hired after your interview. However, it’s possible to slightly rig the game in your favor. Proper preparation […]
7 minute read
Make Money
Receiving a pink slip from your employer is a tough reality that almost everyone has to face at least once. No matter the reason for your job loss, it’s incredibly difficult to have the rug pulled out from under you. You may experience a feeling of hopelessness, not knowing exactly what to do next to […]
8 minute read
Save Money
We’ve all been there before. You’re telling a friend about how you need a new pair of boots and scrolling through your Instagram feed. Then suddenly, like magic, an ad for some boot company you’ve never heard of appears on your timeline. Later, you’ll wonder how Instagram knew to serve you up the right ad […]
8 minute read
Save Money
One of the most common financial concerns for adults these days is retirement. It comes up over and over again. For anyone concerned about money, retirement is a very big problem to confront. Current (and future) generations of working-aged Americans aren’t exactly fairing well, when it comes to retirement savings. Some studies have shown that […]
7 minute read
Money
Marriage is intended to be a lifelong commitment, but paying off the wedding shouldn’t be. If you are of the same mind and wondering how to plan a wedding on a budget, these saving tips are for you. As the largest generation yet to age into marriage (over 72 million!), many Millennials (those born roughly […]
24 minute read
Save Money
It’s true that dollar stores have improved greatly in recent years. Most dollar stores now carry name brand items in some cases. You can likely find a wider selection of grocery-type items too. However, just because dollar stores have improved their offerings doesn’t mean that they are always a good idea. Indeed, there are some […]
7 minute read