Financial Advice

Have you ever heard someone ask “why is it so darn expensive to be poor?” It’s not just a piece of bitter complaining from someone who is down on their financial luck. The truth is that it is literally more expensive to be poor. That, in turn, makes it almost impossible for people with less […]

There are plenty of factors to consider when it comes time to decide where you want to live. You don’t want to just choose a city that is the cheapest, since those locations often come with other negative aspects — poor healthcare systems, lower paying jobs, and crumbling public education and infrastructure. On the other […]

Retirement is an ultimate life goal for most of us. And unless you won a lottery (the birth lottery or the literal cash lottery), you’re likely going to have to spend the majority of working years preparing to retire. Luckily, there are a few things you can do to prepare that go a long way […]

The economical downturn due to recent events has led to a big strain on low-income households, including seniors. One place where these households are seeing great strain is on their energy bill. Two-thirds of low-income households spend more than six percent of their income on energy costs, according to a 2020 report. Furthermore, two out […]

The term “quiet quitting” has spread like wildfire on social media. But the concept existed long before it trended on TikTok. While burnout, low pay, and unsatisfying work/life balances led some workers to join the Great Resignation, others “quietly quit” instead of actually quitting their jobs. Quiet quitting means different things to different people. However, […]

With concerns about a potential recession on the horizon, many people are worried about their finances and financial future. Economists are warning of a recession in 2023 that could hit the United States and Canada hard, so it’s important to be prepared and have an idea of how you and your household are going to […]

President Biden recently announced a student loan relief program, forgiving up to $20,000 in federal student loan debt for eligible borrowers. Unfortunately, scammers are targeting those with student loan debt before the legitimate program rolls out. That’s why the FTC issued a consumer alert, warning people that criminals will likely exploit the news to take […]

Your home is a place where you want to feel safe and secure. However, less than 40 percent of Americans have a home security system. Cost may be a significant factor for many people. Professionally monitored systems can easily run up to $65 USD per month. More and more people are opting for a self-monitored, […]

If you’ve been paying attention lately, it certainly feels like the cost of… well, everything, has been going up lately. And while goods and services do typically cost more over time due to inflation, that’s not the only thing attacking your budget these days. For many people, it’s all the extra fees. Fees in places […]

Want to spend less money? Consider cash stuffing, also known as the cash envelope system. While the concept isn’t new, the old-school budgeting method has found new life on TikTok. The videos in the #cashstuffing hashtag have racked up millions of views, but you might not know all of the ins and outs. Keep reading […]

Divorce often takes a financial toll on everyone involved. There’s just no way around it. Anyone who has been through it already knows the stress it creates. Not only are there massive emotional hurdles to go through, but financial hardships too. If you aren’t prepared, it can take an even bigger toll. That’s why it’s […]

They say everything is negotiable. This is especially true when it comes to negotiating a lease of an apartment or condominium. From monthly rent to parking, too fees, perks, and policies, there is plenty you can negotiate on. Obviously, the best time to do this is before taking possession of your new place. However, successful […]

You’ve probably heard plenty of disclaimers from people who claim not to be giving official legal advice. After all, that’s the society we live in. Everyone needs to protect their own liability. At the same time though, our society also sometimes requires to reach out to attorneys in regards to legal matters beyond our means. […]

We have so many accounts these days. Bank accounts, website logins, investment sites, government logins, stock trading apps — the list goes on and on. There are so many places we can keep our money, it can be hard to keep track of everything. Sometimes, money in a bank account gets forgotten. Or you don’t […]