6 Ways to Stop Living Paycheck to Paycheck

When an individual or a household has a take-home pay that either equals or falls short of their monthly expenses, they are living paycheck-to-paycheck. This typically happens if there is little to no discretionary income available or if excessive debts and spending cause bills not to be paid on time. This means that these households [...]

Why Insurance Should Be a Part of Your Financial Planning

Proper financial planning is important to prepare your finances for retirement or to help you reach larger financial goals. While many people understand the importance of a strong investment or savings strategy as part of that plan, others forget how important insurance can be. Without the proper insurance coverage, you could be putting your wealth […]

Money-Saving Tips for Landscaping Your House

Everyone loves a well-manicured lawn with the perfect shrubs and surrounding flowers or other plants. Many people dream of their perfect yard to show off and be on full display throughout the summer. A lot of the work required to get there starts in the spring, but unfortunately, there’s a lot going on financially during […]

Planning a Wedding on a Budget

Everyone imagines what their dream wedding would look like, from the food to the décor and everything in between. Many don’t realize until they get to the planning stage that it is the biggest party they’ve ever planned, and it can get expensive quickly. According to Business Insider, the average wedding cost $29,000 before the pandemic. It’s […]

Be Smart with Your Money: How to Get Financially Fit in 2022

The start of a new year is the perfect time to reassess how you’re doing in pretty much any area of your life. For example, January is the best revenue month for gyms because many people choose to prioritize physical fitness. The flip of one year to the next puts people in the right frame […]

5 Tips to Recover From a Holiday Spending Hangover

Since 2009, American consumer spending on holiday gifts and expenses has increased annually. In the early fall of 2021, despite fears of higher prices, empty shelves, and a continuing pandemic, Americans told researchers at the National Federation of Retailers that they planned to spend about $1,000 on gifts, food, and decorations over the holiday season, or […]

Setting Financial Goals

Start the new year off on the right foot with a fresh look at your financial goals. Let January 1 be the first day that you put into place a brand-new set of achievable benchmarks to master your money, deal with your debt and improve your credit score.  Successful goal-keepers know that financial independence comes […]

The Health Savings Account

Most Americans who go broke annually do so because of medical debt, leading 530,000 families to file for bankruptcy every year. One reason for this is because health care in America can be extremely expensive, and health insurance coverage, even when offered through employment, is often woefully inadequate. Another reason is that Americans don’t often […]

How to Budget for Home Projects

A renovation project can add square footage, modern fixtures, value, and comfort to your home, but what does it take to get started?  How much does a home renovation cost, and how much should you spend? Like most self-directed projects, once the idea to commit to a renovation takes hold, the question of budget rises […]

Teach Your Kids Good Money Habits

It’s never too early to begin teaching your kids about money, and there is no better time to start than today. Parents are uniquely equipped to pass on this crucial life skill because young children, as a rule, learn to negotiate the outer world by observing and imitating their primary caregivers. Who better than successful […]