Cash or Credit? What would you answer? via GIPHY For me, it was cash ‘til I got to the United States. But the Wu Tang Clan song C.R.E.A.M. (Cash Rules Everything Around Me) doesn’t ring so true here. Credit rules. Yup, a high credit score is what the American Dream is all about. Forget the white picket fence, a high credit score is your meal ticket forever. But how do you get a credit … [Read more...] about Getting My First Credit Card Was A Battle
A side hustle is much more than a part-time job. A side hustle is a job that can grow into something that could make as much if not more money than your job over time. Long story short, a side hustle could replace your job, so you never have to work another day again. This article contains affiliate links, and we will be compensated for any purchase made by clicking on them. Thank you for … [Read more...] about 17 Side Hustles That Could Potentially Replace Your Job (And How to get Started)
Unfortunately, the days of asking your parents for spending money to go to the movies with your friends are long over. Once we’re in our twenties, we’re expected to have jobs and make money. We have to provide our own spending money, and on top of that, we have to pay for the necessities, like food, rent, and those dreaded student loans. All of this can seem utterly daunting for the young … [Read more...] about How to Budget Like a Realistic Adult
While working with clients struggling to get their finances in order, I began to hear similar stories over and over again. Today I wanted to share a story, a story that may sound all too familiar, a day in the life of an overspender: 7:00 AM: The alarm goes off. You promised yourself you would take full advantage of your unlimited class pass at that swanky spin studio; but your bed feels so … [Read more...] about How to Change Your Daily Routine and Stop Overspending
Good habits? I know what you're thinking. Alright, so we’re in our 20’s, and we’ve got our whole lives ahead of us. Now is the right time to develop some healthy habits; habits that will stay with us well into our golden years. No, it isn’t too early to start, and yes, you probably did out-grow your all-nighters now that you’ve got a real job. While some of them may not sound like a good … [Read more...] about 10 Good Habits to Develop in Your 20’s
Now that Spring is here; everything is in a state of new life and renewal. Trees, plants, fields are beginning to turn green and are filled with colorful wildflowers. You’re probably getting things done that have been off all winter. Spring cleaning can be a lot of work. While your getting back into the swing of things, this is the perfect time to get your financial house in order. Why not breath … [Read more...] about 6 Ways to Create a Financially Healthy Future
If you’re in any kind of debt, one of the worst things you can do is worry about it. Worrying about your debt won’t do anything to help the situation, and chances are you’ll make things worse as a result. Worrying can lead to doing things to make you feel temporarily better, such as spending more money. Telling you not to worry if you’re in a lot of debt might seem easier said than done, but … [Read more...] about Effective Things to Do When You Are In Debt
If you’re running yourself into a mountain of debt, then it’s time to fix up and do something about it. No idea where to start? Here are eight simple steps to get your debt problem dealt with! Check it out below. 1. Don’t Ignore Your Mail Firstly, when you come home each evening to see a new stack of letters on your doorstep, don’t simply chuck them away. Be sure to read all of your mail so that … [Read more...] about 7 Simple Steps To Get Your Debt Problem Dealt With!
You receive a salary that is more than enough for yourself. You save 30 percent of that amount in the bank and spend the 70 percent on needs and some wants. That's the 70/30 rule of savings. To date, this strategy has been an effective method of saving money and it has saved a lot of individuals like you. Saving Half the Money Now moving on, how do you take that savings up a notch? That's easy. … [Read more...] about The Incredible Power of Saving 50 Percent
Financial control of your life is a very liberating experience. So many people struggle with debt through their lives. Getting out of debt is enough of a challenge. But, once you’re out you need to make sure you take control of your money. This is important because it means you can enjoy a better quality of life and more financial benefits. Have a look at these ideas and use them to help you come … [Read more...] about Take Financial Control of Your Life Now!
When you’re a millennial, there’s a good chance that you have a lot to juggle money-wise. It’s no secret that our generation is struggling financially under the highest student debt load in history. At the same time, we’re generally careful with our money and good savers, unlike our Gen X elders. This means we have a lot going for us, and that we can be adults about money, even with limited … [Read more...] about How to Be a Grown-Up with Your Money