So many of us have done it: Opened a credit card and told yourself, “I’ll pay it off every month and benefit from the rewards!” It seems like the perfect plan. Plus, the Internet tells us we MUST have a good credit score to get a house. So, really, getting a credit card is a responsible step toward
25+ Ways to Have a Budget-Friendly Christmas
25+ Ways to Have a Budget-Friendly Christmas One of the hardest times of year to stay on budget is definitely Christmas. The holiday is all about spending time with families, giving to others, and having a grateful attitude. Unfortunately, a lot of the Christmas festivities mean shelling out a lot
How to Stop Yourself from Overspending
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Is it Wrong to Take Student Loan Forgiveness?
Is it Wrong to Take Student Loan Forgiveness? A little over a month and a half ago, Joe Biden announced a sweeping student loan forgiveness program. He claimed that many low- to middle-income borrowers would receive $10,000 in forgiveness, and those with Pell Grants would get $20,000. This left
What is a Zero-Based Budget?
What is a Zero-Based Budget? If you’ve never budgeted before, the recent rise in inflation has probably got you thinking about it. And, for those of you that have budgeted before, are you wondering if there’s a better way to track your expenses and save money? The truth is, there are a lot of
10 Budget-Friendly Date Night Ideas for Money Savvy Couples
10 Budget-Friendly Date Night Ideas for Money Savvy Couples When you and your spouse (or significant other) are striving for financial freedom, vacations and date nights can get put on the back burner. This idea at its core isn’t a bad thing. However, your relationship should never be put on the
You’re Invited…
RSVP today…get a response in seconds. You would think I would feel excited about this invitation. The invitation is on thick and glossy card stock. Even the envelope says, “By invitation only,” and “Your immediate response is requested.” It is obvious they are trying to make me feel like I am
10 Ways to Save $1,000 in a Month
When you’re drowning in debt, placing money in a savings account may sound counter intuitive. But this amount will help shield you from most emergencies while you’re busy paying off your debt. Your first financial goal is to put $1,000 aside as a starter emergency fund. Yes, that will not cover