When someone gets serious about paying off debt, they go through the usual journey. First, they have the “I’ve had enough” moment, where they’re sick of living paycheck to paycheck and being a slave to their debt. Second, they create a budget and stick to it. Third, they cut down on non-essentials
How to Find the Perfect Side Gig to Make Extra Money
Over 70 million people, or roughly 45% of working Americans, are working side hustles. Of those people, 41% say they’re doing it because they need extra income for living expenses. WOW! That’s a lot of people who are short on cash at the end of the month. We’re all feeling this hit, though,
7 Essential Tips for Setting Goals that Actually Produce Results
Throughout the year, there are many opportunities to revamp your life and set goals. Starting a new job, getting married, graduating college, coming home after a vacation, or celebrating the end of the year are all perfect times to reflect and reset. When you feel refreshed and focused there's no
18 Ways to Make this Year Different for Your Finances
It’s that time of year! You’re reflecting on the past year and making resolutions for 2023. There’s probably a lot you want to do differently. And, after a year of economic woes, improving your finances is likely at the top of your goal list! You might be super motivated now, but where will you
Why You Should Cut-Up Your Credit Cards
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
How to Stop Yourself from Overspending The most challenging part of reaching your financial goals is changing your behavior. You’ve become accustomed (maybe even addicted!) to spending in a certain way, and it’s hard to shift! And, at times, no amount of budgeting and head knowledge seems to fix
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