How to Celebrate Valentine’s Day on a Budget

Personal Finances

Love is in the air and the money is flowing like heart emojis. According to the National Retail Federation, the average American spends $221.34 on Valentine’s Day each year. That’s a lot of money to spend on a one-day celebration! Lucky for you, there are ways to enjoy a romantic evening with your partner without going into debt. Here’s how: …

The Post-Holiday Budget Recovery Guide

Personal Finances

The-Post-Holiday-Budget-Recovery-Guide

The holidays are in the rearview, but if you’ve gone over budget with your spending, it’s time to deal with the aftermath, which is coming head-on. Here’s how you can get your budget back on track for the new year. Review your holiday spending How much debt did this season’s spending set you back? Spend some time crunching the numbers …

How do I Prepare for a Recession?

Personal Finances

How-do-I-Prepare-for-a-Recession

Taking steps to improve your financial health in case of a recession is a smart move. Here’s how to prepare yourself and your finances. Take stock of your financial reality Before you actually make any financial changes, ask yourself these questions: What’s the total of my monthly income? What’s the total of my monthly expenses? What’s the total of my …

Post-Pandemic Money Moves

Personal Finances

Re-acclimating to normal life as pandemic restrictions are lifted and businesses reopen across the country will mean more than just getting used to wearing real pants again and working without your cat on your lap. You’ll also need to consider your finances. How has your overall money management changed during the pandemic? Have you dipped into your savings? Have you …

Spring Clean Your Finances

Personal Finances

Spring is a great time of year to clear your house of accumulated junk and make it sparkle. Why not do the same for your finances? Junk can accumulate there, too. In fact, some of your money matters may need a good wipe down this season. It is especially true this year, when many Americans are still recovering from the …

How to Enjoy a Busy Wedding Season Without Going Broke

Personal Finances

Celebrating a new marriage together with your friends is great fun, but all those wedding invites can put a real strain on your budget. Between wedding attire, travel costs, and gifts, each wedding can add up to a pretty penny. In fact, according to the most recent research by Express Spending & Saving Tracker, the average wedding guest is out …

7 Money Myths You Need to Stop Believing Now

Personal Finances

We all grow up hearing the same financial advice: Spend less, save more and invest early. While most of these words of wisdom ring true, there are lots of widespread money management tips that are actually false. Read on for 7 money myths that might be causing you more financial stress than benefit.   Myth #1: Debit is always better …

Why Do I Spend So Much When Shopping Online?

Personal Finances

Both online and in-store shopping can tempt you to overspend.  The internet is designed to help you lose track of your dollars.  Of course, the internet wins for convenience. Shopping the old-fashioned way, though, is not without merit. When purchasing items that need to fit right or that you may need immediately, you might want to head to the mall. …

Time Is Money: How To Calculate Your Wage For Savings

Personal Finances

Exchanging time for money is a primary economic activity. It underscores every transaction. You go to work and trade your time and labor for a salary. You’re tired on the way home, so instead of cooking, you exchange money for the time and energy of a fast-food worker. You want to go out to dinner with your partner, so you …