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Credit and Debt

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Credit and Debt

Cures for a Debt Hangover

Holidays are seldomly easy on the budget. Birthdays too. Same for vacations and shopping sprees. Even if you try to temper your spending, tons of unexpected expenses arise ...

Credit and Debt

Prioritizing Your Loans for Quicker Payback

Prioritizing how you repay your debt is essential since it can impact how efficiently and quickly you become debt-free. It could also affect ...

Credit and Debt

Good Reasons to Borrow Money

You have probably heard, more than once by now, that not all debt is created equal. Some types of debt are beneficial, while others, not so much ...

Money Management

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Money Management

25 (Almost) Pain-Free Budget Cuts You Can Make

Creating a budget and learning to live within certain limitations does not have to feel like walking across hot coals barefoot. It’s true! There are things you ...

Money Management

Repair or Replace it?

In today’s ever-increasingly disposable society, it is not always easy to know what items you might want to try repairing instead of just replacing it. More importantly ...

Money Management

What Do You Need in Your Wallet?

We live in a time where people can access a surprising and alarming amount of information about our personal and financial lives with only a few critical details about ...

Workplace Finances

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Workplace Finance

First Paycheck? Do These Things First

Your first paycheck can be quite exciting. However, before you open your pay envelope and look at the total, you need to have a plan in place to maximize your income ...

Workplace Finance

Direct Deposit and Paycheck Allocations

A growing number of employers offer direct deposit, in which your regular paycheck is electronically ...

Workplace Finance

Setting Up Tax Withholding

Do you look forward to receiving a big income tax refund every year? If so, you are taking the wrong approach ...

Home Ownership

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Homeownership

Down Payment Strategies for First-Time Home Buyers

The idea of buying a first home is exciting. Coming up with a sizeable down payment, however, can feel like an insurmountable task. That is especially true ...

Homeownership

15-Year vs 30-Year Mortgages

What makes more sense financially for you, a 15-year fixed-rate mortgage or a 30-year fixed-rate mortgage? ...

Homeownership

How Escrow Accounts Work

When you purchase a home with the help of a lender, the lender will likely set up an escrow account for ...

Paying for College

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Paying for College

Refinancing Strategies for Student Loans

Student loans. Without them, college educations would not be possible for large segments of today’s population. Whether attending state colleges and universities or ...

Paying for College

The Challenge of Working Your Way Through College

Working your way through college can provide precious work experience and valuable life lessons while teaching you ...

Paying for College

Financial Tips for College Freshmen

As you begin the next step in your journey of life as a college-bound freshman, you will face many ...

Retirement

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Retirement

Supplemental Healthcare Coverage in Retirement

The Balance, a personal finance website publisher, recently reported on the alarming rate of medical bankruptcy in the U.S., stating that 643,000 Americans face ...

Retirement

Supplementing Your Retirement Income

While many have somewhere warm and tropical in mind, plenty of retirees are considering relocation to ...

Retirement

Restructuring Your Budget for Retirement

If you are like many people, you have been planning and building a nest egg for decades for the moment when you finally reach retirement age. However ...

Family Finances

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Family Finances

Liquidating a Loved One's Estate

When a person passes away, the liquidation of their estate is administered by an executor. Being selected as an executor is an honor. However, it can also be an obligation ...

Family Finances

Making Financial Preparations for Maternity Leave

The weeks and months leading up to your maternity leave are as exciting as they are terrifying. You have spent many months preparing for the changes to take place ...

Family Finances

Managing Your Child Care Expenses

Most people who are preparing for the first baby are shocked and even dismayed to learn just how high childcare costs can be. According to the ...

Small Business

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Small Business

Branding Your Business

An effective branding strategy makes your business stand out in a competitive marketplace. Online, it helps ...

Small Business

Creating an Online Presence

As a new startup or an existing brick and mortar business, building an online presence for yourself is ...

Small Business

Gaining a Competitive Advantage

It takes extensive research and strategic planning to gain a competitive advantage. Every advantage is ...

Cyber Security

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Cyber Security

If You're a Victim of a Data Breach

Technology and online security see continuous enhancements each year, but unfortunately ...

Cyber Security

Keeping Your Mobile Phone Secure

Your phone contains sensitive information about you, your finances, and your family. It is critical ...

Cyber Security

Make Sure Your Home Network Is Secure

Most people these days set up a wireless home network so that all of their devices can ...