The first time I reviewed my credit report it felt like I was walking into a well-appointed room decorated with mistakes from my past. Some were bigger than others, but they were all there, and every line of my report reminded me of a bad financial decision that I would have loved to forget about — but due to my neglect, these mistakes were anchored to the walls and rubbed into the fabric of the carpet that paved my financial journey.Read More
We’ve finally reached that time of year, the holidays. If you’re anything like me, right about now you’re waist-deep in travel plans, holiday meal planning, and of course, the dreaded gift shopping. It seems like every year we go into this frenzy trying to find the “perfect” gifts for our loved ones, scouring the internet for deals, fighting with random strangers over the last hot item on sale on Black Friday, and maxing out our budgets, all in the name of Christmas.
If you don’t work, you don’t eat. Truer words have never been spoken. But here’s something that also rings true. Even if you do work, if you don’t create a food budget that fits your lifestyle and paycheck, you could end up eating cup o’ noodles by the end your pay cycle as you wait for the next paycheck.
Thinking about having a child? Or maybe you’ve recently found out you’re pregnant! Congratulations!
A range of emotions may have hit you – excitement, bewilderment, surprise, and anxiety – but after some time, your rational mind kicks in and asks,
“Wait, can I even afford to have a child?”
“How much should I save?”
“Does my job offer paid maternity leave?”
These are the questions my wife and I had when we first started to think about having our first child. There’s so much involved with bringing new life into the world, we really didn’t want to add financial stress to the list.Read More
Whether you make $45,000 a year or $250,000 a year, finding ways to reduce your cost of living is vital for long-term financial stability.
We know what needs to be done, but many of us struggle with how. We’re already strapped for time, and adding one more thing to our “to do” list is not appealing; no matter how much money we’ll save. So, I put together a list of things that are easy to implement into our daily, weekly, and monthly routines AND help to reduce monthly expenses over time.Read More
In 2013 I decided it was time to bank smarter. I closed my Bank of America account and opened an account with Navy Federal Credit Union. I chose to bank with a credit union because I saw the benefits first hand during my time as a car saleswoman in college. Since then I have opened additional bank accounts to support my personal and business goals, but my everyday banking needs are still met by my credit union.Read More
A pet (whether a dog or a cat) can be your best friend and bring happiness in your life. But, being a pet owner can cost you between $640 (for a cat) to $1,500 (for a large dog) annually. These costs typically include pet supplies, food, and veterinarian visits. If you’re considering getting a pet keep in mind that pet care expenses can get heavy on your pocket if you have a limited budget. If you currently have a pet, here are a few tips to help you reduce pet care costs.Read More
This post was created in partnership with AutoGravity.
Ride-sharing companies such as Uber and Lyft have revolutionized the way we travel, but for most people owning a car is still a necessity. This is especially true if you live in a city that doesn’t have a comprehensive public transportation system.
But owning a car, new or used, can be expensive. Similar to homeownership, car ownership isn’t just a monthly car payment and your auto insurance. It is important to take the following additional costs into consideration while calculating the potential costs of ownership. Read More