How to Balance Long-Term and Short-Term Savings Goals

We all know it’s important to save money. But how do you balance saving towards both your short-term and your long-term goals? I recommend creating a savings plan that takes your budget, goals, and timeframe into consideration. This can help you be successful in saving in both the short and long-term. Define Your Goals First,…

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How to Manage What Gets Charged to a Credit Card

Credit can be a valuable tool in your personal finance arsenal. It allows you to buy things you need and earn points or cash back. It also offers a way to conduct secure transactions online and provides some protections against theft and fraud. But, if not managed properly, it can be a road to high-interest…

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8 Tips for Financial Planning During an Economic Downturn

It’s difficult to create a solid financial plan when the economy is booming. Add an economic downturn and creating a financial plan can seem impossible. Here are eight tips for financial planning during a downturn that can help you stay the course. 1. Be Sure You’re Thinking Clearly It’s easy to give in to panic…

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How to track and trim your subscription costs

The subscription industry is huge in our world today! The average person spent $237.33/month on subscription services in 2018. These services include internet, cell phone coverage, streaming services for video and music, food delivery, health and fitness apps, and more. With the vast number of subscriptions you can sign up for and the large portion…

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Five Ways to Manage Financial Stress During COVID-19

Even under the best circumstances, most of us deal with financial stress in our daily lives. With the additional stress that has been placed on many individuals and families as a result of COVID-19 from job loss or changes in income, and uncertainty about the future, financial worries are even more common. Dealing with your…

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Applying for SNAP Benefits if You’re Newly Unemployed

If you’ve lost work or earnings, you may be curious about programs that you can use during this difficult time. Your first move should be to apply for unemployment insurance. This is likely the most valuable benefit, especially while the additional $600/week is available through late July 2020. Unemployment insurance often replaces only a portion…

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