Considering Solar Panels to Reduce Your Electricity Bill? Keep these Facts in Mind
When you’re budgeting, planning for expenses can be a challenge. One area where this hits most people’s budgets is electricity bills. This unpredictability, coupled with rising energy costs, can put a strain on your finances. This may have you wondering: how can you lower your electricity bill and make it more consistent over time? One solution…
Read More6 Tips to Start the New Year on the Right Track Financially
The holidays are a time of hustle and bustle. Between the parties, presents, and meals, other things often shift out of focus. But the new year is a time for refocusing on your goals. Whether you went over budget or just didn’t pay attention to your spending over the holidays, the new year can be…
Read MoreThrift Gifts: Preloved Finds for Holiday Gift Giving
Some things stand the test of time: a classic book, a colorful scarf, a cute end table, quality cookware. With a bit of time for searching, the perfect gift may be at a secondhand store near you. There are two types of secondhand stores. Thrift Stores These include stores operated by non-profit organizations and for-profit…
Read More6 Holiday Hacks to Curb Impulse Shopping
Have you ever stopped to think about how much you spend around the holidays? Chances are it’s more than you think. Research shows Americans spend roughly $1,000 on Christmas each year. While some of this spending is planned, unplanned impulse spending can add up quickly. If you aren’t careful, it can derail your budget and…
Read MoreMaximize Your New Salary or Income Increase
There’s a saying about money management that goes something like this: “It’s not what you make. It’s what you do with what you make.” Of course, how much money you make is important. However, what you do with what you make is just as important, because the choices we make today shape our financial future. Here…
Read MoreHow to Recognize and Overcome Emotional Spending
Have you ever had a bad day and used retail therapy to cheer yourself up? Most people have. In fact, 39% of Americans identify as emotional spenders, or people who spend more to cope with life’s highs and lows, according to a study by Credit Karma. The numbers are even higher for Millennials at 52%…
Read More7 Strategies to Stay Positive on a Tight Budget
In June of 2023, 61% of adults in the US reported they were living paycheck to paycheck. This means over half of adults in the US spend the money they earn each month. If you find yourself living paycheck to paycheck, it may feel like your budget doesn’t have any wiggle room. When your budget…
Read MoreThe Best Ways to Defeat Doubt and Depression Due to Debt
American household debt hit a record $16.9 trillion at the end of 2022, according to Debt.com. And in 2022, it was estimated that just below 10% of the average American household’s income went to paying down debts. Seeing these numbers, it’s easy to understand why Americans feel overwhelmed by their debt. If you find yourself…
Read More7 Money Habits That’ll Help You Stop Stressing Your Savings
Saving money is something we all know we should be doing. But it can often be hard to start and sustain a savings habit, especially if you don’t know where to start or how to stay the course. And this can cause considerable unnecessary financial stress that stops you from getting started. But there are…
Read MoreMoney & Mental Health: 6 Secrets to Spot Financial Anxiety Symptoms
Money can be one of the biggest stressors in life. And at some point, each of us will feel money stress. In fact, according to a survey by Thrive Global, 90% of individuals surveyed said money has an impact on their stress levels. Sometimes, stress around money is tied to an emergency or event that…
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