Tips for managing credit and controlling debt
Divorce is hard – emotionally, mentally, and yes, financially. The end of a marriage can feel like a storm that hits unexpectedly, leaving your financial life in shambles, with a tangled mess of joint accounts, debts, and assets to untangle. But just like any difficult situation, the key to navigating a Read more…
It has happened to the best of us. With good intentions, you sign up for a “free” trial offer and forget to cancel the unwanted subscription. Before you know it, unbeknownst to you, your credit card is being charged monthly or annually for the subscription you perhaps never intended to Read more…
At this point, you’ve likely heard it all over the news. On August 24th, 2022, the Biden-Harris Administration announced a Student Debt Relief Plan (student loan forgiveness) that includes a one-time student loan debt relief payment targeted to low- and middle-income families. My job here is not to debate the Read more…
77% of Americans report being anxious about their financial situation according to a Mind over Money survey by Capital One and The Decision Lab. To make it real, if you and three friends are having lunch, three of you at the table are anxious about your personal finances. Are you Read more…
I’ve often heard from older individuals, “if I had only started saving earlier in life, I wouldn’t be stuck doing [fill in the blank].” What I hear in these words of regret is a bit of wisdom; an understanding of the value of time and its impact on money. Too Read more…
We are in the middle of a fake wealth epidemic People are obsessed with wanting what they cannot afford. We have become a society of instant gratification. Wanting fully loaded vs. what we can afford. Buy it now, and pay it off over time. Social media, Hollywood and even those Read more…
There has been a lot happening over the past several months which may have you concerned – Russia’s intensifying attack on Ukraine, inflation and the continued uncertainty of “WTF is next with the COVID-19 pandemic” just to name a few. When unexpected events occur, it certainly has a human impact. Read more…
It is true. I haven’t had a pay raise in 10 years. Am I mad about it? No. The truth of the matter is that I prefer it that way. Before you call me crazy, hear me out. My wife and I have made a conscious choice to not get Read more…
Black Friday is lauded as the best time of the year to save on purchases. But are you really saving? Or is it all a ploy to drive more consumerism? The history of “Black Friday” The history of Black Friday actually has some pretty dark roots. The term “Black Friday” Read more…
Over the course of time, I have encountered a large number of people of all income levels living paycheck to paycheck. I’ve talked with individuals living lavish lifestyles, being “house poor,” and scraping by every couple of weeks to fund an overextended life. I’ve also talked to people on the Read more…