According to a recent report by CareerBuilder, 78% of Americans who work full-time live paycheck to paycheck.

That number is staggering.

I know it’s tempting to splurge a little and spend on things you’ve never had the opportunity to before whenever you have extra money to spare at the end of the month, but consider investing the sum instead before all of it is gone.

Thinking about the long term is hard, especially when it comes to finances, but life does get easier the earlier you start laying the foundation for good financial habits. Whether you have $100 or $1000 to spare every month, investing extra funds wisely can have a significant impact on your future. Let’s take a look at four things you do with extra money every month:
[ continue reading… ]

disaster relief
From Hurricane Harvey, to Hurricane Irma, to Hurricane Jose and Maria, not to mention rampant wildfires, we’ve seen plenty of natural disasters in the U.S. this summer. Although the greatest loss is the loss of life, there are also thousands of families who have lost their way of life: homes, places of employment, and literally every possession. Even if we refuse to call ourselves rich, those of us with a roof over our heads and food in our pantries are in the position to help, yet sometimes we hesitate.

David’s Note: They are now saying that 100% of Puerto Rico is going to be without power for months. Months! For the entire country! I can’t imagine living without electricity for a few months, though I imagine that’s not even the worst of the their concern since they are probably low on basic necessities like food and water.

It’s not that we don’t want to give. Rather, in a world full of charity scams and inefficient organizations, we question where to give so our gifts are being used as they’re intended and getting to those who most need them. If you’re eager to help but want more assurance your charitable donations are making an impact, here are a few (hopefully helpful) guidelines.

1. Don’t Donate Stuff – Donate Cash

People tend to start donating used clothes, canned goods, and bottled water every time there’s a natural disaster. The intention is good, but it also forces government officials and charity groups to deal with the logistics of sorting, transporting and distributing random donations. The inefficiency of this process can end up costing more in time and expense. So, unless an organization asks for donation of items that fill specific needs and gives clear guidelines for how to donate them, it’s best to donate money so these groups can better coordinate and streamline their relief efforts.
[ continue reading… ]

A baby on the way is a very exciting time for any family. Whether you’re new parents or adding to your growing family, preparing for your new arrival can already feel like a handful. Aside from the upcoming sleepless nights and never ending diaper changes, one of your biggest concerns is probably your finances. According to, the average middle class family will spend $12,000 on child-related expenses in the baby’s first year of life. That’s not a small chunk of change. So how do you prepare financially while trying to juggle all the new responsibilities that come with a new baby at the same time?

It’s definitely not an easy task and there’s really no rule book on how to parent, especially when it comes to finances. One tip we know works though, and it’s that the earlier you start preparing, the better you’ll be able to set up for your baby’s future. Before your baby’s arrival, take a look at this checklist on easy things you can do to financially prepare now:
[ continue reading… ]

As unemployment drops and the demand for workers continues to increase, the ball is in the employee’s court to attract potential employees. Companies in similar industries are increasingly competing amongst each other for the best-qualified applicants — even to the point of courting people before they’ve moved on from their current jobs. With comparable positions and tempting salaries at your fingertips, it’s only natural to consider switching jobs, especially if you’re being personally recruited by a friend or former colleague.

Switching jobs might not seem like as much of a leap as switching careers, but job hopping can still be detrimental to your career path and your finances. Before you jump at that new opportunity, take these tips to heart.
[ continue reading… ]

September marks the start of school for most kids around the country. This month is also the unofficial start of the fall wedding season for adults. That’s why we need to talk about it today because if you’ve ever hosted a wedding of your own or even attended a wedding, you definitely know how much it can potentially cost. From venues to flowers to photography, the expenses add up quickly. And considering that it’s only one day of your life, the cost of a wedding can be very daunting.

Luckily, eloping isn’t the only solution to the problem. While weddings can get really expensive, there are ways to cut back without sacrificing the experience for you or your guests. Being strategic about how you stick to your budget can significantly impact your costs in a good way. Here are 11 tips to help you save on your wedding day:
[ continue reading… ]