I will be honest because personal finance must involve an honest conversation. Though some personal finance sites might compare needing a budget to needing air or food, I don’t plan to be that melodramatic. I will, however, emphasize that I think budgets are essential to maintaining financial order in your life. A budget can be […]
One of the scariest financial situations to be in is living paycheck to paycheck. Unfortunately, too many people are in this predicament. According to a study done by LendingClub and PYMNTS.com, 64% of Americans live from paycheck to paycheck. What’s even more surprising is that almost half of Americans who earn more than $100,000 live […]
Here’s how to have yourself a minimalist little Christmas.
Many of you know about the 4% retirement withdrawal rule, which claimed that a retiree can withdraw 4% from their nest egg each year, adjust the amount for inflation, and have it last for 30 years. The 4% rate is pretty much the gold standard when it comes to retirement planning since the Trinity report […]
January can sometimes be a very gloomy month. Aside from frigid temperatures and unpredictable weather, another reason this month might not be going so great for you is because of all the spending you did last month. Overspending during the holidays can really make it difficult on the budget, especially as you try to forge […]
January is well known as the month consumers tighten their proverbial belts and go on spending freezes. But let’s face it: we still spend money. After all, who can resist 75% off Christmas decorations and wrapping paper for next year? Our family, for example, is planning to get a bigger Christmas tree when the holidays […]
