Net Worth: What It Is and How To Calculate It

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Net Worth: What It Is and How To Calculate It

Discover the importance of understanding your net worth and how it can impact your financial health. In our comprehensive guide, we delve into why net worth matters, how to calculate it, and the tools you can use to track and improve it over time. Learn actionable tips to manage debts, increase assets, and plan strategically for different stages of life. Whether you're just starting out or gearing up for retirement, understanding your net worth is essential for making informed financial decisions.

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Value-Based Budgeting: Your Guide to Purposeful Spending

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Value-Based Budgeting: Your Guide to Purposeful Spending

Value-Based Budgeting is a personalized financial planning method that prioritizes spending on what truly matters to you, aligning your expenses with your deepest values and life goals. Learn how this approach can lead to increased financial satisfaction, reduced waste, and enhanced achievement of your dreams. Discover practical steps to implement Value-Based Budgeting, ensuring every dollar you spend enriches your life in meaningful ways. Whether you're saving for a dream vacation or investing in your education, find out how making value-driven financial decisions can lead to a richer, more fulfilling life.

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Mint Budgeting App Shutting Down

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Mint Budgeting App Shutting Down

The Mint Budgeting App is waving goodbye, and it's time for us to find a new money-tracking pal. It’s like changing cars; we gotta make sure the new one fits just right. Before Mint clocks out, let’s grab our money info from it and then hit the app store to test drive some new budgeting apps. It’s a big ol’ digital playground out there with lots of apps ready to help us keep our dollars and cents in check. By taking a few for a spin, we’ll find which one clicks with us the best. And hey, while Mint was a cool companion, there's a whole world of budget buddies out there waiting to help us stay on the money-saving track!

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Term Life Insurance vs. Whole Life Insurance – What’s Best for You?

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Term Life Insurance vs. Whole Life Insurance – What’s Best for You?

Have no idea how life insurance works? Or are you caught in the life insurance limbo, unsure whether to pick Term or Whole Life? It's like choosing between a red or a nude lipstick—both are fabulous but serve different moods! Here’s a breakdown, the ins, outs, and in-betweens of Term and Whole Life Insurance, so you can make a choice that's as informed as you are fabulous. Whether you’re a newbie momma, a savvy career woman, or looking at retirement down the line, find out which insurance policy will help you live your best life, worry-free!

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How to Save on Autopilot: Setting Your Savings on Cruise Control

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How to Save on Autopilot: Setting Your Savings on Cruise Control

Saving money is an essential aspect of personal finance that can help you achieve your financial goals and secure your future. However, many people struggle with saving consistently due to various reasons such as lack of discipline or a tight budget. In such cases, automating your savings can be a game-changer.

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The Best Budgeting Apps for 2023

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The Best Budgeting Apps for 2023

Struggling to keep your dollars in check? Discover the top 5 budgeting apps for 2023 that help you manage everything from groceries to getaways. Whether you have an Android or an iPhone, these apps have got your financial back.

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Credit Reports 101 

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Credit Reports 101 

Credit reports are an important tool for understanding your financial situation. They provide a snapshot of your credit history, including all of the accounts you have open and how you manage them. Understanding how credit reports work can help you make better decisions about borrowing and managing debt. Credit reports can also help you protect yourself against identity theft and fraud. In this article, I’ll explain the basics of credit reports, including what information they contain, what information it doesn’t contain, why you should get a copy of your credit report, and how to get a copy of your credit report.

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Why Co-Signing Is NEVER a Good Idea and How To Get Out Of It

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Why Co-Signing Is NEVER a Good Idea and How To Get Out Of It

Has a family member or friend ever asked you to co-sign for them and you either considered saying yes or actually said yes and went through with it? Well if you are considering co-signing for someone, I'm going to tell you why you should NEVER co-sign for anyone and teach you some easy and creative ways to say "NO". Now, don’t be discouraged, if you said yes and went through with it, I'm going to tell you how you can get your name off someone else's loan and why you should NEVER do it again.

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What Is Buy Now, Pay Later? How does it work?

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What Is Buy Now, Pay Later? How does it work?

Seeing an item you want but not having the cash to buy it can be frustrating. But, Buy Now, Pay Later programs put those days behind you, allowing you to spread the payments out for the item. You’ll likely see advertisements for this option in-store and online, so it’s important to know how it works. Here’s everything you must know about the program and how it works.

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6 Ways to Hurt your Credit Score

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6 Ways to Hurt your Credit Score

Your credit score is important for many instances in your life and is made up of years of credit history. You can’t make up a good credit history overnight, but you can quickly hurt your credit score if you aren’t careful. Here are six ways you can hurt your credit score and how you can avoid it.

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HSA vs FSA: Which One Should You Choose?

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HSA vs FSA: Which One Should You Choose?

Did you know the money you save for healthcare can also save you money on taxes? Health Savings Accounts and Flexible Savings Accounts are two options to lower your tax liabilities and help you pay your medical expenses. While HSAs and FSAs have many similarities, there are differences too. You’ll qualify for one or the other, but not both.

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FICO vs. FAKO (Vantage) Credit Scores – What You Must Know

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FICO vs. FAKO (Vantage) Credit Scores – What You Must Know

If you’re even partially interested in your credit score and you live anywhere on social media, you’ve likely heard a lot of debate between FICO vs. FAKO credit scores. While these terms correspond to your credit score, there is more to know about them because they are vastly different.

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Beginner's Guide to US Savings Bonds

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Beginner's Guide to US Savings Bonds

US savings bonds are known to be a very safe investment, but tend to have lower rates. However, if you’ve been watching the news and blogs, as of this year the rate for a Series I Bond is at 9.62% until October 28, 2022. To take advantage of this rate, you must complete your purchase of this bond on the Treasury Direct website by October 28, 2022.

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Should I Refinance My Mortgage?

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Should I Refinance My Mortgage?

Right now interest rates are super high, but that isn’t stopping people from purchasing homes. I need you to remember, what goes up, must come down. When the interest rates starts plummeting, you’re going to see a lot of people talking about refinancing, but does that mean you should refinance? At what point should you do it? It's not always obvious because getting a new loan isn't free. There are costs that must be absorbed by the homeowner.

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Help! My Tax Refund Deposited Into the Wrong Account!

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Help! My Tax Refund Deposited Into the Wrong Account!

80% of Americans get their tax refund direct deposited into their bank account. It’s the easiest, quickest, and safest way to get your tax refund. But what if you gave the IRS the wrong routing and bank account number, or if the account they have on file for you is now closed? Here’s what to do if your tax refund is being deposited into the wrong account.

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The 10 Day Family Savings Challenge⁣

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The 10 Day Family Savings Challenge⁣

A great life skill to teach your kids is how to save money. The things you teach them about money will stay with them for life, so it’s important to teach them all that you can at an age-appropriate level. And what better way to strengthen your family’s bond than to save as a family. Let’s make saving a family tradition by setting a yearly goal and making a plan to reach it. It all starts with a conversation! ⁣Take the 10 Day Family Savings Challenge so you can not only save money but encourage money conversations! ⁣

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