Budgeting

Have you ever caught yourself scratching your head, wondering where all your hard-earned money vanished by month’s end? You’re certainly not alone. A survey conducted by Payroll.org in 2023 tells us that 78% of Americans live paycheck to paycheck. This suggests that more than a third of...

A new generation of Millennials is graduating from college and entering the workforce in one of the most difficult investing environments in history. If you now find yourself with excess cash for the first time in history, deciding whether to invest or save is a tough decision these days. Interest...

The back half of winter generally marks the time when most people who experience the dregs of the season begin longing for warm weather and some more daylight. But even if you live in a region where winter doesn't hit the thermometer quite as hard, now is the time that preliminary summer plans...

Starting anything from scratch is rarely a simple proposition, and knuckling down to implement a budget can be enough send anyone's nerves into overdrive. Tackling your finances can seem like complex and arduous process if you don't have any prior experience managing your money. But...

It’s finally here. Christmas and Hanukkah are just days away in what has been a tumultuous year for many, strife with economic volatility and negative sentiments. However, for the first time in millennials’ lifetimes, Christmas and Hanukkah overlap. Serendipitously, perhaps, in a...

Whether or not your New Year's resolution is to save more money, it is important for millennials to consider how saving now will improve their future. Yes, retirement can be attainable, and here's how to get there: Consider what you spend the most on and, of those expenditures, what can...

Financial planning for the future is anxiety-inducing in and of itself, but saving money for unexpected events, like vital car repairs, a prolonged job hunt or emergency hospitalization, will definitely put you out of the mood for weekly dinner and drinks at your favorite restaurant. The impulse...

Whether you are a millennial, retiree or someone somewhere in the middle, the year's end can do some serious damage to your finances. While the concerns are cross-generational, there are certain things more applicable in December depending on your age. As the year winds down, many Americans stress...

Millennials have a reputation for being "stingy," "cheap" and too financially risk-adverse. However, despite the negative stereotypes, what is often underappreciated about the generation is its ability to be frugal in a way that secures a financial future. It may not be the...

For an event so universal no person in recent history has escaped it, death remains one of the most shrouded, taboo and euphemized issues. Couple that with the "impolite" conversation topic of finances, the negative reputation the funeral industry has received and the rampant emotions...

Being productive does not have to be a massive undertaking. Quite counterintuitively, small steps often pave the way toward greater, more permanent change than massive, sweeping strides. Just as habitual psychology suggests making small changes slowly as opposed to embarking on an immediate 180...

It's amazing the allure of ignorance. People gravitate toward a life of "winging it" to escape the realities of the necessity of budgeting. Whether you make bank or barely enough to eke by every month, escapism is a Band-Aid that just delays the festering. It doesn't prevent...

From Sunday School classes to middle school counselor-led assemblies, employee workshops to in-services and retreats, the lessons of humility have been pounded into the majority of American society's subconscious at all stages of life. However, once the conferences are over, the retreats long left...

While the reasons vary and debt in and of itself is not an indicator of a person's character, cyclical debt is highly problematic. Unlike a single instance of debilitating debt caused by inexplicable bad fortune, cyclical debt is the yo-yo dieting of the financial realm. Individuals make poor money...

"Saturday Night Live," the iconic late-night comedic sketch broadcast, has been garnering audiences' attention for decades. And, the appeal far exceeds slapstick humor or boarder-line inappropriate shtick. Comedians get away with brutal honesty veiled in humor, while others couldn't hope to express...