spending strategy

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...

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...

While there are plenty of everyday commodities that are clearly worth their cost, others are open pits for frivolous spending. Unfortunately, thanks in part to successful advertising tactics and societal mentality that new and innovative outweigh tried and true, many people stumble through each...

Retirement may still be a handful of decades away, but thinking long term — over 40 years ahead — can pay off in almost incomprehensible ways. The choices you make while you're still young will have a huge impact on your future. For example, by investing an annual $2,000 for seven...

While savings and budgeting tips abound, there are certain things that — no matter how frugal you want to live — just aren't worth saving the pennies. The main reason being, the cheap options are more than cheap quality; the cheaper quality downright does not justify the lower cost....

While the financial duress of the Millennial generation is widely publicized, the amount of coverage doesn't seem to be doing anything to curb the trend. However, suggesting ways to escape the cycle of living paycheck to paycheck can perhaps be beneficial. While the above infographic was published...

When considering retirement, what typically comes to mind? Where you’ll live? How you’ll afford the lifestyle you want? How you’ll fill your time? What about your physical and mental health? For as much emphasis is put on saving financially for retirement, perhaps one...

Employment has entered the retirement conversation in a new way. No longer does the topic only come up in an adverse existential way or through the negative (“I no longer am employed,” “employment was a part of who I used to be”), but it has become a continuation of the...