Budgeting tips for recent college graduates

‘Retail Therapy’ is deemed as the act of shopping for the primary purpose of improving one’s mood. If you go on to research the psychology behind the not-so-recent trend, you’ll need a plethora of experts who claim there’s actually some truth to it all. It’s quite normal for tension to arise from our everyday lives,…

Woman using personal finance apps

In today’s tech-savvy environment, it doesn’t take much effort to find that there is an app for everything. Whether you want to edit a photo to post on Instagram, read a book from your phone, or track your food intake and workouts, there are so many tasks you can accomplish with just a few taps…

African American man indulging in retail therapy

A wise blogger at Forbes recently said, “The road to bankruptcy is paved with good deals.” Think about it. Each of us has a favorite store, accessories, tech goods, or some other non-essential item that is either just a little too pricey or is simply out of our budget…that is, until a sale hits —…

man showing women budgeting using the 50/20/30 rule

One of the first steps to financial success is learning how to budget and sticking with it. Setting up a budget provides visibility and control over personal finances, allowing individuals to track how much they are spending and where and helping them avoid frivolous spending by staying within set limits. However, traditional budgets are not…

One of the most challenging things about setting financial goals is managing two short-term goals at once. What should you do if one of your goals is to pay down debt as quickly as possible, but you want to build an emergency fund or save for a down payment on a home as well? If…

The holiday season is the most wonderful time of the year — for everything except your wallet. With the average American spending $752 on holiday gifts and existing utility bills increasing as temperatures start to drop, the winter months can challenge even the most budget-conscious individuals. Luckily, there are several things you can do to…

A monthly budget is not always one-size-fits-all. You may find a budget that works perfectly for a little while, but your financial situation is not likely to stay the same. Big life changes can come along, both planned and unplanned, that require a budget adjustment. Whether preparing for a new baby, saving for a down…

cash from cash envelope budget system

What if you were told you could save money by using cash instead of credit and debit cards? Until the relatively recent advent of plastic cards, most individuals used cash for their purchases. While modern consumers love the convenience, perks, and limited liability of cards, studies have shown that credit card users spend more money,…

The holiday season is upon us, as is the most popular time of the year to get engaged. Getting engaged is often one of the most memorable events in a couple’s life — but it can be pricey. Society’s expectations for engagement rings have become more expensive every year: larger diamonds, designer jewelers, and the…

It is officially November, which means it is the beginning of the most wonderful time of the year — the holiday season! It is also the season of giving, and while you want to spread the holiday cheer, showering your loved ones with gifts in the week leading up to the holidays is not easy…

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