One of the first steps to financial success is writing and sticking to a budget. 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 for everyone…

Financial independence refers to the state of reaching a point of sufficient wealth where one is not required to work full time  —unless they want to — in order to maintain a desired lifestyle. It occurs when people have enough built-up income to pay for necessities, for the remainder of their lives, without an active-income,…

Money is possibly one of the largest sources of stress on a person’s life and in their relationships. In fact, finances are the leading cause of stress and conflict in relationships, according to a recent survey. It is a topic that many Americans avoid and often include in the same category of heavily debated subjects…

Saving money for specific life goals — whether for debts, bills, or future expenses — is a long-term strategy that sometimes requires the assistance of someone with financial expertise, even for the most financially-savvy individuals. Like most things, hiring a professional in a particular field can help achieve optimal results. Enter the financial planner. Before…

For many people in their twenties, learning experiences and financial decisions are plentiful. The transition from college to the professional world takes place during this time, and graduates learn how to support themselves without the help of their parents. It is an exciting time for 20-somethings to be financially independent, but it can also be…

The new year is all about dreaming of new beginnings and setting health, career, and personal goals. Whether you are looking to become healthier and stronger, working to earn a big promotion at work, or trying to get more organized, 2017 brings opportunities for personal growth in many aspects of life. However, when writing your…

Taking time off from work to unwind is important. Around three-quarters of workers report being stressed at work, yet nearly 40 percent of Americans do not plan to use all of their allotted paid vacation time this year. Studies have shown that taking vacation time is good for your body — it can help reduce…

The tax season is soon approaching, and if tax refund figures are similar to 2016, over 100 million U.S. residents could see a tax refund! In fact, according the IRS’s figures compiled after the late filing deadline in October 2016, the average total refund was $2,777 — a 1.8% increase from 2015. We have our…

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 for long periods of time. Sometimes big life changes come along, both planned and unplanned, that require a budget adjustment. Whether you are preparing for…

Possibly the most important factor potential homeowners need to consider during the home-buying process is how to pay for it. Buying a home is typically the largest purchase individuals make in their lifetime, and most people cannot afford to purchase it outright. This is where mortgages come in — but with all the different types…

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