When it comes to saving money, many people feel confident they’ve got it down—skip a few purchases, catch a sale, and voila, instant savings! But saving isn’t always that simple, and a few common misconceptions might actually keep you from reaching your goals. So, why do most people fail to ...
Frugality often gets a bad rap, and it’s easy to see why. Society is full of myths and misconceptions about living a frugal lifestyle, painting it as something negative or extreme. But being frugal doesn’t mean living in deprivation or being cheap—it’s about making smart financial decisions to ...
How to Create a Financial Plan Creating a financial plan is one thing, but making sure that plan is sustainable—one that can grow and adapt with you over time—is a whole other challenge. Life throws curveballs, and a solid plan can keep you grounded, no matter what comes your way. So how do you ...
How to Negotiate a Higher Salary Negotiating a higher salary can be nerve-wracking, but it’s an essential step in advancing your career and ensuring you’re paid what you’re worth. Whether you’re starting a new job or looking for a raise in your current role, knowing how to ...
Debt Snowball vs Avalanche Method If you’re serious about becoming debt-free, you’ve probably heard of the two most popular debt payoff strategies: the snowball method and the avalanche method. Both can help you tackle debt, but understanding how each one works—and which is right ...
Will Banks Let You Skip a Payment? Ever had a month where you could really use a financial breather? Life happens—unexpected expenses, job changes, or health issues can throw even the best-budgeted plans into chaos. Sometimes, skipping a payment might seem like the ideal option. But do banks ...
What to Do If I Can’t Pay My Bills? I can’t pay my bills! Need help! Finding yourself unable to pay your bills can feel overwhelming, but you’re not alone, and there are steps you can take to manage the situation effectively. Whether it’s due to a sudden job loss, ...
How to Stop Being So Anxious About Money (financial anxiety) Financial anxiety can creep up on anyone, no matter how much is in the bank. Worrying about money can spiral into overwhelming thoughts, leaving you stuck in “what-ifs” that prevent you from taking practical steps forward. Here are ...
You’ve heard all the common advice about saving money: cut back on your coffee, make a budget, and stop shopping so much. But if it were really that simple, more people would have growing savings accounts. The truth is, there are often deeper, less obvious reasons why saving money can be ...
How to Save Money and Still Enjoy Life Saving money doesn’t have to mean sacrificing fun. From planning around discounts to using rewards points, these tips can help you save money and still enjoy life. 1. 50/50 Split with Windfalls A simple but effective strategy to save money and still ...