Is Better to Earn More or Budget?

Have you ever thought to yourself whether it would be better for your money to earn more or to be more serious about budgeting? Though I’m sure most people would think that their budget would take care of itself if they simply had a higher salary, I think some good arguments could be made either... Continue Reading →

11 Ways Parents Can Plan to Pay for College

Parents who are planning to help put their children through college have a big task on their hands. Not only does the average price of a full year of college in-state and with room and board currently cost approximately $25,487 per year, but they'll also have to balance other competing financial priorities like saving for... Continue Reading →

How to Avoid Impulse Spending

Have you ever noticed how difficult it is to walk into a store and come back out without buying something? Or maybe you find yourself endlessly browsing shopping sites like Amazon, eBay, or your favorite retailer even though there’s nothing you really need. These situations are completely normal. Studies have shown that over 95 percent... Continue Reading →

How Much Should I Be Saving in My 20s?

When you're young and in your 20s, saving your money is the last thing on your mind. For many people, this is the first time they've ever had a professional job and are earning "real money" from something other than a part-time summer job. Their first impulse might be to spend it on something fun... Continue Reading →

What is Zero-Based Budgeting?

Have you tried budgeting but felt like it wasn’t hitting all of your goals? Traditional methods are intended to help you realize where all your money is going and to get your spending under control. But what if you have bigger aspirations like paying off your debt or saving for retirement? Perhaps what you need... Continue Reading →

How to Build Up an Emergency Fund

What would you do if you suddenly were faced with a major expense like a $1,000+ car repair or the roof started to leak? Or what about if another pandemic were to strike and put you out of work indefinitely? According to a nationwide poll by Bankrate, fewer than 4 in 10 Americans have enough... Continue Reading →

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