If you’re drowning in bills or struggling to keep up with your credit card payments, take a breath. You’re not powerless, and you’re definitely not alone. Whether you’re behind on payments or just barely keeping up, negotiating with your creditors can help you create financial breathing room and get back on track. So let’s walk … Read more

My husband and I bought a 5-year-old vehicle 7 years ago, a particular make and model with high ratings for both reliability and owner satisfaction that holds its value well. The car has been incredibly dependable — even through a cross-country move a few years back. Recently, however, we’ve noticed an uptick in our vehicle … Read more

Maybe you’re a freelancer or gig worker. Maybe you’re going through a career pivot, or your hours keep changing. Or maybe, like many of us moms, your life just doesn’t look the same month to month and you have an irregular income. If that’s you, budgeting can feel impossible. But here’s the truth: budgeting with … Read more

One of the ways to save money is to buy in bulk, as purchasing multiples of an item when it’s on sale is one way to lower your expenses over time. It’s obvious right? If you have a coupon, or if you have the chance to buy more than one of something at a discount … Read more

When my husband and I were first looking for a venue for our wedding, his family was very persistent that we marry in the local country club where his brother and sister were married to their spouses. When I sat down with the wedding coordinator, my husband, and our families, the number came out to … Read more

Budgeting is often painted as something you do once you “have enough money.” But the truth is, learning how to budget with no money is one of the most powerful skills you can build. I’ve been there, looking at a nearly empty bank account, wondering how to stretch the next dollar. But it was in … Read more

When my in-laws moved to a different state, the real challenge came when we cleaned out their garage and started minimizing stuff for the move. “Where do you want me to start,” I asked my mother-in-law while looking at her very packed garage. She thought for a while and spent a good ten minutes telling … Read more

Have you ever made a purchase you weren’t intending to make? Maybe you saw a beautiful handbag and thought to yourself , “I need that!”. Well, you aren’t alone. This type of purchase is called an impulse purchase. There was a time I walked into a department store to buy a new fragrance I had … Read more

I have no plans of allowing my son to have a cell phone until he’s old enough to drive. I just don’t. Part of my aversion toward children, tweens and young teens carrying cell phones stems from my years of teaching and the fact that I would really like to avoid adding another distraction to … Read more

If the idea of investing makes your eyes glaze over because all you can think about is confusing charts, risky stock tips, and market crashes, you’re not alone. The stock market can feel intimidating, especially when you’re new to managing your money. But here’s the truth: it’s not the only way to grow your wealth. … Read more