One of the cornerstones of good personal finances is to have some sort of backup plan available, just in case you run into unexpected financial problems. We often refer to this type of backup plan as an emergency fund or a rainy day fund. For many of us, these are the same thing. However, it could … Read more

Did you know you can only contribute a certain amount to a 401k per year? The biggest benefit of maxing out your 401k is the chance to save more money for retirement. If you are already making some contributions, you might start to wonder: should I max out my 401k? Well, keep reading. The 2023 … Read more

Saving for college expenses can be difficult and takes a lot of time. Many choose to save through a 529 plan to make the process easier. But is a 529 plan worth it? And is it a good idea for you? Most American parents aim to save just over $55,000 for their children’s college expenses, … Read more

If you’re feeling unorganized, chaotic, and frazzled, we have a 30-day minimalism challenge that may help you change your life! One day at a time, you’ll make small changes that help you realize what’s important in your life and what you can let go of. But before we get into the 30-day minimalist challenge, we’re going to explain what … Read more

Job hunters often fixate on salary when looking for a job. Well duh right? If I don’t work for pay, then what’s the point? Income, after all, is a very important piece of your financial puzzle. However, the reality is that salary isn’t everything. Sometimes good benefits are worth a little bit of a salary … Read more

A cash envelope system is a useful budgeting tool for anyone that needs a visual budget to stay on track. Not only will this method help ensure your spending is controlled, but it has also been shown that cash envelope budgeting may lead to spending less money! Although the envelope money system will not work … Read more

Are you looking for tips on how to declutter paperwork? You are in the right place! Individually, paper doesn’t take up a lot of space, but once you start accumulating more and more of it, it can begin to feel overwhelming. Do you waste time searching through paper piles and old bills? Sorting paper, looking … Read more

We focus on stocks and bonds when we think of investing most of the time, but we often forget that it’s also possible to invest in ourselves. An investment in yourself can offer very good returns, as long as you are wise with your investment. I’ve been in exploratory mode this year. I’m trying to … Read more

Do you want to learn how to get paid to take pictures? Have you ever taken a photo and thought to yourself, “How do I get paid for taking pictures? This is my dream job!” Guess what? You can make it a reality! There’s a growing demand for photos, and you can make money with … Read more

I’m always looking for new ways to curb my spending, save money, earn freebies, and ultimately, live a more frugal lifestyle. This has especially meant becoming more careful about my purchases over the last few years. Looking back, I’m painfully aware of the money I’ve wasted: Impulse purchases that weren’t accounted for in my budget … Read more