personal-finance

When money’s tight, whether you’re paying off debt or saving for a big purchase, cutting back on non-essentials is key. Often, this means hobbies and fun activities are the first to go. But hobbies are vital for our mental and emotional health—they keep us refreshed and energized. Sure, clearing debt feels great, but you don’t …

When you’re thinking about leasing a car, keep in mind two main expenses: monthly car payments and auto insurance premiums. Even if your budget is tight, it’s important to set aside money for these costs every month, so you don’t risk losing your car. **MANAGING CAR COSTS** Dealing with extra financial responsibilities can be frustrating, …

In my last discussion, I talked about why it’s important to have both emergency and retirement savings accounts. You might wonder why you need multiple accounts—it’s actually quite simple. Having separate accounts lets you set clear goals and easily track your progress. For example, if you’re using just one savings account for vacations, emergencies, or …

A recent survey conducted in February 2022 on Teens & Personal Finance found that over half of the teenagers surveyed (54%) felt unprepared for the financial challenges they’ll face as adults. The growing cost of higher education also influenced 69% of respondents to reconsider pursuing college. The study highlighted another concern: 41% of teens reported …

Are you struggling with debt? If so, don’t worry—you’re not alone. Many people have faced or are currently facing similar financial challenges. It can feel like an endless battle, leaving you discouraged and overwhelmed. The ebook “Debt Heroes,” written by Ben Edwards and Jeff Rose, shares the successful journeys of 21 individuals who eliminated debt …

If you have a pet, you probably care a lot about their health and happiness. Pet owners are known for going above and beyond for their furry friends, which is something veterinarians understand quite well. Have you ever felt like you might need to take out a loan to pay for your pet’s medical bills? …

Spring break is a perfect time for a family getaway, and you don’t have to spend a fortune to make it memorable. If you’re wondering how to have a budget-friendly and fun spring break with your family, here are some tips to help you out! There are plenty of affordable vacation options that allow your …

Holidays are about more than just swapping gifts; they’re about spending time with the people we care about. So, how can you enjoy the festive season without focusing on presents? Holidays are a time for joy and festive activities. While giving gifts is a traditional part of the season, the real joy comes from spending …

When you ask millennials whether they think they’re facing tougher challenges than the previous generation, most of them would agree. Being part of this generation, it often feels like the odds are stacked against you. Tasks that seemed simple for your parents or grandparents now appear almost impossible, making it hard to stay optimistic. While …

Saving money can be tough, especially if you’re tight on cash, but it pays off in the end. Having a good chunk of savings can act like a safety net during tough times or unexpected emergencies. Today, we’ll take a look at some saving techniques that can help you reach your financial goals. Why is …