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Raise your hand if you have an emergency fund. Okay, to be fair, I can’t see if you raised your hand, but I know a bunch of you reading this didn’t – and not just because you knew I wouldn’t see. Having an emergency fund is a really important part of a solid financial picture. […]

If you’ve been saving for a while or are jumping on the home buying wagon before interest rates rise, there several financial benefits to homeownership to remember when weighing the pros and cons. Building Equity – If you rent, each month you pay your rental costs in exchange for living space and the transaction is […]

Whether you’ve been entertaining the idea of buying a home or have already purchased one, it’s important to be aware of costs beyond the mortgage payment. These seemingly hidden costs can add hundreds to thousands of dollars a year in expenses. 1. HOA – Homeowners Associations can make or break your home owning experience. Find […]

Whether you’re trying to tackle school loans, build up a mortgage down payment, or just trying to stay afloat, side hustles are becoming increasingly common. Getting ahead is incredibly enticing but it’s important to make sure you understand the pros and cons fully, as well as take into account your personal situation and motives. Before […]

Have you ever wondered why credit card interest rates are so high? Or why mortgage rates feel like such a bargain right now? There are reasons behind these differences that primarily have to do with the risk the lender takes in loaning that money out. The three main categories of loans are unsecured, secured and […]

Have you ever been struggling to decide between two options and thought to yourself, “If I choose option A, then I will miss out on the benefit of option B”. Maybe without even realizing it, you were using the principles of opportunity cost to make your decision. Most commonly, opportunity cost is used to refer […]

You work hard for your money and try to make wise financial choices, so trying to choose the right investment for that money may seem overwhelming. Should you choose individual stock, bonds, mutual funds, ETFs, international options, that hot technology fund . . . . if only there was someone that could help sort through […]

Have you ever looked at your credit card bill and thought, ‘How could it possibly be this high? I hardly used my credit card this month’? This is likely due to one of two things. Either your credit card has been stolen (in which case, you should call your credit card company, but then come […]

If you continued your education after high school, then there’s a good chance you have loans to prove it. Most Americans who seek to further their education do so with the help of student loans. If you were lucky enough to have avoided the student loan journey, then this article isn’t for you, but I […]

Friday! You made it! Time to relax and enjoy the weekend. While it’s always good to treat yo’ self, remember there are many things you can do without spending a fortune this weekend. Many of these things require a slight mindset change so that you can focus on activities that are readily available without spending […]