budgeting
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Financial Health Check: 7 Steps to Plan for 2022
Image Credit: krisanapong detraphiphat/Moment/GettyImages This is an excellent time to look at your financial situation and start developing financial goals for 2022. Assessing short-term and long-
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5 Essential Financial Ratios for Personal Finance Management
Image Credit: AndreyPopov/iStock/GettyImages To assess your overall financial health or focus on a specific area, you can use key financial ratios to detect strengths and weaknesses in your persona
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Omicron's Economic Impact: What Businesses & Consumers Need to Know
After some success fighting COVID-19 with vaccines, a new variant, omicron, has emerged and is now rapidly spreading throughout the world.Although omicron is reported to have milder effects than COVID
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Unlock Financial Security: Using Your Credit Report for Improvement
Image Credit: alexsl/iStock/GettyImages If youd like to live a stress-free life that comes with being financially secure, youll need a plan to get there.What does being financially secure mean? It
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Boost Your Financial Future: Understanding & Improving Your Credit Score
Image Credit: GOCMEN/iStock/GettyImages Credit scores have a significant impact on everyones finances. Lenders use credit scores to determine who gets a loan. Insurance companies use credit scores
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Federal Aid Programs in 2022: What's Expired & What's Still Available
Image Credit: photovs/iStock/GettyImages In 2020, the federal government introduced a number of financial aid programs to help lessen the negative economic consequences of the coronavirus pandemic.
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Sapling Financial Health Newsletter: Planning for Financial Success
Image Credit: Leaf Its time to get serious about your finances - as if you were not already serious! Advertisement Still, this is the time of year when we take stock of where we are, where wed l
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Overdraft Fees: Are They Going Away?
Theres nothing worse than that sinking feeling when you discover youve overdrawn your checking account. And to make matters worse, you have an overdraft fee.An overdraft fee happens when theres not en
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Budget Billing for Utilities: A Comprehensive Guide
Image Credit: AndreyPopov/iStock/GettyImages Utility bills can be unpredictable, especially during the warmest and coldest months of the year. Budget billing averages your monthly utility use into
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Check Your Amazon Gift Card Balance: A Simple Guide
When you come across an Amazon gift card in your desk or bag, it can feel like discovering a hidden treasure. But its not always easy to know whether the Amazon gift card is all used up or still has s
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Digital Wallets: A Comprehensive Guide to Usage & Benefits
Image Credit: utah778/iStock/GettyImages Look at your physical wallet. It has credit cards, store discount cards, insurance cards and even gift cards. Everything you need to make a transaction is t
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PCE Increase & Inflation: What You Need to Know
Consumer spending for goods and services represents about two-thirds of the U.S. economy, making it the primary force driving economic growth. Personal consumption expenditures (PCE) is the metric use
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Amazon Prime Price Increase: Is It Still Worth the Cost in 2024?
Image Credit: OsakaWayne Studios/Moment/GettyImages Amazon Prime membership is about to increase by $20, bringing the annual cost to $139 per year. For Prime members who have held a subscription
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CPI Jump: Understanding the Impact on Your Budget
Image Credit: Nastassia Samal/iStock/GettyImages Inflation is a subtle force that lessens the value of your income over time. Economists at the U.S. Federal Reserve Bank consider 2 percent inflat
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Understanding Rising Rents: What Renters Need to Know
Image Credit: Ekaterina79/iStock/GettyImages Rental prices, along with everything else, continue to climb in 2022. In the early days of the pandemic, a record number of renters left major cities fo
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Mastering Personal Finance in the Digital Age: Tips & Strategies
Image Credit: Andriy Onufriyenko/Moment/GettyImages Between online banking and digital budgeting apps, money management and tracking personal finances is easier than ever in todays digital age. But
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Inflation-Proof Your Budget: Strategies for Rising Costs
Image Credit: fizkes/iStock/GettyImages Budgeting and managing personal finances are difficult enough without pandemic-induced inflation bearing down on you. In January, the Bureau of Labor Statist
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Top Black Finance Influencers: Expert Advice on Saving, Investing & More
The three Black finance influencers we spoke with use their personal experience, identity, education and expertise to offer information and educational resources on saving, budgeting, investing, retir
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Rising Wedding Costs: What Couples Need to Know
Image Credit: Lion Shoshan / EyeEm/EyeEm/GettyImages As pandemic restrictions lift, more couples than ever are turning their attention to walking down the aisle. But theres a price for all that wed
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Federal Reserve Interest Rate Hike: What to Expect and Its Impact
Image Credit: ThitareeSarmkasat/iStock/GettyImages Demand for goods and services has increased as the U.S. economy has picked up steam after the pandemic. When this increase in demand is coupled wi
budgeting
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FSBO vs. Real Estate Agent: Which is Best for Selling Your Home?(This page may contain affiliate links and we may earn fees from qualifying purchases at no additional cost to you. See our Disclosure for more info.) If you’re thinking about selling your home, yo...
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Debt Freedom Story: How a Couple Eliminated $110K in DebtToday, we share the story of how Aja McClanahan and her husband paid off over $100k in debt and built a new life for their family. How did you acquire $110,000 in debt? What did that debt consis...
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Healthcare Sharing Ministries vs. Obamacare: A Personal ExperienceA few months ago, I shared about how to survive without health insurance. To recap, I belong to a healthcare sharing ministry (HSM) called Christian Healthcare Ministries (CHM), just one of sever...
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Side Hustle Reality Check: 4 Things to Consider Before You StartImprove your money smarts with small changes that lead to big gains. by Kevin Sun Thinking through a side hustle before you start is much better than facing a personal and financial reali...