finance
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Navient Student Loan Refinancing: Is It Right for You?
If you are looking for Navient refinance options for your student loans, keep reading! We’ll be sharing key information to determine if refinancing your Navient studen
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Mortgage Proof of Funds: What Lenders Require & How to Prepare
Buying a home is an exciting prospect. It can represent a big step in your finances and a new chapter for your life. Although the home buying process is worth the effort
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Financial Record Retention: A Comprehensive Guide
This post contains some affiliate links from brands we trust that help us grow Clever Girl Finance! Please see our disclosures for more information. Ever wondered how lo
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Identity Theft Recovery: A Comprehensive Guide to Protect Yourself
Knowing what to do if your identity is stolen is extremely important. In todays world, it seems like every few months, there is a news report about a security breach.
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Budget-Friendly Staycation Ideas: Recharge Without Breaking the Bank
Youve worked hard and hit your goals non-stop. Now youre ready for a vacation. If thats you, theres no better way to recharge that some good old time off. However, the r
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Check Cashing Options: Find Low-Cost & Free Places Near You
Before the universal use of credit cards, checks were the go-to choice. Although many businesses no longer accept checks, they’re still a fairly common way to send and e
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Top 56 Self-Help Books for Women: Personal Growth & Empowerment
Lets talk about the best self-help books for women and more! I’m an avid book reader and proud to say that reading has changed my life overall including my finances. A
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21 Age-Appropriate Ways for Kids to Earn Money & Learn Financial Literacy
Lets talk about some easy ways to make money for kids. Life is expensive when you have kids! Not only do they want the latest (and coolest!) items on the market, they al
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Mortgage Pre-Qualification: A Guide to Getting Approved
A home purchase is an exciting step in your personal journey. Although it can be a fun time in your life, you’ll also need to accept that there is a lot of paperwork inv
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Powerful Financial Affirmations to Achieve Your Goals
In a world full of tempting splurges, financial affirmations can help you stay on the right track. Without a constant reminder of your financial goals, it can be difficu
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Achieve Career Growth: Setting Effective Professional Development Goals
As a career-oriented, achievement-focused woman, you’re probably accustomed to setting and reaching your goals. Whether your goal is to land a dream job, earn an advance
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Lost Wallet? Immediate Steps to Protect Yourself
We all know that pit in your stomach feeling when losing a wallet. The more you carry, the worse off you are. Your credit cards, debit cards, checkbooks, drivers license
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Empowering Financial Futures: 11 Personal Finance Books by Black Women
When it comes to personal finance education, representation matters. That’s why we’ve put together a comprehensive list of must-read personal finance books by black wo
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Escape the Paycheck-to-Paycheck Cycle: Financial Freedom Strategies
If you were to miss a paycheck from your employer today, would you still be able to cover your financial obligations? The unfortunate reality is that 78% percent of Amer
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Fair Rent Sharing: A Guide for Roommates
Youre about to move into your new digs. Congrats! Youve found an affordable apartment, a roommate and youre figuring out how to split the chores. But before you go too c
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Master Self-Discipline: 7 Simple Habits for Greater Control
Becoming a master of self-discipline is difficult. I mean, even becoming a self-discipline apprentice is hard! In fact, knowing more about self-discipline is an age-old
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Buying a Home with Poor Credit: A Step-by-Step Guide
If you’re looking to get out of renting and plant roots for a while, buying a home can be a great move for your life and finances. However, if you’re still working on fi
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Achieve Your Financial Goals: 6 Common Mistakes to Avoid
You’ve taken the time to set your money goals. But how do you make sure you’re on track to achieve them? These things are the reason millions of people never achieve the
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Understanding Bankruptcy Options & Alternatives | Financial Recovery
Personal bankruptcy is often the last resort option after an individual has gone through difficult financial circumstances. Typically, the assumption is that bankruptcy
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How to Buy Pre-Owned Designer Bags: A Comprehensive Guide
In the market to purchase a pre-owned designer bag? Great choice. Designer handbags can be great wardrobe investments. How about purchasing pre-owned designer handbags
finance
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Operating Ratio: Definition, Calculation & ImportanceThe operating ratio is a measure of efficiency that is used by management to determine day-to-day operational performance. This metric compares operating expenses, also known as OPEX, to net sales. Th...
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Costco's 'Try Before You Buy' Perk: Reduce Food Waste & Save MoneyIt's a fun one, too. ...
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Required Minimum Distributions (RMDs): 2021 IRS Table & GuideThe Internal Revenue Service (IRS) lets you put money into a traditional IRA and defer taxes on your contribution and any investment gains all through your career. But this situation doesn’t l...
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Understanding Income Tax Payable: A Guide for BusinessesIncome tax payable is a term given to a business organization’s tax liability to the government where it operates. The amount of liability will be based on its profitability during a given perio...