A line of credit is a flexible funding solution that allows you to tap into funds on an as-needed basis. Depending on your situation, a line of credit can offer much-needed access to cash ..read more

It’s no secret that college is expensive, and the costs seem to continue rising without an end in sight. The increasing cost of college has far ..read more

I’m going to let you in on a secret. Most people aren’t bad at handling their money. Most people are bad at handling their emotions about money. When you can hone in on your emotions, your finances fall into line ..read more

Personal loans have grown in popularity over the years. As more Americans take out personal loans, many households are adding another monthly payment to their budgets. While an unsecured personal loan offers a flexible way to cover any number of expenses, taking on another loan can lead to more financial strain. We will explore statistics about U.S. personal loans, why Americans might be turning to these loans, and the process of getting a personal loan. Additionally, I will share ways you can work with your finances to avoid taking out a personal loan. Americans Are Taking Out More Personal L ..read more

Whether you got a bonus at work or won the lottery, a financial windfall is always welcome. After all, who doesn’t love when extra funds hit their bank account? What you do with those funds can have a big impact on your financial situation. If you want to use your financial windfall in a positive way, you are in the right place. We explore the steps you can take to improve your financial situation after receiving a windfall of any kind. What Is a Financial Windfall? A financial windfall refers to a substantial and unexpected influx of money. Unlike regular income, which is earned through consi ..read more

On the surface, money myths might seem relatively harmless. However, money myths can cause significant financial damage if you follow through on the ideas. As you navigate your own financial situation, it’s helpful to understand which often-repeated money ideas are actually just myths. We will debunk several money myths today and explore how you can avoid falling into the trap of money myths. What Are Money Myths? Money myths are commonly held beliefs about finances that are simply not true. Just because you’ve heard advice repeated by family and friends, that doesn’t make the information true ..read more

Limiting beliefs are beliefs that keep you from doing something. Some limiting beliefs are helpful because they keep you safe (e.g. you believe you can’t fly, so you don’t jump off a cliff). But often, they stem from maladaptive narratives we tell ourselves and are a detriment to our success. How Limiting Beliefs Harm Us Limiting beliefs harm us because they hold us back from being the best version of ourselves. You might think “I’m bad with money” and continue to be bad with money because your belief precipitates your attitude. It becomes a vicious cycle if you don’t deploy strategies to brea ..read more

Credit card debt is common. Many households are facing a growing credit card balance. But this type of debt, with notoriously high interest rates, is one of the hardest to climb out of. Once you slide into credit card debt, it can be difficult to pull yourself back out. If you want to avoid taking on credit card debt, it will require some thoughtful strategies. The good news is that it’s entirely possible to avoid taking on this type of debt. We will explore why credit card balances are growing, how these balances grow, and how you can stay out of credit card debt. Credit Card Balances Are Cli ..read more

What Is a Budget? A budget is a tool that you use to manage your money. Usually, a budget is balanced between income and expenses so that you know where all your money is going. Some budgets are short term, like if you’re saving for something like a new computer, and some are longer term, like if you plan to buy a house. Either way, they help you achieve your financial goals and protect you from financial stress. It doesn’t matter how you choose to budget, but you do want to make a budget (and stick to it, which is the hard part). You could list out all your expenditures separately and budget ..read more

One of the most distressing problems in America today is people living without roofs over their heads. In major cities, you see it all the time. And there are half a million people who are homeless living in America, with 30% of those people living in California. However, knowing the factors that lead to homelessness can help you avoid becoming homeless. If you’re struggling to make ends meet, know that you are not alone. More than half of Americans cannot afford a $400 emergency. They’re one disaster away from becoming homeless. But with proper money management and good support systems, you c ..read more