Smart Coupons Lower Grocery Bills Smart couponing can lower your grocery bills. Coupons can feel like a mystery until you build a simple routine. The key is to understand how your store applies them, match them to the right items, and avoid the most common …
Read MoreCouponing Isn’t Dead
Couponing Isn’t Dead I’m about to start a multi-day series on couponing. Couponing isn’t dead. Years ago, TV introduced us to “extreme couponing,” where people somehow walked out with three shopping carts of groceries and a receipt that looked like the store owed THEM money. …
Read MoreCash Management
Cash Management Cash management isn’t just “keeping money somewhere safe”, it’s deciding how to earn yield while staying ready for life’s next expense. Yield hunting is the modern version of that… putting idle cash into instruments that pay interest, generally with short time horizons and …
Read MoreOn Vacation
On Vacation I will be out of town on vacation and not posting for about the next two weeks. Please read some of my older posts either on Instagram (https://www.instagram.com/leah_cohen348/), Facebook (https://www.facebook.com/profile.php?id=61561515112733) or my website’s blog page (https://leah-cohen.com/leahs-blog/). And, just in case you’re curious, I …
Read MoreSmart Charitable Giving Strategies for 2026
Smart Charitable Giving Strategies for 2026 2026 brings meaningful tax-rule changes that affect charitable giving. New limits and deduction rules mean donors should be more strategic to maximize tax benefits while supporting causes they care about. Growth in the standard deduction has reduced the number …
Read MorePersonal Debt Decisions
Personal debt decisions, whether to refinance, aggressively pay down credit-card balances, or invest, are intensely rate-sensitive in 2026. Start by listing all debts, balances, interest rates, and minimum payments. Prioritize high-rate debt first. Credit-card APRs and payday loans are usually the top targets because their …
Read MoreWhy I Prefer A Human Advisor Over AI
Why I Prefer A Human Advisor Over AI I prefer a human advisor over AI-driven investing and robo-advisors for several practical reasons tied to trust, judgment, and life complexity. Humans provide nuanced, holistic advice that algorithms often miss. A human advisor asks probing questions about …
Read MorePay Cash For Vacation
Taking a vacation can recharge you without sacrificing financial stability but only if you plan to pay cash. Prioritize short-term happiness while keeping long-term goals intact. Why does paying cash help? Saving for a trip avoids interest, fees, and repayment stress. It keeps your budget …
Read MoreShould You Withdraw From A 401(k) To Pay Off Debt
Withdrawing from a 401(k) to pay off debt is tempting, quick cash, instant relief, and instant regret. Before you turn your retirement into a one-way ATM, remember that withdrawals before age 59½ typically incur a 10% early withdrawal penalty plus ordinary income tax on the …
Read MoreStudent Loan Policy
Student Loan Policy Student loan policy keeps changing, so picking the right repayment path matters. Recent forgiveness updates have narrowed some programs but expanded targeted relief for specific borrower groups. Check eligibility windows and documentation requirements carefully. If you qualify for any forgiveness route, public …
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