Cash Stuffing vs. Digital Budgeting What is cash stuffing vs. digital budgeting? Have you even heard those terms before? Cash stuffing is also referred to as the envelop method. It actually uses envelopes for things like groceries, gas, fun money, and savings. You put your …
Read MoreRebuilding Your Credit
Rebuilding Your Credit Is it possible to rebuild your credit after you’ve damaged it? Absolutely! I did it! If you do the right things and are consistent, you can definitely fix your mistakes and restore your financial reputation. Check your credit reports. Experian, Equifax, and …
Read MoreCredit Card Rewards
Credit Card Rewards When are credit card rewards worth it and when are they a gimmick? Credit card rewards seem like gifted money. Everywhere you look, credit cards are offering miles, points, cashback, and bonuses to sign up. The bottom line is being aware of …
Read MoreBuy Now Pay Later – Part 2
Buy Now Pay Later – Part 2 What’s the real truth about buy now, pay later (BNPL) plans? I wanted to discuss this because I actually did this once in the beginning of my journey. What’s good about BNPL. Most plans split your plan up …
Read MoreFinancial Literacy – Part 2
Financial Literacy – Part 2 What exactly is financial literacy? You hear that term talked about but do you know what it really means? It’s simply a guide to understanding money and one of the most important skills you can have. Unfortunately, most people never …
Read MorePsychology of Money
Psychology of Money Have you thought about the psychology of money and why we purchase stuff we don’t need? We tend to squander money illogically because we’re emotional beings. Then, we try to explain our actions with logic. Remember, when we shop, our brains give …
Read MoreThe $100 Rule
The $100 Rule Have you ever heard of the $100 rule? It’s basically a rule for when you get unexpected money. Does that ever happen? Yes! Unexpected money could be a bonus, gift, tax refund, lottery money, etc. And when you do get unanticipated cash, …
Read MoreRefinance Your Mortgage
Refinance Your Mortgage Mortgage rates are coming down so when does it make sense to refinance your mortgage? There are several reasons to refinance, but most commonly, it’s to get a lower interest rate. In my book, I talk about how I refinanced twice. Because …
Read MoreLottery Winners
Lottery Winner I don’t know how many people have won the lottery. But a good number of the lottery winners don’t end up as happy as they thought they would be. Why? Well, they’re certainly happy in the short term. They get a big check …
Read MoreCredit
Credit I talk a lot about credit but do you really know what credit is? Credit is usually referred to as the capacity to borrow money. It’s also the ability to obtain goods and/or services now and to pay for them at a later date. …
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