Can you rebuild your credit? Yes! I did it after bankruptcy. Here are some clear and practical steps to rebuild your credit and regain financial health (with a little humor to keep the medicine down). Pay every bill on time. Pay by the due date …
Read MoreHappy Mother’s Day
Happy Mother’s Day Happy Mother’s Day! Teaching children good financial habits doesn’t require a finance degree, color-coded spreadsheets, or turning family dinner into an economics lecture. Some of the best money lessons happen during ordinary moments: grocery shopping, planning a birthday party, or explaining why …
Read MoreIncome Stacking
Income stacking is the financial equivalent of a superhero team-up, but with fewer capes and more spreadsheets. Instead of putting all your eggs in one job-shaped basket, you build multiple income streams that high-five each other while your money does push-ups. Picture a salaried job …
Read MoreWhy Are You Broke?
Why are you broke? Being broke isn’t a moral failing, it’s more like getting ambushed by life while your wallet was busy looking for Wi‑Fi. Often it starts with a mismatch. Income that doesn’t cover basic expenses, surprise bills that arrive like unwanted party guests, …
Read MoreIs Now A Good Time To Buy A Home?
Is now a good time to buy a home? Short answer, maybe, like asking if today’s coffee will be strong enough to power your ambitions. National mortgage rates have climbed off historical lows, so monthly payments are higher than they were during the era of …
Read MoreCredit Card Debt
Credit Card Debt Credit card debt is having a moment, and not the fun, TikTok-dance kind. While headlines cheer about cooling inflation or a resilient job market, something quieter is happening. More people are carrying larger credit card balances, and they’re sticking around longer (like …
Read MoreWhy Are Gas Prices So High
I will digress from my normal topics to discuss why are gas prices so high in the U.S. when we pump our own oil? Because domestic drilling doesn’t automatically translate to cheap pumps, the gasoline market has a flair for drama. First, global oil markets …
Read MoreSpend More Money
Spend More Money What do you do if your financial planner tells you to spend more money each month? (Yes, he really did that!) Pause, and maybe hide your piggy bank for a minute. Together, hubby and I were saving about $700/month, and our planner …
Read MoreVibesession
Vibesession Recently, I learned a new term called “vibecession” and I had to learn what it meant and share it. I discovered it’s something I’ve written about before but now it has a name. A personal finance vibesession is a cozy, judgement-free hangout where money …
Read MoreStudent Loans
Student loans and college-costs are concerns for new graduates. Graduating should feel like the start of opportunity, not the moment you discover your diploma is also a very polite bill collector. For many new grads, that post-commencement glow quickly gets photobombed by student debt and …
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