Student Loans: Good Debt or Bad Debt? 

Student loan debt is some of the most common debt out there. It’s no surprise given that the average cost of tuition for a four-year undergraduate education, in-state mind you, is around $25,000 a year. That amount of money is more than most people have in extra, unallocated annual income. As of June 2018, Forbes reported that total US [...]

May 22nd, 2019|Debt|

A Strategy for Getting Current on Past Due Bills

There are times you may find yourself behind on bills. Maybe life has thrown you a curveball you didn’t see coming or maybe you flat out missed a payment and didn’t realize it until you received a notice in the mail. If that happens, for whatever reason, here is the best way to help you get current on past [...]

May 8th, 2019|Debt, Strategize|

Why I Hate the Three Month Emergency Fund Rule

There are a few tried-and-true money rules that I flat out do not agree with. They sound like good advice, but they rarely work or play out in real life as people expect. The three-months’ emergency fund rule is one of them. What Is the Three Month Emergency Fund Rule It’s a rule that says you should have in [...]

April 16th, 2019|Save, Strategize|

Follow the 90-10 Rule When it Comes to Your Tax Refund

We have great intentions. We want to go to the gym more, eat better, get more sleep, and do all the things that we know are good for us. This line of thinking applies to our tax refund too. Did you know: 84% of Americans intend to use their tax refund to pay down debt, increase their savings or [...]

April 3rd, 2019|Financial Coaching, Save, Strategize|

Budgeting for Maternity Leave – What to Expect When You’re Expecting

Their heads smell great. Their smiles can light up a room. Their shoes are impossibly small and utterly useless, yet so incredibly cute. That’s right. We’re talking about babies. If you’re getting ready to welcome a new baby into your house, or think that season of your life may be starting soon, there are plenty of things to consider [...]

March 21st, 2019|Budgeting, Carmen's Corner, Save, Strategize|

The One Thing the Best Piggy Banks for Kids Have in Common

Piggy banks are the time-honored tradition for little kids to start understanding some basic principles about money: that you can receive or earn money, that money can buy you things, and that the more money you get, the more you can buy. To most kids, this equates to the simple rule that more money equals more toys. We love [...]

March 13th, 2019|Carmen's Corner, Save|

The One Thing You Should Never Say to Your Kid About Money

When I started typing “money is the…” into Google, it finished the phrase I was looking for without me having to type the rest. “Money is the root of all evil.” I am sure you know that’s what I was going to say. It’s a common phrase and also a terribly misunderstood one. That’s why I don’t think you [...]

March 8th, 2019|Carmen's Corner|

The Saver and the Spender, Episode 55: Cognitive Biases and How They Affect our Spending (Part 3)

This episode is part three of our six-part series on cognitive biases and how they affect our spending habits and financial decisions. (Make sure you check out part 1 and part 2 if you haven't yet.) In this episode, we discuss how the attention bias is impacting the purchases we’re making, but also the emphasis we place on those purchases as being [...]

March 5th, 2019|Podcast, Spending|

Why It’s Important to Stick to a Budget During a Divorce

Going through a divorce is stressful and typically fraught with emotion. The last thing you may want to think about is sticking to a budget. It's one more thing to stress about during an already stressful time. People often assume living on a budget translates to all these negative things: You have to restrict yourself, you don’t get to [...]

February 27th, 2019|Budgeting, Love & Money|

The Saver and the Spender, Episode 54: Cognitive Biases and How They Affect our Spending (Part 2)

This episode is part two of our six-part series on cognitive biases and how they affect our spending habits and financial decisions. (Make sure you check out part 1 if you haven't yet.) In this episode, we discuss how the Availability Heuristic bias is impacting the way we think of ourselves as money managers.  In this episode, you will learn: The [...]

February 22nd, 2019|Learn, Podcast, Spending|
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