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Retirement does not always mean financial security. Plenty of seniors encounter numerous challenges that may lead to debt. It is important to recognize that senior debt is a growing concern and there is no shame in wanting to overcome it. Many seniors live on fixed incomes, such as Social Security… Read more: Senior Debt and How to Overcome It

There are many great ways to work smart and not hard, you just need to change your mindset. As a critical reminder, it is not how much money you make, but how much you spend. Most Americans, for example, spend all of their paycheck and save none of it. Get… Read more: Great Ways to Work Smart: Changing Your Mindset

When working at a company you get paid whatever they see your value. This value is usually at a minimum pay, required by the government, otherwise, they would probably pay you less. Working for a company and doing the work of two people should entitle you to be paid double,… Read more: Getting Paid for Your Value, Not Just Your Time

Many people are too close to their money and refuse to talk about how much they make, especially what they do with it. This type of behavior leads to people being weird with money. They never want their friends or family to know how much they make because of this… Read more: Stop Being Weird With Money

Obtaining a mortgage can be an absolute nightmare if you do not have your finances in order. The idea of getting a mortgage can be rather easy provided you have a two-year history of working, a good credit score, and saved enough for a down payment. The problem is that… Read more: Beyond the Mortgage: Discovering New Paths to Your Dream Home

The importance of saving money is more valuable than it ever has been. With inflation, everything is much more expensive than a few years ago. People who are financially struggling as is, find it even more impossible to live day-to-day, let alone save for a future. Remember when you could… Read more: The Importance of Saving Money in a World of Inflation

The pursuit of higher education is an ideology that society seems to think everybody should do. During high school years, counselors or parents will start asking you about college. The problem is that too many people feel pressured to continue their education to obtain a better career. These days, most… Read more: The Value of Student Loans: What You Need to Know

We all find it hard to be responsible with our money because most of us really do not know what to do with it. We get a paycheck and immediately buy whatever our heart desires as opposed to doing the right thing and saving it. People in countries aside from… Read more: Nip it in the Budget: How to Resist Spending

There are many ways to prioritize your money and how it is spent. Keep in mind that priorities vary from person to person. Most people want enough money in their savings accounts to feel comfortable retiring. Meanwhile, others have the attitude that they only live once so why not large?… Read more: Money Priorities: How to Turn Irrational Spending into Savings

While swiping your credit card may seem like a simple way to pay, it can unlock a world of benefits in the realm of finance. Most banks, credit cards, and other financial institutions offer enticing rewards programs that transform everyday spending into valuable perks. These programs range from earning cash… Read more: Financial Rewards Programs: How to Unlock Hidden Cash

Mortgages can be terrifying just by the simple mention of it. Most people rent because they find it easier, more convenient, move a lot, etc., but never realize how much of that rent money could go toward owning their own home. The desire for a place to call your own… Read more: Mortgages Made Easy: How to Apply & What to Expect

The measurement of financial success is often a misconception wherein the more you have, the more successful you are. However, this concept truly comes down to your financial goals and how you live your life. For example, consider the lifestyle often depicted as the “high life.” This prioritizes luxury, material… Read more: Financial Success Tips: How to Use Money with Confidence

Financial literacy is the ability to manage money effectively, yet this fundamental life skill remains shrouded in mystery to most. Imagine holding the key to unlock a treasure chest overflowing with financial security and freedom. Financial literacy empowers you to do just that. It equips you with the knowledge and… Read more: Easy Money Moves for Everyday Life

Debt, a universal term in the world of today, holds the potential to both empower and entrap individuals. While access to credit can facilitate essential purchases or investments, its mismanagement can lead to a suffocating burden. In this ideal scenario, debt relief programs emerge as a potential solution, offering a… Read more: Debt Detective: Uncover the Truth About Debt-Relief Programs

Money should not be a source of stress yet, it constantly eats away at our lives distracting us from everything else. We as a society tend to put too much pressure on having a high income and making it seem like that is all that matters. It is said that… Read more: Making Money Fun: How to Embrace Financial Freedom

At an early age, most people are taught all the wrong ways of how to use money. Many are told to use their hard-earned income to pay for all expenses. This may make sense to most, however the majority is unaware of a term called assets. Assets are essentially anything… Read more: How to Avoid Common Financial Pitfalls: Lessons in Money Management

Debt can significantly impact relationships, entangling itself in the core of partnerships in various ways. Financial stress stemming from debt can weaken even the strongest connections, creating tensions and challenges that permeate different aspects of a relationship. People who spend money freely and those who are careful suddenly find themselves… Read more: Love on the Balance Sheet: How Debt Can Wreck Your Romantic Life

Finding ways to eliminate debt can be nearly impossible if you do not concentrate your finances properly. Some debt accounts should be paid off quicker so that you can focus more on larger debt. It is easy to become overwhelmed with bills coming at you every minute. This is why… Read more: Helpful Ways To Eliminate Debt

The game of money often seems simple to those just starting out in the workforce. We as people understand the idea of getting paid per hour and having the government take out taxes for roads, infrastructure, military, etc. That seems fair however, taxes are so high it can be impossible… Read more: Most Common Investment Types People Love to Use

Becoming debt-free can be painstaking and achieved way too late in life provided you only know about one form of income. Sadly, it is true that most people work hourly, have their government take a huge chunk, and keep the small remainder for expenses. Living this way makes it much… Read more: How You Can Make Money: 3 Different Income Types

Living without debt is a dream many of us have, especially when we find it hard to advance in life financially. We see living with debt as a burden and it can put a damper on us in so many ways. From mental issues and emotional problems, living with debt… Read more: Easy Steps for Becoming Debt-Free

Living with debt can be the most overwhelming thing in your life and may cause a mess of problems. There is so much pressure from society always telling you that living without debt will lead to pure happiness. While that may be true on some level, most people find happiness… Read more: Living With Debt: How to Become Financially Literate

Everybody is quite familiar with credit cards whether they use them or not. Most will use a credit card to make unnecessary purchases and not truly understand why to use a credit card. Early in life, it may be fun and tempting to sign up for a credit card and… Read more: How to Use Credit Cards to Build Good Credit

Dealing with debt collectors may be extremely stressful, especially when you have no idea how to deal with them yourself. Lawyer fees to deal with debt collectors will add up quickly and pile on even more debt for you to pay. Feeling trapped and hopeless can sometimes be a part… Read more: How to Deal With Debt Collectors – Know Your Rights

Money comes and goes, but your relationship with it can all be determined by having a positive outlook. Most of us see money as income and expenses. The problem is that there is much more to that. Learning how to change your relationship with money is important, especially when you… Read more: How to Change Your Relationship With Money

Thinking about retiring at an early age seems like an impossible thought. However, today there is an entire movement dedicated to retiring early. This movement is called the FIRE movement. The FIRE movement, or the Financial Independence Retire Early movement, is becoming increasingly popular. Retiring before you are 55 is… Read more: How to Retire Early – The FIRE Movement

Borrowing money to enhance and progress in life is a necessity. Most of us do not have the luxury to pay cash for large purchases and therefore, must get a loan. Individuals may be able to get a loan easily, but some may need a co-signer. A co-signer is responsible… Read more: The 5 Most Common Loan Types & What You Should Know

Financial stability is meeting your current and future financial obligations without experiencing financial hardship. This means always having enough money to cover your essential expenses. Expenses cover housing, food, transportation, and healthcare, as well as having money saved for unexpected expenses. Finances define us as individuals and can be an… Read more: Practical Guidelines for Financial Stability

Ever been stressed out about something, like debt, so bad that it consumes your every thought? For example, you may lose sleep thinking about a doctor’s visit coming up, a job interview, going to court, etc. Now imagine that feeling of relief once said task is completed. It is as if a huge weight… Read more: The Great Feeling of Debt Relief

I decided to start this blog to help educate people on financial literacy in general. Posts will range from money management, credit cards, mortgages, student loans, secured vs unsecured, public vs private, debt relief programs, etc. My ultimate goal here is to share my experiences with debt as well as… Read more: Welcome to blog about financial literacy & money management