Breaking or forming a habit is no easy task. Often you need to develop a habit in order to break one. Habits are elusive, they say it takes 21 days to form a habit but this is misleading, it
Rent is the biggest monthly expense for most people, including myself, and typically, our only payment option is writing a check or making an automatic payment out of our checking account since most landlords do not accept credit cards.
January is a popular time to work on new goals, including financial goals. But after the shine and excitement of setting a new goal wears off, it’s hard to stay on track: studies show that most people abandon their
So much of our day-to-day lives are made up of habits: small actions we perform frequently without much thought—checking our phones when we first wake up, brushing our teeth, or crashing on the couch after work, for example. These
The Christmas countdown has officially begun! But if you are counting the cash in your bank account and wondering how you’re going to get through the holiday season without a credit card hangover, we’ve got your back.
Here are
We are officially in the single digits when speaking to how many weeks are left in the year. With the holidays approaching it is an easy time of year to put your financial health to the side and make
Sometimes, we get so caught up in the hamster wheel of life, we forget to ask ourselves what all of this hard work is even for. When you’re so busy reacting to the needs and demands of others, then
The Roth IRA began in 1998 as a way to encourage middle-class Americans to save for retirement without reducing revenue (i.e.taxes) to the federal government in the short term. Although Roth IRAs have income limits aimed at excluding higher-income
There is something about fall that makes it feel like a good time for a refresh. Maybe it’s the changing of the leaves and that crisp fall air—or maybe it’s looking at your credit card statement after all of
Many companies and organizations struggle with how to assist employees in building short-term financial stability. While newer options like employer-sponsored emergency funds can certainly help, most companies already offer their employees an extremely effective savings tool: the ability to
There are a few critical choices we make about our retirement accounts including how much to contribute and what to invest in. Due to the rise in popularity of Roth 401ks, you might have one other important decision: should
While $10,000-$20,000 in federal student loan cancellation is welcome news for many borrowers, those with larger balances—particularly approaching or exceeding six figures—may feel underwhelmed by the assistance. Fortunately, the Biden administration’s announcement on student loans included provisions that have
Have you ever received a notice from your credit card company informing you that your credit limit has been cut? It happens more often than you’d think. For some people, this is a minor inconvenience. For others, it makes
If your job gave you a raise next week, what would you do with the extra cash? Would you order the most expensive wine bottle in your celebratory dinner? Go on a shopping spree and buy things you never
When it comes to figuring out how to build credit, you might already know that a credit card can be a powerful tool in strengthening your credit profile. If you’re relatively new to using credit cards to build credit
With the stock market recently finishing off a 7-week downward spiral toward a full-on bear market, investors have been scrambling and prices have been rising. You have probably heard of—if not already been feeling—the effects of inflation. Inflation increases
The racial wealth gap is well-documented: the average Black household has a net worth ten times less than the average white household. Also, Black households hold only about 3% of the country’s wealth despite making up close to 16
It’s Pride Month — a time of year when companies rightly celebrate their LGBTQ+ employees. However, many employers are missing out on ways that they could be supporting their queer and trans employees, especially when it comes to their
Despite the economic challenges of rising inflation and the slipping stock market, a high yield savings account is the best place to store cash you might need in the next year. If you are ready to take the plunge
After the last major economic downturn, hearing that the next recession might be around the corner (or already in our midst) can feel unsettling. Despite the buzz of impending recession fluttering across the media, the reality is that so
Many homeowners have taken advantage of historically low interest rates over the past few years to refinance their mortgages. If you aren’t among them, the talk of rising interest rates might be prompting you to consider whether you should
