The Financially Free Blog

The Financial Gym Team The Financial Gym Team

Costs to Consider When Adopting vs. Fostering a Pet

While we love the idea of getting dogs and cats out of shelters, we want to remind you that pets are a financial investment. The energy and time it takes to care for a pet comes with a price tag and we want you to be aware of this price tag. Here are some costs you should plan to fit into your monthly budget before adopting!

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

How to Use a Secured Card to Build Credit

It’s hard to get credit if you don’t already have it. That’s where secured credit cards come in. Read about how a secured credit card can help if you are starting to build your credit for the first time or rebuilding after past credit challenges.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

5 Summertime Budget Leaks to Avoid

Summer means indulging in vacations, social activities, and outdoor events (AKA “budget leaks”). Read about five common budget leaks to look out for this summer and how to keep them from busting your budget.

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Austin Riffe, a Financial Gym Partner Austin Riffe, a Financial Gym Partner

Everything You Need to Know to Start Travel Hacking

Travel hacking can help you afford more travel with less money. Learn all about how to get started by choosing a travel hacking strategy that works best with your travel goals and financial situation.

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Sam Cash, A Certified Financial Trainer Sam Cash, A Certified Financial Trainer

How to Calculate Your Emergency Fund Goal

You may have heard you should save an emergency fund of 3 to 6 months of expenses, but what does that actually mean? Learn what’s included in these expenses and how many months you should have.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

Is the Financial Gym Worth It?

Spending money to get help with your finances is not an oxymoron. Learn when it’s worth working with the Financial Gym and what results you can expect from your membership.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

The 4 Financial Seasons and How to Handle Them

Just like the physical seasons change throughout the year, we also experience financial seasons. Read about the four financial seasons and how to handle them.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

Should You Travel When You Have Credit Card Debt?

Travel has so many benefits but traveling when you have debt can feel…complicated. Read about the pros and cons of traveling when you have debt and how to travel without adding to your credit card balances.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

3 Things You Can Learn From Your Pay Stub

You probably don’t spend a lot of time looking at your pay stub but it contains useful details that can help with your financial planning. Read about three things you can learn from your pay stub and what to do with that information.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

What to Know About the Supreme Court's Student Loan Decision

Ten months after the Biden administration announced its plans to forgive up to $20,000 of federal student loan debt for many borrowers, the Supreme Court blocked the plan. While the decision was not unexpected, it is extremely disappointing to tens of millions of federal student loan borrowers. 

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The Financial Gym Team The Financial Gym Team

4 Things I Wish I’d Known as a New Grad

As a young person, finances are often the last thing on our minds. But there are some very important tips to help when moving from student life into the working world.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

5 Challenges the LGBTQ+ Community Still Faces With Their Finances

People face different challenges depending on a multitude of factors—including sexual orientation and gender identity. Read about five challenges that LGBTQ+ folks may face in their financial lives.

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Kadri Augustin, Certified Financial Trainer Kadri Augustin, Certified Financial Trainer

How to Budget on Variable Income

In many industries, variable income is a common occurrence. You could be in the hospitality industry earning tips as your primary source of income or in real estate earning commission. Having variable income that is either inconsistent in payment amount or inconsistent in when you’re paid requires a system and planning ahead.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

Should I Take Out a Personal Loan to Consolidate My Debt?

When juggling multiple credit cards with eye-popping interest rates becomes overwhelming, it’s time to take a different approach. There are many strategies for paying off credit card debt, but it’s important to find one that works with both your finances and your psychology. To find out if consolidating your dent with a personal loan might be for you, consider these five factors.

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Savings Kylie Lipinski, A Certified Financial Trainer Savings Kylie Lipinski, A Certified Financial Trainer

4 Major Saving Mistakes You Might Be Making

We all know that we should be saving — and yet, nearly 60% of Americans could not cover a $1,000 unexpected expense in cash. While income and the cost of living are issues for many people, that’s not always the case: sometimes we are getting in our own way when it comes to saving. Are you holding yourself back by making any of these saving mistakes?

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

How to Create More Financial Freedom for Yourself (And Others)

While Juneteenth marks a celebration of freedom for Black Americans, it also encourages us to reflect on what “freedom” really means. Black Americans have been free from slavery for more than a century and a half now, but their freedom has been restricted in other ways due to systemic racism, including financially. 

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Kadri Augustin, Certified Financial Trainer Kadri Augustin, Certified Financial Trainer

Ask a Trainer: Should I Live at Home or Move Out After Graduating?

Graduating from college is a significant milestone in one's life, marking the end of an era and the beginning of a new chapter. It's a time of mixed emotions, with feelings of excitement, accomplishment, and uncertainty all intertwined.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

5 Rollover Mistakes to Avoid

Rolling over a 401(k) can be an arduous and confusing process made worse by the fear of making an error that has unintended consequences. And while there are companies out there like Capitalize who can help you with a rollover, knowing a few key mistakes to avoid will give you more confidence in the rollover process.

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The Financial Gym Team The Financial Gym Team

LGBTQIA+ Personal Finance Blogs and Creators to Follow

It’s Pride Month and although we too enjoy celebrating with parties and rainbows galore, it is important to remember pride is so much more than that. Pride is about action and supporting those in the LGBTQIA+ community this month and every day to come. We wanted to take the time to highlight just a few of our favorite personal finance blogs and creators in the LGBTQIA+ community.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

Why You Need a Money Date (With Yourself)

Even with the best of intentions, it’s easy to fall out of touch with your money. With everything else going on in life—family, friends, work, and life—keeping tabs on your finances falls by the wayside. But you spend 40 hours per week working hard for your money; shouldn’t you take 20-30 minutes per week to make sure your money is working for you? That’s where money dates come in! 

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