Millions of Americans from every generation are living in debt. In fact, the total personal debt in the U.S. reached nearly $14 trillion dollars in 2018. Many people are just one paycheck away from financial ruin and are financing their lives through credit. The average adult now holds over $8,000 in credit card debt alone. […]
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Filing for bankruptcy is a big and sometimes intimidating decision to make. But sometimes it is the best option for improving your financial future. It all depends on the state of your debt and your current situation. Bankruptcy is usually seen as this frightening concept that ought not to be spoken of except in the
Source: Pexels.Com Precious metals funds hold various mining stocks in precious metal industries such as gold, silver, platinum, and palladium. These funds may invest in such stocks in the U.S. or abroad. In some instances, precious metals mutual funds hold physical gold and silver. While some funds offer a significant amount of exposure to non-gold
You already know the basics on how to save money on clothes with tips like sell your old clothes and shop at thrift stores. While useful, they don’t help you look stylish AND save money. Here are seven surprising and clever tips that will have you dressing for less while looking your best. 1. The
Some people forgo the services of a lawyer because they worry about the cost. But, there are some things that you can do to lessen the cost of hiring an attorney. In fact, most lawyers recommend doing these things so they can better assist you with your legal needs. Attorney’s fees depend on how much
As the curtain closes on every year, I spend time reflecting on how I spent the year. I focus on what I’ve learned, how I’ve changed, and how I’m progressing towards my financial goals. I also look to how I can apply the knowledge I’ve gained over the past year to the next year, specifically
As a young girl, my friends and I would talk about if we could use the printer to copy our lunch money. We’d concoct all kinds of strategies to make our counterfeit bills look legit, like crumpling each bill in our hands to make them look used. Then we’d dream about all the shopping we
I’ve used everything from excel spreadsheets to budget planners designed by personal finance bloggers to planners designed by myself to (embarrassingly) nothing at all. What is the best tool? I’m sure you would agree, nothing at all is NOT the option to choose. Budgeting Tools I’ve Used I’ve always leaned toward a paper planner. There’s
Rentals for your wedding reception don’t have to cost you a fortune since these can take up a huge chunk of your budget. Depending on your venue, you may need a specific set of items for your wedding ceremony and reception, such as tents, chinaware, sound and lighting. The prices of these rentals can add
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Today, I attended a conference held by The Inspiration Lab. It was a fantastic conference, and one speaker, in particular, captured my attention. Nicole Homes from GE Power presented on the topic of negotiation. It got me thinking about how much I avoid negotiation in my life. I have consciously overpaid on everything from cars
