Budgeting

Have you ever gone to the store for a carton of milk and come home with a new air fryer, a potted plant, and a throw pillow you didn’t even need? If so, welcome to the club! Impulsive spending has an uncanny way of sneaking into our lives, charming us with shiny objects and limited-time sales.

If you’re like many people, your parents probably taught you that debt is a good thing. Responsibly handling debt makes you a good credit risk, and a lender would be eager to loan to you. However, without judicious use of debt, it can quickly spiral into something much more sinister.

The financial side of an upcoming marriage isn’t romantic or swoon-worthy. But it’s something that must be considered and discussed in order to help ensure a smooth union for years to come.

Relocating can be an exciting adventure, filled with the anticipation of new experiences and better opportunities. But proper financial planning ahead of time is crucial to ensure that  your move goes as smoothly and stress-free as possible.

Embarking on the journey to financial success can be overwhelming, particularly when faced with multiple goals and competing priorities. But taking the time to prioritize financial goals and then following through with them can reap tremendous and long-lasting benefits.

The first step in budgeting for the perfect vacation is to be realistic about yourself, your finances and the experience you’re about to have. The budget should be based on your financial resources and your savings goals. But it also needs to take into account that life is for living. Let’s face it. Economizing at home is one thing.

If you’ve ever wondered why they don’t teach teens about money in school, you’re not alone. Chances are, either you or your friends have asked this same question. Until the school curriculum changes, teaching teens about money in the real world remains in the domain of parenting.

As an employee who has been loyal to your company, shows up on time day after day, and puts your heart and soul into your job, you know when the time has come to ask for a much-deserved raise in pay.

Your credit score impacts everything from how much money you can borrow, to what interest rate you’ll pay, to whether or not your application for a home or apartment rental will be accepted. Without proactive steps, your credit score can easily fall into a range where it makes it hard to succeed financially.

If you feel like you’re working as hard as you can and you still aren’t saving money, it’s likely that a household budget will help. Household budgets force you to take a hard look at how much you’re bringing in each month and how much you’re spending.