Financial Literacy

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12 Practical Money Habits Everyone Should Embrace ASAP

12 Practical Money Habits Everyone Should Embrace ASAP

This guide is complete with everything you should start doing right now to set yourself up for financial success. Many of these suggestions can take time and might not be attainable for you right away. But, getting started right now will set you up long-term. But with hard work and dedication, everything in this list […]

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FP Answers: I’m turning 65 , so is taking CPP a good option if I plan to keep working?

FP Answers: I’m turning 65 , so is taking CPP a good option if I plan to keep working?

Adding up the benefits makes arguing for early CPP tough unless you aren’t healthy or really need the money https://financialpost.com/personal-finance/retirement/should-i-take-cpp-if-keep-working-after-65 #financialfreedom #money #entrepreneur #business #finance #investing #financialliteracy #success #investment #wealth #motivation #financialindependence #passiveincome #personalfinance #realestate #stockmarket #debtfree #entrepreneurship #invest #bitcoin #creditrepair #debtfreecommunity #investor #trading #workfromhome #stocks #credit #financialeducation #bhfyp

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Best CD Rates of October 2024

Best CD Rates of October 2024

A certificate of deposit (CD) is a type of savings account that allows your money to earn interest for a certain amount of time. When that term ends, you’ll get back your initial deposit plus interest. The national average CD rate is currently around 2.84% for a $10,000 deposit and one-year term—but it’s possible to

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What to Buy (and Skip) in November 2024

What to Buy (and Skip) in November 2024

Tommy Tindall writes for NerdWallet. Email: ttindall@nerdwallet.com. The article What to Buy (and Skip) in November 2024 originally appeared on NerdWallet. https://www.nerdwallet.com/article/finance/what-to-buy-this-month #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney #moneymanagement #creditrestoration #invest #wealthbuilding #creditrepairservices #moneytips #passiveincome #finances #generationalwealth

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12 Common Excuses Sabotaging Your Road to Success

12 Common Excuses Sabotaging Your Road to Success

Is there something holding you back from reaching success? Maybe your excuses are hindering you from your goals. This often revolves around self-doubt, fear of failure, and a perceived lack of resources or opportunities. By internalizing these self-deceptions, people may inadvertently sabotage their own potential, stifling their progress and preventing them from achieving their true

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Adjustable-Rate Mortgage Trends in 2024

Adjustable-Rate Mortgage Trends in 2024

Adjustable rate mortgages, or ARMs as they’re commonly known, are about as popular as stick-shift automobiles these days. Given that ARMs are commonly used to secure a lower interest rate—at least for a time—many economists would suggest that this lack of popularity shouldn’t be the case. That’s especially true now that mortgage rates have increased

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Finishing Rich Despite A Low-Return Stock Market Environment

Finishing Rich Despite A Low-Return Stock Market Environment

Since the bottom of the global financial crisis in July 2009, the S&P 500 has generally experienced a strong bull market. While there were challenging periods in 2018, 1Q 2020, and 2022, stock market investors have largely been well rewarded. However, Goldman Sachs warns that the good times might be coming to an end. Goldman

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CFPB Fines Apple, Goldman Sachs Over Apple Card ‘Failures’

CFPB Fines Apple, Goldman Sachs Over Apple Card ‘Failures’

Rick VanderKnyff writes for NerdWallet. Email: rvanderknyff@nerdwallet.com. The article CFPB Fines Apple, Goldman Sachs Over Apple Card ‘Failures’ originally appeared on NerdWallet. https://www.nerdwallet.com/article/credit-cards/cfpb-apple-goldman #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney #moneymanagement #creditrestoration #invest #wealthbuilding #creditrepairservices #moneytips #passiveincome #finances #generationalwealth

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7 Reliable Ways to Take Control of Your Finances

7 Reliable Ways to Take Control of Your Finances

Living paycheck to paycheck is the worst. And many times during this time period, you feel hopeless and that there is no end insight. Besides the hopelessness, you also are putting emotional stress on yourself because you are trying to figure out how you’re going to pay your bills and have enough money until the

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Taking on more debt is not the solution to the housing crisis despite what the Liberals say

Taking on more debt is not the solution to the housing crisis despite what the Liberals say

Kim Moody: All the tax issues created by the new mortgage insurance rules cause more headaches than they’re worth https://financialpost.com/personal-finance/taxes/housing-market-rental-debt-no-solution #financialfreedom #money #entrepreneur #business #finance #investing #financialliteracy #success #investment #wealth #motivation #financialindependence #passiveincome #personalfinance #realestate #stockmarket #debtfree #entrepreneurship #invest #bitcoin #creditrepair #debtfreecommunity #investor #trading #workfromhome #stocks #credit #financialeducation #bhfyp

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Does a One-Day-Late Payment Affect Your Credit Score?

Does a One-Day-Late Payment Affect Your Credit Score?

A debt payment that’s just one day late won’t appear on your credit report and therefore will not affect your credit scores. However, you may face late fees, increased interest rates or other penalties. A One-Day-Late Payment Won’t Affect Your Score A payment made one day late—or even a few days late—may be subject to

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<div>SUV Costs & Maintenance: How Much Will You Have to Spend?</div>

SUV Costs & Maintenance: How Much Will You Have to Spend?

Shannon Bradley writes for NerdWallet. Email: sbradley@nerdwallet.com. The article SUV Costs & Maintenance: How Much Will You Have to Spend? originally appeared on NerdWallet. https://www.nerdwallet.com/article/cars/car-shopping/suv-cost-maintain #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney #moneymanagement #creditrestoration #invest #wealthbuilding #creditrepairservices #moneytips #passiveincome

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15 Methods to Maximize Your Income Without a Second Job

15 Methods to Maximize Your Income Without a Second Job

Many are searching for smart ways to pad their wallets without burning out. That’s why I’ve gathered proven methods to help you earn more money with what you already have. From renting out your car to leveraging your skills online, these tips are practical and effective. Ready to discover easy ways to increase your earnings? Let’s

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Is the cost of having kids too high? Here are some tips on frugal child rearing

Is the cost of having kids too high? Here are some tips on frugal child rearing

Sandra Fry: Raising a family on a budget can be challenging, but with careful planning and smart strategies, it’s definitely achievable https://financialpost.com/personal-finance/debt/cost-having-kids-too-high-tips-frugal-child-rearing #financialfreedom #money #entrepreneur #business #finance #investing #financialliteracy #success #investment #wealth #motivation #financialindependence #passiveincome #personalfinance #realestate #stockmarket #debtfree #entrepreneurship #invest #bitcoin #creditrepair #debtfreecommunity #investor #trading #workfromhome #stocks #credit #financialeducation #bhfyp

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Should You Get an Online Auto Loan?

Should You Get an Online Auto Loan?

When it comes to getting a car loan, you typically have two main choices: a bank (or credit union) or a dealership. While dealer financing has its perks, financing through a bank or credit union allows you to sidestep the dealer as a middleman and secure a loan before heading to the dealership. One strategy

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Overwhelmed, Not Bored: An Unexpected Challenge Of Retirement

Overwhelmed, Not Bored: An Unexpected Challenge Of Retirement

Before retiring in 2012, I didn’t fear boredom or loneliness. It never occurred to me that I would be bored with so much potential freedom. My main fear was whether giving up a steady paycheck was an impetuous move that could lead me to financial ruin! After I left work, I found myself telling my

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Delta Luggage Weight Limits, Explained

Delta Luggage Weight Limits, Explained

Ramsey Qubein writes for NerdWallet. Email: travel@nerdwallet.com. The article Delta Luggage Weight Limits, Explained originally appeared on NerdWallet. https://www.nerdwallet.com/article/travel/delta-baggage-weight-limit #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney #moneymanagement #creditrestoration #invest #wealthbuilding #creditrepairservices #moneytips #passiveincome #finances #generationalwealth

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7 Quick Ways to Save Up ,000

7 Quick Ways to Save Up $10,000

Saving $10,000 can be perfect for your rainy-day fund, to use towards a large purchase like a house, or maybe for something else you want to save for this year.  While saving five-figures can seem pretty daunting of a task at first, reaching $10k saved is much more attainable than you might initially think. However, if

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What Is an Auto Equity Loan?

What Is an Auto Equity Loan?

An auto equity loan is a type of loan that lets you borrow money by using your vehicle as collateral. This type of loan can be appealing because it typically offers lower interest rates compared with other financing options. However, you risk losing your vehicle if you default on the loan. Understanding the advantages and

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10 Best Real Estate Investing Books For New Investors

10 Best Real Estate Investing Books For New Investors

As you work on building your wealth and investing your money, one area that may intrigue you is real estate. Owning property to either rent out or flip has grown in popularity over the years and more people are interested in getting started.  However, oftentimes the idea of investing in properties and what it takes can

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