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On average, Americans may spend about $18,000 a year on non-essential items, also known as discretionary spending, according to one 2019 study. While it’s important to spend on things that give you pleasure—whether it’s a cable subscription or take out once in a while—this kind of spending can get out of hand quickly if you’re […]
Making Room for Discretionary Spending in Your Budget Read More »
Challenges are a great tool for testing out a behavior change. Whether you’re trying to eat clean, meditate every day, or just be more active, 30 days is just long enough to test your willpower without breaking it. No spend challenges are an increasingly popular version of this idea, and September is the month where
No Spend Challenge Read More »
Making your money work for you is an important step on the road to financial security and independence. Earning money by trading your time is important, but it’s just as important to find a way to make money without having to be actively involved. While you might dream of being able to make money while
5 Ways to Make Your Money Work for You Read More »
If you’re a member of the military, it’s likely you often take big risks in the service of your country. So it can be especially critical for you to have a financial plan. In fact, the nearly 1.3 million active members of the military have a special set of circumstances that they have to keep
Planning Your Finances as a Member of the Military Read More »
Now that many places are lifting Covid-19 restrictions, it can feel exciting to go out and spend money again. After all, it’s probably been a while since you’ve visited your favorite restaurant or took a trip to your regular weekend spot. And by all accounts, consumers are raring to go. Many families are flush with
How to Keep Your Post-Pandemic Spending Under Control Read More »
If you’ve been trying to plan your wedding in 2021, the experience has probably been somewhat challenging. Okay, very challenging. The pandemic has affected every aspect of planning, from where and when you can exchange vows to how many people you can invite to the reception. Want to book a venue for a Saturday night?
Tips for Planning a Wedding During the Pandemic Read More »
Michael Sheppard watched his phone in disbelief as every source of his income vanished in a matter of hours. It was March, 2020, in the early days of the COVID-19 pandemic. Sheppard, 44, an accomplished freelance pianist based in Baltimore, Maryland, had performances lined up for the next several months and things were looking up
Why LGBTQ+ Americans Have Been Hit Harder by the Pandemic Read More »
There’s nothing more gratifying than graduating from college after four years of hard work. But getting a degree and entering the next phase of your life comes with a whole new set of expectations and responsibilities. Graduation often means starting your first full-time job and getting your first significant paycheck. But that paycheck also comes
Congrats, Grad! Here are Six Financial Goals Now That You Have That Degree Read More »
As you become more and more mature in your financial position, you’ll increasingly want to diversify your accounts. When you’re first starting your financial journey, it’s fine to just have one checking account, but the more money that you start accumulating, the more you will want to start holding it in different types of accounts.
How, Where, and Why to Use a High-Yield Savings Account Read More »
