Back in 2010, my husband and I got married while carrying a massive $45k debt. Given our average incomes and my husband earning just above minimum wage, owning a house in one of the most expensive real estate markets felt like an impossible dream. But here we are, less than six years later, owning a…
Carrie Fisher once pointed out that “Instant satisfaction takes too much time.” This idea is quite evident today, as many of us crave quick pleasures and immediate results. We’ve become used to the expectation that our desires should be met instantly. Companies feed this mindset by creating products designed to make our lives easier and…
Recent research shows that if an average smoker quits smoking around the age of 20, they could easily become a millionaire by retirement. Paul Claireaux, in his report for the Investor’s Chronicle, explains that investing the daily cost of a pack of cigarettes (£7.60) into retirement funds starting at age 20 could grow to almost…
Many people look forward to the big discounts on Black Friday, but some of us are not too keen on spending a lot on holiday gifts. While I love the joy of giving, we’re currently paying off leftover bills and my husband’s student loans from grad school, so I want to avoid overspending. If you’re…
A recent survey on Teens & Personal Finance from February 2022 showed that over half of the teens polled (54%) feel unprepared for future financial challenges. Additionally, the rising cost of higher education has impacted the decision to go to college for about 69% of them. The survey also found that a worrying 41% of…
After finishing college, I moved back to my hometown and my mom and grandma asked me to be part of a garage sale. Since I had a bunch of stuff from college that I didn’t need anymore, I thought it was a good idea. It was a chance to clear out some clutter and make…
Many of us love traveling but often get put off by how expensive it can be to plan a great trip. Wouldn’t it be amazing if there was a way to get around these financial hurdles? Well, there is. A few years ago, I stumbled upon a way to rack up a ton of credit…
A survey from February 2022 revealed that over half of teenagers (54 percent) feel unprepared for the financial responsibilities of adulthood. Additionally, 69 percent said that rising college costs influenced their decision about pursuing higher education. The study also found that 41 percent of teens aren’t learning about financial literacy at school. So, it’s crucial…
Our world is incredibly diverse, and it’s a shame not to occasionally step out and explore its beauty. Taking a break from your daily routine and experiencing new surroundings can be really refreshing. Yet, every traveler knows that journeys can come with their own set of challenges—like delayed or canceled flights, lost luggage, or hotel…
PWC expects American consumers to spend 7% more this holiday season compared to last year, with an average of about $1,530 per person for gifts, travel, and entertainment. This increase means that 40% of consumers will likely spend more than they did last year. With rising costs, holiday spending can strain your finances and emotions….