Unless you've been living under a rock, I'm sure you've heard the conventional wisdom that you need an emergency fund. And of course it makes sense to save for a rainy day. Yet life gets in the way, the normal bills continue to pile up, and emergency savings gets pushed to the back burner. In fact, according to a recent survey, only 39% of Americans could cover a $1,000 … [Read more...] about Emergency Fund Examples – Be Prepared for These 7 Financial Disasters
Can you really pay off debt on a teacher's salary? You’ve heard those success stories of people who pay off a big chunk of debt while earning $30-some thousand per year. You wonder if they can do it, why can’t I? What’s the secret? As a school counselor who borrowed over $42,000 in student loans and paid it off in 34 months while earning less than that per year, I’ll … [Read more...] about 8 Simple Steps To Pay Off Debt on a Teacher’s Salary
Are you ready to get your personal budget under control, but are overwhelmed when you think of where to start? When I first started budgeting, one of the hardest things for me to do was come up with personal budget categories that all of my spending fit into. Sure I thought of the main categories of rent, utilities, food, etc. But when it came to all of the small expenses, … [Read more...] about 80+ Personal Budget Categories – Get Your Finances Under Control!
There is a lot of confusion around retirement, and particularly recommended retirement savings by age. How much should you have saved by age? And how much do you need in retirement? A lot of words have been written to try to answer these questions, but the real answer is...it's complicated. It's not complicated because the math is hard, or there is some secret the … [Read more...] about Recommended Retirement Savings by Age – Are You Saving Enough?
Want to make extra money in your sleep? I recommend Swagbucks, an app that gives you cash back for shopping, surfing the web, even watching videos. Sign up for Swagbucks now and get an instant $5 bonus! Several years ago I found $21 lying on the ground while walking around at a Six Flag theme park. It looked like just $1, until I picked it up and saw there was a $20 bill … [Read more...] about Apps That Pay You Money – 3 Best Cash Back Apps for 2019