Best Gifts For Under $100

Best Gifts For Under $100

With the holidays fast approaching, you’re probably making a list and checking it twice. The holiday season is synonymous with gift giving, and hopefully receiving too! In many cultures, gift-giving is an ingrained custom during the holidays. This sweet gesture has remained up until this day, and is sure to spark the feelings of love and appreciation towards one another.

But what should you buy for gifts?

Sure, there are no hard and fast rules when it comes to gift-giving, but there are also some things you need to keep in mind. How much is your budget and how close are you […] Read more

Decorating Tips for the Holidays

Decorating Tips for the Holidays

It’s that time of the year once again when our homes take on a shiny and glimmering character! As soon as Halloween is over, many of us start planning what our home would look like this holiday season. Maybe go for the traditional red and green? Perhaps, you want to make it look crisp and clean with white and gold? How about following a theme: candy cane, elves or golden balls everywhere?

The mere prospect of transforming our homes and getting ready for the holidays is fascinating and overwhelming at the same time. It’s a fun way to dress up our […] Read more

11 Tips to Help You Prepare for the Holidays

11 Tips to Help You Prepare for the Holidays

In between parties, gift shopping, and planning your meals, the holidays are the busiest time of the year. The kids get to play outside in the cold. Dads are busy putting up lights and setting up thee tree. Moms might spend more time in the kitchen, whipping up delicious gingerbread cookies, brewing hot chocolate, and preparing the family’s holiday favorites. Certainly, these are events that most families don’t get to do on a daily basis. But the holidays, well, they’re an exception.

You can make the holidays as easy and breezy as possible with some careful and advanced planning. There are […] Read more

How to Give Yourself a Raise This Year

How to Give Yourself a Raise This Year

In a world where we need an income to survive, it is only essential and right to protect our job or business to keep our earnings rolling in. You want to take control of your income in such a way that it becomes adequate, if not more than enough, to cover and sustain your living expenses.

Many of us derive our income out of our jobs and profession. Working some hours each day means you have compensation to expect on your pay schedule. It would be great if your paycheck can put food on the table, pay the bills and afford […] Read more

9 Signs You’re Not Ready for Home Ownership

9 Signs You’re Not Ready for Home Ownership

Owning a property is an important part of living the American Dream. This is one, if not the biggest expense you’ll ever make and it’s rewarding to finally have a house that you can call your own, but don’t forget, home ownership is a huge commitment.

When you decide to buy a home, you’ll need to have a down payment ready and then you’ll have to pay for processing the purchase, a real estate agent, and then cover closing costs. More importantly, you’ll have mortgage payments that you need to pay each month for (roughly) the next three decades of your […] Read more

SMART Goals: Making Achievable Financial Goals

SMART Goals: Making Achievable Financial Goals

Remember the time last year when you were making New Year’s Resolutions? You probably wanted to shed some pounds, re-organize your routine, or take up new hobbies. You may have also thought about making (or saving) more money and jotted down a financial goal or two.

It’s good to wonder about and question your financial goals from time to time. Goals, whether big or small, short-term or long-term, will set you out to the desired financial path. Maybe you wanted to save up enough down payment for a home in two year’s time or start investing that would run all throughout […] Read more

How to Improve Your Credit Score

How to Improve Your Credit Score

Credit has become the most popular payment method. You can buy nearly anything like homes and cars to menial daily things like your morning coffee or lunch. Putting it on tab has become such a common practice that many people don’t even think twice and it’s a habit that’s really hard to shake.

One look at your credit score and lenders will immediately know your financial standing. You need to take good care of your credit score and maintain a high rating so you can continue to enjoy the many perks that come with being a credit holder. However, this takes […] Read more

Ways to Save Money While You Travel

Ways to Save Money While You Travel

We probably could all agree that traveling is both an adventure and therapy. It feels great to explore new places, meet new people, and have new experiences. But a trip, especially a leisurely one at that, can prove to be financially stressful too.

But what if you have a thirsty wanderlust that you just have to quench? What if you truly want to jet off to a new city or country to temporarily get away and you’re itching to explore a new destination? You know you need how to travel without breaking the bank. And here begins your dilemma — how […] Read more

8 Most Common Financial Mistakes People Make

8 Most Common Financial Mistakes People Make

We’re human. We make mistakes. We make tons of them on a daily basis, but when we ignore our mistakes and don’t try to correct them, we develop habits that could end up hurting us in the long run. When it comes to money, sometimes we learn the hard, costly way.

Financial mistakes come in many different forms. It could be that you impulsively purchased something on your credit card, only to realize you couldn’t afford to pay it off quickly. Well, you can still solve that with saving more eagerly and spending more consciously. For other people, these mistakes end […] Read more

Preparing for Retirement – Saving up for Your Golden Years

Preparing for Retirement – Saving up for Your Golden Years

What do you think about doing when you’re finally done with with your career? You’ll have more time on your hands to pursue something meaningful like a passion project you’ve always wanted to do or you could go traveling multiple times a year. Maybe spend most of your days gardening, writing, or visiting family?

Retirement is both an exciting and scary time for many people. For most, retirement means they don’t have to go to work anymore and have the freedom to spend their time as they wish. While for others, retirement means not being able to work anymore and the […] Read more