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Budgeting, debt relief, credit health, career tips and more.

Good Debt vs. Bad Debt

Managing Credit: Good Debt vs. Bad Debt

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Before taking on a debt of any kind, it’s a good idea to know whether it’s considered good debt or bad debt. Not all debt affects your financial health equally. Certain types are considered good debt while others are bad. 
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8 Tips to Achieve Financial Freedom

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There are plenty of books, radio programs, podcasts and TV shows that offer advice on how to achieve “financial freedom.” It sounds nice in theory, but it’s a difficult term to define. One person might imagine financial freedom as living a lavish, millionaire lifestyle, while another may consider not living paycheck-to-paycheck to be enough. If there isn’t a textbook definition for this term, why is it important, and how can you get there?
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How to Ask for a Raise

How To Ask for a Raise

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How much control do you have over your salary? More than you might think. A recent PayScale Inc. survey found that 70% of workers who ask for a raise get some sort of increase. Among those who asked for a raise, 39% got the amount they requested, while 31% received a smaller increase.
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Quiz: How Healthy Are Your Finances?

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When it comes to personal finances, it can be hard to describe how you’re doing and what you need. It’s easy to say “I’m not making enough money” or “I’m doing fine financially,” but that doesn’t shed light on what’s really going on. Can the cause of your financial woes truly be boiled down to the size of your paycheck, or are other factors, like debt and spending, weighing you down? Does “doing fine” mean that you’re “just getting by”…
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How Social Media Influences Spending Habits

7 Ways Social Media Influences Our Spending Habits

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We know that frequent use of social media can profoundly impact how we feel about ourselves, but what about our wallets? A growing body of research shows that it is not a question of whether social media influences our spending habits, but how and at what cost?
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15 Tips Debt-Free Influencers

15 Top Money Tips from Debt-Free Influencers

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Do you aspire to a debt-free lifestyle? These debt-free influencers did, but to get there, they had to adopt new habits and tackle their debt for good. In addition to sharing the amount and type they’ve overcome, they gave us their top tips for saving money and paying down student loans, credit card debt, personal loans and more. Follow their stories and learn from their experiences so you too can conquer your debt and move toward a debt-free lifestyle.
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Personal Finance Influencer You Should Follow

6 Personal Finance Influencers You Should Follow

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If you want to make better financial decisions in 2021, you should start following personal finance influencers. Social media is a powerful tool, and we think it makes sense to use it to learn new skills and encourage ourselves to make smarter decisions. 
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Run a SWOT Analysis on your Finances

How to Run a Swot Analysis on Your Finances

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If you have short and long-term financial objectives, try running a SWOT analysis on your finances to pinpoint your priorities and highlight where you could make improvements. A SWOT analysis is a strategic matrix developed to help businesses identify things standing between them and their goals. It’s also a great way to distill down your priorities when making important decisions. Although originally intended for organizations, the exercise can be useful for all types of goal setting and analysis.
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I Need Money Now - Should I Pull From My 401(k)?

I Need Money Now – Should I Pull From My 401(k)?

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Let’s say you’re in dire need of cash. You might be struggling to work your way out of debt. Maybe you had an unexpected emergency with a big price tag. There’s a stash of cash available in your 401(k), but you’re technically supposed to save that money for retirement. Should you tap into your retirement savings if you really, really need it?
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