Debt—ah, that four-letter word that sparks fear and frustration to the hearts and minds of a lot of people today. Having debt can be extremely frustrating. Debt is discouraging especially if your goal this year or in the next few years is to be financially independent. Really, COVID has put us all under a debt…
Instead of Panicking, Deal With Your Student Loans Like a CFO Would
By Henri Steenkamp Today’s students and new graduates are saddled with years upon years of student-loan debt. This type of debt can be difficult for anyone to pay back in a timely, responsible manner, even in the best of times. In fact, many professionals well into their careers continue to struggle with balancing the checkbook and…
How Guests Can Honor Their Budgets in Peak Wedding Season
It’s a banner year for weddings, with industry experts at the Wedding Report predicting that more than 2.5 million couples will tie the knot—a 40-year high. But you might find your finances aren’t quite ready to take on the costs associated with being a wedding guest. Half (50 percent) of Americans say they plan to…
Budget for Vices: What Percent of Your Income Do You Spend on Vices?
Do you budget for vices? A recent study found that households earning less than $30,000 per year spend 13 percent of their income on things like lottery tickets, prepared drinks, and restaurants. The same low-income families spend an average of four times as much on lottery tickets as households bringing in $75,000 or more in…
Like Finding Money You Didn’t Know You Had
May 17, 2022
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Brightbudgetingcost-of-living expensesDebt ManagementFinancial HabitsHOMELifestylemoney leakpersonal financesave money
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You know the feeling when you reach into the pocket of a coat or pants you haven’t worn for a while and pull out a $20 bill? What would it feel like if you pulled out hundreds of dollars? And what if you found money like that month after month? It’s not magic; it can…
Social Security for Divorced Women
My wife and I and a group of our neighbors were chatting the other day, and it dawned on us that there are eight houses in a row on our block in which each of the couples has been married for more than 50 years! Well, not quite. My wife and I are the “newlyweds”…
Set Yourself up for Financial Success With a Budget Calendar
As you hopefully know, a monthly calendar is an invaluable tool for keeping track of important dates and events. Many of us even rely on calendars to keep our entire lives in order. But have you ever thought about adding your budget to your calendar? I’m sure you know how important it is to create…
Women’s Savings Accounts Took a Hit During the Pandemic, Unlike Mens
When it comes to retirement savings, women have been lagging behind men. Just how bad is it? In retirement, women are 80 percent more likely to live in poverty as compared with men, according to AARP. And, the pandemic has made this disparity even worse. According to an analysis from Age Wave and Edward Jones,…
25 Ways to Save Fuel and Money
With gas at a crazy price, people are asking themselves if they can save fuel money. As of March 31, 2022, the average national price for a gallon of regular gasoline touched $4.25, according to AAA. As your wallet informed you, this is some of the highest prices ever. And, that’s not even taking inflation…
Don’t Blame the Government — Blame Yourself
May 10, 2022
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BrightbudgetingDebt Managementdisability benefitspersonal financeretirement benefitsSocial SecuritySocial Security Administrationsocial security benefits
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Sometimes people will write to me complaining that the government, specifically the Social Security Administration, has messed up and cheated them out of benefits they might have been due. But many times, the fault (to trivialize a famous line from Shakespeare’s play, “Julius Caesar”) is not in our government, but in ourselves. Here are some…
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