There’s a magical feeling in the air this time of year, but that magic costs money. Every year, the pressure looms large to spend more to create perfect holidays. This high-cost season can leave you with debt that sticks around. According to NerdWallet’s 2022 Holiday Shopping Report, 31 percent of 2021 U.S. holiday shoppers who…
A Financial Lifeline for Women
By Janet Bodnar From Kiplinger’s Personal Finance We talked to Stacy Francis, CEO of Francis Financial and founder of Savvy Ladies (www.savvyladies.org), which educates women on how to take control of their finances, about money issues affecting women. Savvy Ladies also offers a financial helpline that matches women who have money-related questions with an adviser…
The Fine Print: Deal With It!
Just recently, U.S. consumer debt (that’s everything except mortgages) hit $16 trillion. Of course, that fact is often buried in the fine print, where most of us don’t pay attention. Or, if we do, we have no idea what that means. So what is a trillion? It’s a million million, a thousand billion or 1,000,000,000,000….
Good Reasons to Resist BNPL
By Emma Patch From Kiplinger’s Personal Finance Propelled by inflation and the pandemic-driven convenience of online shopping, Buy Now Pay Later (BNPL) services have become as commonplace as hand sanitizer in a shop entryway. Since 2018, the number of BNPL users in the United States has grown by more than 300 percent per year, according…
11 Ways to Prevent Debt From Ruining Your Retirement Goals
Retirement, the “golden years” in the ideal world, is when all Americans want to kick back in their own home, count dollars from their passive income, and get back to their hobbies. But, this dream for many remains a hyperbole due to a lack of financial planning, adequate investment, and debt. A Congressional Research Service report…
The Ultimate Risk-Free, High-Yield, Guaranteed Investment
From time to time, this kind of question pops up in my inbox: How can I get started investing in stocks and mutual funds that are risk-free and have guaranteed high rates of return? Of course, that makes me laugh, not only because there is no such thing as a risk-free investment — let alone…
How to Handle Your Medical Bills
When she was 19, writer Emily Maloney found herself facing about $50,000 in medical debt after hospital treatment for a mental health crisis. The debt followed her throughout her twenties, hurting her credit and leading to stressful calls from collection agencies. Her experience is all too common: The Consumer Financial Protection Bureau reports that about…
How Your Credit Cards Can Help During a Recession
By John Egan From Bankrate.com When a recession is looming (or already here), you may wonder how to best handle your finances. After all, a recession—a period of time when the economy takes a deep dive—can trigger financial stress. Will you lose your job? Will you be able to keep up with everyday expenses? With…
What Is Money Maturity and How Does It Impact Your Finances
October 7, 2022
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What is Money Maturity? This process of becoming more financially responsible is called money maturity. Money maturity is a gradual process that happens over time. It is often associated with age but can also be influenced by factors such as life experiences and education. Nevertheless, money maturity typically leads to better financial decision-making and habits….
3 Steps to Lower the Cost of Your Debt
Does the thought of dealing with your debt make you want to go back to bed? More than 1 in 5 Americans (22 percent) are likely to put off creating a debt payoff plan, according to a June 2022 survey from NerdWallet conducted online by The Harris Poll. That’s a lot of procrastination, and it’s…
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