You need more money, and you need it now. What are your choices? You have two: You can increase your income, or you can reduce your spending. There are several ways you can increase your income: Increase Income Get a bigger paycheck. Ask for a raise; land a new job that pays a lot more;…
10 Ways to Improve Your Future Financial State
December 30, 2022
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A 2022 study found that by September of that year, 63 percent of Americans lived paycheck to paycheck. Many of these people don’t think about how their spending habits will impact their future financial state. It’s easy to get so caught up in your daily wants and needs that you lose sight of your future…
A Valuable Money Lesson for the Kids
Don’t assume your kids are going to learn in school how to manage money well. There is a growing recognition for the need, but few children are lucky enough to learn about money matters in school. If you have kids, teaching them about money rests squarely on your shoulders. So, how are you doing 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….
The Pain and Pleasure Principle
I don’t care much for pain. In fact, I’ll do almost anything to avoid it. I also know that pain can be a good thing. The human nervous system triggers a sensation of pain to stop us from doing something that might cause a severe injury and to let us know that something may be…
Paycheck 101: A College Grad’s Guide for How to Manage a Paycheck
There you are, a college graduate with your newly minted degree in one hand and a new job in the other — or the confidence that you will have one soon. For years you’ve waited for a real job with a real paycheck to get a decent car, apartment and respectable wardrobe. After all, these…
Money Leaks That May Be Draining Your Wallet Dry
What would it feel like to check your bank balance and find a pile of money you didn’t know you had? Stop wasting money on goods and services that don’t matter in the long run. By plugging the money leaks in your life, it’s possible you could see the financial equivalent of working a second…
Financial Wellbeing Linked to Overall Health: ANZ
Australians experiencing poor physical or mental health will be more likely to experience low financial wellbeing, according to an ANZ survey. In ANZ’s latest financial wellbeing survey of 3,550 randomly selected Australians, 68 percent were struggling financially also described their mental health as fair or poor, compared to 28 percent overall. Similarly, 57 percent of…
Starting Over: 5 Ways to Reset Your Money Goals in 2021
One time, Mama Hogan looked at me and said, “Christopher”—she had my attention when she said my full name—“I don’t ever want you to be a ‘been’ brother.” I said, “Huh?” She explained: “A coulda been, shoulda been, woulda been kind of person. You have an opportunity to change some things and make progress.” Listen…
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