good night sleep

5 Things You Need to Know for a Good Night Sleep

What is keeping you up at night? Why can’t you sleep well at night? Even though these two questions are similar, they are very much different and the answer to these questions can be the difference between a long sleepless night and  a restful night of sleep. Smell We often think that a smell that […]

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low risk ways to make money-min

5 Low-Risk Ways to Make Money

The cost of living keeps on rising, and people are beginning to wonder if they are ever going to be able to afford a comfortable retirement. Saving enough money for retirement is obviously key however, just as important is the ability to earn a decent return on your money. History has shown that a well-diversified […]

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little entrepreneur

Financial Literacy Tips for Your Little Entrepreneur

Not all children want something right then and there. Some kids have an astounding ability to be patient, save up, just to get the toy, or big ticket item they want most! They can’t figure it all out on their own however, so you’ll have to do a little research on how to help your […]

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save money on your insurance

5 Ways to Save Money on Your Insurance Starting Today

If you’re like most people, you bought your insurance policies years ago and you haven’t thought about them since. The problem is that most people are spending too much for their insurance coverage and don’t even know it. Regardless of what kind of insurance policies that you own, there are some ways that you can […]

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declaring student loan bankruptcy

Will Declaring Student Loan Bankruptcy Discharge Your Student Debt?

While filing Chapter 7 bankruptcy will eliminate the majority of debts, there are specific exceptions. Even though student loans are not automatically discharged during a bankruptcy proceeding, there are strategies that can be used to wipe out student loan debts. A Little History on Student Loan Debt In the past, students rarely incurred the levels […]

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low credit score

Repair Your Low Credit Score by Focusing on Key FICO Score Components

Banks and financial institutions use credit scores to make determinations regarding a consumer’s credit risk. Employers, landlords, and insurance companies use credit scores in building a picture of how responsible you are. The higher the credit risk the higher the interest rate you will be charged. A FICO Score of 740 or above is considered […]

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Why This Money Blogger is Having a CFP® Review His Retirement Plan

This is a sponsored post in partnership with the CFP® Board. Opinions expressed are my own. I learned from my years as a Boy Scout that being prepared can be the difference in having an enjoyable backpacking outing or a miserable and unforgettable experience. To this day, I can still remember the painful blisters as a […]

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prep for retirement

6 Things You Need to Do to Prep for Retirement

Everyone wants to have a good retirement. But you can’t expect to have a comfortable retirement without putting in some legwork ahead of time. There’s a wide variety of things you need to consider in order to get ready for your golden years. Here are six things you need to do to prep for retirement. […]

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Credit report with score on a desk

How to Improve Your Credit Score Fast in 5 Easy Steps

Make Payments Before Due Date Payment history has the single largest impact on credit score so you want to make sure you are paying your bills on time. In fact, scheduling your payments to pay on the due date might negatively affect your credit rating. For example, if a due date falls on a weekend […]

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drowning in debt

Drowning in Debt? Here’s How to Start Climbing Out of Debt

Utilizing credit to cover life’s major expenses or unexpected bills is common among Americans. Taking on debt makes it easier to manage a significant financial burden when the savings just isn’t there. Unfortunately, leaning too heavily on credit can create a mountain of debt that feels impossible to move. If you feel like you’re drowning […]

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kid roth ira

How a Kid Roth IRA Can Make Your Child a Millionaire

Scenario: Your teen has a part-time job during the year and has saved most of their earnings. Is a Roth IRA the best investment option? How much can they contribute each year? Can a parent contribute to a Kid Roth IRA? Benefits of a Kid Roth IRA A Roth IRA allows your child to contribute […]

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tax law changes

Top 6 Tax Law Changes for 2018

 This is a guest post written by Paige from the Fairy Tax Mother blog. There are numerous changes to the 2018 tax year thanks to the Tax Cuts and Jobs Act. Commonly know as TCJA (pronounced tick-ja by nerdy tax accountants).  There are changes to both individual and corporate tax law that are being implemented in […]

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owning a home

The Hidden Costs of Owning a Home

Owning a Home – Investment or Expense? Owning a home has long been the American Dream.  A recent survey by the National Association of Homebuilders (NAHB) uncovered that 75% of Americans still believe that owning a home is the best long-term investment they can make.  According to a recent report by CoreLogic, negative equity peaked […]

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