Start Building Credit Today

You’ve got to give yourself some credit. Literally. Fewer than half of you use a credit card, and your financial tabula rasa could mess things up when you want a house or loan. Make your life in plastic more fantastic with these tips: Check your credit score(s). Certified credit counselor Greg Harper says that most of the credit reports he […]

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Do You Have an Oops Account?

A few years ago, I was out one day running some errands while my husband stayed home to do our taxes. “What’s the damage?” I asked when I got home and saw that dreaded look of doom on his face. I won’t tell you how much money we somehow wound up owing that year, but […]

Start Budgeting Now for Your Next Vacation

Before any vacation, you’ll want to take steps to make sure you’re financially prepared for the fun ahead. First, establish a budget for the trip. Determine a realistic amount of money you’ll need to save for lodging, transportation, food and activities while on your trip. If you have pets and you’re leaving them at home, you […]

Babysitting as an Adult: Training for parenthood

Back when I was in high school, I used to babysit all the time. Like many of my friends, I was more than willing to spend my Saturday nights sitting on someone else’s couch, watching TV as the kids slept soundly in their beds. And while the gigs weren’t always so easy, often requiring me […]

Every Penny Counts: Stretching your grocery budget

News flash: If you’re still buying unhealthy pizzas and burgers instead of salmon and veggies because you think it’s too expensive, you’re wrong. In fact, the Harvard School of Public Health estimates that it only costs $1.50 more per day to eat what’s considered to be the “healthiest” diet — one rich in fruits, vegetables and lean […]

How I Learned to be My Own Boss

I come from a family of self-employed entrepreneurs.  I have witnessed their struggles over the years, but I’ve also seen the freedom that comes from setting your own rules, and working on your own terms. For almost eight years I enjoyed a well-paying 9-to-5 job in the medical industry. And when I say enjoyed it, […]

How to Ask for a Raise at Work

So you’re ready for a raise, huh? Being prepared is the key to successfully asking for — and getting — the raise you deserve. By following these steps, you can greatly improve your chances of receiving a nice pay raise. Check Company Policies Before making an appointment with your supervisor to discuss a raise, check […]

Traveling Overseas? Here’s what you need

I recently had the opportunity to backpack through Europe with my best friend from college. In an effort to prove my worried family wrong (we may have watched “Taken” too many times), I compiled a list of everything we would need for our trip overseas, from our passport to an extra hair dryer. If it’s […]

Kitchen Appliances You’ll Actually Want to Buy

These days, it seems like there’s a kitchen gadget for just about everything. From fancy egg slicers to $200 waffle makers, it’s easy enough to spend a small fortune outfitting your kitchen with tools and convenient items. Now you may be thinking that kitchen appliances are a good investment, since, conceivably, they’ll encourage you to […]

Life After College is Still Expensive

A few years ago I graduated from college and I did not realize the amount of money I would need to spend over the course of the next three months. There are, unfortunately, numerous expenses associated with graduating from college — from finding your own apartment to feeding yourself — that many people should be aware […]

The Don’ts of Living Alone

You’re living alone for the first time, congratulations! Living on your own and learning to take care of yourself is a big step toward adulthood, but having your own space means you’re responsible for everything, including the financial side of things. Take it from me; I’ve been living on my own for the last six […]

Building Your Emergency Fund on a Budget

At this point, you’re probably sick of hearing about the importance of an emergency fund. Yes, you get it: It’s important to set aside money for the rainy days. But if you can barely save a month’s worth of expenses, how can you possibly save up enough money for six months? Luckily, you don’t have […]

From Secretary to Freelance Writer

Truth be told, I never had a dream of being my own boss. The only aspirations I had were to be the best employee, wife and mother I could be. I was earning a living working at a job with the state and had been employed by the same agency for about four years. I had […]

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