Living for today - Planning for Tomorrow
If you have a TikTok account, you’ve probably come across a trend called romanticizing your life, which is a form of mindfulness. It involves trying to find joy in the mundanity of your daily routine. For example, instead of gulping down your coffee as you rush out the door, you could romanticize your morning cup of joe by taking the time to savor it. I
One of the things my partner and I are trying to work on this year is making better use of workplace benefits. Your benefits are part of your total compensation package, so you’re basically leaving money on the table by not taking advantage of them. About 30% of employees say they’re confused by their benefits package. If you’re one of them, it’s time to break
I recently read a Nerdwallet article that claimed to sum up all the personal finance advice you need in just 6 words. Those words were: “Live off of 80% of your income.” However, I’d argue personal finance is a bit more complicated than that! And depending on your goals, saving 20% of your income may not be enough. Here’s why I save more than 20%
Recently I read an article about how therapy can improve your finances, and I definitely agree. Although therapy itself can be expensive, getting treatment for your mental health condition can free you up to focus on your financial situation. When you’re dealing with depression or anxiety, you don’t have much mental energy to devote to money management. Just getting through the day is tough, let
Financial flexibility is one of the most important skills, especially in uncertain economic times. Life may not always turn out the way you expect, forcing you to reevaluate your financial plans. If you’re unwilling to adjust your budget and money management strategies as your circumstances change, you could get into debt or fail to achieve your goals. Here are four reasons why being financially flexible
No matter how financially disciplined or savvy you are, you’re still bound to slip up occasionally. Whether you’ve made a big or small financial mistake, forgiving yourself is important. It’s unlikely that one financial misstep is going to tank your financial future, so don’t beat yourself up or panic needlessly. Instead, check out these 5 tips and strategies to help you recover from a financial
I’ve always been an introvert, but the pandemic turned me into a total homebody. I thought that once the threat of COVID-19 passed and the world returned to normal, I’d enjoy going out more frequently. But truth be told, these days I don’t leave the house much more than I did during the pandemic. Once or twice a week, I run errands. Sometimes I grab
Many financial experts classify debt as good or bad. So-called good debt helps you buy an appreciating asset like a house or business. Student loans are also viewed as good debt because they can help borrowers gain skills and a higher-paying job. Bad debt, on the other hand, doesn’t help you get ahead like good debt. It’s usually used to buy a depreciating asset like
Growing up, my parents were always generous with everyone around them. My mom would give my teachers Christmas gift bags that were almost as tall as I was. My parents bought a house with a guest suite so my mom’s sisters could live with us to save money. Whenever we’d go out to eat with family or friends, my parents would always grab the bill
Most people think that saving money requires sacrifice and self-denial. However, when I became frugal, I felt like my life got more abundant, not less. And I’ve heard many frugal people express the same sentiment. How can your life feel more full and abundant when you’re spending less money than ever? The answer is gratitude! Adopting a frugal mindset causes you to be more intentional
