Budgeting for Couples: How to Adopt a Budgeting Lifestyle

Budgeting for couples may require more effort and attention than budgeting on your own. But it's a habit that many couples desperately need to learn. A recent Magnify Money survey of over 1,000 Americans revealed some alarming facts about marriage and money. One in five couples that responded to the survey regretted combining finances with their spouse. And 21% of respondents cited finances as the primary cause of their … [Read more...]

How to Automate Your Savings (Step by Step Banking Guide)

We all want to save more money, but for most of us, that’s way easier said than done. Saving more money means you need not only the intent to save but also the discipline to follow through with it. Most of us have the good intention to save part down pat. It’s the action part that usually hangs us all up. When you automate and separate your savings, you’re setting up a system to regularly save money with automatic bank transfers to … [Read more...]

Everything You Need to Know to Get Out of Debt

Debt is a vicious cycle, and once you're stuck, it's very difficult to get out. I signed up for my first two credit cards in college (you know, to get the free t-shirt). By the time I left college I had a decent amount of debt and two worn out t-shirts. I wasn’t paying this off every month and so I was paying 20% or more in interest charges. Looking back, it’s hard to believe I left college with this debt. After all, I graduated … [Read more...]

Best and Worst Ways to Spend Your Stimulus Check as a Business Owner

On March 27th, President Trump signed the CARES Act into law. It provides over $2.2 trillion of financial relief for individuals and business owners who are reeling from coronavirus shutdowns. The CARES Act is a sweeping piece of legislation that introduces a wide range of economic relief programs. But it also instructs the Treasury Department to send direct payments to United States citizens. Each eligible citizen will receive a … [Read more...]

Expecting a Stimulus Check? Here’s What You Need To Know

Fast FAQs About Stimulus Checks (i.e. Economic Impact Payments): Up to $1,200 for individuals or $2,400 for married couples and up to $500 for each qualifying child Based on 2019 or 2018 data, depending on when you file your 2019 return Deposit payments will begin to roll out on April 9th, with checks being issued April 24th Self-employed individuals should look beyond the stimulus payment at other CARES Act benefits [Read more...]

Time Management Tips [And Free Online Tools] For Entrepreneurs

All of us are out there trying to make the most of our time. This is especially true for those of who have a side hustle. How can you balance the increasing demands on your time as a full-time employee with a side hustle? After you try to fit in all of the work tasks in addition to your personal responsibilities, it can feel like there just aren't enough hours in a day.  Luckily, you don't need to spend a dime to stay … [Read more...]

Things to Save Up For – Plus Our Savings Goals (2007-2020)

One of the best goals you can make for your financial life is to save more. More savings can do a lot for you: create more security and provide more opportunities. And more savings - if invested properly - can lead to the creation of income-producing assets, setting you and your family up for a lifetime of financial success. Each year I jot down a list of cool things to save up for - our personal savings goals - and share them here … [Read more...]

Improve Your Credit Score with Our Ultimate Guide to Credit

  This post is brought to you by Experian. While this was a sponsored opportunity, all content and opinions expressed here are my own. Have you ever wondered exactly what it takes to build a good credit score? Maybe you've made some credit mistakes in your past and you're wondering how to fix them. Or perhaps you've wondered if your credit score even really matters. No matter what questions you have about credit, you're sure … [Read more...]

Radius Bank Rewards Checking Account Review

  Radius Bank has retired its Hybrid Checking Account. It has been replaced with a new account called their Rewards Checking Account. The two accounts are similar but the Rewards Checking earns cash back on purchases made with the debit card. This is an amazing feature you won't find on most checking accounts. That's definitely an upgrade from the Hybrid Checking. Radius Bank's Rewards Checking Account earns 1% interest … [Read more...]

Do You Need Insurance For Your Internet Business?

Killer internet business idea: check. Business plan: check. Domain name: check. Customer base: check. Insurance: ch…wait, what? For many internet business owners, internet business insurance is not one of their first (or even fifth) concerns. While no traditional small business owner--with stock to lose, a storefront to maintain, and payroll to meet--would consider operating without insurance, many internet startups do just … [Read more...]

Meet Fabric: The One-Stop-Shop for Life Insurance and Basic Estate Planning

  My husband and I purchased 20-year term life insurance policies several years ago. We had just welcomed our second son--and lost my father--the year before. Prior to my father's death, my husband and I only carried the life insurance we were able to get through his workplace. His policy would replace one year's worth of his income, and the small spousal policy that I carried would pay out $15,000. But we both realized this … [Read more...]

18 Frugal Living Tips Plus How to Beat Frugality Fatigue

Frugality is having a moment. A lot of us are embracing frugal living these days, and for good reason. Frugality can open up a lot of opportunities in our lives. It puts us more in control of our money and helps us to determine what’s most important to us. Living frugally means making intentional choices with your everyday spending. It means mapping out your financial—and life—goals and then aligning your spending to help you … [Read more...]