How To Control Spending With A Simple Budget

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Have you wanted to manage your money better but didn’t know how to start? I know that I can do better for us, especially our kids, so they learn good habits. I know I am not alone. Ultimately, our goal … Read More

9 Ways To Avoid Financial Infidelity

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“From hidden debt to secret expenditures, lying about finances can cause a marriage to go into default.” Kimberly Foss, CFP   The US divorce rate among young people under 30 years has been dropping to below 50% since the early … Read More

How To Save Money When Grocery Shopping

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The pandemic has reshaped our lives in many ways. We are home more due to social distance, remote work, distance learning, traveling, and dining out less. We have spent more on grocery shopping to accommodate this “new normal” lifestyle.  We … Read More

18 Personal Finance Ratios You Should Know

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Do you want to get a better sense of your financial health now? Personal financial ratios can give you a picture of your proper financial health and progress relative to your goals  These benchmarks can help you develop better financial … Read More

What Is A Current Ratio And Why Does It Matters

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Running out of cash can be a frightening experience. It is one thing when you are in a restaurant, and you leave your wallet at home. However, it can be quite stressful to realize you have a potential cash flow … Read More

10 Tips To Diversify Your Investment Portfolio

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“How many millionaires do you know who have become wealthy by investing in savings accounts? I rest my case.”  Robert G. Allen When you have some savings, it is good to invest and allocate your money to work. Most importantly, … Read More

How Our Emotions May Lead To Irrational Money Decisions

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“People do not buy goods and services. They buy relations, stories, and magic.” Seth Godin As consumers, we are often driven by our emotions. Neuroscientists have learned that nearly 95% of all our decisions are made emotionally and intuitively. The … Read More

Better Financial Literacy May Help The Racial Wealth Gap

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I grew up in a racially diverse Bronx neighborhood. It wasn’t until I worked on Wall Street as a financial professional that I encountered people with homogenous backgrounds. Specifically, my colleagues were mostly white people who appeared to be far … Read More

Coronavirus: Protect Your Finances And Your Future

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“When we are no longer able to change a situation, we are challenged to change ourselves.” Viktor E. Frankl, Man’s Search For Meaning Our values are tested during a crisis. We have learned that we need to make certain changes … Read More

Why Women Need Their Own Financial Accounts

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“For women, financial independence is a matter of necessity.” Carrie Schwab-Pomerantz Financial independence is essential for everyone. Women have lagged in gaining autonomy, being more reliant on their spouses for money than is healthy. They have made significant progress in … Read More

18 Tips To Pay Back Student Loans Faster

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You have probably been hiding under a rock if you haven’t heard a lot about the growing US student debt burden. These loans are a weight on those who carry these amounts early in their careers. For some, it may … Read More