Creating a monthly budget can be intimidating the very first time, “What do I include in my Monthly Budget?” Every little purchase starts to add up so it’s important to not overlook even the small insignificant seeming stuff. Setting up …
Definition of Zero-Based Budgeting Zero-based budgeting is the process of creating a financial game plan that assigns a purpose to every dollar you make. The purpose or expenses then get subtracted from your monthly income. The desired result is a …
We had talked about kids before marriage, agreeing it was in our future, but never set a concrete date to start trying. To be honest I was enjoying life. We were happy, traveled spontaneously, drank a little more than we …
Discount Points When comparing mortgage rates you may notice that lenders offer different interest rates based on “points.” So how do mortgage points work? Mortgage discount points are a percentage-based fee you pay at the mortgage closing date in return …
Shopping for a mortgage? What is the difference between a mortgage interest rate vs APR? A simple understanding can save you a ton of money on your loan. Interest Rate: Mortgage interest rates are a percentage-based number that will be …
Most Americans live with growth-crushing credit card debt and it makes me sick. Unfortunately, only a solid debt payoff plan is going to efficiently get you to your goal of debt-free living! Reasons Americans are getting into credit card trouble …
401k and 403b Before-Tax Limits The IRS has set limits on how much an individual can contribute each calendar year to their employer-sponsored retirement plans. For 2023, the max contribution to a 401k is $22,500 up from $20,500 in 2022. …
If 2020 hasn’t convinced most people how important an emergency fund is, then there might not be anything that will! But how much for an emergency fund should you plan on saving for? Let’s find out! What is an emergency …
Not using the countless money-tracking apps available to you in this tech age may be putting you at a severe disadvantage, but fear not! This guide of the best budgeting apps will give you the know-how to choose which one …
Been reading much about personal finance lately? Well, there’s an extremely divisive argument being made about your coffee habits and retirement. It’s known as the “latte factor”. The “latte factor” states,”Cutting out your daily coffee will give you enough money …
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