The Effect of Time on Investing
Investing can seem like a very risky, complex and fast-moving process. With endless combinations of investment vehicles to choose from,
Where You Seek Financial Advice Says A Lot About You
How did you decide where to open your first bank account? Where did you learn to budget or pay bills? If you have a money question now, what do you do? Who do you turn to?
Raising Your Chances at Landing That Raise
Some people say “More money, more problems.” Well, that’s not what I’ve experienced—especially when it comes to negotiating wages and asking for raises. In the employment world, consider yourself a product and your wage as the company’s investment in you. It’s time to show the company a high ROI, and pitch the case for a higher investment. From economic inflation to employee retention, there are many reasons to ask for a raise. When the time came for me to request a raise, I took a few steps to increase my chances of success.
The Benefits of Having a Savings Account While in College
College offers students many unique opportunities for novel experiences and personal introspection. Many who attend college find that those experiences change them for the better; improving their self-awareness and understanding of the world at large. However, the college years are more than just a time to gain valuable job skills or a deeper appreciation for an academic subject.
Holiday Shopping Tips – No, it’s NOT Too Early
Believe it or not, the holidays are here. I hate to be the one to break it to you, but you probably only have like 6 more paydays till Christmas. Factor in your car payment, rent, utilities, tuition, happy hours – whatever you spend your money on – and you don’t have a whole lot left for gifts this year if you don’t take initiative now.
Low Interest Savings vs High Interest Debt
We’re constantly told to save, save, SAVE! Have an emergency fund, a rainy day fund, a college fund. But we’ve also been told to get rid of debt… To pay it all off… Don’t charge ANYTHING. Where’s the happy medium? Should I really have six month’s income in a savings account when I owe thousands in student loans? Yes and no.
Not-So-Common Cents
Growing up is tough. You’re expected to get a job or go to school right away. It’s become the societal norm to instantly move out of your parents’ house… and then maybe buy a car. Or get a couple of credit cards. Don’t get me wrong – credit is important. But it can make you or break you. Here are a few (unfortunately) not-so-common sense tips to follow:
Boosting Your Credit Score: 4 Myths Debunked
Credit scores are an area of personal finance that seem a lot more mysterious than they actually are. Many people believe that improving them is a matter of trial and error and, as a result, there’s a lot of “credit score advice” floating around that can end up doing more harm than good. Four common credit score myths have been rounded up and debunked below:
Commuters Unite
Commuting sucks. There, I said it. I lived on campus for about five minutes my freshman year. I loved it… Until I realized that I don’t like dorm rooms or bunk beds enough to pay $800/month. (Also, the food in the dining halls wasn’t as good as my mom’s.) I moved back home shortly. But, I will admit that commuting was difficult for me. That first semester, I lived at home with my parents, about 30 minutes from campus. Here are a few tips…
College Tuition: More Bang for Your Buck
College tuition rates have sky rocketed 1200% in recent months. In fact, some studies show that some of the facts I use are exaggerated or even totally made up.
On a serious note, college tuition is no joke.
Saving for a Big Purchase
The time has come. You need a new computer or maybe a new car. Mom and Dad can’t help you forever. It’s time to do it yourself. Here’s a guide to saving for a big purchase.
Eating Well When You’re Broke
So you’re trying to be healthy now? Good for you. Unfortunately, it’s gonna cost you, whether you live at home or you’ve got your own place now. Fresh, organic, non GMO – None of this comes cheap. So here’s a How-To on eating well… with limited funds: