How to Create a Personal Financial Plan

Financial plans are underrated. This makes sense because life is chaotic and the last thing people think of when it comes to spending money is planning how to spend money. Creating a financial plan sounds like too much work, but that is actually a myth. Besides, compared to the benefits of a financial plan, you…


Best Examples of Financial Goals and How to Achieve Them

If you have financial goals and feel like you will never achieve them, then you may simply be missing the steps. Almost any goal someone has can be broken down into manageable steps. Each step brings you closer to your goal. When you want to figure out how to break down your financial goals, looking…


Does Death Discharge My Student Loan?

Since death is such a serious event and something that people do not have full control over, many people wonder how this affects their finances and debts such as student loans. The answer depends on who passed away and what that deceased person’s relationship with the loan lender is. Whether student loans are discharged after…


Top Personal Loan Scams to Avoid

Scams are everywhere nowadays, in-person and online. You cannot avoid them unless you know the top red flags of online scams. Once you know these, you can choose the right personal loan for you instead of a personal loan scam that could drain your finances. Even if you find yourself dealing with the aftermath of…


Top Reasons to Study Finance

Studying is not the most enticing word to hear and neither is the word finance. However, many people are struggling financially for one simple reason, a lack of knowledge on personal finances. Even studying a little bit about finances can significantly improve the way you manage your money. Studying finances can also help you avoid…


How Can I Escape My Expensive Medical Bills?

Everyone with little to no health insurance knows how expensive medical bills can be. A simple medical test or operation can cost up to thousands of dollars, even with health insurance. While you can often pay off your medical bills in chunks on a monthly basis, the amount you have to pay can still be…


The Most Common Mistakes People Make When Paying Off Debt

Paying off debt is not something anyone wants to deal with but is a reality in life that will continue coming back until the debt is taken care of, one way or another. There are nearly just as many bad ways you can pay off debt as there are effective ways. Falling into the trap…


Is Tracking My Spending Really That Helpful When Trying to Resolve Debts?

Many people wonder whether tracking their spending is really worth the time and effort. Not everyone has the same schedule and some people are far busier than others. Part of deciding whether tracking your spending could make a real difference in your finances involves weighing the pros and cons of tracking your spending. Exploring various…


The Financial Dangers of Impulse Buying That Affect Many People

People tend to spend more money when bored, longing for something, or feeling like they deserve something for all their hard work. These are common rationalizations for impulse buying, something that can happen to anyone who is financially frustrated or conflicted. Sometimes life is too short, and you want to buy that thing you always…


The Most Common and Effective Budgeting Plans

One of the main ways you can avoid bankruptcy is by creating a budgeting plan that works for you. Not every budgeting plan works for everyone, which is why finding the one that best fits your financial situation is so important. A budgeting plan can do wonders for saving, investing, and accomplishing your financial goals….


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