Author: Juliana A

Unfortunately, personal finance is not something that’s normally taught at schools. As a consequence, the vast majority of the population is not financially literate. Research shows that over 50% of Americans live paycheck to paycheck, and 58% only have $1,000 saved. Another study shows that 75% of the American population believe that they’d be happier […]

Have you overspent this month, and now you’re worried about how to survive the rest of the month? Is it keeping you awake at night and giving you anxiety?  If you’re experiencing this and don’t know what to do, it’s crucial to make the most out of the small amount of money you have available […]

Everyone needs to relax and treat themselves every once in a while for their mental health to keep up with their daily routines without burning out. Many people believe that they need to spend a lot of money to pamper themselves, but that’s not entirely true. There are many ways you can treat yourself on […]

Digital payments are becoming way more modern, faster, and widely accepted each day. Carrying a lot of bills and coins is no longer necessary if you don’t want to. You can send money to a friend with a touch of a button, even if you don’t have the cash with you, or pay for something […]

Saving money definitely requires some sacrifice and discipline. It is a lot easier to give in to daily impulses, such as buying things just for the momentary pleasure it brings, or going out with friends frequently and getting a huge credit card bill later. However, it’s a known fact that saving money is necessary. But […]

If you carry a lot of debt, there’s a big chance you’re familiar with debt collectors calling or sending letters to you multiple times during the day. They might try to intimidate you and use predatory tactics to make you pay what you owe with lots of interest on top of it; therefore, you must […]

No one wants to keep the same salary forever. At some point, you’ll likely want a salary raise. You won’t always get raises automatically– sometimes, you have to ask for them. Unless you continuously jump from job to job to pursue higher pay, you will probably have to negotiate better pay at some point. Why […]

As a parent, you probably want your son or daughter to learn how to be responsible adults. Most parents focus on teaching how to do chores, do well in school, social skills, etc., but often overlook an important skill – managing money.  They should learn about it from an early age so that they become […]

The advantages of getting a part-time job as a teenager are plentiful. Teenagers can score extra cash, save up for college, or help their parents out with groceries or other bills. Some teenagers just love getting to fill up some free time where they may otherwise be very bored! Even better, teens can gather up […]

When you use a debit card, the purchase’s total is discounted directly from your checking account. On the other hand, when you use your credit card, the purchase will be taken from your credit line.  That makes a big difference when it comes to fraud. Most credit cards come with zero fraud liability, but debit […]