Recent Posts
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How to Teach Your College Teen About Credit Cards
It starts with a free T-shirt. Your college kid walks across campus during welcome week, and someone in a tent offers them a Frisbee, a slice of pizza, or maybe a branded beach towel all in exchange for filling out a credit card application. It’s such a small moment that barely registers. But like so…
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How to Raise Financially Smart Kids
Most people don’t remember the first time they saw money. But everyone remembers the first time it meant something. Maybe it was a crumpled dollar stuffed in a birthday card. Maybe it was handing a five to a cashier and getting change. Maybe it was saving coins in a jar for a toy that, by…
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How to Live Well While Spending Less
There’s a story we’re told from the beginning: spend more, live better. More income means more options. More options mean more happiness. Or so it seems. But spend enough time watching how money actually shapes lives and you start to notice a pattern. Not an exception, but a rule: the people who live best are…
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The Truth About Buy Now, Pay Later Schemes
A few decades ago, if you wanted something you couldn’t afford, you had two choices: wait or borrow. Waiting built discipline. Borrowing built debt. Now we’ve added a third option that feels like a loophole in time: Buy Now, Pay Later. The pitch is simple and appealing: put down 25%, get your purchase today, and…
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How to Avoid Debt on a Low Income
If you’re living on a low income, staying out of debt can feel like walking a tightrope in the wind. There’s little margin for error. One unexpected bill, one missed paycheck, one emergency and suddenly, you’re slipping into the spiral of borrowing just to get by. But it is possible to avoid debt, even when…
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How to Use Cash Envelopes to Control Spending
A lot of financial tools try to teach you how to think about money. The cash envelope system does something different as it forces you to feel it. We’ve all heard that money is easier to spend when it’s invisible. In the past, you handed over a twenty and felt it leave your fingers. Now,…
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The Most Dangerous Word in Your Budget
Let’s talk about a word that might be quietly draining your bank account and it’s probably not the one you think. I’m not talking about “debt” or “splurge” or even “overdraft.” I’m talking about a tiny phrase that slips into our thoughts and conversations all the time: “It’s only.” “It’s only $5.”“It’s just a little…
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How to Make a Debt-Free Vision Board
Debt has this strange way of shrinking your future. You still live your life, but with boundaries. A monthly payment here, a little guilt there. The weight isn’t always heavy, but it’s constant until it’s gone. Then suddenly, everything feels wider, like someone opened the windows in a room you didn’t know was stuffy. But…
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What Happens to Debt When You Die?
It’s not fun to think about. But just like we plan for retirement, buying a home, or paying for college, we should also be thinking about what happens after we’re gone especially when it comes to money. And if you’ve ever wondered, “What happens to my debt when I die?” you’re not alone. The short…
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How to Fund Big Goals Without Loans
“How are you going to afford this?” It’s easy to believe that big goals require big funding. That unless you have investors, a loan, or a six-figure savings account, your dreams have to wait. But history tells a different story. A more interesting one. Most great things were built with limited resources and unlimited effort.…