Recent Posts
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How to Pay Off a Car Loan Early
A car loan is often the first meaningful debt many people carry outside of student loans. It’s large, persistent, and tied to an object that quietly loses value every mile you drive. Paying it off early can feel like lifting a weight off your shoulders. But like most things in personal finance, it’s not always…
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Should You Rent or Own Your Cell Phone?
What if I told you your cell phone could be a mirror for how you spend your life energy? It sounds dramatic, but, whether you buy your phone outright or opt to finance it, you’re making a choice not just about money but about freedom, values, and intention. The cost might look the same on…
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The Truth About Debt Forgiveness
The idea of debt forgiveness sounds like a fantasy, doesn’t it? A clean slate. A letter in the mail saying, “You don’t owe this anymore.” Like a fairy tale where the weight you’ve been carrying is suddenly lifted. But the truth is more complicated, more nuanced than that. Debt forgiveness is real, but it’s not…
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The Lazy Person’s Guide To Debt Traps
Debt has a way of sneaking up on us. One swipe of a card here, a quick loan there, and suddenly, you’re juggling balances, stressing over bills, and wondering how it all got so complicated. You’re not alone and you’re not a failure. The truth is, our financial system is filled with traps that are…
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How to Use Windfalls Wisely
A windfall can feel like the universe just handed you a miracle. A bonus at work, a tax refund, an inheritance, or even winning a prize. Money you weren’t expecting shows up, and for a moment, life feels full of possibility. And it is. A windfall is more than money. It’s a pause. An invitation…
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The Lie We All Believe About Money
We like to think we’re honest with ourselves when it comes to money. But if we’re being truly truthful, most of us are carrying around a handful of beliefs about money that just aren’t based on facts rather they’re based on feelings. Hopes. Fears. Things we picked up from our parents or social media. And…
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How to Budget With an Irregular Income
Budgeting is way easier when you have a predictable paycheck showing up like clockwork. When you don’t? It can feel like trying to do yoga on a tightrope. You’re constantly adjusting, balancing, hoping things don’t fall apart before the end of the month. But if you’re a freelancer, consultant, artist, contractor, or anyone else whose…
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Want to Be Rich? Do This Before 9 AM
If your financial life feels like a bit of a mess with credit card debt piling up, never quite enough left at the end of the month, the gnawing stress of “how am I ever going to get ahead?” Well you’re not alone. And you’re definitely not stuck. Because here’s the thing: wealth doesn’t happen…
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The “Debt Snowball” Method Everyone’s Obsessed With
There’s a kind of magic that happens when you get your first taste of progress. It’s that lightening feeling when one of your credit cards reads $0. Not because you transferred it somewhere else, but because you paid it off, little by little, on your own terms. That’s the power of the debt snowball. The…
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Avoid These Common Debt Traps
Debt is not just a number. It’s not just a bill in the mail or a line on your credit report. It’s a weight. A pressure on your chest when you lie awake at night wondering how you’ll make it through another month. And yet, the most dangerous thing about debt is how quietly it…