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Budget

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Buy Locally

These days, it’s more important than ever to buy locally. Doing so can have a number of benefits for you and your immediate community. Not only can you get some unique items–handmade crafts, clothing, fresh produce–but you also put money back into the area around you directly, rather than just sending it to a large … Read more

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empty wallet pay debt

Debt can be a scary thing, and many people don’t know how to handle it. Sometimes, debt is actually a necessity; you’ll usually have to take out loans to pay for college, a house, or a car. However, sometimes, people go into debt in a much more destructive manner. Americans started 2020 with over $1 … Read more

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preparing to file for bankruptcy

Bankruptcy is a word that scares most people. For many individuals, bankruptcy is simply seen as the very last option. It’s something that destroys your financial reputation and essentially wipes out any credibility you have. In fact, bankruptcy can give struggling people a second chance. Although it definitely has a number of consequences, declaring bankruptcy … Read more

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building emergency savings fund

Many people have a savings account for things such as vacations, taxes, and other important expenses that they can predict. However, what do you do when something happens that you can’t predict? That’s when a rainy day fund can really help. Creating a rainy day fund isn’t actually that difficult, and it can help you … Read more

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Retirement

When do you plan to retire?

The average age of retirement used to be 65. Americans would plan for decades to make sure they were financially secure, and rely on social security benefits to help them enjoy their golden years. These days, however, things are different.

65 is no longer seen as the standard age when people retire. More of us are planning to work later in life; sometimes until we just can’t work any longer. For some, this is a personal preference. For millions more, this is a difficult and inescapably harsh reality.

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