Beating Inflation: A Spending Plan Even Congress Might Agree On (Someday)
From 2018 to the end of 2024, the cost of living has shot up by 36.8%. If you spent $50,000 a year in 2018, you’d need $68,400 today to maintain the same lifestyle. And if we narrow it down to just the last three years? Prices have risen by 21.3% since 2021—that’s a lot of extra cash just to keep up. So, while Congress debates, vetoes, and reintroduces plans that may or may not ever see the light of day, here’s how to take control of your own money, stretch your dollars further, and ensure you’re running your household better than DC runs the country.
Read MoreBreaking the Paycheck-to-Paycheck Cycle
Living paycheck to paycheck means relying entirely on each paycheck to cover expenses, with little to no savings or financial cushion. Typically, this means spending 95% or more of your income on expenses, leaving little room for an emergency fund, debt reduction, or unexpected costs. If income were delayed or stopped even briefly, essential bills and obligations could not be met without going into debt.
Read MoreUnlock Financial Peace of Mind: Simple Steps to Organize Your Money
When your finances aren’t organized, it can feel like you’re constantly juggling without a clear direction. The uncertainty and stress of managing money without a spending plan can impact your peace of mind, your relationships, and your ability to reach your goals.
Read MoreDebt Reduction Strategies: Snowball vs. Avalanche vs. GPS Method
It’s a brand-new year—a time for fresh starts, bold goals, and a renewed focus on what matters most and to Get Your Priorities Straight. If one of your resolutions is to take control of your credit card debt, you’re not alone. Millions of people are looking to improve their finances, and having a clear strategy is the key to turning your goals into reality.
Read MoreFinancial Denial: The Silent Budget Killer
Life moves fast, and it’s easy to avoid confronting our financial habits. But that avoidance—known as financial denial—can quietly wreak havoc on your budget and long-term financial well-being. Let’s unpack what financial denial looks like, why it’s so harmful, and how you can break free.
Read MoreIntentional vs. Unintentional Spending: How Being Proactive Can Transform Your Finances
As the holiday season approaches, are you starting to feel the familiar stress of rising expenses? It’s the time of year when costs have a way of creeping up—whether it’s holiday travel, gift buying, or entertaining loved ones. Have you found yourself wondering how much you’ll end up spending this year, or are you prepared to handle the seasonal splurge without derailing your financial goals?
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