Author: Brittney Awad
Financial Counselor vs. Financial Coach
You may be wondering, “What is the difference between a financial coach and a financial counselor?” And, “Which one can help me better?” These terms are interchangeable. I prefer the softer feeling of the term “financial counselor”, but both positions will educate you and guide you to achieve your financial goals. Both positions will refer…
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Politics Always Affect Personal Finances
You can’t talk about money in this world without talking about the social/political makeup of this country. According to Empower, 37% of Americans cannot afford an emergency cost over $400. Let’s think about that for a second. Just over a third of Americans cannot afford a $400 unexpected expense. Here are some more stats from…
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Making a Financial Plan When the Economy Feels Hopeless
It is hard to talk about money without talking about the economy and the current political climate. Making a financial plan when the economy feels hopeless is harder than most people admit. On top of having an economy that is being tanked by political policies and uncertainty, so many of us are at a disadvantage.…
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2024 Costs of Buying a Car: What to Know
Purchasing a car is a significant financial decision for most individuals and families. In 2024, the cost of buying a car is influenced by various factors, including market trends, technological advancements, supply chain dynamics, and economic conditions. This article aims to provide an in-depth analysis of the costs associated with buying a car in 2024,…
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Safeguard Your Wealth: The Necessity of Insurance
In the realm of personal finance, understanding and managing risk is crucial for maintaining financial stability and achieving long-term goals. Financial risk encompasses a broad spectrum of uncertainties that can affect your financial well-being, ranging from unpredictable market fluctuations to sudden and unexpected personal emergencies. These risks can pose significant threats to your financial health…
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Mastering Student Loan Repayment: Empower Your Path to Financial Freedom
Student loan repayment can feel like a daunting journey, but with the right approach, it can also be a step towards financial freedom. Understanding the various repayment options available is key to managing your student debt effectively. Moreover, in recent updates, the introduction of the Student Aid Verification for Eligibility (SAVE) plan has replaced the…
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Determining Your Values and Aligning Them with Your Budget
In the realm of personal finance, a fundamental yet often overlooked aspect is the distinction between what you can afford and what you are willing to spend. Understanding this balance is crucial for maintaining financial health, achieving long-term goals, and ensuring peace of mind. Additionally, aligning your financial decisions with your personal values ensures that…
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What You Can Afford Vs. What You’re Willing To Spend
In the realm of personal finance, a fundamental yet often overlooked aspect is the distinction between what you can afford and what you are willing to spend. This differentiation is crucial for maintaining financial health, achieving long-term goals, and ensuring peace of mind. Understanding this balance requires a deep dive into the principles of budgeting,…
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Filing for an Extension and Understanding Tax Penalties: What You Need To Know
Tax season often brings a sense of urgency and stress as taxpayers rush to compile their documents and file their returns by the April deadline. However, circumstances aren’t always ideal for meeting these deadlines, and sometimes, filing an extension is necessary. Understanding how to file for an extension properly, and the implications of tax penalties…
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Free Bi-Weekly Budget Template and User Guide
I will go over everything you need to know about using the free bi-weekly budget template including where to put your income and expenses, how to use the income estimation box on the side, how to make new sheets within the spreadsheet, and how to copy the spreadsheet for a new year. You can see…
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The Best Account To Save Money In: Comparing Different Options
Saving money is an important aspect of personal finance. It allows you to have a safety net in case of emergencies or unexpected expenses. There are different kinds of accounts that can be used to save money, so what is the best account to save money in? In this blog post, we will describe four…
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Maximizing Your Wealth: Strategies For Improving Your Net Worth
When it comes to finances, there are many metrics that people use to assess their financial health. One of the most important metrics is net worth. Net worth is the value of everything you own minus the value of everything you owe. It is a way to measure your overall financial position and is a…
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Goal Setting Made Easy: Breaking Down Your Objectives Into Actionable Steps
Setting goals is a critical step in achieving success in any aspect of life. Whether it’s personal or professional, goals give you direction, motivation, and a sense of purpose. However, setting goals is not enough; you need to set them effectively to achieve them. In this blog post, we will discuss how to set goals…
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What’s On Your Credit Report: Everything You Need To Know
Your credit report is a crucial tool that lenders, banks, and credit card companies use to evaluate your financial history and determine your creditworthiness. So, what information is on a credit report? It contains a wealth of information about your financial habits, including your credit accounts, payment history, and outstanding debts. In this blog post,…
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AFC vs CFP: Choosing the Right Financial Professional
Managing personal finances can be a daunting task, particularly in the current economic climate. With so many financial products and services available, it can be challenging to know where to begin, let alone how to make informed decisions about money management. This is where financial planners and financial counselors come in, providing advice and guidance…
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