Category: All Posts
This category contains all of the posts from all of the subcategories: budgeting, saving, credit, when to see a professional, and resources.
What Is A Financial Counselor?
Managing finances can be a daunting task for many people, especially when unexpected expenses or changes in income occur. A financial counselor can offer guidance and support to individuals and families to help them manage their finances effectively. They help clients create a budget, reduce debt, save for the future, and make informed financial decisions.…
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Discover Locus Of Control And It’s Powerful Impact On Financial Well-Being
Personal finance is a topic that affects everyone, regardless of age, income, or background. At its core, personal finance is about managing our money in a way that aligns with our goals and values. While there are many different strategies and approaches to managing our finances, one important factor to consider is our locus of…
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The Inextricable Link Between Personal Finance and Complete Fulfillment
Fulfillment in Maslow’s Hierarchy Maslow’s Hierarchy of Needs is a well-known psychological theory that outlines the fundamental needs that human beings strive to fulfill to achieve happiness and a sense of fulfillment. According to Abraham Maslow, individuals must fulfill their physiological needs, safety needs, love and belonging needs, esteem needs, and self-actualization needs in a…
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Three Reasons Why Building Credit is Important
Credit plays a vital role in our lives and is critical to securing many of the things we desire and need. In this modern world, having good credit is incredibly important. It affects our ability to borrow money, secure a loan, and even get a job. Here are three reasons why you should start building…
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How Are Credit Scores Calculated? Learn Here
There are different ways that credit scores are calculated. Unfortunately, there is no agreed-upon method that all firms, credit unions, banks, etc., use to calculate credit. FICO and VantageScore are the most used models for credit scoring, but there are a few other scoring models. There are also a variety of scores made for specific…
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How To Budget Better
Do you struggle to maintain your budget? That’s okay. A lot of people do. I’d like to help you learn how to budget better. Budgeting is an important part of managing money effectively. It helps you plan for the future and keep track of your spending habits. This guide will teach you how to start…
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How to Get Into a Good Budgeting Mindset
Budgeting is a lot easier to keep doing when you think positively about it rather than negatively. It is important to think of budgeting as something that can help you achieve your goals instead of something that only takes up your time. I use the phrase “spending plan” because it feels more positive to me…
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What Are The Types Of Budgeting? Learn Here
Budgeting is a financial plan for tracking, maintaining, and preparing your finances. Another term for budgeting is “spending plan”. The word budgeting can bring up negative thoughts of inflexibility and can feel like it is something tedious you have to do to get out of a mess. The term spending plan may feel more positive,…
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Free Weekly Budget Template & User Guide
I will go over everything you need to know about using this spreadsheet 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 download your free…
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How To Find A Way To Budget
Intro There are several ways to budget, and it’s just a matter of finding the way that works for you. One way to do that is by your learning style – if you know which style is yours. Another way is deciding whether you want to be hands-on with your budget or not. The third…
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Why You Should Save Money
Essentially, saving can help you attain financial independence. Saving will help you get ahead of expenses, which can mean saving for a house, car, and even more minor expenses like a flat-screen TV or a new phone. Actively saving money means you will be prepared for both planned and unplanned expenses, like saving for a…
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How to Start Saving Money in 3 Simple Steps
Saving money doesn’t have to be hard or intimidating. With a few simple steps and some discipline, you can be on your way to financial freedom! Discover 3 easy steps to start saving money and create a budget that works for you in this guide. Step 1: Create a budget with saving money in mind…
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4 Ways to Build Credit Quickly
This article will teach you how to build credit and improve your credit score. The 4 ways to build your score are to pay off debt, increase your credit line, spend within your means, and avoid bad credit loans. You can learn the basics of credit here. Pay Off Debt to Build Credit If you’re…
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What is Credit? Learn Here
If you are new to the world of credit, your first question is probably, “What is credit”? Credit is a contract between a buyer and seller stating that the buyer will have the ability to borrow money or access products or services with the promise that they will pay back the money or services at…
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