Let's be honest, budgeting gets a bad rap. A lot of people think of it as restrictive, boring, or only for people who are "bad with money." But here's the truth: budgeting is simply a tool to help you tell your money where to go, instead of wondering where it went. That said, it's easy to fall into ...

If you have ever felt overwhelmed by debt, you are not alone, you are not stuck, and there is a way forward. One of the best things you can do to regain control of your finances is to choose a debt payoff strategy that fits you. Two of the most popular methods are the "Debt Snowball" and the "Debt A...

We often talk about money in numbers: budgets, credit scores, and savings goals. But the truth is, money is emotional, too. And, for many of us, it carries a heavy past. Maybe you grew up watching your parents argue over bills. You might have lost everything during a crisis. Or, maybe you've been to...

In this economy, many people have turned to side hustles to help supplement their income. Are you one of these entrepreneurs? Maybe you've even been making a little money on the side selling handmade items, offering freelance services, or tutoring after work. Maybe you are starting to do very well, ...

Have you ever felt like no matter how much money you have, it's never enough? Not enough to save? Not enough to rest? Not enough to breathe? Those thoughts are examples of scarcity thinking! Scarcity thinking keeps you stuck in stress, fear, and survival mode. But the good news is that you can learn...

We all have dreams when it comes to money: less stress, more savings, financial freedom, or maybe just peace of mind. Turning these dreams into reality requires more than wishful thinking! It takes clear, intentional goals! That is where S.M.A.R.T. financial goals come in. Let's break down how to cr...

Credit scores can feel like a mystery, but they don't have to. Whether you are trying to buy a home, get approved for a credit card, or trying to build a better financial future, your credit score plays a major role. Let's break down what your credit score means, how it's calculated, and what steps ...

When most people hear the word "trust," they think it's something only wealthy families need. But, the truth is, a family trust can be a valuable tool for many people, not just the ultra-rich. Whether you want to protect your assets, plan for your children's future, or avoid a complicated probate pr...

If life has taught us anything, it's that unexpected things happen. Whether it's a flat tire, a medical bill, a job layoff, or a busted water heater, an unexpected expense can be financially detrimental. An emergency fund can make a huge difference in protecting yourself against hardship. What is an...

What comes to mind when you think about your retirement? Travel? Spending time with family? A new hobby? Whatever you envision, one thing is for certain. You'll need a steady income to support it. Unlike during your working years, you may not be earning a paycheck. That's why it's so important to pl...

Discussing finances with your partner doesn't have to be full of drama Talking about money with your partner can feel awkward, emotional, or stressful, especially if you grew up with different money habits. But, avoiding money conversations can quietly erode trust and increase anxiety. That is why I...

Lasting financial change starts in the mind The way you think, feel, and talk about money shapes every financial decision that you make. That internal voice that you hear when you swipe your card or look at your account balance is your money mindset talking. Let's dive into what that really means an...

Deployments bring a mix of emotions, such as pride, stress, and sometimes even financial confusion. Whether you are the one deploying or you're the partner staying home, this period can stretch households in unexpected ways. One of the best ways to reduce stress is to make sure your finances are pre...

When it comes to financial wellness, insurance is one of the most powerful, and often overlooked, tools. The right coverage can protect your health, income, property, and peace of mind. Here is a simple breakdown of the major types of insurance that you may need: 1. Health Insurance Unexpected medic...

There is no need for guilt, guesswork, or broken budgets If the word "budget" makes your stomach tighten, you're not alone! Most of us were never taught how to manage money in a way that feels both doable and empowering. That is why I often use a different term: spending plan. It may seem like a sim...