Personal finance articles related to our interaction with money in everyday life.
You’re ready to tackle your debt. You need to save more. You want extra money to invest. Or you need to create an emergency budget. Whatever your money goal, you want to find the best ways to cut expenses so you can reduce spending today….
![Financial Rules of Thumb: Important to know [and ignore]](https://womenwhomoney.com/wp-content/uploads/2019/10/financial-rules-of-thumb-1-768x403.jpg)
From a financial perspective, living today and planning for the future are difficult tasks. It takes work to figure out how to allocate our earnings both for our current needs and for investing in our futures, including retirement. Luckily, we can learn a lot from…
If you’re struggling in the paycheck to paycheck cycle or have financial goals you can’t prioritize or stay motivated to meet, a SmartPath financial coach could be your answer. Financial coaches empower clients to save more, pay down debt, and improve their credit scores. They…
Do you want to be a rich? Or would you prefer to be wealthy instead? Most people consider rich and wealthy as the same thing. But contrasting them and considering what they mean on a deep level can make a big difference in your finances….
It happens to the best of us. We set a budget, try to save, and then the end of the month comes, and we’re back in the red. Budgeting and money management are practices many people struggle to master. Fortunately, in today’s mobile world, there…
One of the most common pieces of financial advice is to focus on needs instead of wants. Knowing how to prioritize your needs over your wants truly is an effective starting point. But to take that first step, you need to understand the difference between…
You’re ready to make a significant change or to improve some part of your life. But you’re struggling to do it on your own. You’re finding it challenging to stay on top of “all the things” to know or with motivation or mindset to reach…
As you navigate day-to-day life, you face plenty of challenges. Dealing with issues at work, at home, or with personal situations can be a real struggle. Another thing you might find difficult is accepting responsibility for your happiness and success. While you do plenty of…
You’ve heard the saying, “hope for the best but prepare for the worst,” and maybe you’ve taken it to heart. You’re getting ready to buy life insurance and researching disability insurance plans. Perhaps you’ve even written down some information on ‘in case of emergency documents’….
You get an acceptance letter from your “reach” college. You land your dream job. Your annual review is glowing. You ace a challenging certification exam. You get a promotion at work. Your small business is thriving. These are all examples of times when you should…
You want to do good in the world. That’s incredible. What’s even more beautiful is you’re not alone. In 2018, both volunteering and charitable giving of time and money broke records. Over 77 million American adults engaged in donating time in 2018. During the same…
You landed your dream job but it’s turned into a nightmare because of a difficult colleague in the office. You’ve been a happy employee for years and a new hire is now causing you more stress than you deserve. Maybe you’re re-thinking your whole career…
Whether you believe that money can buy happiness or not, research shows shopping can improve your mood. And while it might only be a temporary fix for some, emotional spending isn’t always a wrong financial move. Plenty of people use retail therapy when they are…
![Why Women Need Life Insurance [and how much to get]](https://womenwhomoney.com/wp-content/uploads/2019/07/why-do-women-need-life-insurance-1-768x403.jpg)
If you have a love-hate relationship with insurance, you’re not alone. You love the peace of mind and protection insurance provides but hate seeing premium payments leave your bank account. Buying health, auto, disability, or homeowners/renter’s insurance helps protect you from being financially devastated by…
Staying focused on your financial goals can be difficult. You know what they are. And you know you’ll be better off if you stick to them. But you also have a lot going on in your life. You may be paying down debt, saving for…
Your credit report contains a great deal of information about your financial past: Your current and past debt balances How often you’ve missed payments Where you’ve applied for credit Information on bankruptcies and tax liens How far behind you are on child support Your previous…
Your family is growing! Whether this is your first time becoming a mom or not, preparing to have a baby brings a whirlwind of feelings, emotions, and worries. One of the biggest concerns moms-to-be face is a financial one. You may have seen estimates that…
Buying a home is exciting. It’s also one of the most significant financial decisions you’ll ever make. So you want to get it right – and you want to get it right the first time. If you’re purchasing your first home, you may wonder if…
Whether you just embraced the concept or you’ve had a focus on becoming financially independent for years, you’re building good money habits and saving for the future. In order to save more, you may be tracking expenses, using a budget, working side hustles or adopting…
![Handling Office Gifting and Soliciting [to not go broke!]](https://womenwhomoney.com/wp-content/uploads/2019/06/desktop-with-laptop-and-office-gifts-a-768x402.jpg)
Like you, your co-worker’s lives are bigger than their jobs. They have birthdays, weddings, start families, retire, and have to sell their kid’s fundraising trinkets. Often, these personal events spill over into the workplace. Depending on the size of your company, it may seem like…
It can be overwhelming to learn how to manage your money and build a financially secure future. Paying down debt, budgeting, tracking expenses, saving an emergency fund, and opening investment accounts take patience and focus. You’ve made good progress some months, but sticking to a…
There’s good debt and bad debt, and there are high credit scores and low ones. There are also high-income households and low ones, and positive net worths and negative ones. While those are some of the many ways people gauge their finances, how do you…
Whether you’re looking for a bargain on your first home, hoping to score a great deal on a bigger house, looking for a house to flip, or investing in another rental property – your attention is focused on foreclosures. But is it a good idea…
When it comes to tipping, there are no hard and fast rules. And everyone does it differently. As a customer, you’re left wondering – when should you tip? Who should you tip? How much? And what if you don’t have any cash? Below is a…
When you’re financially savvy and on your way to a secure retirement, you may believe you already know the steps to achieve financial independence. But when you’re climbing out of debt and just taking control of your money, financial security might seem entirely out of…
While having a clean house and sprucing up your yard might be your goals, have you considered that you can make money with spring cleaning too? As you make your house sparkle, items you no longer use or need can be heading to a new…