Forget About Your Net Worth…Focus on Your Future Value

focus on future value

Personal finance bloggers are in love with the topic of net worth these days. It’s their main measure to see how well you’re doing financially, but is it really the right measure? Is there something else better out there? I certainly think so… Ask me, and I’ll tell you to focus on your future value.

Focus on Your Future Value, NOT Your Net Worth

You’ve been reading personal finance blogs for years…and you’ve continually followed that same old tired advice…

Get out of debt Save money Build your net worth…

While this isn’t necessarily bad advice (I give it all the time), I think it’s time to broaden your horizons a bit and learn something even more meaningful. It’s time to branch out beyond the simple net worth calculation and bring on a whole new formula that will not only let you gauge how well you’re doing in the present, . . . → Read More: Forget About Your Net Worth…Focus on Your Future Value

How to Live Your Best Life – 4 Assessments to Get Started

live your best life

So, who are you REALLY? Not quite sure you know the answer? It may be time to take a test to find out so you can finally figure out how to live your best life.

Live Your Best Life – 4 Assessments to Get Started

This post has been written by our staff writer, Kerah Kemmerer.

It’s likely you’ve been required to take a personality assessment at least once in your lifetime. At least, it’s not uncommon for employers to require these types of tests when on boarding a new team member. But how useful are these assessments and can you really get to know yourself better by taking them?

I personally believe these tests can help you can gain some valuable introspective insight, but go ahead and decide for yourself. Can’t hurt to try if you are seeking out ways to live your best life.

Where it all began . . . → Read More: How to Live Your Best Life – 4 Assessments to Get Started

From Welfare to Well-Off: How Single Moms Can Finally Get Ahead

how single moms can get ahead

We’ve all probably heard of the common stereotypes about single moms. One of the most common stereotypes involves money – more specifically how single moms don’t have much of it. This is something I definitely did NOT want to become my reality. Stereotypes are only true if you allow them to be. For me, it was time to figure out how single moms can get ahead (instead of being left in the dust socially and financially)!

How Single Moms Can Get Ahead (Finally)

This is a guest post written by Choncé, a freelance writer who’s obsessed with frugality and helping others increase their savings rate, pay down debt, and work toward financial stability. Check her out over at My Debt Epiphany.

In 2013, I found myself living as a single mom and utilizing government assistance to get by. While my story starts off rough, I went from low-income and struggling . . . → Read More: From Welfare to Well-Off: How Single Moms Can Finally Get Ahead

The Top 6 Reasons Why You Need A Side Hustle

reasons why you need a side hustle

Gone are the days of job security. And while that may not come as a huge shock, you’d be surprised at how many people don’t have a backup plan should they face a layoff, get let go, or even be involved in a government shutdown. If the last few years haven’t shown you why you need a side hustle, these reasons alone should motivate you to get one.

Top 6 Reasons Why You Need a Side Hustle

This post was written by our staff writer, Kimberly Studdard.

1) You Can Try A New Career

Have you ever wanted to just paint nails? Or are you great at graphic design?

Whatever your special skills or passions are, you can try a new career when you branch out and get a side hustle. If it doesn’t work? No worries, you can keep it as a hobby. But if it does? That means . . . → Read More: The Top 6 Reasons Why You Need A Side Hustle

Myth Busting: Top 3 Misconceptions About Income Restricted Apartments

income restricted apartments

Paying for a place to live is a person’s most important expense. Affording the luxury of four walls and a roof over your head provides individuals and families with a sense of safety and stability. It also allows for focus on other priorities like searching for a better job or tending to your children’s school work. So, when having a living space is uncertain or when more than half of a person’s paycheck goes to rent that it keeps them from attaining the basic needs of life, it’s hard to put your focus on any other priorities in your life. This is why today, we’re going to focus on misconceptions about income restricted apartments.

Top 3 Misconceptions About Income Based Apartments

When people hear the term “income restricted apartments,” they automatically think negatively about it. It’s commonly misunderstood when the term is actually aimed to help low-income individuals and families . . . → Read More: Myth Busting: Top 3 Misconceptions About Income Restricted Apartments

7 Tips For Making A Budget And Sticking To It

tips for making a budget

When you’re creating a budget for your finances, you’re taking control of spending and maximizing your income. This is a great way to curb bad spending habits, boost that empty savings account, and take back your financial independence. If you’ve never made a budget before, now’s the time! And, as luck should have it, below are 7 tips for making a budget and sticking to it! Now is your time to shine!

7 Tips For Making A Budget And Sticking To It

The following post contains affiliate links.

1) Calculate Your Expenses

Down to the smallest one! When following tips for making a budget, this is an important one. Calculate and add up everything that you spend money on.

If you buy coffee every morning, calculate the monthly cost. If you put gas in your car, that’s included as well. A good budget is all-inclusive. Anything that causes money to . . . → Read More: 7 Tips For Making A Budget And Sticking To It

5 Reasons You Should Give your Money Away More Often

reasons to give your money away

There’s no doubt you work hard for your money. Whether you put in long work hours for the better part of your day or find a way to make that money work for you. You do your time, so to speak, in generating income. So, the idea of just turning around and giving it away can be tough one to swallow. The reality though, is that there are many reasons you should give your money away more often. Most of us don’t, but for those that do, they often tell you they’re better off for it.

5 Reasons You Should Give Your Money Away More Often

This post has been written by our fabulous staff writer, Kerah Kemmerer.

Sure, I think most of us would agree that giving here and there feels good, but what if we started to approach giving a little differently? What if it became a line . . . → Read More: 5 Reasons You Should Give your Money Away More Often

Are Credit Card Rewards Worth It?

credit card rewards worth it

Credit card companies have gained many customers with their credit card rewards offers. From travel points to cash back, there always seems to be credit card rewards for someone to take advantage of. But are credit card rewards really worth it? Do they matter, or is it all just a gimmick? That all depends on you and your lifestyle, but I’m going to go with a big fat, “No”.

Are Credit Card Rewards Worth It?

This post has been written by our staff writer, Kimberly Studdard.

“What?? No to credit card rewards? But it’s like free money! Why wouldn’t you want to get paid on your purchases?!” …says nearly everyone I’ve ever met. I get it. Credit card rewards seem like a no-brainer, but there are definitely some downsides that you should be aware of.

1) Interest & Fees Can Be High

First things first, let’s talk about the fees . . . → Read More: Are Credit Card Rewards Worth It?

What’s the Difference Between Rich and Wealthy? And Which Are You?

difference between rich and wealthy

Are you rich? Are you wealthy? Maybe neither? Or maybe both? I mean…what’s the real difference between rich and wealthy people anyway? If you ask Google definitions…there’s absolutely none. No difference – they have the exact same definition. They’re interchangeable. But you know what? I strongly disagree with that assessment.

What’s the Difference Between Rich and Wealthy?

When I Google, “rich definition” or “wealthy definition”, here’s the result that spits out:

Having a great deal of money or assets; wealthy

Do you have a lot of money or stuff? Yeah? I guess you’re wealthy…

Or not…

That’s a pretty sorry definition if you ask me, so I thought I’d take the time to clarify what the true difference between rich and wealthy actually is… in my opinion anyway.

What Does It Mean to Be Rich?

I know some people that own a big house on a lake and drive a . . . → Read More: What’s the Difference Between Rich and Wealthy? And Which Are You?

Higher Education Without Student Loans? Top 10 Tips Right Here!

higher education without student loans

Student loan debt has become the bane of the millennial generation. The internet is ripe with memes showcasing the brutal impact tens of thousands of dollars of debt continues to have on so many young adults. But student loans are the only option for affording higher education, aren’t they? Or…is it actually possible to attend higher education without student loans?

Higher Education Without Student Loans? It’s Possible

This article was written by our staff writer, Kerah Kemmerer.

As a high school student, I, along with many of my peers, was indoctrinated with the message that student loans were the only way to afford higher education – and that said loans should even be considered “good debt.”

Although I never really felt comfortable with the idea, I eventually caved and signed the dotted line. After hours on the phone with financial aid, I ultimately bought into the concept that it must . . . → Read More: Higher Education Without Student Loans? Top 10 Tips Right Here!