As surprising as it may be to you, some 1.7 billion adults worldwide still don’t have access to a bank account, according to data released by the World Bank. This is what you call being “unbanked.” However, there are still several ways you can cash a personal check without a bank account. Remember though, personal checks … Read more

After graduating from college, you may be daunted by the fact that it is now time to pay off your student debt. Typically, you have a few months before repayments kick in, but they are coming. It’s especially scary or stressful as you are just joining the working world. However, there is a bright light … Read more

To really understand where your money is going, you’ll want to have specific budget categories that keep everything highly organized. These will help you be more detailed, without having to track every little cent. But by categorizing your budget, you can quickly identify problems or see where you need to make adjustments. Here you’ll learn the value … Read more

Just when you thought personal finance couldn’t get any more challenging, it can get a bit complicated when you start growing your family. Maybe you just have a spouse currently or you might also have children. Balancing everything and ensuring your family’s finances are in order can be tough.  I mean, who has the time to … Read more

Most people get trapped in the mindset of putting money in their checking or savings account and letting it sit. While that is great for building an emergency fund, at a certain point you want to put your money to work. That’s where diversifying and investing will become key. 1. Stock Market The obvious and most common … Read more

Overspending is a common habit a vast majority struggle with and puts many people in tough financial situations, like with high-interest debt. But it can be challenging to stop spending because everything is so accessible. Thanks to technology, it makes buying something just a simple click away.  And while I love the convenience factor, it’s incredibly … Read more

As you build your emergency fund and savings, a question you might ask yourself is, “How many bank accounts should I have?” However, for most people having one bank account is a common option and there is no thought in really expanding to other accounts.  Now the majority of people really do not need more than … Read more

One topic within personal finances that doesn’t get discussed often is how spending money is perfectly okay.  A recurring theme in the finance industry is how small purchases add up over time and are detrimental to your finances. But, you shouldn’t feel guilty about spending money if it improves the ROI of your life and … Read more