How To Actually Keep Your New Year’s Resolutions This Year

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How To Actually Keep Your New Year's Resolutions

I’m horrible at keeping my New Year’s resolutions year in and year out. They typically fall by the wayside a few weeks into the new year. I don’t mean to give up on them so soon. Are you the same way? Do you know how to keep your New Years resolution this year? I continue to make the same mistakes when designing my New Year’s Resolutions year after year, but I am bound and determined to make this year different than the past few. Did You Make Too Many New Year’s Resolutions? Did you make too many New Year’s Resolutions? Do you make several in different categories of your life? For example, did you set the goal of getting out … Read more

The Importance of Adding Fun Money to Your Budget

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Reasons to Add Fun Money to Your Budget

The following is a guest post from Choncé, a budgeting guru, who chronicles her journey with balancing motherhood, a home-based business, and finances on her blog, My Debt Epiphany. If you’d like to submit a guest post to Money Q&A, be sure to check out our guest posting guidelines. In 2015, I made a horrible mistake. I chose to cut fun and entertainment money out of my budget. I was feeling overwhelmed with my debt. I owed $30,000 between my student loans and my car loan. My future husband (boyfriend at the time) owed about $20,000 which included student loan debt, credit card balances and a small car loan. I had just started budgeting and became obsessed with living frugally. People I … Read more

Military Blended Retirement System (BRS) Deadline Is December 31st, 2018! #BRSBlitz

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Military Blended Retirement System (BRS)

Note – The following post is part of a military personal finance bloggers #BRSBlitz education campaign and sponsored by USAA. All opinions are my own. Time is running out for members of the military to choose whether or not they want to opt into the new Blended Retirement System (BRS). In fact, you only have until midnight TOMORROW – December 31st, 2018 to choose the BRS over the current military retirement plan, which is called the High-3 Retirement Plan. The government created and officially started automatically enrolling new members in Blended Retirement System (BRS) on January 1st, 2018. But, if you joined before January 1st, 2018 and have less than 12 years of active duty service, you had the entire year of … Read more

Steady App Review – How to Find Work and Get Paid for Side Hustles

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One of the best parts of the gig economy is that pretty much anyone with access to a smartphone and some useful skills can make money on the side without going through an extensive interview process. Whether you’re a working college student, full-time employee who needs to supplement their income, or a retiree who wants to find new ways to financially support yourself in your post-career golden years, you could find a wide variety of paying gigs through an innovative app called Steady. If you’ve been looking for opportunities to jump-start your finances with an additional income stream, then Steady might be just the app you’ve been waiting for. Steady App Review Available Gigs There are plenty of options out … Read more

RetirementBudgetCalculator.com Review – A Highly Customizable Retirement Calculator

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We all know how important it is to save enough money for retirement, but do you know how much is truly enough? Personal finance experts are divided when it comes to the magical number you should strive for. It honestly varies from person to person. The problem is that people often make misguided assumptions about retirement, such as “I’m too young to think about retirement planning yet,” “I have plenty of time to start saving,” and even “I deserve to travel and live life before hunkering down to plan for retirement.” The most important thing you should do is start saving for retirement early and worry about more precise calculations once you get the ball rolling on your savings strategy.  … Read more

5 Ways Small Business Owners Plan Intelligently for Retirement

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Make Retirement Less Stressful

Managing revenue, expenses, and taxes for a small business can be complicated enough, but what about saving for your own retirement, too? Unless you have a sizable pension from a spouse or an inheritance coming in your future, you need to make sure you’re saving as much as possible for retirement. We all need a plan for retirement. But, this is especially true for small business owners, as they lack employer-sponsored retirement plans. Of course, being a small business owner without easy access to an employer-provided 401(k) plan can be frustrating. But, there are other, comparable ways to save for retirement beyond the traditional or Roth IRA options. To ensure you meet your retirement savings goals, here’s everything you need … Read more