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Top 10 Ways to Save Money on Valentine’s Day Gifts

Valentines Day gifts can be expensive. But, they don’t have to be! You can save money on Valentine’s Day gifts and still make your significant other very happy! You just have to get a little creative on Valentine’s Day gift ideas. Valentine’s Day is an expensive holiday for most people. And, it’s very hard for couples and spouses to save money on Valentine’s Day. According to the National Retail Federation (NRF), expected sales for Valentine’s Day this year are expected to be over $19.7 billion. That’s an increase of over $1.1 billion from last year. The average person planning to spend $146 on candy, cards, gifts, and more which is over a 10% increase from last year and the highest spending total in the 12 years that … Read more

Best Way to Save for Retirement When You Are in Debt

by Hank Coleman

Getting (and staying) out of debt and saving regularly for retirement are some of the most important personal financial habits that everyone should be doing, but having a finite income with conflicting financial priorities understandably complicates matters. If you have student loans, a running balance on your credit cards, or other outstanding debts in the 4+ figures range, how should you balance your debt repayment plan (short-term goal) with your retirement savings plan (long-term goal)? What is the best way to save for retirement when you are in debt? Best Way to Save for Retirement When You Are in Debt The answer to this ultimately depends on the amount of debt and the interest rate you’re paying. Still, a generally … Read more

How to Stop Impulse Spending and Conquer Impulsive Online Shopping

by Hank Coleman

Many people struggle with impulse spending at some point in – or throughout – their lives. Still, there are different factors influencing the severity of the impulsiveness and financial consequences of a dopamine-fuelled shopping spree. For instance, a 2016 study from Princeton Survey Research Associates International found that people were more likely to buy in-store than online – possibly due to the immediate gratification factor, compared to waiting for an item to arrive in the mail – and the most common impulse purchases are under $25. This may not sound like a problem, but little costs like unnecessary, impulsive purchases can really wreak havoc on your budget over time if you’re not careful. Furthermore, with millions of people stuck at … Read more

Top 4 Easy Steps to Take When Your Budget Fails and Goes Off the Rails

by Hank Coleman

Budgeting can be a challenge for many people, even if you’re good with numbers and diligent about regularly tracking your income and expenses. Sometimes, life gets in the way, and the budget goes out the window, whether it’s due to an unexpected and costly emergency or an extended period of impulsive shopping and overspending. But, what do you do when your budget fails and goes off-kilter? Steps to Take When Your Budget Fails The first step to getting back on track with your budget is by recognizing there’s a problem. Denial can be a powerful defense mechanism against confronting a problem spending habit, so there’s no point in making excuses like “I’ll spend within my means next month” or “It’s … Read more

How much is the Royal Family Worth? – Infographic on Royalty Net Worth

by Guest Contributor

Queen Elizabeth II has reigned as queen ever since, nearly 70 years. In her lifetime, she has achieved it all — power, prestige, and perhaps most significantly, wealth. But, how much is the royal family worth? According to Forbes, the British royal family is now worth over $28 billion; that’s more money than the entire GDP of Iceland. The queen herself is estimated to have a net worth of over $600 million, most of which comes from her investments, jewels, and two castles. The queen may be sitting comfortably, but how about the other members of the royal family? Sit back, pour yourself a cup of tea, and check out our latest infographic to find out the net worth of your favorite royals. … Read more

Top 4 Simple Ways How to Better Manage Your Medical Debts

by Hank Coleman

A survey of 20 million Credit Karma members conducted in summer 2020 found over $45 billion of medical debt in collections. Previous studies on medical debt have found that hospital bills are typically the #1 cause of personal bankruptcy in the U.S. In the wake of a global pandemic that hit Americans particularly hard – in terms of job losses and skyrocketing hospital bills – the issue of medical debts will likely become more prominent in public conversations in the years to come. How to Better Manage Your Medical Debts If you’ve received an astonishingly expensive medical bill before or you’re currently agonizing over how to repay outstanding medical debts, there are some strategies you can try without having to … Read more