It’s that glorious time of year when bank accounts catch a glimmer of hope and lump sums give our balances a boost. This magical time, full of false security and dreams of lavish living, is also known as “tax refund season.” While some of us may owe money, most people will see a nice little […]
Credit has become such a big part of our lives. From buying a house or car to health insurance and employment background checks, bad credit can affect you in ways you may not even be aware of. While improving your credit is important, it can seem overwhelming to those of us with financial hiccups in […]
Contrary to what commercials want you to believe, the holidays should not be one budget-busting, anxiety-filled event after another. Instead it should be about the memories and going to fun-filled parties with the ones you love. Here are a few tips to get everything on your list on a budget, as well as save a […]
I don’t know about you, but the first time someone told me nonchalantly to save six months of my expenses, I was instantly intimidated! I remember thinking to myself, “If I can’t save $500 consistently, how in the world could I save several thousand?” And, if that was the key to this whole financial game, […]
US Banks take in over $38 billion in overdraft fees, which equate to more than 75% of the fees they charge on consumer deposits period. With the economy so tight these days, do you really have additional money to throw out the window? MUST READ: Think You Know Miami? Think Again As I often remind my […]
Remember the first time you heard the pastor say that “Sin is sin,” meaning if you told just a little white lie or savagely murdered someone you were pretty much in the same boat with God. Wasn’t that a hard pill to swallow? Apparently, it’s a hard pill for many even when this concept is […]
Every day I coach women who are waiting for more time, waiting for children to grow up, waiting to get married or waiting for some person, place or thing outside of themselves to make their dreams come to fruition. When I ask why not go after their dreams NOW, the number one answer is that […]
Are you feeling stressed about your inability to spend the way you want to? Are you losing the strength and energy to resist the urge to splurge? According to a poll conducted by the National Foundation for Credit Counseling (NFCC), 66% of Americans are suffering from “frugal fatigue.” In a nutshell, people are sick and […]
Last July, the unthinkable happened. My father-in-law died suddenly at just 58 years old. Both devastation and reality gripped our family. For my husband (his eldest child) and I, it was probably the first time we had considered as a couple the “what-if’s” that surround mortality and the fine, yet vastly important details which frame […]
I can’t believe I’m saying this, but I think reality shows like the “Basketball Wives” and even the “Real Housewives” franchises are getting a bad rap. . . Okay, well maybe not a bad rap, but far too much credit in creating what some may call “gold diggers.” I’ve heard several times recently that these […]
For many of us, New Year’s resolutions symbolize either achieving a new goal and/or letting go of bad habits. As a personal finance coach, every financial goal I hear from most people surrounds saving more money. Often people want me to tell them how they can fire their boss, make more money and live happily […]
