Today’s Financial Message Just for you, {{ first_name | Friend}}
Borrowing from your 401(k) seems appealing because you "pay yourself back," but you're actually losing years of compound growth and face serious risks if you change jobs. A $20,000 401(k) loan…Continue Reading
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The Powerful Triggers Behind Overspending & 4 Ways to Overcome Them
We've talked a lot about overspending here, especially in the context of budgeting.
But we haven't really explored why spending too much is such a common issue.
What leads to overspending and what can someone do to fight it?
A budget is a great start, but if you have a tendency to overspend, setting a budget isn’t a magic pill that cures everything. The psychology of overspending is slightly more complex than that.
In this article, we will go over:
The main reasons for overspending
Common examples
The effects of overspending
How to stop
The Hidden Cost of Your Inbox: How Email Lists Impact Your Spending (And How to Take Control)
Your inbox might be costing you more than you think.
The average person receives approximately 121-126 emails per day (!), and a significant portion of these are marketing messages designed with one goal: to get you to spend money.
While email lists can offer genuine value through providing information, entertainment, discounts and exclusive deals, they can also trigger impulsive spending that derails your financial goals.
Understanding the psychology behind email marketing – and developing strategies to use these lists to your advantage rather than falling victim to them – is a crucial but often overlooked aspect of financial literacy…
Today’s Affirmation
My dream home will become my reality. I will build equity through smart property choices. My real estate decisions will appreciate over time. I will create a home that reflects…Continue Reading