Your health and wealth are connected - taking care of yourself protects your financial future too. Medical emergencies can quickly derail progress without insurance and emergency funds… Continue Reading

Emotional spending is a problem a lot of us struggle with. 

We all have different ways of coping at the end of a bad day.

Some of us go for a jog, others have a sip of wine, and some of us buy stuff. You may not have thought about it before, but emotional spending is a habit many people have - and one you may have without even realizing it.

Emotional spending is a simple problem, but as with many guilty pleasures, it’s something our brains may allow us to overlook. And it happens in the most seemingly innocent of circumstances, too.

In this article, we will cover:

The need for a new budget can arise from many different causes.

Recent graduates and those who just made a major financial decision (ie. purchasing a new home) are normally faced with a new financial landscape.

When you’re introduced to a new financial reality, grounding yourself with a realistic budget can help you start off on the right foot.

No two people are in the exact same financial situation. Specific needs necessitate different levels of minimal spending.

That’s why budget ratios are a good idea; they set universal budget percentages that can be broken down further according to your highly specific needs.

Budget ratios serve as simplified guidelines for setting a budget - and the most commonly suggested one is the 50/30/20 budget ratio… Read More

I learn from every debt challenge I've faced.

Unexpected expenses have taught me about emergency planning.

I find motivation in debt-free success stories… Continue Reading