Using a personal calendar to track all your bills’ due dates is a smart way to stay on top of your finances. Keeping a close eye on your bills not only helps you understand... Continue Reading

First time homebuyers in the US and Canada both have some options for down payment assistance.

In times like these, any boost to housing affordability is helpful. Additionally, there are local assistance programs, such as NYC’s HomeFirst Down Payment Assistance Program.

In this article, however, we will go over some of the broader programs you can find in the US and Canada. We will also give you some direction for finding local resources.

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Look, it’s easy to fall into the lure of lifestyle inflation.

As soon as we begin to earn more income, we tend to spend more. Since economic power is a reflection of social status, we’re even encouraged to boost our lifestyles to show that we are in a new social class.

So, it feels normal that, as your salary increases you want a better car, to move into a bigger house or expand your wardrobe. 

Not to burst your bubble, but this goes against financial common sense.

As we earn more, we should be able to save and invest more because we have a higher disposable income. However, most times, this is not the case.

According to data released by the US Bureau of Labor Statistics, most households continue to spend at least 50% of their income on housing and transport, regardless of how much they earn…

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I am continually improving my financial decision-making skills. I approach each decision with a thoughtful and organized mindset. I make my choices with... Continue Reading