Are Credit Cards Bad?

As our society becomes more digitized, it is no surprise that most people do not carry a lot of cash on their person anymore. Now most shopping transactions are done using plastic cards with credit cards being the most used point of sale method. According to the Federal Reserve, 79% of Americans have at leastContinue reading “Are Credit Cards Bad?”

What You Need To Know About Taxes

If you’ve every filed your taxes in the U.S. then you know how complicated the U.S. tax system is. With this in mind it’s no surprise that many people find doing their taxes frustrating and most not understanding how their taxes are even calculated. These days, there are many softwares such as EZTax and TurboTaxContinue reading “What You Need To Know About Taxes”

3 Trips You Can Take With Your Tax Refund

Spring is here and it’s time to enjoy the warm weather. With most states having lifted the COVID-19 restrictions, traveling is now much easier but still remains relatively affordable. If you’ve been like me and spent much of the past two years isolated, you are well overdue for a vacation. Another piece of good newsContinue reading “3 Trips You Can Take With Your Tax Refund”

Things To Consider Before Taking On Debt

In a world with subzero interest rates, it is easier and cheaper than ever to take on excessive debt. With the U.S. consumer debt standing at ~ $15 trillion in 2021, the current data shows that this number will continue to trend upwards. As one of the most in debt age groups, millennials must beContinue reading “Things To Consider Before Taking On Debt”

Effective Ways To Prevent Lifestyle Creep

Lifestyle creep happens when increased income leads to increased discretionary spending. It is one of the primary reasons some people are unable to build the wealth they desire. When our income increases, we feel we should reward ourselves for our effort. Unfortunately, that reward is usually spending excess money on things that do not getContinue reading “Effective Ways To Prevent Lifestyle Creep”

Money Lessons I Learned From Growing Up Poor

I was born and raised in a small city on the island of Jamaica. With a population of ~ 2.7M and approximately 4,244 sq miles in size, my experience growing up there was not profoundly different from others born around the same time. With an inflation rate of over 70% and an unemployment rate ofContinue reading “Money Lessons I Learned From Growing Up Poor”

Love Marriage And Money

Happy Belated Valentine’s Day! I hope you spent the day giving and receiving love from your  friends and family. I have always enjoyed this time of year because I love roses, balloons, chocolate, dinners and I just love Love. I also recently got married, so this is my first Valentine’s Day as a wife. BesidesContinue reading “Love Marriage And Money”

Tax Credits To Take Advantage Of Now

It’s that dreaded time of year when we have to negotiate our taxes with Uncle Sam. I’ve yet to meet a person who likes filing their taxes, yet it is something millions of people must complete by April 15th each year. While it’s not a fun task, there are many opportunities to lower your taxContinue reading “Tax Credits To Take Advantage Of Now”

How To Cure Burnout

Burnout is a state of emotional, mental, and often physical exhaustion brought on by prolonged or repeated stress. It is understood to be bad, but is an accepted part of work culture. We joke about it at the water cooler, complain about it to our spouses and wear it as a badge of honor asContinue reading “How To Cure Burnout”