A Very Merry Budget Friendly Christmas

We are now in one of the biggest shopping holiday seasons in the U.S. Even those people who do not celebrate this time of year still take advantage of the sales and discounts being offered. It’s pretty easy to get sucked into the advertising and end up spending a lot more than you budgeted for.Continue reading “A Very Merry Budget Friendly Christmas”

Steps To Prepare For A Recession

Recession, soft landing and economic slowdown are frequent buzzwords on the news about the economy these days. Regardless of your feelings about the current state of the economy, there’s sufficient evidence that a recession may be on the horizon (NPR). Indicators like a 9% inflation, the slowdown in hiring from the top U.S. tech companies,Continue reading “Steps To Prepare For A Recession”

Money Lessons From A NYC Sanitation Worker

One of my favorite pastimes watching programs that explore how people of different backgrounds spend and budget their money. This is how I came across a YouTube video from CNBC that centered on a man who ended up in sanitation due to the COVID-19 pandemic [watch video here]. Anthony’s story is a humbling one ofContinue reading “Money Lessons From A NYC Sanitation Worker”

5 Money Habits To Drop In 2022

A lot has changed economically since 2021. The Federal Reserve Bank is restricting monetary conditions, job growth is slowing down, company earnings and forecasts are trending down, and all three major indexes are also down year-to-date. 2022 is forecasted to be quite different from 2021. With this in mind, you’ll have to adapt to theContinue reading “5 Money Habits To Drop In 2022”

4 Reasons Your Budget Isn’t Working

Budgeting can be an easy task. What is not easy is finding the time, committing to the discipline, and exercising consistency. While some find budgeting easy, others find it very frustrating and are left discouraged. Sometimes to the point where they give up altogether. This does not have to be you. You can achieve yourContinue reading “4 Reasons Your Budget Isn’t Working”

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”

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”

New Year’s Resolutions To Change Your Finances

Happy New Year! We are still in a pandemic but there is so much to look forward to in 2022. If you need inspiration to get started, think of all the things you accomplished in 2021. Think of all the No’s that you turned into Yes’ and obstacles that you successfully navigated. Again, all inContinue reading “New Year’s Resolutions To Change Your Finances”