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”

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”

Take Control Of Your Finances

It’s a new year with new promises and opportunities. There is no better time to commit to improving your finances! All you need is the right mindset, the will to change and the tips I’m about to share with you. They are not only easy, but can also be seamlessly integrated into your busy life.Continue reading “Take Control Of Your Finances”

5 Money Lessons 2021 Taught Us

It’s the last week of 2021 and the perfect time to reflect on how far you’ve come since January. Though we continue to live in a pandemic, there are still many reasons to celebrate. Some people started their own business, others got promotions, some got married while others had children. There are even those whoContinue reading “5 Money Lessons 2021 Taught Us”

Biggest Holiday Shopping Mistakes

Thanksgiving and Christmas holidays are the most active shopping seasons in the U.S. In fact, the National Retail Federation predicts that shoppers will spend between $843.4 billion and $859 billion in just November and December this year. Retail companies want to cash in as much of this as they can. They are increasing online andContinue reading “Biggest Holiday Shopping Mistakes”