Should You Become Your Own Boss?

Maybe you’re cringing at the thought of going back to an office. The seed of a business idea floats around in your head between work videoconference calls, after the kids are asleep or while you tend your pandemic garden. Or perhaps you were laid off during the pandemic and forced to work for yourself, and … Continued

Finances Unscathed by Pandemic? Seize the Moment and Tackle Debt

After close to a year of living with the pandemic, the effect on people’s finances has varied widely. If you’re in the fortunate position of still having a steady income, you can plan for what lies ahead in 2021. A good first step is dealing with debt. Maybe you leaned on credit cards to get … Continued

Be Your Financial Valentine

Valentine’s Day: a day to celebrate your partner or a day to celebrate yourself. And while it may not sound romantic, this time of year is also an opportunity to show your finances some love. Whether you’re single or in a relationship, build toward your future by defining your goals, budgeting for splurges and getting … Continued

Smart Ways to Establish Credit in 2020

Dipping your toe into the world of credit? You’re in luck: There are more ways to establish credit now than there were in decades past. You build your credit score by adding positive information to your credit reports, which are files of financial data about you. These files are compiled by the three major credit … Continued

One Credit Score Factor to Check Twice During the Holidays

You probably know that paying your bills on time is crucial for your credit score. But there are other factors that play into your score, as well. One factor that you might not know about: how much of your available credit you use. You probably know it’s bad to max out a card, but even … Continued

How to Give Back Without Busting Your Budget

It may not come as a surprise that millennials are passionate about giving back. Millennials as a generation believe in supporting causes more than individual organizations, are likely to be influenced by peer networks when it comes to giving and want to give back in terms of money, time and leadership, according to the Millennial … Continued

How to Stop Anxiety From Ruling Your Finances

Financial decisions are rarely easy, whether it’s buying your first car or home or deciding whether to refinance student loans. The anxiety can be heightened for millennials who witnessed economic turmoil during the Great Recession as they weigh milestone financial choices as adults. “Many [millennials] grew up and saw their parents lose a house or … Continued

Sneaky Ways Burnout Hurts Your Bottom Line

Millennials are a burned-out bunch. Millennial workers are more likely than older generations to report being burned out at work, according to a 2018 Gallup study. The gig economy, the temptations of social media and the high expectations millennials have of themselves contribute to this trend, behavioral finance experts say. Add to that record student … Continued

How I Ditched Debt: Small Wins Help Achieve a Big Dream

Bernadette Joy and AJ Maulion How much: $309,800 in 3 years Bernadette Joy Maulion, 34, went to business school part time after a career in human resources, hoping to start a new chapter in her professional life. School wasn’t cheap, and she took out $72,000 in student loans. She and husband AJ, 37, had a $57,000 … Continued

Renting Isn’t the Ripoff It’s Made Out to Be

“Renting is just throwing money away.” “Renting is like paying someone else instead of paying yourself.” You may have heard these opinions from family and friends, but it’s not that simple. In some areas (looking at you, San Francisco), renting is far more economical than buying a home. But renting can be used to fatten … Continued