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5 Ways to Save Money This Holiday Season (Without Disappointing Anyone)

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For example, my siblings and parents don’t need store-bought gifts, nor do my friends,” Howell says. Instead, she will be giving them watercolor painting cards that she makes. Refuse to enter January with a new pile of credit card debt There’s a reason credit card companies love the holidays.

Holidays 295
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How Financial Wellness Programs Can Benefit Employees and Employers

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Gone are the days when new employees received a list of the company holidays during onboarding and a packet with information about how to sign up for health care and retirement benefits. We want them to be productive and happy and creative and we don’t want money stress to get in the way.” Employees are more productive at work.

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How to Create a Budget: 6 Steps to Get You on the Path to Financial Security

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The cost of building a life isn’t. Remember: just because it’s an essential expense doesn’t mean you’re not overpaying. We all know expenses exist, but the numbers keep adding up—rent, water, trash, electricity, cable, Internet, car insurance, renter’s insurance, gas, cell phone. It all feels a bit much.

Budget 270
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The 10 Best Goal Setting Apps to Help You Stay on Track

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Dedicated Apple users won’t get much use out of Android-only apps, or vice versa. Make sure you know what you’re signing up for and read the cancellation policy before entering your credit card information. Since multiple goal-setting apps are available, it’s important to find the right one to fit your needs.

Goals 275
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How Toxic Positivity Can Hurt Your Finances

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While a certain level of positivity and belief is necessary, if all you do is wait around and think happy thoughts, you won’t make progress. Suppose you rack up credit card debt with a you-only-live-once attitude and haven’t developed a plan to repay that money.

Finance 247
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How to Organize Your Wallet

Clutter Coach

You don't want to be one of those people who holds up the line trying to find her preferred shopper card, do you? Credit cards :  You really only need one, or two if you have a business.    You have to be very organized to take advantage of perks like frequent flyer miles on credit cards

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Have a Strategic Plan So You Can Cash Out On Your Terms

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How old you are, any children you have and how old they are, and if you have credit card debt, student loans or medical debt, as well as costs for insurance, utilities and food should all factor into your list and will determine how much you need to spend each month. Remember to focus on consistency over significant wins.