What Every Woman Needs to Know About Relationships and Money

What Every Woman Needs to Know About Relationships and Money

Miscellaneous
Relationships of all kinds are complicated. Whether it’s your relationship with your spouse, boyfriend or girlfriend, kids, parents, boss, colleagues, or friends, relationships are even more complex when it comes to money. These ten things are what every woman needs to know about relationships and money. Things to Know About Relationships and Money Make sure you aren’t caught off-guard when it comes to money and relationships. Here are some things you need to know to maintain your own financial wellness while safeguarding your relationships. 1. Don’t Rely on Your Spouse I hope that you can count on your spouse to support you in sickness and health for your entire life. For many people, even with divorce rates at historic highs, there is still a good chance you can count on…
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More Brilliant Moments

More Brilliant Moments

Miscellaneous
That moment in the morning, when the fog in my brain lifts.  When I have asked my son to put on his shoes for the 7th time, we are late leaving the house, and I have an important meeting. I want to yell, but instead I calmly sit down next to my son and say, "let me help you get your shoes." When my daughter lights up to see me, gives me a big hug, says “I love you mommy.” I fully embrace her and absorb the moment for all the joy it brings. When I’m sitting watching my dogs run back and forth chasing waves on the beach, feeling the warm sunshine on my face while looking out over the water. These are the brilliant moments. The moments when…
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5 Thank You’s and Watch Your Life Improve

5 Thank You’s and Watch Your Life Improve

Miscellaneous
As part of Giving November, I challenge you to write five thank you notes or emails this week. That’s just one a day for five days. To be clear, these thank you notes should not be for a physical gift you’ve received. Instead, they should be for some sort of support, advice, connection, or other intangible thing someone has given you. Maybe it’s a colleague at work or a former boss or mentor. Perhaps it’s a friend who helped you through a tough time in your life. Or maybe it’s someone semi-famous who recently put out a talk, podcast, or article that really moved or impacted you.  Think of those moments when someone supported you or helped you out - and put it in writing to them. Do this, then…
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Gratitude Will Make you Rich, Healthy and Happy

Gratitude Will Make you Rich, Healthy and Happy

Miscellaneous
Want to know one simple, three-minute practice that will change your life? Start a gratitude journal. That’s right. Gratitude. It’s the word of the decade. You are probably sick of hearing it, but do me a favor and read to the end of this post.   I’m here to tell you from personal experience that practicing gratitude actually works. It has changed my life over the past two years. But don’t just take my word for it.  Science backs me up. Study after study reveals that a simple gratitude practice can make us happier, healthier, and even richer. Why Practice Gratitude  Research has documented hundreds of reasons to practice gratitude. Some of my favorite reasons why to practice gratitude (along with the research to back them up) are below. 1. Being…
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Double Your Down Payment Savings

Miscellaneous
Buying a home is a big financial goal, however saving for the down payment can be a major roadblock. There are several different routes to achieving this goal. When the lease on the apartment my boyfriend and I rent was nearing expiration, we considered buying a home. In the process, we discovered a savings program, called a ‘matched savings’ program, to help speed up down payment savings. Matched savings programs are also called Individual Development Accounts (IDA) and are generally offered by nonprofits and/or government agencies in local areas. There are three things these programs can be used to fund. Buying a homeOpening a small businessSaving for college/job training. As you probably gathered from the name, when you enroll in one of these programs every dollar you deposit is matched.…
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Money Talks. You Should, Too.

Money Talks. You Should, Too.

Budgeting, Goals / Taking Action, Miscellaneous, Money in Your 20s/30s/40s/50s/Retirement, Relationships & Money
I think we can all agree that talking about our finances is uncomfortable, especially if your finances are not in the best health. Fortunately, you  do not need to broach this subject with everyone you meet. However you do need to be able to communicate with your significant other about money, especially in serious relationships. The 2016 Stress in America Report produced by the APA found that 64% of women and 57% of men reported money and family responsibility as one of their most significant stressors. Because money is such a huge source of stress for many people, couples need to talk about it. Ensuring that you and your partner are on the same page with how you spend money and what your individual situations are helps prevent future arguments and…
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The Facts Behind your Credit Score

The Facts Behind your Credit Score

Credit, Miscellaneous, Money in Your 20s/30s/40s/50s/Retirement
By Julie Macc, Certified Credit and Identity Theft SpecialistWhat is Fico?FICO is an acronym for the Fair Isaac Corporation the creators of the FICO score.The FICO scoring system is used in the United States for extending or offering credit, employment credit checks, landlords, and in States that legally allow it, insurance rates.How is a score made? The FICO score is computer generated using mathematical models. The score takes into account various factors in five different areas to determine credit risk: payment history, current level of indebtness, types of credit used, lenght of credit history, and new credit.People that have a FICO score will range between 300-850.Not everyone has a Credit Score. In order to have a credit score, your credit file has to meet certain minimum standards. Failure to meet…
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Credit that Cares for You

Credit that Cares for You

Credit, Miscellaneous, Money in Your 20s/30s/40s/50s/Retirement
Real talk: Paying for medical care is stressful and expensive. Even if you are fortunate enough to have insurance through your employer, coming up with co-pays on top of the premiums can make your budget, or your savings, cry. When you pay for an individual insurance plan, the situation often becomes more stressful. This is a thorny issue. The cost of healthcare is prohibitive, yet sometimes you genuinely need to see a doctor. So what can you do to ease the financial burden? Unfortunately I have no solutions for the cost of insurance or healthcare. However, the CareCredit card can help make getting the medical care you need a viable possibility.CareCredit is a credit account specifically designed to assist with medical bills that insurance does not cover. Like a regular…
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Simple Ways to Establish Good Credit

Simple Ways to Establish Good Credit

Credit, Miscellaneous, Money in Your 20s/30s/40s/50s/Retirement
So, you are interested in building your credit history, but not sure where to start. Here are a few simple ways to begin building your credit. Always make sure that any credit you decide to use fits within your budget, especially if you choose to take out a loan.1. Start with a Credit Card The first option to build your credit is to apply for a credit card. There are some things to keep in mind if you choose this route. Credit cards can quickly become dangerous to your financial health if you spend more than you can afford to repay every month and become trapped by the interest rates attached to your card.To avoid this, limit your credit card spending to purchases you already make. A common strategy is…
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Credit 101

Credit 101

Credit, Miscellaneous
Credit often feels like a mysterious and treacherous aspect of personal finance when you are young and/or just beginning your money management journey. Despite its reputation, credit is a tool that with responsible use will improve your financial standing. Before you embark on the journey of seeking credit, it is important to know how credit and credit scores work so you don’t accidentally end up in hot financial water.So what is credit? Credit is money you borrow to use for goods and service and that you will repay at an agreed-upon time with any applicable fees and charges (usually interest). There are four types of credit.RevolvingChargeServiceInstallment.Revolving credit is typically associated with credit cards. When you use this type of credit, the lending institution approves you for a maximum amount of…
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