If you are working, living, loving, and doing grown woman things, then you need an emergency fund to help you through the times when Life happens…for the worse. Think: a leaky roof, a layoff, a blown gasket, a medical emergency. For the record, an emergency fund is an account that’s earmarked for spending on urgent,
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Starting to save for retirement is extremely important. First, no one knows if social security will be around or in what form when we retire so it is important that we start to save. Starting early is best because you are able to make smaller contributions over a longer period of time, which minimizes the
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Let me start by saying that I have never purchased a house, so researching this post was a great exercise for me and it actually convinced me that I should not rush into renting and instead focusing on saving money to become a homeowner. My first aversion to taking on a mortgage comes from reading
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Food is a necessity. We need food to survive and the vast majority of us head to grocery stores to get it. You shop for groceries to get your ingredients then head home to prepare a meal. Therefore, grocery stores provide a much needed service. We know they really do, but they also need and
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The Apple iPhone just was released and there were lines around the corner of fans who just had to have the newest phone. I know a few people who were trying to get off of work early so they could go purchase the new phone. Many of the people who I know who upgraded had
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Getting on the first rung of the property ladder has become increasingly difficult in recent years. Banks usually ask for a deposit of twenty per cent, a fact which generally leaves prospective first time buyers reeling. So saving up to buy a house can be trying, especially if you have to pay rent on your current
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One of my favorite topics to teach about is the concept of spending money to save money. This was a topic that I thought that I thoroughly understood because my father always emphasized the importance of the concept. However, about a month ago, I seemed to forget the lesson I know so well. I had
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It’s back to school time, and many parents are roaming the aisles of stores around the country to buy new school supplies and clothes. Although, this is an exciting time of year, it can also be very expensive. I saw the school supplies list for my goddaughter and I cringed. I couldn’t believe that my
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These days investors are looking for the best place to park their cash. They want to invest in relatively safe investments or just find the best current CD rates. If you are planning to save your money with a certificate of deposit, here are the pros and cons. What is a Certificate of Deposit? A
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Financial gurus like Dave Ramsey, Suze Orman and Sakina Spruell teach key finance knowledge. They’ve been known to recommend 6 months of savings before beginning to invest so you can become a financial success. Their reasoning is that if you have an emergency or unexpected event, you should be able to live off of your emergency fund for
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