Home, documents and senior couple with laptop, calculator and financial planning. Apartment, man and woman with paperwork, budget and retirement fund with internet, connection and taxes in lounge
Posted inSave Money

At 45, don’t overlook 10 crucial retirement steps

Turning 45 is a financial crossroads. Retirement may feel far away, but the choices you make now can shape your future comfort and security. From maximizing savings to tackling debt and planning healthcare, here are 10 essential retirement steps to take at this stage, before time and missed opportunities start catching up.
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Posted inLifestyle Personal Finance

11 unusual ways Americans paid before cash and cards

Life in America was a lot different in the days before shiny pieces of plastic in every wallet. Farmers, grocers and even neighbors bartered and traded instead of writing checks. The local economy ran on trust, barter and simple, down-to-earth resources. We might find these practices strange, but they actually fulfilled a real purpose. Here are 11 strange ways people made payments in the days before the credit card.
Woman in bathroom using smart mirror
Posted inPersonal Finance

12 purchases that seem smart but rarely make sense

We all know those people who can’t wait to post their latest purchases online. A new gadget, a fancy subscription, or a little tool that promises to make life easier. At first glance, it seems smart. But often these buys aren’t clever at all. They end up looking a bit silly while trying to appear practical.
Smiling happy Caucasian man with gray hair counting money dollar cash, use smartphone calculate domestic bills at home apartment indoors. Young guy satisfied of income salary sitting in room on couch
Posted inPersonal Finance

10 bills that may be cheaper when paid yearly over monthly

Monthly bills piling up? There’s a smarter way to handle them. Paying annually can save cash, clear your calendar, and make your finances way less stressful. Forget remembering dozens of due dates. With one yearly payment, your budget stays organized, and your mind stays completely relaxed. Check out the bills you can switch to yearly.
Dave Ramsey
Posted inPersonal Finance

11 reasons Dave Ramsey’s advice doesn’t work for me

I was a die hard Dave Ramsey fan. His budgeting, debt elimination, and financial planning advice all pointed to a sure path of financial freedom. And for a time, it seemed to be working, at least on the surface. But over time, I found his advice to be misaligned with my life in a number of ways. Some of his ideas were too prescriptive, some didn’t mesh with the real world well, and others were just philosophically “off” to me. 
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Posted inPersonal Finance

11 reasons not everything should go cashless

Many people imagine a world without cash as modern and convenient, but it comes with hidden risks and challenges. Cash has been a reliable form of payment for centuries, and eliminating it entirely could create unexpected problems. From privacy concerns to emergency preparedness, there are several reasons why keeping cash around still matters. Let’s explore 11 realistic reasons why everything shouldn’t go cashless.