Regardless of what your finances currently look like today, improving your financial health or maintaining it in a good state should be what you strive for. Unfortunately, it’s very easy to fall into the simple pitfalls that could derail those hopes. Prior to social media, it was already very difficult to refrain from buying attractive... Continue Reading →
It’s Time To Be Smarter With Your Money.
A lot of people think that by making more money, they will get into a better financial position. This could be true in some situations but it’s not always the case. Imagine that a young kid is having trouble improving his skills in the minor league. Assuming that more money leads to financial stability is... Continue Reading →
7 Simple Steps To Overcome Savings and Debt Hurdles.
There was a time when I felt like I never had any money. As soon as I made it, it was gone. I was in college, I was working full time and I had bills to pay including my college tuition. It was easy. After a while, being in such a poor financial position takes... Continue Reading →
Cash Is Your Pilot. Credit Must Be Your Wing-man.
12 years ago when I moved to the USA, the idea of buying a car on credit or financing a big purchase was foreign to. Where I'm from and from the experiences I lived through as a kid, people saved money and bought outright what they wanted. Granted, the banking system wasn't as developed as... Continue Reading →
The Dos And Don’ts Of Managing Multiple Credit Cards
This is a collaborative post and it may contains affiliate links. When times are hard, some people run to credit cards. There was a time when one needed to drive to a bank branch, wait in line to meet with a banker and then fill out an application for a credit card; only to wait... Continue Reading →
How to Spend Your Tax Refund Wisely
By this time, you are most likely already in possession of your tax forms. Unless you have a very complicated return, the majority of tax forms are due January 31. When 62% of Americans have less than $1,000 in a savings account, it is no surprise that employees file their taxes as soon as they... Continue Reading →
Halloween, Thanksgiving, Christmas, New Year’s Day; Brace Yourselves!
It’s official! Fall is here; it’s the season of overpriced Starbucks pumpkin lattes, North Face jackets, Under Armour cold gear and UGG boots. Let’s not forget the Halloween extravaganzas which lead to Christmas, that single day of the year when credit cards might be the most used. Between those two days, there is Thanksgiving, the... Continue Reading →
How to Budget Your Way to Home Ownership in the DC Metro Area
Initially published by Sheena Saydam of Saydam Properties Group. I had the privilege to be interviewed by Sheena Saydam, managing partner at Saydam Properties Group. The main focus of our discussion was the road to home ownership. The millennial generation is entering a phase of home ownership. Planning and budgeting are essential to having a... Continue Reading →
Two ways to stay accountable with your money and be financially stable.
In an article published by the Harvard Business Review, Joseph Grenny tells that there is a strong correlation between high performing teams and accountability in the work environment. Navy seals hold themselves and their teams to the highest level of expectation by being accountable to the objective of their missions and to their values.... Continue Reading →
Tackling Debt In 2017
2017 is just around the corner. A recent Student Loan Hero survey revealed that paying off debt is so far, the most common financial resolution of 2017. Next to getting out of debt is building an emergency fund. Through personal experience getting rid of my own debt and through helping many clients pay off... Continue Reading →
Navigating this holiday season on a budget and without financial stress.
It’s the most wonderful time of the year… Since I was a little kid, I loved the season of the holidays. Obviously as a kid, you look forward to playing with your Christmas gifts, but for me it was more than that. During the holidays families come together; Mom is willing to cook the best... Continue Reading →
Establish an effective budget today. Preview these two FREE chapters!
CLICK THIS TITLE TO DOWNLOAD: MONEY-SMART MILLENNIALS - PART I, CHAP III & IV DOWNLOAD THE BUDGET TEMPLATE You know the big-ticket expenses in your life, but all the smaller spending can also be a killer. Take a look at your monthly outflow, and I guarantee you will have a few "Yikes, I had... Continue Reading →
How to use your budget as your financial GPS
A few weeks ago I drove to Peoria, IL for a leadership conference with some business partners and friends. From Germantown, MD, it is a solid twelve hours drive. We decided to leave at ten o’clock in the evening and drive through the night. We had a total of four cars so it made sense... Continue Reading →