Category Archives for "Saving"

Understanding Pre-Retirement

The period between deciding to retire and committing to an actual retirement date is pre-retirement. This phase of retirement planning is vital to understanding financial obligations and the reality of the desired timeline. Failing to plan correctly can leave you struggling financially in your “golden” years — not a way to spend life’s winter.While some […]

Making Sense of the Current Student Loan Forgiveness Initiative From the Biden Administration

In an unprecedented move, the Biden Administration announced a student loan forgiveness initiative in the waning days of August 2022. Using his full authority, President Biden signed an executive action to provide between $10,000 and $20,000 of relief.While the move is one many predicted as of late, it is still creating many questions. Borrowers want […]

Negotiation: It’s Not a Dirty Word

To haggle, barter, liaise, or come to terms are all words or phrases synonymous with or related to negotiation. Yet, despite the prevalence of negotiation in the language, many people have an aversion to the process.A 2017 PayScale survey polling 31,000 people found that 57% of participants never asked for a raise in their field. […]

When To Travel To Maximize Your Savings

You want to take a trip, but you do not want to spend a fortune on airfare. Widespread assumption tells you that booking a flight for a Monday in the future is the most cost-effective solution, but is that what the research says? No.Many people schedule travel plans around outdated studies or assumptions not rooted […]

Discovering Alternatives to 401(k) Retirement Plans

For many people, the 401(k)-retirement plan is the gold standard for a stress-free retirement, but millions of Americans do not have access to these plans. Does the lack of access mean that millions of workers are facing a challenging and financially troubling future? No, not necessarily. A 401(k) is only one retirement savings option, and […]

How To Save $5000 Before the End of 2021

Whether you’re broke or living paycheck to paycheck, and whether you have a job that pays biweekly or you pick up odd jobs when you can, it is possible to save $5,000 before the end of 2021. Before you assert that saving $5,00 in just three months is impossible for most people, know that, with […]