Let’s get one thing straight: being frugal does not mean you’re cheap. To go a little deeper: being frugal means you’re “economical with regard to money.” Being cheap means you’re spending the lowest amount possible, with no regard to quality. Basically, being frugal means you give thought to your money decisions. Being cheap means the […]
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Don’t ask me how, but I was savvy enough at 21 to enroll in my employer’s 401k plan. I didn’t know what I was invested in, I just knew the match was 5%, so I contributed 5%. 11 years later and I had over six-figures in that 401k plan! About halfway through that 11-year time
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By the time you’re reading this article, I’m a newly aged 35-year-old woman. I just got back from a few nights in Las Vegas, where my boyfriend and I went to see Drake and 21 Savage in concert. This is a very different birthday choice compared to 10 days in Italy last year! Here’s a
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No one is perfect with money. I REPEAT: No one is perfect with money! I’m a money coach, and I struggle with money sometimes. Not to mention, my past relationship with money was a terrible one. I was constantly spending. I was deep in debt. I had no direction. But guess what? I changed. My
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You work hard for your money (hopefully), so shouldn’t your money work hard for you? I’m hoping your answer is “Heck yes, Raya”! But if not, I’ll settle for an “I’m intrigued”! Money is a tool. A resource. An engine we can use to obtain what we want, or say no to things we don’t
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In 2020, almost 60% of women in the United States were solely responsible for making investment decisions and around 40% out-earned their husbands, according to State Street Global Advisors, an investment management company. Guess what that means for us, ladies? Financial success is 100% in our own hands! There are certain must-do money moves for
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While I’m sure the thought of working during summer is less than appealing, I think we can all agree that making money, any time of the year, is always welcomed! I sure do miss the days of having nothing to do during the summer season. Grade school sure had its perks! Now that I’m an
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Ah, summertime. Beach days. Pool parties. Sun rays. Maybe it was the fact that summer vacation when we were little was a great time, but even as an adult, I always look forward to summer. While I no longer get summer vacations (can I go back please?! 😩), I still enjoy the summer months. Now,
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As of the third quarter of 2022, Americans hold $925 billion in credit card debt, which is a rise of $38 billion since Q2 2022. The Federal Reserve of New York says this is a 15% year-over-year rise – the biggest jump we’ve seen in more than 20 years. That’s not even touching on other
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