Preparing for Unexpected Financial Challenges

Preparing for Unexpected Financial Challenges

I think most of us agree that saving money is important, but are we putting our money where our proverbial mouths are? According to a 2015 survey, 35% of American’s had no savings, and 34% had less than $1,000. This means that 69% of Americans are financial fragile. When life starts throwing curve-balls at them, these individuals and families likely will not have the necessary funds to meet the challenge(s). It also begs the question: “Is just one savings fund enough to meet all my life’s financial challenges?”

Read More

What are You Saving for?

What are You Saving for?

We all know that saving a little bit of money here and there throughout the month is one of the best strategies for accumulating savings. However, it can be difficult to keep that in mind while you’re shopping, especially if your goal is generalized to “save money”.

Read More

Are the Budget Blues Bringing You Down?

Are the Budget Blues Bringing You Down?

If you’ve followed my writing, I’m sure you’ve noticed several articles on budgeting. Why so many? Because a budget is one of the most valuable tools for understanding, managing, and growing your money. Yet it seems to me that many people break-out in a cold sweat the moment I say “budget”.

Read More

Plan your Meals; Plan your Spending

Plan your Meals; Plan your Spending

Making food at home is an easy way to trim your spending, but it can often feel difficult to fit in cooking, and clean-up, within daily life. A few months ago, my boyfriend and I started meal planning to save money and eat healthier and so far, we’re achieving our goal.

Read More

Don't Drive into Debt

Don't Drive into Debt

Now that tax, and tax return, season is upon us, maybe you’re thinking about purchasing a car. A tax return can make a solid down payment on a car. Because cars are a depreciating investment, it is important to find a reliable car that fits your budget and won’t break down, causing extra bills and stress

Read More

Is the Mortgage Tax Deduction in Your Best Interest?

Is the Mortgage Tax Deduction in Your Best Interest?

So tax season is upon us, and if you’re paying on a mortgage, you probably feel pretty excited about the home mortgage tax deduction that comes with it. After all, everyone says that you should hold off on fully repaying your mortgage because the tax deduction saves you money. Unfortunately, that common sense advice isn’t really sensible at all, and may actually be costing you money.

Read More

Stop Letting Your Money Manage You

Stop Letting Your Money Manage You

Confession time… I have never had a formal budget. I would put money aside for my bills, but as far as groceries, gas, and all my other spending, it was a free for all. Honestly, I was scared of writing a budget because it meant I would have to face up to my bad spending habits.

Read More

First Step to Overcoming Financial Stress

First Step to Overcoming Financial Stress

It’s easy to despair over your finances, whether it’s your debt load, learning poor spending habits left you broke, or simply realizing you don’t know squat about doing your taxes. And it’s okay to have a cry once in a while. Crying is a normal reaction to stress. But when tears and despair become the norm when you think about your finances, you’ve got a problem. The more you despair, the more you lose hope and feel powerless to make any meaningful changes. News flash: this is your life, and you’re the only one who can improve it. And the first step to creating change and hope is gratitude.

Read More

Budgeting: There's an App for that

Budgeting: There's an App for that

Budget, budget, who’s got the budget? Not me, I’m afraid. A budget is one of those things I know I should have but just haven’t quite figured out. Luckily, there’s an app for that! Actually, there are a lot of apps for that and I decided to review the top three (according to iTunes ratings) to see which app fits my needs best, and might just fit yours too!

Read More

Women Veterans - How to Overcome Financial Uncertainty

Women Veterans - How to Overcome Financial Uncertainty

55% of veterans believe they aren’t well prepared for a financial emergency. 77% of service members have financial worries, and 57% worry especially about losing income and job security due to defense cuts. These statistics show a grim reality for America Veterans, regardless of gender. Approximately 11% of our veteran population is female, many of whom are mothers. If you are a female veteran feeling financial strapped and worried about your family, we at Women’s Money® salute and honor your service to our country and want to help you achieve financial security.

Read More

Acorns to Assets: Preparing Financially for 2017

Acorns to Assets: Preparing Financially for 2017

So 2017 is approaching and your financial situation is less than ideal. Believe me, a broke college graduate, when I say I understand. But it’s time to take that mess and sort it out. A scary prospect? Absolutely. But one of the most important things to remember is that building a stable financial life is a process. It’s not going to happen overnight, and that’s okay. I have a few tips and tricks to help begin the process of turning your financial acorns into 2017’s assets.

Read More

College Seniors - Start Your Student Loan Payoff Plan NOW

College Seniors - Start Your Student Loan Payoff Plan NOW

The first day of your last year as an undergrad is a satisfying day, because it puts you that much closer to the finish line of your bachelors. Unfortunately, it also puts you that much closer to the student debt you’ve spent the last three years trying to ignore. In my experience, student loans are the biggest underlying stressor of college, but ultimately being uniformed about your debt profile does you no favors. However, it’s not too late to study that beast and prepare for battle.

Read More

Mujeres y Dinero - Cuidado con los fraudes

Mujeres y Dinero - Cuidado con los fraudes

We are HONORED AND THRILLED to announce Miriam Lira-Hickerson, Ombudsman of Minority Affairs for the State of Nevada, will be speaking on August 13 at the La Conference de Mujeres y Dinero. She will sharing information on "Cuidado con los fraudes".   Keep your hard earned money safe with the tips and resources Miriam shares!  Don't miss her. Register today for the conference. http://www.womensmoney.org/2016-rnomyd

About Miriam - OMBUDSMAN OF CONSUMER AFFAIRS FOR MINORITIES

Read More

It's time to give your finances a spring cleaning. Start with a #FinancialSelfie #WomensMoney

It's time to give your finances a spring cleaning. Start with a #FinancialSelfie #WomensMoney

It's been almost three months since New Year's Eve. The first day of spring has passed, and holidays celebrating reflection and renewal are coming up.  It's the time of "spring cleaning". 

It's also time to get an honest picture of your personal financial condition. 

Here are some quick, cool, and fairly painless ways to get your financial status reviewed:

Read More

7 Ways to Become a Better Parent and Investor - #WMW16 @BrightwaterFin

7 Ways to Become a Better Parent and Investor - #WMW16  @BrightwaterFin

Now that we have two kids, the stakes are a little higher in the parenting department. Lately, I’ve been reading the book Peaceful Parent, Happy Kids. While feeding our newborn son at 2am or trying to fall back to sleep, I started thinking about how parenting advice also applies to investing.

Read More

Was saving for college a New Year’s resolution? #WMW16 @NVTreasury

Was saving for college a New Year’s resolution?  #WMW16 @NVTreasury

Raising children is quite challenging, and doing it alone brings its own set of financial and emotional setbacks and choices. As we juggle financial priorities between life’s needs and wants, I reflect back on the New Year’s resolution I made a few years ago, to purchase a prepaid tuition program for each of my children.

Read More