Photo by Canva Warning! A Holiday Spending Trap: Buy Now and Pay Later Loan Hi Reader, Happy Holidays! Everyone likes a surprise this time of year. But all surprises are not good. A mismanaged Buy Now and Pay Later loan is an example of a bad surprise. You are eager to make this holiday season special for your family. You see a sleek kitchen appliance on sale. The Buy Now, Pay Later option seems like the perfect solution to spread out the cost. But life gets hectic, as a pharmacist you are in...
28 days ago • 4 min read
Photo by Canva Hi Reader, Holidays are full of joy and connections, right? Family gatherings, good food, gifts, sounds perfect. But the reality? Money stress sneaks in. Between gift buying, traveling, and hosting, we often find ourselves on edge. So, let’s take a look at some red flags that can pop up around this time of year. Knowing what to look out for might just help you manage it a little easier. 1. Struggling to Sleep? Ever lie in bed wide awake, but not because of excitement for the...
about 1 month ago • 4 min read
Photo by Canva 5 Important Issues You Need To Know Before Applying For A HELOC Hey Reader, If you’re a homeowner, you may be “equity-rich.” Sounds exciting, right? This means you’ve built up a lot of equity in your home, giving you more financial options. Several reports have highlighted how home equity has grown across the U.S. Here’s a quick look: Federal Housing Finance Agency: U.S. home values have appreciated every year since 2012. ATTOM Data: Nearly 50% of U.S. homes with mortgages were...
about 2 months ago • 4 min read
Photo by CreditDebitPro.com 5 Important Things to Know About Your Credit Score Hi Reader, Ever wondered how our credit scores are made? I was curious about credit scores and how they can make or break a person's financial life. So, I looked around and this is what I want you to know. In 1841, there was commercial credit reporting. Commercial credit reporting was used by merchants to evaluate the creditworthiness of potential business customers. In the late 19th century, department stores and...
3 months ago • 4 min read
Hi Reader, I hope you're doing well! I’m excited to share some great news with you—my newsletter, Your Money Life, is returning! In each issue, I’ll be offering fresh insights on budgeting, managing debt, and financial planning, focusing on practical tips your clients can use to improve their financial well-being. I’d love to know what you think! As one of my trusted connections, I want to ensure you’re kept in the loop and can share these insights with your own network. You’ll receive the...
3 months ago • 1 min read
Image by artursafronovvvv on Freepik Engineering Your Marriage: Big Money Mistakes You Can’t Make Hi Reader, Years ago, my wife and I planned a vacation. It had been a tough year, and we both needed a break. She wanted to stay at a fancy resort with spa treatments and nice dinners. I wanted something simpler that wouldn’t hurt our savings. We both had good reasons, but our talks were tense. I was worried about what it would do to our finances, and she wanted to enjoy the moment. Money can...
3 months ago • 4 min read
Self-Discipline and Money: A Practical Marriage Made in Your Head Hi Reader, I want to share a story about myself. I remember it like it happened yesterday. I was sitting at my kitchen table, staring at my bank statement, with a knot forming in my stomach. Every time I promised myself I’d save more, something came up—a dinner, a new gadget, or new clothes. My intentions were strong, but my self-discipline always seemed to crumble when I was tempted by instant gratification. It felt like an...
4 months ago • 3 min read
Money Mindfulness: How to Navigate Your Finances with Ease Hi Reader, If you’ve ever worked really hard but felt like your bank account is always empty, you’re not alone. My neighbor, a nurse, felt the same way. After long 12-hour shifts, she would get into her car, still smelling of the hospital, feeling exhausted. But what really made her worry was thinking about her money. No matter how much she earned, it always seemed to disappear. Even though she was good at taking care of others, her...
4 months ago • 3 min read
Photo by Canva Your Money Happiness Is A Really Big Midlife Event Hi Reader, A colleague entering midlife felt she was behind her peers financially. She had a good job, a family, and a home. She experienced a few money hardships that casted a dark shadow over her finances. The chance of her being happy at midlife was in jeopardy. If you are in your 40s or 50s, midlife events can feel overwhelming. This period in life is called the midlife crisis. I like to use a baseball term and label it as...
5 months ago • 3 min read