Photo by Canva Hi Reader, Have you ever bought something unplanned and later wondered, Why did I do that? I walked into a big box store for one small tool. Somehow I spent $110.00. Damn… impulse spending sneaks up on us. Retailers know exactly how to make it happen. I know, I am not alone on this. Impulse spending isn’t just about money, it’s about psychology. Our brain is wired to seek instant gratification. Oftentimes at the cost of long-term financial health. The Psychology Behind Impulse...
25 days ago • 4 min read
Photo by Canva Hi Reader, Chemists know that a reaction can be safe and controlled or dangerous and explosive. Using the wrong ingredients, or overheating can trigger a chain reaction that’s hard to stop. Debt works the same way. At first, it seems harmless to take out a loan, use a credit card, or finance a new car. But if you don’t manage it properly, it grows faster than you expect. Before you know it, you're struggling to keep up with payments. And your financial situation feels out of...
about 2 months ago • 4 min read
Photo by Canva Hi Reader, I know what it's like to feel stressed and overwhelmed, like you're in a daze. Staring at a video on your phone, but don’t seem to see anything. “If only I could wipe away my debt, I wouldn’t feel this way” is your only thought. You might feel like you're not in control of your life, and your happiness is out of reach. For a long time I thought I would be happier if I had more money. But I'm here to tell you that money alone is not the only key to your happiness and...
2 months ago • 3 min read
Hi Reader, While driving to work, all I could think about was my emergency fund or rather, the lack of one. The thought had been nagging at me ever since my car battery died unexpectedly that month. I’d paid for the replacement with a credit card, but the stress of not having cash on hand lingered. What if something bigger happened? As a laboratory technologist, I was used to solving problems. But this one felt personal. I had always meant to save for emergencies, but between car payment,...
3 months ago • 4 min read
Photo by Canva 3 Important Strategies for Managing Your Bonus In the New Year Hi Reader, A BIG Thank You♥️. Happy New Year!!! 🎉 I want to take a moment to express my deepest gratitude to you. Your dedication to reading, and sharing your thoughts with me made 2024 truly special. Every comment, response, and shared story reminded me why I started this journey. I want to connect with individuals like you. Individuals who are passionate about navigating their money life with grace and resilience....
4 months ago • 4 min read
Photo by Canva Did You Escape These Powerful Money Traps in 2024? Hi Reader, Have you managed to avoid 2024’s sneaky money traps, or are you still feeling caught in their grip? From overspending to missed goals, these common pitfalls can sabotage our finances. As we approach the year’s end, it’s the perfect time to reflect on these traps and how they’ve affected us. But first, let me share Rebecca’s story (name and profession changed). A testament to the power of taking charge. Rebecca’s...
4 months ago • 4 min read
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...
5 months 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...
5 months 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...
6 months ago • 4 min read