The start of a new year is a natural time to take stock of your finances and set goals that help you move forward. For many people, that means focusing on debt, whether it’s paying down credit cards, medical bills, or personal loans. But resoluti…
Author: Timi Joy Jorgensen, PhD
The cost of everyday life keeps going up, from groceries to gas to rent. According to Bureau of Labor Statistics, grocery prices in 2025 are nearly 30% higher than they were in February 2020. While prices may eventually stabilize, many households are s…
The holidays can bring joy, laughter, and plenty of expenses. For anyone out of work or struggling to make ends meet, that pressure can feel especially heavy. Between gifts, travel, and social gatherings, it’s easy to feel like you’re falling behind. B…
Many people start the new year with plans to eat healthier, exercise more, or save more money. But sticking to those resolutions can be tough—especially when it comes to finances. Setting goals that are too big or vague can make it easy to lose motivat…
Losing a job or facing long-term unemployment can be overwhelming, especially when bills keep coming and savings start to shrink. The good news is that with a clear plan and a few good habits, you can stretch money further and reduce stress…
Saving money can feel out of reach when every dollar already has a purpose. Rent, groceries, car payments and streaming subscriptions can eat up most of your paycheck before you’ve even had a chance to think about saving. After pa…
Energy bills can take a big bite out of a household budget, especially when temperatures swing from one extreme to another. The good news is that lowering your energy costs doesn’t require expensive upgrades or major lifestyle changes. A few small habi…
Many people accumulate at least some debt as they go through life. Unfortunately, if you have trouble paying off debt, high interest rates can make it snowball fairly quickly. When this happens, you might start comparing the benefits of debt consolidat…
When creating monthly budgets, some people prefer cash-envelope systems, spreadsheets, or even handwritten lists of expenses. However, if you’re looking for something a little more modern, digital budgeting tools might be a better fit. Here, we’ve comp…
Keeping up with bills can be a real challenge—especially when you’re juggling rent, utilities, subscriptions, and other recurring payments. It’s easy to lose track and end up with late fees or missed payments that throw off your budget. In 2025, …