We live in a world that loves to label people. If you are behind on bills, you are “bad with money.” If you are in debt, you are “irresponsible.” If you avoid looking at your budget, you are “undisciplined.” I want to push back on that idea. What I hav…
Category: Financial Wellness
Credit cards can offer a wide range of rewards. Companies offer everything from cashback to airline miles. Two kinds of reward cards stand out from the rest: airline and store cards. These cards are offered by brands you know and love. Both kinds of ca…
A 1099-C is a tax form that shows up when a lender cancels or forgives your debt. It’s how they report to the IRS and to you that the loan is no longer active. If the amount forgiven is $600 or more, the lender must file this form with the …
We live in a world that tells us convenience is king. You can get almost anything delivered to your door within hours. You can tap your phone and have dinner appear on your doorstep. You can pay a little more for the fruit to be cut, the clothes to be …
Asking your parents for money is one of those awkward moments no one prepares you for. Whether you’re facing an unexpected expense or just trying to stay afloat between paychecks, asking your parents for financial help can feel intimidating.  …
For many people juggling bills, food and rent, the idea of building a budget sounds exhausting. When you’re busy trying to stay ahead, sitting down to sort out numbers can feel like a luxury you don’t have time for. If you’re looking to cut…
Let’s start with the big question: How much Americans are in debt right now? The latest data from the Federal Reserve Bank of New York indicates that U.S. household debt reached $18.2 trillion as of the first quarter of 2025. That includes mortga…
If you’ve ever had debt in collections, you probably know how overwhelming the situation can feel. Constant phone calls and the fear of what might happen next can be stressful. But you are not powerless. The Fair Debt Collection Practices A…
You might feel lost when you see terms like APR on your credit card statement. However, APR is one of the most useful numbers you can know. Understanding what it means can help you spot hidden expenses, compare offers side by side, and make smart choic…
Managing money can be tricky when everyday decisions quietly turn into long-term financial setbacks. But building better habits starts with knowing what to avoid. Whether you’re just starting out or trying to get back on track, recognizing …