Category Archives: Personal Finance

Building Wealth

This article combines information about budgeting, spending plans, savings strategies, credit cards, and all points in between to give you a comprehensive overview on how to build wealth.

Family Planning

Raising a family is expensive. According to CNN, it costs over $230,000 to raise a child from birth to age 17 in the United States! Some say that no one is ever prepared to be a parent until it happens, but with a bit of wise financial planning, you can at least worry a bit less about money during the journey. Read this article to learn about some tips to saving for a family.


Your home will probably be the biggest purchase you make in your lifetime. Buying a home not only saves money on rent, but is a serious asset that can appreciate over time. Since homes are so expensive, (almost) no-one buys them in cash. Instead, homes are typically purchased with a special type of loan, called a “Mortgage”. Here, we will break down how a mortgage works!

Preparing for Spending Shocks

“Spending Shocks” are large, irregular expenses. Many people do not budget enough to successfully deal with spending shocks, which can be detrimental to their personal financial health. This article gives three methods to prepare for a spending shock.

Unemployment and Other Assistance Programs

There are a variety of unemployment programs, and other assistance programs, that exist in order to help with people facing hard financial times, and low incomes. Some of these include Unemployment Insurance, SNAP Food Assistance and Housing Assistance, all of which are described in this article!

Pay Yourself First

Budgeting, and trying to grow your savings, can be extremely challenging. However, there is one easy technique you can use to make sure your savings are always growing: Pay Yourself First. Read this article to learn about how and why this technique works!


Bankruptcy is a type of forced debt settlement, and is a legal procedure. When you declare bankruptcy, the courts will gather all your unsecured creditors together, and hear the debts you owe. They will then examine all your assets, and pay out as much as they can to settle as many debts as possible. To learn more about this “last option”, read this article!