Personal Finances

Family Budget Calculator

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This is a great calculator that gives the average living market value in the county/city that you live in. Depending on how many children or other adults live with you gives you the ideal income on how much the average person needs to make per year to live in the city, town, or county in […]

Personal Finances

Automation Retirement

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Perhaps one of the most difficult parts of handling finances properly is investing enough for retirement. It is often so difficult because retirement can feel like something to be planned for later. Preparing for retirement is possibly the most procrastinated practice in personal finance. Most people have decided that they will save and even invest […]

Personal Finances

Marcus by Goldman Sachs® Savings Account Review

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Opening an online savings account with Marcus by Goldman Sachs is a great alternative savings account compared to my local community bank. Large banks and community banks on average provide 1% or less on the APY on savings. Marcus offers excellent rates on its savings account and certificates of deposit with APY rates over 2.00% […]

Personal Finances

I Opened A Roth IRA

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This week, I finally opened up my Roth IRA with T.D Ameritrade. I am happy to finally set up my own retirement account to invest in my own future. Being able to withdraw tax-free for retirement will be a huge benefit for myself. Although I do have to pay taxes on my contributions, It will be […]

Personal Finances

Lifestyle Inflation

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Lifestyle Inflation usually happens to nearly everyone when an increase in income occurs. You spend more when you make more money. I’ll admit I got into it this year when I started my first full-time job. I got my first full-time job in 2017 making around 33k a year. It is decent as I started […]

Personal Finances

Live Below Your Means

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We all been through it. When you start making more money, you spend more. You realize the more money you have, the more options you have. You spend more money on materialistic items, go out on more trips, and enjoy more entertainment. It gets to the point in where you notice you begin to live […]

Personal Finances

3 Reasons to Choose a Community Bank or Credit Union

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Photo by Jordan Andrews on Unsplash 1.) Services at Low or No Costs When banking at a community bank, there are little or no fees at all when it comes to having your money in a checking or savings account. No need to worry about having a fee for not having a minimum balance requirement. You will save […]