March 21, 2025

How to Escape the Paycheck-to-Paycheck Trap in a Pricey World

Life is expensive these days, and for many of us, it feels like every dollar we earn goes towards something before it even hits the bank. According to Bankrate’s Living Paycheck to Paycheck Survey, more than one in three workers—34%—say they’re scraping by with nothing left to save after the bills are paid.

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Recent Posts

Saving Strategies

 December 20, 2024

Turning Free Time into Dollars

By Annie Jacobs

These days, a lot of folks are jumping into side gigs to snag some extra cash and dive into stuff they love outside their 9-to-5. Whether you're saving up for a trip, knocking out some debt, or just want to make the most of your downtime, side hustles can help you turn your skills and hobbies into money.

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Financial Coaching

 December 2, 2024

The Impact of Modern Spending Habits on Consumer Behavior

By Annie Jacobs

In today’s fast-paced digital world, convenience is king. With just a few taps on your smartphone or clicks on your computer, you can have almost anything delivered to your doorstep. From "Buy Now, Pay Later" schemes to the allure of one-click shopping and subscription services, the ease of spending can sometimes lead to financial pitfalls.

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Lending

What you need to know as a First-Time Homebuyer

By Annie Jacobs

Buying a home is a big step, especially if it’s your first time. It can seem confusing but breaking it down into steps makes it easier. This guide will help you understand the process and also cover some tips on refinancing, which can save you money down the road.

 October 25, 20244 mins
Financial Coaching

How to Consume Less, Budget More, and Be More Financially Responsible

By Annie Jacobs

From ads on social media to enticing sales, the pressure to spend is everywhere. However, adopting a more financially responsible lifestyle is both possible and essential for long-term stability. Here’s a practical guide on how to consume less, budget more, and take charge of your financial future.

 September 9, 20244 mins
Financial Coaching

Middle Ground: The Shrinking American Middle Class and What It Means for the Future

By Annie Jacobs

The American middle class, once the backbone of the nation's economy, has been shrinking over the past 50 years. In 1971, 61% of U.S. adults were in the middle class, but by 2021, that number dropped to 50%. Meanwhile, more people have either moved into the upper-income or fallen into the lower-income tiers.

 September 9, 20244 mins