Smart Money

19 Financial Goals for Your Family that You Could Start Working on Today

Last updated on March 6th, 2018Financial goals always seem very daunting, especially if you have never been good with money.  If you go a step further and consider  “financial goals for your family”, you are probably just feeling like you should give up before you start. I am here to tell you that not only can financial goals for your family be easy to come up with, but they are extremely important for the financial future of your family! Just like all categories that you may set goals for yourself in like health, wellness, organization, and relationships, financial goals are […]

Educating Your Children on Good Financial Habits Before They Leave Home

This is a guest post from Patty over at Working Mother Life. We have just a short amount of time to prepare our children to be productive members of society. From a very early age, our children watch everything that we do and learn from us. They soak everything up like a sponge. If you haven’t already been doing so, it is time to teach them some good financial habits before they grow up and leave home. The best thing that you can do is model good financial habits and behaviors, but on top of this, you need to teach them […]

5 Ways to Deal with Finances in a Divorce

Last updated on March 19th, 2018This article is a guest post from Andy Masaki over at Untangling the varied emotions associated with a divorce is difficult, but untangling your finances in a divorce can be much easier. All you need is a little knowledge to help you out and it is better if both of you make the decision to deal with your finances in a divorce together. It is a bit difficult as your emotions are attached to your home, investments, etc.  Unfortunately, you have no other option than to plan the right way to avoid misunderstanding and […]

6 Areas to Save Money During Wedding Season

Last updated on March 19th, 2018As an almost-thirty-year-old (not quite yet!), I feel like half my Facebook newsfeed either gets married or attends a wedding every weekend.  I am sure you are thinking it is hard to save money during wedding season! If you are in that mid-twenty to mid-thirty age range, you know exactly what I am talking about. And you have your fair share of weddings to attend each year between April and October. It can get EXPENSIVE.   Sometimes you might even feel like you don’t want to RSVP ‘yes’ to another wedding in fear of what […]

Life Insurance is a Necessary Expense in Your Budget

Last updated on June 13th, 2017Let’s discuss a topic that most people do not think about often enough.  Life insurance is something you should be thinking about as soon as there is someone else in your life who would be affected financially by your death. It is absolutely a necessary expense in your budget. It is always better to be protected to lessen the financial burden that death may cause for your family. While usually I am advocating for ways you should be saving money, this is an instance where I am recommending that you spend money in order to […]

Best Practices for Managing Student Debt

Last updated on June 13th, 2017This is a guest post from Drew Cloud over at The Student Loan Report. For millions of Americans, borrowing from federal or private student loan providers is a necessary component of attending a college or university to earn a degree. Nearly 70% of all graduates leave school with a student loan burden, averaging more than $35,000 per individual. In 2016, the Federal Reserve Board reported more than 19% of borrowers owe $50,000 or more in student debt – a financial obligation that represents more than a car purchase or a down payment on a home. […]

How I Am Paying off $38,350 in Student Loan Debt

Last updated on June 13th, 2017This is a guest post by David over at   It is no surprise that student loan debt controls the lives of many borrowers. In fact, many of the borrowers who did take out a student loan did not fully understand the position it would put them in when they graduate. I know I did not, but I still have to pay the amount back. I have decided that I do NOT want to be making student loan payments for the rest of my life, so I will be paying down my student loan debt […]

Five Reasons You Need Renters Insurance

Last updated on February 28th, 2017 5 Reasons You Need Renters Insurance Most of the time I am looking for ways to SAVE money, but this is something that I strongly believe you should SPEND money on.  If you are renting your home, it is critical that you have renters insurance.  In 2015, only 40 percent of renters had renters insurance, compared to 95 percent of homeowners.  To me this indicates that when someone is “just a renter” they do not feel it is important to have insurance for their belongings.  Or maybe they assume they are covered by their landlord? […]