Be the Boss of Your Finances With These Easy Breezy Apps


By Kira Sparkles

Are your finances not exactly where they should be? That’s okay! You’re in good company. Only 30% of Americans have any kind of savings or investment plan and roughly the same number have an actual budget for their household which means a lot of us have some work to do. Am I where I want to be financially? Absolutely not. However, I’ve managed to sock away some money in a savings account and even raise my credit score (woop woop!). I’m realizing the path to fixing my finances is a journey just like anything else. People talk about hair journeys and fitness journeys, so let’s take a finance journey. I promise it doesn’t have to be daunting. In fact, the first step is easy: awareness.

In the digital age, a lot of us don’t carry cash, but we do carry cell phones that have amazing apps to help keep us focused on our goals. I wanted to share some of my personal favorites that I hope can help you too.

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8 Christmas Shopping Tips for the Budget Conscious


 By Kanisha Parks

You’ve seen those commercials where they ask the person’s Christmas shopping budget, right? And they’re like, “Um, about $500.00” Let’s be honest—most of us know good and well we don’t have that much to spend! Listen: there is absolutely nothing to be ashamed of. For some reason, when Christmas comes around, people throw the budget out the window and go all out. And when the next year rolls in, they find themselves embedded in debt. It’s really just not worth it. Yes, it’s great to give nice gifts, but if it’s going to cost you your light bill; it’s time to re-think your definition of “nice.” Remember: you can and will still have an amazing Christmas without going broke. (Besides, it ain’t their birthday anyway!)

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