How to Pay for Home Repairs With No Money

Your home is in desperate need of repairs. Or maybe you just know that with a little home maintenance, you could save a lot on energy bills. Either way, you need to put some money into your house. However, you don't have any money to spare. What are you going to do? Here are some options to pay for home repairs with no money. Do It Yourself There are some projects around the house that you're able to do yourself. Oftentimes, you have the supplies already. The only cost is the labor, and if you Read more [...]

Would I Be Happier Working from Portugal?

I live in San Francisco. I love it here. It's one of the most amazing cities in the world. More importantly, I feel creatively, emotionally, and socially fulfilled here. However, there's no denying that this is one of the most expensive places to live. Having worked from home for over 15 years, I could easily work from anywhere. Is it time to start thinking about a move? If so, would working from Portugal be a good option? San Francisco Is My Creative Center I stay here because I love it here. Read more [...]

Is A Financial Therapist Worth The Cost?

I've been thinking about going back to therapy for awhile now. There are a few key things that I'd like to work through. I have to confess, my relationship with money is one of those things. Therefore, I've been looking into seeing a financial therapist. What Is a Financial Therapist? A financial therapist is a regular licensed therapist who has the education and experience to work with you in a variety of different issues. Therapists all get a baseline foundation to help diverse clients. However, Read more [...]

How to Make Money Selling Cosmetics

The best thing you can do is to make money doing something you love. If you love makeup, then you might want to find a way to make money off of that passion, right? Here are some of the ways you can make money selling cosmetics. Decide Which Cosmetics You Want to Sell There are two different approaches to make money selling cosmetics: Sell someone else's makeup line Design your own makeup line for sale These are very different ways to make money selling cosmetics. If you're just breaking Read more [...]

What Would Frida Do (About Finances)?

This week I'm reading a book called What Would Frida Do?. Subtitled "A Guide to Living Boldly," Arianna Davis's book isn't specifically about finances. Instead, it's a book about the life and inspiration of artist Frida Kahlo. However, I've found over the years that you can get financial insight from almost any genre or medium. Therefore, as I read this book, I thought about how it applies to personal finance. What Would Frida Do? What Would Frida Do? is a really interesting book. It's a biography Read more [...]

5 Major Changes When Transitioning to Single Income

Why Are You Transitioning to Single Income? There are two situations in which you might find yourself transitioning to single income. In scenario one, you're getting a divorce or separation. Therefore, you're going down to one income but you're only supporting yourself (or potentially you and your children.) As a result, your income will change but so might your financial needs. On the other hand, in scenario two, one person in a two-income household won't be working for a little while. Perhaps Read more [...]

Putting Money in a Roth IRA Even Though I Have Debt

In the past few years, I've worked hard to contribute the maximum amount allowed to my Roth IRA. I have done this in spite of the fact that I have debt to pay off. Am I making the right decision? It feels like it's the right choice for me. What Is a Roth IRA? In case you're not familiar with it, the Roth IRA is a retirement plan. I am self-employed. Therefore, I don't have a 401(k) through my work. As a result, I need to take responsibility for my own retirement planning. The Roth IRA is the Read more [...]

Should You Focus on One Bill or Make Multiple Minimum Payments?

As we've discussed often, debt can feel so overwhelming. If you owe money to multiple lenders, the situations gets even trickier. You only have so much money to use each month. Should you focus on one bill or multiple minimum payments? What's the best way to get the debt down? Always Make Your Minimum Payments One of the most important things that you can do to maintain good credit is make sure that you always make your minimum payments on time. It's not always easy. Sometimes it requires juggling Read more [...]

What My Financial Personality Says About Me

I recently received an email from Marcus by Goldman Sachs. It gave me the opportunity to take a quiz to determine my financial personality. I'm always intrigued by these types of things, so I went ahead and answered the ten questions to see if I could learn a bit more about my financial self. About the Financial Personality Quiz The quiz is actually really interesting. It's a collaboration between Marcus by Goldman Sachs and the Myers-Briggs Company. The Myers-Briggs is one of the most well-known Read more [...]

What Are Your Rights When Your Salary Is Delayed?

One of the perks of having an employer is that you get a steady paycheck. You show up and do the job every day. In exchange, you get a paycheck every week, every other week, or every month. But sometimes things go awry and your employer can't pay you. What are your rights when your salary is delayed? The State You Work In Makes a Difference We will go over some general guidelines about what your rights are when your salary is delayed. However, before we do, it's important to understand that these Read more [...]