Ways To Invest In Real Estate

The pandemic has caused some markets to crash and some to explode. When it comes to the housing market, the idea of a market crash looms in the minds of some Americans, but that's not the case for everyone. Since the pandemic, we have seen housing loan interest rates hover around 2%. Aside from that, homes for sale do not stay on the market long and sell way above their asking price. If you're looking to get into real estate but the market is too hot right now, here are a few alternative ways to 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 [...]

How to Get Emergency Loans for Single Moms with Bad Credit

We would all like to lead a perfect life. The kicker is, life is not so perfect. We all make mistakes, and some can be harder to dig ourselves out of than others. When talking about finances, some hefty mistakes come along with debt accumulation. It can make our credit bad. Add being a single mother to that, and one emergency can put a halt to your livelihood. If you're a single mother, who has fallen on hard times, do not be afraid. There are ways to get good emergency loans for single moms with Read more [...]

How Do Foreign Transaction Fees Work | How Do I Avoid Them?

When traveling you can spend a lot of time and planning so that you enjoy the perfect vacation. However, if you are unprepared, then you can be in for a big shock when you check your bank statement.  This is because if you have not already exchanged your money into a foreign currency in cash, your bank can charge you extortionate fees and offer you terrible exchange rates. Here we will guide you through everything, from the basics about exactly what foreign transaction fees are, to how 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 [...]

Legitimate Ways to Make Money Online in 2021

In 2021, more and more people are turning away from traditional jobs working in an office. Instead, they are turning towards a more comfortable workplace: their homes. This means that a lot of people have started working and making money online. There are a lot of different online websites and services that allow you to make money by using your skills and competencies. These can include craft skills, language skills, or other skills such as photography.  However, if you are not in such 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 [...]

Finance Topics To Address Before Marriage 

The dating pool can be one of two things, exciting or hard to navigate. There are a lot of potential mates out there, and maybe you have found the one. Before you jump into talks about marriage, there are a few things you need to discuss. You want to make sure you are compatible in love and with finances. Finances are one of the top reasons people divorce. If you're looking to stay married for the long haul, here are finance topics to address before marriage. Debt If you are like me, it’s 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 [...]