Entrepreneurship offers a world of opportunities for those who can manage being their own bosses and running their own businesses. I believe it’s the new job security for my generation. No longer are you at the mercy of your boss -- you can take action and create your own work, career, and business. But that doesn’t mean creating those things for yourself is easy or without challenges. Even … [Read more...] about 5 Signs It’s Time to Start Your Own Business
4 Steps to Negotiate a Raise You Deserve
Whether you just landed a new job or you've worked in your position for over a year, you might find it intimidating to negotiate a pay raise. It’s tough to talk about money in the first place. It's even tougher to ask for more. You want to make sure you are not overstepping your boundaries, or asking too much — but you also want to get paid what you deserve. Negotiating can feel … [Read more...] about 4 Steps to Negotiate a Raise You Deserve
4 Tips to Overcome the Fear of Spending So You Can Enjoy Your Cash
In our quest to save money for emergencies, retirement, and future goals, it’s easy to develop a fear of spending money. But that's not a healthy way to approach your finances. As long as you have an emergency fund to cover the basics and are saving consistently for retirement, you are allowed to spend money on yourself sometimes! The key is to align your spending with your … [Read more...] about 4 Tips to Overcome the Fear of Spending So You Can Enjoy Your Cash
What Should Your Emergency Fund Look Like?
Starting an emergency fund can sound like a daunting task. Three to 6 months of your income, in one place? That's a big number! You may think you don’t even need an emergency fund. But don't be fooled into this line of thought. After all, it's hard to know exactly when an unexpected expense will pop up (but somehow it always seems to be at the most inconvenient times). Emergency … [Read more...] about What Should Your Emergency Fund Look Like?
Reflecting On Your Finances At The New Year
According to a Fidelity study from 2014, 31% of Americans planned to make financial resolutions for 2015. Of that group, more than half wanted to save more. The median goal was to save $200 per month. But before you look ahead to the goals you want to accomplish in the new year, take a moment to consider how your money situation changed in the last year. Evaluate … [Read more...] about Reflecting On Your Finances At The New Year
Why I Love HSAs for Millennials
As a new employee, you may be confused by all the health insurance terms out there: What are PPOs and HDHPs, and how are they different? What’s going on with HSAs? And which one makes sense for me? Let’s start with the basics: Preferred Provider Organizations (PPOs) vs. High Deductible Health Plan (HDHPs). If you select your PPO plan, you'll likely have a smaller deductible with higher premiums … [Read more...] about Why I Love HSAs for Millennials