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How to Create a Budget: 6 Steps to Get You on the Path to Financial Security

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We all know expenses exist, but the numbers keep adding up—rent, water, trash, electricity, cable, Internet, car insurance, renter’s insurance, gas, cell phone. According to a Gallup survey , only one in three Americans prepares a detailed household budget. That’s a big red flag—you need a budget. It all feels a bit much.

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Is Earned Wage Access A Wolf In Sheep’s Clothing?

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The ability to access capital is great — but not when it comes at the expense of the workers. With budgeting and financial planning courses, online presentations, or virtual seminars, employees can get a feel for what their monthly budget needs to look like. The post Is Earned Wage Access A Wolf In Sheep’s Clothing?

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Avoid Using “Buy Now, Pay Later” By Planning Ahead

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According to a recent NerdWallet survey , 37% of respondents used BNPL services in 2021, and 12% of those borrowers used the service at least five times within the last year. Instead of relying on credit to meet your financial needs, consider doing the following: Make a budget. Know the risks. Save for big purchases.