Personal Finance

Happy New Year! The start of a new year is the perfect time to set goals and resolutions, but achieving them doesn’t have to add financial strain. Whether you’re looking to get fit, focus on self-care, learn new skills, or spend more time with loved ones, there are plenty of ways to save money while leveling up. With a bit of creativity and motivation, you can align your goals with your budget! Here are our tips on how to make the most of your 2025 resolutions without overspending.

You know you’re supposed to be saving money for your kids’ future. But, with everything else you have to pay for, from day-to-day expenses to saving for retirement, saving can feel like a lot. Trust me – I’ve been there. There were several years where my husband and I didn’t save for our daughter’s education because money was so tight. And while taking a break from saving can help get you through a tight spot, you don’t want to do that for long. After all, according to the Department of Education, the average student loan balance per borrower in 2024 was almost $38,000. If we save money regularly during our child’s adolescence, we can do a lot to offset that debt for our kids.

Whether you’re saving for something fun, like a tropical getaway, or something practical, like a ‘just-in-case’ fund, saving can be daunting. These 5 ways to save for a rainy day will help set you on a successful savings path!

If you were shocked by how much you spent on holiday gifts last year, now is the time to start thinking about how to avoid a repeat performance. Even though it may feel painfully early to think about the holidays, starting now will give you plenty of time to plan, budget, and build a shopping fund so you can avoid carrying extra debt into the New Year.

Whether you plan to stop working the day you turn 65 or are taking a wait-and-see approach, it’s essential to sock money away for retirement. These days, many jobs do not include a guaranteed pension or even an employer match for a retirement fund, so much of the saving is up to us. And the earlier you start, the better!

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Credit cards have a bad rap. After all, credit card debt is on the rise. Debt increased by over 10 percent when comparing Q3 of 2023 to Q3 of 2022, according to Experian. So, I will begin by saying that if you are currently struggling with credit card debt, save this post for when your credit card debt is in the rearview mirror.

Even though the economy is improving, money is still tight for many Americans. If you’re struggling to pay your bills on time or save money for a rainy day, here are my favorite ways to earn a little extra cash.

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