Tag Archives: budget
only what you need
Buying only what you need instead of what you want can be a hard rule to follow. It’s OK to indulge in what you desire now and then, but the key is to be intentional. If you are unsure whether … Continue reading
Gift Giver
We have given Christmas gifts to eight of our son’s friends since middle school. I recently retired and do not make the kind of money I used to. I want to tactfully tell them that I love them all dearly … Continue reading
Adult Advice
“Credit cards do not equal free spending. If you have to get a credit card, get one with a smaller limit that you can use only in case of emergencies. Start saving for retirement in your 20s. Wear sunscreen. Hydrate. … Continue reading
Getting laid off
Getting laid off can be a devastating experience, and it can make planning for the future difficult. Career coach Octavia Goredema offers a practical checklist of next steps to help you focus on your future rather than get bogged down by logistics. … Continue reading
The broke college student
If you’re a college freshman, congratulations! You’re now likely financially responsible for yourself.How do you make smart financial decisions so you have enough money to spend at school — and don’t graduate with more debt than you need? 💰The general … Continue reading
Real Life of an MSW 