In August 2019, I wrote about transferring money to loved ones safely domestically and internationally through banks and financial companies on my Fearless Financial Future blog. I received a reader’s request to write about some of the other ways consumers are repaying each other or transferring money using mobile devices. In this article, I explore the relationship between banking and technology by focusing on peer-to-peer (P2P) mobile payment apps.

2019 was a year that most of us seemed to want to forget… but you know the one thing you can’t forget from last year. That debt you may have racked up.

Debt, it feels like such a nasty word. For a lot of us, debt seems to follow us around like a bad habit. Debt defined is the money you owe to another person or business. For our January podcast – Camaya and I tackled this topic and wanted to give our listeners (and readers) some timely tips to help you make a debt in your debt.

Cosmetics may seem like a great gift for a teen, tween, sister, wife, girlfriend or any woman in your life, but with the rise of counterfeit cosmetics, a low price for a typically high end product may end up hurting a loved one or yourself. The beauty industry was valued at $532 billion dollars in 2017 with an expected market value of $805 billion dollars by 2023.

Happy New Year’s!  Now is the time to think about resolutions for 2020 and many people ponder which financial goal to choose. Sometimes I tend to make setting resolutions complicated and involved, and then I’m not likely to stick with the resolution.

While I give gifts all year long, this time of year I buy a lot of gifts!  The fact that my sons’ birthdays are in November and January just add to the gift buying.

What are some of the smart mobile devices (SMDs) you have in your household?

As the seasons shift, now is an excellent time to pause and reflect. This past week I’ve been reflecting on how my values affect my choices, including my financial decisions. I find taking time to reflect before the holiday season (defined by me as Halloween through my sons’ birthdays in January) helps me manage my holiday spending.

I love when a blog post weeks intersects with a podcast release. This month, Camaya and I tackled the topic of subscription boxes called “You Check All My Subscription Boxes”. This particular topic is what we describe as “me-search” because I have invested a lot of time into reviewing and subscribing to different subscription boxes. Let’s start with the basics.

What is a subscription box?  How much are they?

While it’s only September, as a financial educator I’m thinking about my holiday budgeting and spending. Why am I thinking about this now? Because lots of other people are too! According to the National Retail Federation 18% of people start their holiday shopping in September or earlier. Here are some tips for 2019 to make your holiday spending a little easier.

MAKE A BUDGET within a BUDGET

On the financial to-do list, saving for retirement is one of easiest to say, I’ll do that another day! The good news is that two-thirds of Americans are saving for retirement, according to 2019 EBRI/Greenwald Retirement Confidence Survey. If you are one of these people, congratulations!

Do you think the student should pay for their own college expenses?  Or is it the parents’ responsibilities?  This is a tough question!

Financial worries are often on people's minds. Finances can cause conflicts between family members and friends. Research studies even show being worried about finances decreases employees' productivity. One of the things Illinois Extension does is to help people manage their finances and relieve money-related stress.

If you can believe it, I've been blogging for almost six years now. As a financial educator, writing these words on the internet might mean that I could be banned from the "financial educators club", but the fact of the matter is that for almost a year now I've struggled with tracking ALL my expenses, all the time. Maybe you're like me, tired of tracking every penny on an excel spreadsheet, ever changing phone app or maybe you have never tracked expenses at all, but let's discuss the two things I do track.

Food

When I was in graduate school, I remember having conversations with my peers about the length of time it would take us to repay our student loans. For some of us, that meant closer to our proposed retirement years. For some older adults (60 and over), the realities of carrying student loan debt continue to increase.

We can't be an expert in all topics. That's why we seek help from people who have expertise in areas we don't. Financial professionals can help you explore alternatives and strategies to best manage your finances.

My Summit Experience

I recently attended an employer summit that focused on how school districts, school counselors, and employers can collaborate in preparing students for life after high school. Some important highlights of that meeting was providing hands-on, accessible, relevant, and timely education and practical experiences for students. Experiences that are innovative and collaborative and prepare them for adult life. Access to technology and leadership opportunities focus on hard skills that young people need to be resourceful and successful.

This summer, my husband and I are starting a kitchen remodel project -- yikes! Our house is over 60 years old and the kitchen is desperate for an update. In the next few months, I will blog about our journey – hopefully, this will be helpful to others facing remodeling projects.

I worked as a member of a wait/service staff (i.e., a tipped worker) for five different types of food service establishments during my undergraduate years. The tips I received helped pay for my student loan, maintaining my car, housing, and some of my other personal care needs. Even though I wasn't bringing in a lump sum, it all added up. I've also been in the role of the customer in situations where I am wondering whether I should tip a service person. In what situations do you tip or decide not to tip?

Graduation season is coming up soon! Whether it's a high school graduation or college, gift giving season is in full swing come May. According to the National Retail Federation total gift spending last graduation season was expected to reach $5.2 billion. The average person buying graduation gifts will spend $102.51. That's a lot of money being transferred to the new graduates. Below are some financial ideas to consider.

How Much to Give?