It takes extra effort around the holidays to stay within a budget. We tend to spend more when we're tired and stressed, and holidays can add tasks and expectations to our already busy lives. In addition, everywhere we turn are spectacular sales, deals, and wish lists full of gifts and gadgets to buy! As the season for giving begins in earnest, think about ways to save a little money here and there for big savings overall.
I had a few conversations with a friend who decided to add a loved one to his credit card as an authorized user. Over the years, we had many discussions about some of the challenges he faced building his credit history as an immigrant with a thin credit file. He had been a joint account holder in previous situations, and now he was in a position to help someone else. Like my friend, I have been a primary account holder, joint account holder, and an authorized user, which lead me down this path to talk more to colleagues, do research, and write about piggybacking credit.
Travel is the spice of life! Travel is an opportunity to see and do things differently from our daily lives, connect with family and friends, and re-energize ourselves. Whether you choose to out of the county, across the country, or around the world, thinking about ways to decrease costs can be helpful – maybe it’ll even mean you can do more travel!
Every year people gather up all their tax documents, organize them and then think about their options: do their income tax filing themselves, pay someone else do it, or find another option! Today, let’s explore these options.
Attending conferences is one of the best ways that I get to learn new ideas and research, as well as getting to network/brainstorm with other professionals. This year at the Association for Financial Counseling and Planning Education’s annual symposium the constant theme from the conference we heard was hope and empathy. Here are a few takeaways from this year’s AFCPE conference:
More Research is being done with couples and money