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What truly constitutes an emergency? Many of us tend to justify taking money out of our rainy day fund by calling something an emergency when, really, it’s not a true emergency. As you work on building your emergency fund, take a step back and consider how you will use the money you accumulate. Dr. Stephen Lesavich, the co-author … Read more

An unsecured credit card is what you typically think of when someone mentions the term, “credit card”. It allows you to make large purchases and pay them back over time. They also often come with rewards programs like air miles and cashback. Because it’s ‘unsecured’, credit card issuers won’t ask you to put down any … Read more

Have you ever thought about where your spending habits come from? We all know that some of us have a hard time saving money, while others find it difficult or painful to spend their hard-earned cash. Some of your money management style comes from your upbringing — the lessons your parents taught (or didn’t teach) you … Read more

Business credit cards can be an excellent tool for a business owner. In addition to allowing you to purchase essential items for your business, you can also keep your business expenses and personal finances separate. As a business owner, this is vital for your financial and tax records. However, when applying for a business credit … Read more

Get in your car. Now drive 100 miles southwest from your current location. Get on any road; it doesn’t matter which. Where will you end up? If you don’t have a map, you probably don’t know for sure. You may know the approximate area, but if it wasn’t where you truly needed to go, then … Read more

Gamification used to rest only on the outskirts of society. It involved people staying up all hours of the night speaking in foreign tongues, living secret lives of mystical time travel, and using weapons of intelligence to reach their destination. Dungeons and Dragons was the ultimate game. Now, gamification is everywhere. Want to shed pounds … Read more