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     Its tax time! Many people’s favorite time of year….some people, not so much. All depending on if you owe taxes or if you will receive a refund. Taxes may seem very confusing but it’s rather simple once you understand how it works. I will break down why you receive a refund, why you might owe taxes, how to prevent owing, and easy and cheap ways to file your 2018 tax returns. In the United States...
     Life is unpredictable, and sometimes we are dealt a bad financial hand from the start. It is very important to understand what to do when we have hit rock bottom and see no way out. Everyone has the opportunity to be financially free. Here is what you need to know.      Hitting rock bottom implies that you are financially exhausted. You are in massive debt and have no way of getting out. It is...
     Here are some facts from The Federal Reserve (also featured in our Emergency Fund article): 4 in 10 adults would not be able to come up with $400 to cover an unexpected expense without selling something or borrowing money. 1 in 5 adults are not able to pay all of their monthly bills in full. More than 1 in 4 adults skip necessary medical care because they could not afford the costs....
     Before discussing what an emergency fund is and why you need one, let’s look at some interesting info. The Federal Reserve published “Report on the Economic Well-Being of U.S. Households in 2017” and it contained these facts. 4 in 10 adults would not be able to come up with $400 to cover an unexpected expense without selling something or borrowing money. Over one-fifth of adults are...