When you scroll through social media, you see countless articles (not unlike this one) talking about all of the classes that you wish...

It’s rare that you’ll find someone who doesn’t have a credit card. There are some Dave Ramsey devotees that swear by this tactic, but I am not one of them. Credit cards have a lot of great perks and a plethora of protections afforded to you. That being said, credit cards can do a lot of damage for people that use them in the wrong way. It can be a great asset, but using it incorrectly can hit you hard. I hope that you’re not making any of these mistakes. Carrying a Balance Ha

Are you at the point where you want to consider paying off your mortgage? Does it seem overwhelming in that the balance amount is more than you ever thought of tackling before? How do you eat an elephant? One bite at a time. Little by little, you will chip away at it and before you know, you will be completely debt free. Make Extra Payments Instead of making your normal monthly payments, divide your monthly payment by two and pay it every two weeks. So, if your monthly mortga

Do you think the American Dream still exists? Well, not unless you inherit a bunch of money from your family, right? Do you believe that the rich just continue to get richer and the poor get poorer? Let’s drill down to some specifics and let go of any hyperbolic rhetoric that you’ve heard before to see where the truth lies. Class Mobility When you hear the top 1%, what comes to your mind? Crazy egomaniacs crushing their underlings getting rich off of exploiting the poor? If y

Emergency Funds aren't just for adults. It's never too early to teach your kids about finance and have them use it in a practical way....

One of the best ways to cut back on your costs is to plan ahead. You should be prepared for any purchase, big and small. I am talking...

Having children gives you so many opportunities to teach them about money and finances. They are seeing you make decisions on items in...

In the previous blog on 7/2/21, Being Smart with Your Money and Those of Others (https://realpamelaferguson.wixsite.com/website/post/bein...

There are 16 habits that the wealthy practice on a daily basis. Are you doing these things?

Now that you’re working on simple and impacting ways to affect your bottom line for your family, it’s time to pass that information on to...

The cost for a membership at a club or gym can be up to hundreds of dollars per month, especially if you have your whole family there....

In the blog Saving Money on Utilities-Getting Started, 6/25/21, we started talking about ways to earn money for your family on utilities....

Utilities can be a large expense relating to your home. If you live in a climate that is exceptionally cold in the winter or quite hot...

If you are ready to do some renovations to your house, look in your own backyard before calling in the reinforcements. You can save...

We talk about the BIG things that you should do for your finances, but I believe that it really comes down to the small things that you...

Due to the economy being on a current downturn, many families have had to tap into their emergency funds for everyday living expenses....

Credit Card Debt Per www.valuepenguin.com, the average amount of credit card debt is $6,270 with most interest rates ranging from 15-29%....

Do you finally have some extra money, but am unsure if you should put money away for your retirement or for you child's college fund? ...

Everyone likes to be able to document memories and stages in their lives. This is why so many photography studios are able to have...

Once you learn all of the acronyms and figure out (somewhat) what options you have, it’s time to figure out if you’re actually ready to...