Financial Literacy vs. Personal Finance: What’s the Difference? Before we go any further, let’s get something clear: financial literacy and personal finance are not the same thing. Most people assume they are, and that’s where the confusion (and frustration) begins. Financial literacy is the foundation for everything in personal finance. It’s the equivalent of how…
Holiday gift-wrapping is all fun and festive… until you realize you’re out of tape, missing a gift box, or scrambling for a last-minute solution that doesn’t involve newspaper and duct tape. We’ve all been there. But this year, let’s avoid the chaos and get ahead of those sneaky wrapping surprises. Whether it’s wrapping gifts for…
Everyone has enough candles to last a lifetime (usually in scents they don’t even like), socks they’ll never wear, and while we all love chocolate… how much chocolate can one person eat? (Okay, a lot, but maybe it’s time to think outside the chocolate box this year!) If you want your hostess gift to stand…
Have you ever seen the Grand Canyon? I did this past summer with my parents, husband, and kids. It had been on my bucket list for years, and seeing it in person was absolutely breathtaking. The sheer size of it, the depth, the colors—pictures don’t do it justice. What struck me most was the realization…
In 2018, I vividly remember someone declaring, “If you just stopped spending so much money, then you’d be fine. You must know the Golden Rule: Don’t spend more than you earn?” I just stood there, thinking, “Yes, of course, I have my Master’s in Finance; I’m quite familiar with that rule. But you try living…