Financial Planning

Why I Hate Budgeting and A Better Solution

Too much of the personal finance content that exists is centered around cutting expenses and budgeting. I honestly don’t think budgeting works for the vast majority of people and here’s why. Budgeting is Cumbersome and Restrictive Even though it is both of those things, budgeting is a necessary evil at the beginning. You have to do it for a short…

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Big Picture, Financial Planning, Millennials

How To Negotiate Your Salary

According to Salary.com “Only 37% of people always negotiate their salaries—while an astonishing 18% never do. Even worse, 44% of respondents claim to have never brought up the subject of a raise during their performance reviews.”  It’s safe to say that most people do not negotiate their salaries and the impact this can have on your lifetime earnings is massive. …

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Financial Planning

Tax Credits vs Tax Deductions

I often hear people mix up tax credits and tax deductions so I thought it could be helpful to break down what each of them are and how they work so you can know what the differences are. I will say, both are great for reducing your total tax liability and something you want to be aware of.  Tax Deductions …

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