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Celebrating a birthday in your 40s can be just as fun and meaningful as it was when you were a kid, without spending a lot of money. With several more decades of life experience, we know that it’s the people we love that mean the most, and not the things we acquire. The challenge is … Read more

Financial gurus too often assume that a perfect plan is the best way to achieve a goal like paying down debt. In an imaginary world with unlimited self-control and no obstacles, that advice is useful. Back in reality, many of us get discouraged when we fall short of our ambitions. The more perfectionist you are, … Read more

Small money tasks can pile up quickly if you don’t stay on top of them. And, because they feel small, they’re easy to push off for a few days… or even longer. Before you know it, you’ve already spent a chunk of the money you had planned to use, or a small fee has been … Read more

How to Handle Expensive Plans With Friends One of the hardest aspects of a debt-free journey is the long period of hard work and planning it takes to achieve financial freedom. This inevitably means delayed gratification, which wouldn’t be so bad if everyone around you was doing the same. But they aren’t. Most of your … Read more

What to Do With Your First Side-Hustle Payment Earning your first payment from a side-hustle is a memorable experience, and for good reason. It’s the point at which you’ve proven to yourself that you can make money in a way that doesn’t involve your main job or working for someone else. You now have options … Read more

What to Do Before an Annual Bill Comes Due Annual and irregular bills have a way of catching us off guard. It’s not that we didn’t know they’d arrive; it’s just that they’re out of our usual monthly rhythm. Let’s say you want to make an ambitious plan to save up for some larger expense. … Read more

How to Start Over After a Bad Money Month A bad month financially can be incredibly discouraging, and that can lead to a sense of hopelessness. You may feel like all of your progress will eventually be undone, or that maybe your goals are impossible anyway. Just as one bad decade of your life doesn’t … Read more

How to Stop Feeling Behind With Money One of the hardest feelings to shake is believing that you’re behind in your goals. You can be doing a lot of things right and still feel like the progress you want is out of reach. These thoughts can leave you feeling frustrated and impatient, while also being … Read more