LARAYNE

Starting a business does not necessarily mean you have to have a lawyer and accountant and file a ton of paper work. You may already be working as one of the simplest and cheapest business structures already - Sole Proprietor…

Start thinking now about your dreams and include them into your regular budget. Set a special savings aside just that. Yes you want to cut out excess but none of your goals are excess, they are yours so feed them…

Seek someone, books, a course or something with knowledge in an area you are not familiar with. They can help you navigate and figure out what, where and how you need to do something and save you a ton of…

You will probably reach a point in your savings and debt elimination goals where you will have a hefty amount of money tucked away in your savings. It gives you confidence just thinking about it. 
Then you look at your…

If you need a co-signer that's a sign that you need to do 1 of 3 things: 

1. Don't get it. 
2. Wait a bit longer to get it. 
3. Find another way to get it. 

Being told you need…

The unexpected can and will eventually come. Do you feel prepared for when it comes? How has your emergency savings goal been going? Are you on track, reached your goal or not quite there? If you need a marker, aim…

What your keep vs. What you owe. 

How are you working to increase yours? The first step is figuring out how to manage and maximize what you currently have. I mean like really maximize your dollars and no make unnecessary…

So you've got some debt, a credit card, an annoying student loan that doesnt want to budge. 

Yes you have a minimum to amount to pay towards you credit accounts once per billing cycle but consider paying a bit more…

What is the one thing you fully enjoy and always think about? What do you always come back to like its your personal true north? It will likely solve a problem or make things in some area of life easier…

Credit card offers keep popping up in your mail box and your bank is sending you emails with card offers while you have classes to get ready for and you are tired of the bus and train. Don’t break drastically…

Christmas is fast approaching and I am all for getting the most bang for your buck, loading up on rewards and all but if you've been experiencing an absence of control use cash. 

Its simple enough to keep you or…