Flanice Lewis 
You’ve decided to stop living paycheck to paycheck, and now you have work to do. Money doesn’t magically stretch to cover all of your expenses because you need more time. You have to make it fight for you. *Contains Affiliate Links* Change Your Mind The first step in getting out of the paycheck-to-paycheck cycle is … Read more
If you think you can’t recession-proof your finances, then think again. The signs are all there of a looming economic downturn, but you can protect yourself. The key is to start now. What is Your Starting Point? First, you need to review your financial situation. Review all of your accounts, even those you thought you … Read more
Self care is an essential part of successful living. Taking care of yourself ensures you can function at your highest capacity. However, your self-care practices can be pricey if you’re not mindful. Here are some popular ways to treat yourself without breaking the bank. Massage One of my favorite ways to relax is a deep-tissue … Read more
If you’ve recently left your job, you may be wondering if an employer can hold your last paycheck. Based on federal law, the answer is no. However, you may not receive payment immediately, and it may not be the amount you expected. Reasons to Withhold Your Last Paycheck Federal law prohibits employers from withholding final … Read more
The unwritten rule is that your housing costs should not exceed 30 percent (sometimes 28 percent) of your gross income. Historically, expenses any higher than this indicated a cost burden and lack of affordability. Although widely used for decades, the rate may be unrealistic in this day and age. Gross vs. Net My first issue … Read more