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A Financial Guide to America in the 21st Century

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Do You Want To Build Credit?

Do You Want To Build Credit?

Jul 16th, 2020 · 0 Comment
  Do you know what to do to build credit and establish yourself as a good credit risk? Believe it or not, the way you approach a small...
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Scams to watch out for COVID 19

Tax Scams And Government Impostor Schemes During COVID-19

May 21st, 2020 · 0 Comment
Have you encountered scams during COVID-19? In any emergency, a certain number of bottom-feeding scammers come out of the woodwork to cheat... more →
Is Monthly SSDI Enough To Make Ends Meet

Is Monthly SSDI Enough To Make Ends Meet?

May 14th, 2020 · 0 Comment
Is monthly SSDI enough to make ends meet? To start, it’s important to know what SSDI is and how it differs from a similar program called SSI. Social... more →
Save Your Mortgage during COVID19

Save Your Mortgage During COVID-19

May 7th, 2020 · 0 Comment
Many homeowners are worried about their mortgages during the COVID-19 pandemic. And while it is true that government-backed mortgage bailout... more →

United States Coronavirus Tax Relief

Apr 30th, 2020 · 0 Comment
Are you in search of coronavirus tax relief? In March of 2020, Congress passed the $2.2 trillion Coronavirus Aid, Relief, and Economic Security... more →
coronavirus scams

Avoid Coronavirus Scams And Protect Your Savings

Apr 23rd, 2020 · 0 Comment
People are being victimized by coronavirus scams. It’s bad enough that a vocal minority keeps insisting on endangering the greater public... more →
financial troubles

Things That Can And Can’t Be Controlled During Financial Troubles

Apr 16th, 2020 · 0 Comment
Financial troubles are common, even when there is no global coronavirus emergency to contend with. There are plenty of things that can and can’t... more →
Keep Paying Your Bills During COVID-19

Protect Credit Scores: Keep Paying Your Bills During COVID-19

Apr 9th, 2020 · 0 Comment
Credit scores are more important than ever. The coronavirus pandemic and the economic impact of COVID-19 has caused millions of people to apply... more →
Make Money During Pandemic

How To Make Money During A Pandemic

Apr 2nd, 2020 · 0 Comment
Are you interested in making money during a pandemic? There are some things you should definitely NOT do including price-gouging (which can... more →
Mortgage Bailout coronavirus

Did The Government Suspend My Mortgage Payment As Part Of Coronavirus Relief?

Mar 26th, 2020 · 0 Comment
Are you having trouble making your mortgage payment? There are many headlines about economic relief associated with the coronavirus pandemic... more →
Jobs For Deaf

Top 5 Jobs For Deaf And Hearing Impaired

Mar 19th, 2020 · 0 Comment
Are you interested in top jobs for the deaf and hearing impaired? When I was given the assignment to write this piece (some are assigned, some... more →
refinance loan coronavirus

Should You Refinance Your Home Loan During The Coronavirus Outbreak?

Mar 12th, 2020 · 0 Comment
Should you consider a refinance of your mortgage during the coronavirus outbreak? Headlines about the pandemic have served to throw stock markets... more →
procrastination costs

How Procrastination Can Save And Cost Money

Mar 5th, 2020 · 0 Comment
How does procrastination save money? It sounds like a pretty absurd concept compared to the question of how procrastination costs money. And... more →
joejuan williams

Five Money Lessons from Joejuan Williams

Nov 20th, 2019 · 0 Comment
There are five lessons to be learned from Joejuan Williams’ money mastery. He lives off 10% of his multimillion-dollar income, and I’m... more →
roth 401(k)

Is a Roth 401(k) Better than a Traditional 401(k)?

Nov 14th, 2019 · 0 Comment
With retirement planning, there are so many options. Now that there’s increased availability of the Roth 401(k), the question is whether... more →
choose insurance

It’s Time to Choose Insurance for 2020

Nov 12th, 2019 · 0 Comment
Open Enrollment has begun, so it’s time to choose your insurance policies to make sure you’re getting the best and most affordable... more →
streaming live tv

What’s the Best Option to Stream Live TV?

Nov 8th, 2019 · 0 Comment
You now have more inexpensive options than ever to stream live TV, but which gives you the most bang for your buck? Depending on your location,... more →
roth ira

Fact Check Finance: Mitt Romney has $102 million in a Roth IRA?

Nov 5th, 2019 · 0 Comment
I recently saw a post on Instagram shared by a personal finance coach berating anyone not taking advantage of a Roth 401(k). He used Mitt Romney’s... more →
fed rate drop

The Fed Dropped Rates Again – Is the Third Time the Charm?

Nov 2nd, 2019 · 0 Comment
Is the third time a charm for interest rates? The Federal Reserve has cut rates again this year, so your savings account may not make as much... more →
investment scam

How to Spot an Investment Scam

Oct 30th, 2019 · 0 Comment
Have you ever had someone say they could make you rich if you handed over a few thousand dollars for them to invest? If you haven’t, and... more →
pay for medical care

How to Pay for Medical Care Without Going Broke

Oct 24th, 2019 · 0 Comment
If you’ve ever spent the night at a hospital, you have learned that our health care system is costly. There are separate charges for doctors... more →
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About the Author

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in Arizona where she dislikes the summer heat but loves the natural beauty.


Critical Financials’ Basic Personal Finance Rules

Here are some simple guidelines that will help you build wealth:  

1) Do the math. Get a budget and calculate your net worth

2) Get an emergency fund. Save at least 6 months worth of expenses

3) Limit costs. Spend no more than 30% of your income on housing

4) Max your retirement. Maximize contributions to your tax-deferred retirement accounts

5) Pay yourself first. Set aside money for yourself before you take care of your other bills

6) Set goals. Goal let you get ahead faster

7) Avoid high interest debt. Avoid credit cards, title loans and other usurious loans

8) Diversify. Diversity your assets.

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