Many people are paying more attention to their personal finances at the start of 2026. They want to increase their savings, pay off their debt, and improve their financial picture.   Understanding which personal finance activities to focus on helps narrow down what you spend your time and energy doing. Starting with one area and working your way to other areas can make a substantial difference in your net worth. The following guidelines can help.   Setting Financial Goals Dev

One of my goals for 2026 is to increase my net worth. Setting strong objectives and breaking them down into actionable steps helps attain them.   If your goals for 2026 include paying down debt, increasing your savings, and enhancing your financial position, take action today. Establishing small money habits now can have a significant impact over time. The following tips can help.   Develop Your Spending Plan A spending plan allows you to track where your money should go thr

Starting a new year is the perfect time to evaluate your financial habits. Making changes to your spending and saving plan helps you reach your financial goals.   Everyone has room for financial improvement. Regularly making small changes to your financial habits can make a significant difference.   Implementing these tips can help you enjoy the new year without financial strain.   Save Before You Spend Have part of each paycheck automatically sent to your savings accounts ,

Before training to become a financial coach, I knew little about how money worked. Now, I have a more comprehensive understanding of how to earn, save, invest, and spend my income. I make educated financial decisions, resulting in additional savings and retirement investments.   Understanding the basics of personal finance provides many benefits. Managing your spending plan, saving for emergencies, and investing for retirement lead to long-term financial stability, security,

I didn’t really understand how money worked until I started training as a financial coach. My then-husband and I had substantial debt and...

Personal finance is the management of financial activities and decision-making. The areas include budgeting, saving, insurance,...

When I was in my 20s, I did not know much about investing. Fortunately, I met a licensed financial coach who educated me on financial...

The 50/30/20 rule in finance is a budgeting framework that divides your net income into three categories: 50% for needs, 30% for wants,...

Do you have an emergency fund? If not, I encourage you to start building one today.   An emergency fund supports your financial...

Personal finance was not a subject taught in the schools I attended. Perhaps you had a similar experience and are struggling...

When I worked as a licensed financial coach, I enjoyed teaching my clients about the five main areas of personal finance. Educating...