welcome to our blog. we are sisters and best friends. kelda lives in the bay area and lauren lives in nyc. together, we share all things travel, money and more. our mission is to provide actionable tips that still let you live your life! thanks for visiting!
The financial impact of tipping is often not accounted for or considered. Hidden costs and expenses are a huge reason behind why individuals cannot stick to their budgets or keep track of their spending. Through conversations with individuals in the service industry, friends and adults that I respect and look up to, I have come up with my best practices for tipping. Hopefully, these guidelines will be helpful to each of you if you ever find yourself in any unprecedented or new situations, as I did.
Understanding your credit score is one of the most important things you can do for your financial well-being, as building a good credit score has the power to save you hundreds of thousands of dollars over the course of your lifetime. Read on to learn what goes into your credit score and what you can do to improve it.
Negotiating a salary, whether at a new company or in our current roles, is the fastest way to make more money.. Your current salary sets the bar both for potential raises with your current company and for your starting salary at future jobs with new companies. Pushing for just a $1000 or $2000 salary increase, today, can pay dividends over the course of your career. Read on for my tried and true advice for a successful salary negotiation.
We need an emergency fund, but we also need to pay off our credit card debt. We need to invest in the stock market, but we also need to buy a house. If we have extra money, where should it go first? Read on to learn my advice on how prioritize your savings goals.
For anyone wanting to grow their wealth and, ultimately, "get rich," there are two secrets: investing and time. Investing and time are the two most effective ways to get rich. While it doesn't sound very glamorous or exciting, a 401(k) account combines both. It is a type of investment account, specifically for retirement, that relies on time to grow. The best part about this kind of investment account is that it takes virtually no knowledge, on your part, of stocks, bonds or market rates to work.
Statistically speaking, being in debt is normal. If you are in debt, know that you are far from alone. Paying off credit card debt takes patience, time and a great deal of willpower, but is the most important step that you can take toward living the life of your dreams and building personal wealth. Read on for three methods to pay off your debt once and for all!
I want to enable all twenty-somethings to live the fun, fabulous and free spirited lives that they so desire. However, in order to do that, we all need to put in a little bit of work to create a plan that fits our lifestyles. Read on for my recommendations on how to build a budget that you can actually stick to!
In the same way that nobody gains weight overnight, our financial situation isn’t shaped by one big thing; it is a series of many small decisions. If you can figure out WHY you’re making the small decisions that you are, you can figure out HOW to adapt your behavior to make better ones.
