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If you’re a younger millennial or a part of Gen Y, there’s a good chance you’ve yet to experience the unique joy of facing a widespread round of company layoffs. If you’re a GenX or even a Boomer, then you’ve been through times like this before, but never at your current age and station in life; so even though
Financial Habits For Success:  In their paper on financial planning in the Journal of Economics in 2003, Ameriks et al. posed the question of how households that begin with a similar level of wealth and income tend to diverge over time, with some becoming wealthier, while others did not. A leading indicator for future wealth was “propensity to plan,”
Maintaining a sensible budget is about more than just limiting your spending. After all, there will be times in your life when you’ll be able to spend more and save money easily, just as there will be times when saving will be a struggle every month. In a way, your money habits are no different from your eating habits,
Mastering personal finance demands more than just maintaining a budget. Once you’re saving more than you make, and you have a comfortable emergency fund, you’ll need to start thinking about how to maintain and grow your wealth. Even though inflation may now be under control, we’ve still seen a period of relatively high inflation, that left the salaries of
4 hours and 49 minutes – that is how much time the average American spends watching TV per day. Live TV accounts for 2 hours 53 minutes, time-shifted TV for 34 minutes, and on-demand streaming for 1 hour 22 minutes. That’s according to a report from Nielsen, a global data measurement firm.  According to their findings, 82% of viewers
This summer I’m invited to a wedding. A good friend of mine is getting married to her longtime boyfriend. For the ceremony, the couple has chosen a beautiful small village in the southwest of Switzerland, close to where they live.  So lately I’ve been busy trying to find the perfect wedding gift for the bride and groom. That’s when
Inflation is growing, and that’s not good news for your pocket money. But what is inflation, and what can you do to combat its effects?
How much should you give to charity? To save the reader any suspense, that isn’t a question we feel we can answer for you. No. This post isn’t about answering that question, instead, it’s about asking it. Many of us give to charity. Even more of us want to give to charity, and even more of us still just
If you’re a BudgetBakers customer, you’re probably smarter than the average person. That’s what our research tells us anyway. You may not be susceptible to the most obvious of marketing and money scams, but that doesn’t mean that even the smartest people don’t occasionally get hooked into something they don’t fully understand. That’s what today’s discussion is all about.
Asking for a raise is never easy. It’s been quite a difficult couple of years for many of us. We’ve lost businesses. We’ve lost family members. We’ve lost friends, and some of us lost our jobs. That’s why now is the time to step up.  But with millions of people in the developed world seeking early retirement, and millions
We get it. The millennial generation is now the largest in the United States and in many other developed countries too. People born between about 1980 and 1997 are now the majority of new homebuyers, of new hires, new parents, and increasingly new political leaders as well.  A funny thing has happened though since their parents’ generations grew up.
Summer for my family means hot days hiding from the sun, warm evenings spent in our garden, and airy nights spent watching a film together on our home projector. So obviously I’m a big fan of movies, and having worked in the finance world for a long time in one capacity or another, I also have my favorite money
I have a confession to make. I’ve been living in denial for a while now. But it’s time to let go… The Sunk Cost Fallacy : How Not to Set Your Money on Fire It all started with a dream. I’ll admit, it was a silly conceit of mine. I had always wanted to own a BMW. In fact
While global climate change may be confusing the birds and the trees this year, it is still technically spring across the Northern Hemisphere (sorry Australia!). It’s time to clean up your budget! A new year, a new pile of bills you may want to look into. Most of us collect at least a few unwanted services here and there
These days are difficult and challenging for each of us. Everybody is facing their own personal crisis. To overcome your “fear of not having enough” (money, work, health), we’ve prepared a special package to offer you tips to smooth the crisis a little bit. We all are literally pushed to slow down. In the same moment, never before there

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