It’s no secret that alcohol consumption can adversely affect your health. Still, many people drink alcohol without really thinking about how it could harm them. Since it’s legal and widely available, it must be safe, right? Not exactly. Alcohol is…
In a way, everything boils down to one thing when it comes to being successful and achieving your goals. What is it? Believing in yourself. Simply, having the self-confidence to believe you can do anything you put your mind to….
People might say many different things are the key to success. Some might say it’s all about having a great idea and putting in the effort to make it happen. Others might say that networking is essential, and you need…
Do you often still feel exhausted after a night of sleep or struggle to stay awake during the day? Millions of people around the world suffer from poor sleep habits. Some face an inability to fall asleep quickly; others toss…
Lately, we’ve been talking a lot about prioritizing your savings; article after article, we’ve discussed that knowing how to save your money is the key to generating wealth and securing your financial future. But there’s more to saving your money…
If you’re active on social media, you’ve probably noticed plenty of people touting huge profits from buying and selling speculative stocks. These big, one-day payoffs can make it seem like day trading is the key to financial security and success,…
Are you feeling run down and stressed? Unsure of how much you’re spending or saving? Answering work emails or texts after hours? Feeling like you’re not living a balanced life? You’re not alone. People everywhere are struggling to achieve life…
Let’s start by addressing the elephant in the room. The term “millennial” is problematic. Firstly, it encompasses a broad age range (persons born 1982 to 2002) with a multiplicity of divergent experiences and life circumstances. Secondly, for some, it’s an…
As Millennials, we’ve grown up through decade after decade of severe economic turmoil; in fact, we’re officially the unluckiest generation in US history when it comes to the economic odds we’ve had to face. And will continue to face down…
It’s no secret that you need to start saving for your future if you want to be wealthy down the road. The problem is most people keep putting it off. And while it’s never too late to start, the longer…
As an early or experienced investor, there should always be a method behind your madness when it comes to where you put your money. When you’re pulling the trigger on a new stock, index fund, or crypto, or when you’re…
Are you feeling stuck? Struggling to meet your goals, no matter how hard you try? If so, it might be time to hire a coach. There’s a reason coaching is a lucrative profession. It works. But it takes the right…
While many of us might see credit cards as a necessary evil, they can actually be an incredible way to not only build (and maintain) your credit but reap financial rewards as well if you’re responsible. On top of that,…
Personal finance is a pretty broad term; it encompasses everything from retirement planning, insurance, savings, investments, budgeting, banking, and tax planning. The entire personal finance industry is so broad that professionals make careers out of advising individuals and businesses in…
When many people think about work, they think of it as a necessary evil. They see it as a rat race and something they have to do to make money and survive. But what if we told you that you…
What were you thinking? By now, it is likely you’re aware of the role your unconscious mind plays in determining your financial outcomes. Whether it’s spending decisions or investment choices, the actions we take with our money are only partly…
In celebration of Black History Month, we’re naming podcasts by black creators worthy of your time and attention. You’re bound to find several to subscribe to in the following list of 17 podcasts hosted or cohosted by black women. And…
Here at Paychecks and Balances, our goal is to meet you where you’re at when it comes to your personal journey to financial independence. Depending on your background and how you learn, the resources you leverage for education to obtain…
You review your finances and strive to improve your money management, but how often do you review your time management? Our time and health are precious commodities, yet we’re all guilty of treating them carelessly in modern life. Why do…
Think you can just drink a few beers or glasses of wine and not have to worry about the costs? Think again. The financial reality of drinking is that it can add up quickly, and before you know it, you’re…
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