Personal Finance – MindShift.money

Start The New Year Right With This Financial Freedom Checklist

The new year—it’s the perfect time to double-down on your commitment to Financial Freedom. And it's the perfect opportunity to clean up after some of last year's missteps. Today, we’ve got a list of must-do activities—and some extra credit tasks—to help you start the new year right.

We Call Bullshit On Debt Settlement Scams

When you’re stuck in debt, falling for the quick-fix promise of a shady debt settlement company is a risk. We call bullshit on debt settlement scams and showing you how to beat debt without becoming a victim.

This Is Why You Make Dumb Money Choices (And How To Stop)

You know you’ve done it — thrown more money at an unfixable problem because you can’t walk away. You’ve fallen for the sunk cost fallacy. And we’re helping you spot those financial traps and make better money decisions.

4 Hard Financial Lessons Learned From The Federal Government Shutdown

The recent U.S. government shutdown was the longest in history, and it launched a nationwide financial crisis. Here’s what we learned — the hard way — about our relationship with money.

Why You Should Negotiate Your Credit Card Interest Rates (And How To Do It)

It’s a fact: Most people are in debt. And your credit card interest rates can keep you trapped in that costly debt for years. But negotiating your way to a lower rate is surprisingly simple.

What To Do When You’re Hit With A Financial Crisis

Unemployment, a medical emergency, a car accident, a death — we’re sharing our action plan for maximizing your money to survive a financial crisis.

4 Essential Financial Resolutions For 2019 (And How To Reach Them)

Struggling to keep your 2019 new year’s resolutions? Create incredible change in your finances with just four simple financial resolutions. Here’s how.

If Financial Freedom Isn’t Your New Year’s Resolution, It Should Be

Avoid a cookie-cutter resolution this year in favor of focusing on your Financial Freedom. Where will you be a year from now?

The Art Of Regifting: The New Rules Of Secondhand Presents

Chances are you’ll get a present this holiday season that you absolutely hate — but can’t return. Before you regift it to someone else, heed this advice.

What To Do When You’re The Victim Of Identity Theft

Identity theft is an all-too-common crime. And the effects can seriously compromise your journey to Financial Freedom. Here’s what you need to know to contain, eliminate and prevent damage from fraud.

A Step-By-Step Guide To Calculating REAL Purchase Price

Before you make your next purchase, stop! That item isn’t just costing you money; it’s sucking up hours of your work life to pay for it. And we’re sharing the secret to uncovering that hidden cost.

4 Steps To Bouncing Back After Bankruptcy

Bankruptcy feels like the end of your financial dreams. But Financial Freedom is achievable. Here’s our four-step action plan for your path to financial success.

4 Smart Ways to Graduate College Without Oppressive Student Loan Debt

Don’t think you can have Financial Freedom, a great college education for your kids and zero student loan debt? You CAN. These are the secrets to a debt-free college education.

We Call Bullshit on Black Friday Shopping

Last night and today shoppers are rushing out the door to join the Black Friday rush. But is this mad search for “great deals” really worth it? We’re calling bullshit on Black Friday shopping.

Yes, You Can Talk About Money With Family On Thanksgiving

Money conversations at Thanksgiving don’t have to be taboo. MindShift.money guest contributor Chonce Maddox shares how to make the conversation less awkward.

Why Getting Into Credit Card Debt Is So Easy (And So Hard To Get Out Of)

The average person with credit card debt in the US owes $15,779. Why is that? No one wants to be in debt. But the world we live in is focused on "things," and you can’t buy things without money.

Is Selling Clothes Online Worth The Effort?

MindShift.money guest contributor Marissa Torrieri Bloom tries selling some extra clothes online to see if the extra income is worth the time and effort.

Are Your Career Priorities Changing? Consider The Hierarchy Of “Career Needs”

Maslow's Hierarchy of Needs has been around for decades. But how does it apply to career needs? MindShift.money partner and career counselor Anna Black has the answer!

We’re All Afraid To Talk About Money. Why Is That?

The holidays are almost here! Here's how to navigate the conversation minefield of family gatherings and have a healthy talk about money.