Bankruptcy has a stigma attached to it that you won’t find anywhere else or in any other form of financial hardship. Nobody wants the embarrassment of going bankrupt and having to declare it. Thankfully, there are many ways in which you can avoid this from happening. For example, if you are in the general area of Scottsdale bankruptcy help and other financial advice is easy enough to come by, as there are many companies and professionals offering services that help you with this. In addition to this, check out these tips that you can follow to help yourself avoid filing for bankruptcy.
It's that time of the year again. Everyone is in the holiday spirit, parties are in full swing, dinners are being planned and the wish lists have gotten quite long! This is the exact time of the year when it seems that everyone starts to ignore their spending and let the holiday cheer take over. Don't let the season of giving ruin your financial progress. The end of the year is the perfect time to review the financial strides you've made and plan for the 2016. By analyzing your spending and following these key steps, you will place yourself in a better financial position for the New Year. Here is my Year End Financial Checklist that will help make your season brighter!
I know as well as anyone how impactful the success of a small business can have on your personal finances. Now when I say business, I don’t mean a huge conglomerate that turns over billions each year. I must admit that would be nice, but it is not realistic. What I am talking about are the little independent businesses that one may run from home or local coffee shop, that supplements a primary income source.
It is important to not only understand the hidden costs of running a small business, but to also make sure that you are budgeting for these unexpected expenses. Regardless of your circumstances, these expenditures will affect your business at some stage, so be sure to be prepared.
June is my birthday month, and I try to celebrate it all month long. Birthdays always make me reflect on the past year, but they also encourage me to think about the year ahead. Like many people, I try to set goals for myself professionally, make resolutions for personal growth, and pin locations on the map that I want to travel to. During the month, I also try to look at my financial status. Because my birthday falls mid-year, it is the optimal time to access my progress thus far. I feel that when you get past your 20’s, each year brings you closer to those milestones in life, like buying that dream home, making career strides and ultimately – retirement. Your 30’s are a time when you can make some serious financial progress to set yourself up for a prosperous future. Here are my financial steps to take in your 30's.
All too often, we end up putting one foot in front of the other, trudging to our places of work each day, and suddenly it’s time for the ol’ annual review again. Where did the time go? If you’re like many people, you haven’t thought too much about your goals and development since your last review period, especially if you’re full speed ahead day in and day out at your job, and many companies do not have programs in place to foster this awareness of your career and development.
So why is knowing your worth at work critical to your career?
One of the most important components of our overall financial wellness is living by a budget that’s in line with our values and goals. Budgets, or as I like to call them, ‘happiness allocations,’ are a very basic concept but when used correctly, can set us up to live a very happy life! Why?
I was very fortunate to have the opportunity to start investing in stocks as a teenager. That early start is what led me to pursue a degree in finance. When I began modeling at the age of 15, I quickly started thinking about the future, and I knew that my interest bearing savings account was not going to be the answer to my financial freedom. I often wondered,"How do I start Investing?"
I overheard a conversation between my mom and her friend about investing in stocks and hearing them discuss double-digit returns had me very intrigued. That conversation cracked the door to the whole new world and connected me to a financial advisor that opened my first investment account. If you are looking to start investing, but are unsure of the path to take, my advice below may be the guide you are looking for. 
