The “5 Ps” say “Proper Planning Prevents Poor Performance.” That’s true, but when it comes to finance, I say, “Calculated Proper Planning Prevents Overspending,” or C-3PO. If you live by that phrase, your finances will be golden (ok, I’m done).
You’ve seen the posts and memes: “My child is the most important thing in the universe to me.” “There’s nothing more important than my children.” “My children are my life.” Those are all phrases spouted with the best intentions, the utmost love, and typically a naive sense of how a healthy home functions.
It’s hard to look at retirement statistics and numbers across generations, because of proportionality. Baby Boomers (born 1946-1964) have saved the most, followed by Generation X (1965-1978), and then Millennials (1979-2000). And of course that makes sense because the older you are, the more time you’ve had to save.
Scholarships can pay for your entire education. When you’re a teen, if you take the time to submit two scholarships a day, starting in early high school, that in itself will be a full-time job. A job that will prove to be well worth it. But how do you find scholarship opportunities?
When you think of decluttering, it may seem overwhelming. You have all this stuff. You’re not exactly sure how you’ve accumulated such an absurd amount of things, but you have. All you know now is that you need less stuff.