Blockchain and Cryptocurrencies explained

This article was written for our Personal Finance 101 library by guest writer Brian Thomas.  Cryptocurrencies operate as decentralized digital assets exchanged over the internet in the form of highly divisible coins. Many cryptocurrencies are backed up by blockchain technology which records their transactions into distributed ledgers. Starting with Bitcoin in 2009 and growing into… Read More


Couples that budget together, stay together

Personal finances are one of the leading causes of stress in relationships. In fact, it is estimated that 70% of married couples argue about their money, or lack thereof[1]. Unfortunately, couples often feel at odds with one another rather than a sense of partnership when it comes to addressing financial problems. “You need to get… Read More


How to Earn Extra Money

Who couldn’t use some extra money, right? Maybe you have some unexpected expenses coming up and your zero-based budget can’t accommodate it. Or perhaps there is someone in your life that could use a few extra bucks and you want to help. Chances are you’re sitting on a gold mine of unwanted things right in… Read More


Life insurance should be a consideration in your overall personal finance plan

If you think of life insurance as a useless postmortem payday, consider these “pro” arguments. On the short list of things we don’t talk about in polite company, death and money rank pretty high. Perhaps that’s why life insurance, which involves both, doesn’t typically make for lively cocktail-party banter. If you’re among the 60 percent… Read More


Exactly what is inflation? It’s a word we hear often and usually in a negative economical context. Simply put, inflation is an increase in the cost of goods and services. While no one likes to pay more for something, a low inflation rate (about 2%) is generally a sign of a healthy economy. While it’s… Read More