Is My Employer-Provided Life Insurance Enough?

If the company you work for offers group life insurance, be sure to take advantage of this great benefit.  Employers are not required to offer life insurance, so if yours does be sure to count your blessings.  While having group life insurance is a nice bonus, it would be wise to consider purchasing additional life insurance on yourself. [Read more…]

4 Reasons You Need Life Insurance

4 Reasons You Need Life InsuranceAs a personal finance blogger, I am ashamed to admit this. I’ve been saying this for years but now I plan on getting serious about this. The truth is…

We don’t have any life insurance. 

We used to have a small amount paid for by our previous employers, but that was almost two years ago and it no longer exists so it’s not like it helps us at all.

We will absolutely add life insurance before we start a family, but it wouldn’t hurt us to start searching now.

Life insurance is so very important.

The main reason most get life insurance is because it can help your loved ones and anyone who depends on you. This way they can still pay the bills and grieve without having to worry about money. There are many more reasons to get life insurance though!

Below are four reasons for why you may need life insurance. Even if you don’t think you do, there might be a reason below so I suggest you continue reading! [Read more…]

Money Statistics That May Scare You

Money Statistics That May Scare YouAs a personal finance blogger, I try to do as much research as I can before I publish a blog post so that I can see the full picture.

However, whenever I research different financial topics I usually come across some scary money statistics.

The money stats you read in this post might scare you, but hopefully they can help you so that you can improve your finances and be better than the “average” person.

Even if you are doing better than the average person, that definitely does not mean that you are doing well financially either though.

You should always strive to do your best as sometimes “average” is not good enough for you to live a financially successful life.

Below are some scary money statistics that will hopefully whip you into financial shape. Enjoy! [Read more…]

Personal Capital Review – An Easier Way To Manage Your Finances

Personal Capital Review - Free Personal Finance SoftwareHave you ever heard of Personal Capital? If not, today I am here to talk all about their product that I personally use in this Personal Capital review.

Personal Capital provides FREE personal finance software that is somewhat similar to Mint.com, but better. If you like using Mint, I recommend checking out Personal Capital.

Quick summary of what Personal Capital is – their free personal finance software allows anyone to better manage their finances by allowing users to aggregate their financial accounts. You can connect accounts such as your mortgage, bank, credit cards, investment portfolio, retirement, and more, and it is all FREE. You can track your cash flow, your spending, how much you’re saving, and how your investments are doing. With their free financial software, you can see all of your accounts easily in one place so that you can manage everything easily.

And I’ll say it again. It’s free and there’s no catch!

As you know, I’m all about making your finances as simple as possible so that you can focus on more important areas. Personal Capital allows you to manage all areas of your financial situation all in one place.

You can use Personal Capital via your computer, a tablet, cell phone, and even a smart watch, which makes it great because you can stay up to date on your finances no matter where you are. [Read more…]

Beginner’s Guide To Earning Passive Income

What Is Passive Income 5 Passive Income IdeasPassive income has been an interest of mine for the past few years. However, up until recently, I never really did anything about this goal.

Dreaming is nice, but nothing happens unless you actually start making some changes. And, that is just what I plan on doing over the next few years.

Currently, passive income is a big interest of mine because I want to continue to bring in an income while being able to focus on other goals of mine (which may not generate income now or ever). I also want to diversify my income streams so that I am not too reliant on one area.

This way I can focus on what I want to do while not having to worry about how much money I am bringing in.

Below are different passive income-related questions you may be wondering. We will discuss what passive income is, the positives of earning passive income, passive income ideas, and the hard work that goes along with it.

[Read more…]

How To Change Your Life And Live Your Dream Today

How To Change Your Life And Live Your Dream TodayWhether we are talking about changing your financial situation or changing your lifestyle, there are many ways to start making changes in your life so that you can start living the life you want to live.

Learning how to change your life doesn’t have to be hard.

You can start off small and gradually move onto bigger changes. Or you can make one big change and start living your dream life even sooner.

Everyone has some sort of change they want to make in their life.

Maybe you want to travel more, learn another language, start your own business, get out of debt, be in shape, retire, or something else. Whatever the words “dream life” mean to you, there are ways for you to eventually get there.

Below are my tips on how to change your life today. [Read more…]