Here you'll learn about zero-based budgeting to track your spending and save more money, and how it can be used in today’s digital world.

Discover how credit cards can impact your budget in the age of digital transactions and the "cashless effect." Gain insights into the psychological and financial challenges of credit card usage, and learn practical strategies for responsible credit card usage, such as setting spending limits, paying off balances in full, and monitoring statements.

Learn how to create a budget and take control of your finances with this comprehensive guide. Understand the importance of budgeting and discover the 50-30-20 budgeting rule to allocate your income effectively. Follow simple steps to set budget goals, determine your net income, list and categorize expenses, allocate your income, track expenses, and make adjustments as needed. Achieve financial stability and reach your goals with a well-planned budget. Schedule a free consultation with Journey Financial Wellness for expert assistance.

Learn how to set effective financial goals using the SMART framework. Discover the specific steps to create goals that are Specific, Measurable, Achievable, Relevant, and Time-bound. By implementing SMART goals, you can clarify your objectives, track progress, and stay motivated on your financial journey.

Discover how to run your personal finances like a successful business owner. Take a strategic and analytical approach to managing your money, set financial goals, create a plan, stay disciplined, and make informed decisions. Improve your financial wellbeing by adopting a business-like mindset in managing your finances.

Discover 10 considerate and safe buying tips for purchasing gift cards. Learn how to avoid scams, choose practical options, research major retailers, read the fine print, and take advantage of special offers. Be a savvy gift card buyer and ensure your gift recipients are happy with their gifts.

Discover how to rewrite your money story and transform your financial future. Explore the concept of a money story, reflect on your past and present attitudes towards money, and envision a new financial mindset. Learn practical steps to change limiting beliefs, set empowering goals, and take control of your financial situation. Find guidance and support from a financial coach to ensure your success in rewriting your money story.

Discover why having a will and other essential estate planning documents is crucial for ensuring your wishes are followed and your loved ones are taken care of. Explore the list of critical documents and important information that should be assembled and organized for your estate. Learn about the significance of legal assistance in crafting and executing these documents and the necessity of keeping them in a secure location. Gain insights into common excuses for not having a will and the consequences of dying without one. Start prioritizing your estate planning to provide peace of mind for yourself and your family.

Discover six actionable strategies that Gen Xers can implement immediately to improve their financial situation. From building an emergency fund and updating their household budget to checking their credit report and exploring mortgage refinancing options, these steps will help Gen Xers take control of their finances and secure a stable future. Don't forget the importance of updating your Will to ensure your assets and loved ones are protected. Learn how to make meaningful financial changes and plan for the unexpected.

Discover smart strategies to prevent losing your Healthcare Spending FSA (Flexible Spending Account) funds. Learn about eligible expenses, including common household personal care and health items, and find out where to conveniently shop for FSA-eligible products. Stay organized by setting calendar reminders and take proactive steps to utilize every penny of your pre-tax FSA funds. Don't let your money go to waste - make the most of your FSA savings today!

Discover the distinction between income and wealth and why being "rich" or "wealthy" is not solely determined by a high income. Learn how to change your money story and build wealth through smart financial choices.

Learn how to effectively deal with debt collectors and put an end to their persistent calls. Understand your consumer rights, the dos and don'ts of debt collection, and discover practical steps to stop debt collectors from contacting you. Find sample letter templates and expert resources to help you navigate this process.