Top 13 Financial New Year’s Resolutions

The 13 Financial New Year's Resolutions - Carreira Finance - Financial Coach

The two most common resolutions for the New Year are going to the gym and starting a diet. Can you guess how many people are including financial New Year’s resolutions in their list?

In the U.S., out of all Americans that plan to have a resolutions list, only 27% of them plan to improve their finances.

When 78% of Americans live paycheck to paycheck, it is scary to see so many people that don’t plan to do anything about their finances this year.

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Financial Recovery After Christmas

Christmas Financial Recovery - What You Can Do Now - Carreira Finance - Financial Coach

Christmas shopping can get out of control very quickly and easily. That is why you need a financial recovery plan to fix the potential financial mistakes you have done.

Sometimes things don’t go as planned, or you don’t have the luxury of time. So you end up making decisions on the fly that will have a direct impact on your finances.

If this is a good summary of your Christmas this year, you are going to be alright. But, now it is time to come up with your financial recovery plan.

Per World Economic Forum, Americans are spending more than $1 trillion on Christmas.

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Financial Assessment Questionnaire

Assess Your Financial Situation Questionnaire - Carreira Finance Coaching

Answer this financial assessment questionnaire truthfully for your score to reflect your current financial situation. Don’t lie to yourself! Only you can see the results of your answers. There are a total of 28 questions with 9 categories: Debt Budgeting Savings Credit score Retirement Investing Tax Other Just think about it Financial Assessment Questionnaire -8 … Read more Financial Assessment Questionnaire

7 Best Ways To Get Cash For Visa Gift Card

How To Get Cash For Visa Gift Card To Invest - Carreira Finance Coaching

You might have received a Visa gift card from a friend or family member, and now you’re wondering what to do with it.

When we receive gift cards, we don’t necessarily want to use it. A lot of times we need cash for whatever reason.

In this article, you will learn how to get cash for a visa gift card. Some of these ways takes some time, but others can sell visa gift cards online instantly.

Read more7 Best Ways To Get Cash For Visa Gift Card

Black Friday vs Cyber Monday – Top 6 Differences

The Top 5 Differences Between Black Friday vs Cyber Monday - Carreira Finance

If you are looking for massive sales and great deals, don’t look any further. Black Friday vs Cyber Monday are two of the best shopping days of the year.

Before digging into the differences, let’s make sure to know when the dates are. Black Friday is always a day after Thanksgiving, and Cyber Monday is always four days after Thanksgiving.

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21 Tips For How To Save Money As Young Adults

Best Tips For How To Save Money - Carreira Finance

Deep down, we all know that saving money is crucial for our financial well-being. But how and where to start? These tips for how to save money will not only work, but they will have a minimal impact on your current lifestyle.

It is no secret that the majority of Americans are living paycheck to paycheck. However, more and more young adults are looking for ways to save money fast and effectively.

Nobody wants to get into a situation where things get tough, and paying for their monthly expenses becomes challenging.

Read more21 Tips For How To Save Money As Young Adults

Financial Coach Near Me – Your Journey Starts Here

Financial Coach Near Me - Your Journey Starts Here - Carreira FI

Where to start if I need help with my finances? What is a financial coach? How to find a financial coach near me? If you want answers, don’t look any further. I’m a California-based financial coach that works with clients all around the United States. My goal is to help you start your financial journey … Read more Financial Coach Near Me – Your Journey Starts Here

9 Great Ways To Save On Christmas This Year

The 9 Best Ways To Save On Christmas This Year - Carreira Finance

Christmas is all about family and sharing a great moment together. But it also a lot of expenses. However, there are many ways to save on Christmas.

The good news is that you don’t need to spend too much in order to have a great time. And the last thing we want you to do is to take on credit card debt for Christmas.

That is why, we decided to write this article to share with you our 9 great ways to save on Christmas this year!

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7 Smart Ways To Build A Passive Income Stream

Art - 7 Smart Ways To Build A Passive Income Stream - Carreira Finance Coaching

Guest Post by Linda Richardson – 7 smart ways to build a passive income stream

Linda Richardson is a financial content writer based in New Jersey and a perennial student with an ongoing interest in learning new things. She uses her curiosity, connected with knowledge as a financial writer, to write about valuable lessons for small businesses. You can find her on Twitter and Facebook. She is currently a financial writer for Credit Card Consolidation Debt.

Read more7 Smart Ways To Build A Passive Income Stream

How To Calculate Savings Rate – Scenario Analysis

How To Calculate Savings Rate - Carreira Finance Coaching

Knowing how to calculate your savings rate is one of the first steps in your journey to financial freedom. More and more millennials want to achieve financial freedom because they don’t see themselves working their entire life until retiring.

The formula to calculate your savings rate is straight forward. Savings / Income = Savings Rate Percentage. In other words, it is equal to your savings divided by your income.

However, defining savings and income is more complicated than what most people anticipate. There are a few nuances that can lead you to create a false savings rate calculator.

Read moreHow To Calculate Savings Rate – Scenario Analysis

How To Prepare For The Next Recession

How To Prepare For The Next Recession- Carreira Finance Coaching

Things we can’t predict are hard to visualize. Yet, financial recessions are inevitable. So how to prepare for the next recession and why should we think about it now?

A recession can cause permanent financial damage for people who are living paycheck to paycheck. Millions of Americans have suffered and are still recovering from the Great Recession.

Read moreHow To Prepare For The Next Recession

The Simple Emergency Fund Savings Guide

Your Quick Emergency Fund Guide Financial Coaching Carreira Finance

What Is An Emergency Fund?

An emergency fund is money that you put aside to cover unexpected expenses. It is one of the best financial safety nets someone can have. However, you need to be careful where you keep your emergency fund savings.

You don’t want to act irrationally when those events arise. And you’ll need to access your emergency cash reserve as soon as an unexpected expense comes your way. That is why you need to have a plan.

Read moreThe Simple Emergency Fund Savings Guide