11 Family Finance Tips During the Pandemic

In this week’s reader mailbag, we’re talking about families, particularly financial issues involving children and parents. This is a topic near and dear to me as a member of the “sandwich generation,” meaning that I simultaneously have young children at home as well as parents and in-laws who are already retired. Most of the questions…

Which States Have the Most Small Businesses?

According to the U.S. Small Business Association (SBA), 99.9% of all the businesses in America are small businesses. There are 30.7 million of them in total, and they employ nearly 60 million people. That’s 47.3% — roughly half — of America’s combined workforce. Most work for businesses that employ fewer than 100 people. And while…

40 Blogging Statistics You Need to Know in 2020 (to Blog Smarter This Year)

If you’re looking for the most up-to-date blogging statistics in 2020, you’ve come to the right place. As a blogger, business owner, writer or content marketer, it pays dividends to be in the know when it comes to the industry’s latest blogging statistics. Why? Well, having a grasp on the most current blogging statistics can…

3 Ways to Be Frugal Without Being Cheap

Frugality. It’s a word that strikes different people in different ways. For some, it’s a refreshing way to get more value out of your money. For others, it conveys a sense of cheapness or of self-denial. For yet others, it’s just a way of living. If you’re reading this article, you likely have some interest…

Goodbye, Nelnet — Everything You Need to Know About the Federal Student Loan Overhaul

In case you missed it, the U.S. Department of Education is making huge changes to the federal student loan servicing system next year. It’s part of Secretary Betsy DeVos’s Next Gen Federal Student Aid initiative, which aims to improve the borrowing and repayment experience. The system will become a single, centralized platform as early as…

Why Do You Need a Down Payment, Anyway?

One of the most intimidating aspects of buying your own home – particularly your first home – is the down payment. In most cases, lenders look for a cash down payment of 20% of the home’s value, which can add up to a lot of money. Let’s look at some real numbers to see how…

How to Start a Successful, Minority Woman-Owned Small Business

Starting a small business is no walk in the park — no matter your age, race or gender. Every business owner will face challenges when first starting out, such as raising capital, registering a company and developing a business plan. Not to mention, after getting a business off the ground, maintaining it is another feat…

Want to Turn Your Finances Around? Remember These 8 Mantras.

I like to think of my financial life as a merry-go-round. My children used to love to ride on merry-go-rounds at the playground and I would push them on it for what seemed like hours. The process is simple and familiar. The kids would get on the merry-go-round and I’d stand on the outside of…