personal finance

How To Take Care Of Your Finances This Holiday Season

As we kick off the holiday season, it's easy to get wrapped up in spending more, or even going into debt, without really noticing. For our hygge month, we’re sharing some ideas for financial self-care that you can do right now. These ideas will help you feel in control of your money while also helping you to make positive long-term changes.

How To Identify An MLM (And How to Avoid Joining One)

It’s 3 p.m. on a Wednesday and you’re wildly bored at work. You log into Facebook, maybe to take a peek at what’s happening in the She Spends group. A chat pops up. It’s a woman you tangentially knew in high school that you haven’t cared to ax from your friends list. The calming playlist you curated for work breaks like these suddenly gives way to horror movie music. You open the message.

“Hey girl!! So… long time no talk, but I wanted to reach out because I know you have a passion for working out like me! I just became a Beachbody consultant and I wanted to share their AMAZING product with you!”

The three little dots continue to blink. She’s still typing. You know the pitch for Shakeology is coming, but you don’t know how to escape. You dash off a message: “Hey girl! Sorry, I’m not interested in diets. But thanks!” You close the browser, pull out your earbuds and take a deep breath. There’s sage in your desk drawer. Is it insane to light it at work?

How to Consolidate or Refinance Your Student Loans

Ever wonder if you could find an easier way to pay off your student loans? There are actually a few ways you can simplify the process, including refinancing and consolidation. We spoke with Bustle this week about refinancing. We’re also going to break down the two processes for you and help you decide whether it’s right for you. 

She Spends' Guide to Getting That Raise: Part 1, Research

One of the biggest requests we've gotten from our readers is a guide to asking for a raise. We hear you! And we've got your back. Over the next three weeks, we'll be providing you with helpful tools for getting more money at work. We'd love for you to share how you do it on social media - tag us on Instagram and Twitter, or use the hashtag #howshesaves. We'll highlight some of our successful readers in the coming weeks. 

How To Majorly Save on Monthly Expenses and Bills

Last week we discussed saving money by slowing down on shopping (and identifying the emotional triggers behind buying). This week’s advice will likely be a bit more practical. We’re discussing ways you can save on your monthly bills. This encompasses anything from your internet bill to a Hulu subscription to a gym membership. There are ways to save on each. 

What To Do When You Can't Stop Shopping

So over the next few weeks, we're going to discuss ways to increase savings and cut back on spending - a step that can be taken before increasing earning power. It's deceptively hard to find ways to slow down on shopping. Sure, we know that organic groceries or a Hulu subscription or new shoes are luxuries. But we don't just spend money on these things without reason. While saving on bills is something we can do with a few easy steps, cutting back on shopping proves much more difficult for people, myself included.

Beyond the Index Card

There's an idea floating around out there that everything you need to know about personal finance can fit on an index card. It's a super smart concept, because personal finance isn't actually that difficult. There are ten steps that revolve around saving money, paying off debt, using your 401K, buying insurance and all the other financially responsible jazz you're supposed to do. If you haven't read Helaine Olen's book (linked above) on the index card, I recommend you do. It's a helpful look at how to handle money and it makes personal finance seem way more manageable.