This is where your path to financial freedom begins...

Are you tired of the traditional path to a high-paying career? Florida's diverse economy offers numerous lucrative opportunities that don't require a college degree. From the bustling tourism industry in Orlando and Miami to the booming healthcare sector in Tampa and Jacksonville, the Sunshine State provides various routes to financial success without the burden of student loans. * Why Consider Degree-Free Careers in Florida? Florida's job market thrives, with employers valuing skills and experience over formal education. According to Florida Commerce data, several industries are experiencing workforce shortages, creating perfect opportunities for motivated individuals to enter high-paying careers through alternative paths. Top 10 Highest Paying Jobs in Florida Without a Degree Air Traffic Controller Sales Representative Elevator Repairer Gambling Manager Firefighter Supervisor Power Plant Operator Electrical Power-Line Installer Mechatronics Technologist MRI Technologist Diagnostic Medical Sonographer Air Traffic Controller | $137,000/year Air traffic controllers coordinate aircraft movements to ensure safe and efficient operations. They monitor radar screens, communicate with pilots, and manage airport traffic flow. This demanding role requires: Excellent decision-making skills Strong attention to detail Ability to work under pressure Only three years of work experience as a federal employee to complete the required training Sales Representative (Technical)  | $100,000/year Technical sales representatives build customer relationships to sell specialized goods or services within their geographic market. With technology constantly evolving, these professionals: Network with engineers, business owners, and contractors Determine technical solutions for specific client needs Often earn a combination of salary and commission-based incentives Elevator Repairer | $100,000/year Elevator repairers install, maintain, and repair elevators and escalators to keep these essential systems running safely. To become an elevator repairer: You need a high school diploma or GED Complete an apprenticeship program Develop mechanical and electrical troubleshooting skills See my feature in Be Careful in Choosing One Popular Life Path That Could Leave You Poor Gambling Manager | $90,000/year Whether as a casino manager, slot supervisor, or casino dealer, gambling managers oversee large sums of money and interact with a diverse clientele. Key responsibilities include: Ensuring betting compliance Reporting suspicious behavior Supervising equipment Following rules for various games (Blackjack, Poker, etc.) Firefighter Supervisor  | $90,000/year Firefighter supervisors lead teams in emergency response, assigning personnel to various locations and guiding rescue operations. This role requires: Leadership abilities Dependability and adaptability High-stress tolerance Ability to make quick decisions under pressure Power Plant Operator  | $80,000/year These professionals oversee power generation equipment, monitor machinery, address challenges, and perform maintenance to keep facilities running smoothly. Requirements include: High school diploma 3-5 years of relevant experience Technical aptitude and problem-solving skills Electrical Power-Line Installer  | $80,000/year Working as part of a team, electrical power-line installers construct, maintain, and repair high-voltage power lines. This physically demanding job requires: Technical skills Problem-solving abilities Strong safety focus Completion of an apprenticeship program or certification Mechatronics Technologist  | $80,000/year Mechatronics technologists work at the intersection of mechanical and electrical engineering, installing and maintaining electro-mechanical components. They impact industries from manufacturing to healthcare by: Reading mechanical and electrical diagrams Understanding pneumatics and assembly procedures Completing certificate programs to gain essential skills See my feature in Is It More Important To Do What You Love or Work For the Money? Experts Weigh In MRI Technologist | $78,000/year MRI technologists operate advanced imaging equipment and capture detailed images of the human body. This healthcare role involves: Patient interaction and comfort assurance Processing and analyzing medical images Requiring MRI certification and 1-2 years of prior experience Diagnostic Medical Sonographer | $78,000/year Sonographers use specialized ultrasound equipment to create detailed images of patient organs and tissues. This career requires: Completion of an accredited radiologic program Four years of relevant experience Technical precision and patient care skills Factors Affecting High Wages in Florida Several factors determine compensation levels for these high-paying careers: Industry demand : Manufacturing, construction, and technology sectors typically offer higher wages Geographic location : Miami, Tampa, and Orlando generally pay more than rural areas Specialized skills : Certifications and technical expertise command premium compensation Work schedule : Jobs involving overtime, night shifts, or weekend work often include additional pay Cost of living : Varies significantly across Florida's regions, impacting local wage levels Start Your Degree-Free Career Journey Today Florida's job market offers numerous paths to financial success without a traditional college education. You can access lucrative careers with growth potential and stability by focusing on skill development, certifications, and gaining experience. If you're considering a career change and need assistance with your resume or job search strategy, reach out today to schedule a free consultation. Let us help you navigate the exciting opportunities in Florida's diverse job market. Information gathered from Florida Jobs and Florida Commerce, Bureau of Workforce Statistics and Economic Research. Updated January 2025.

Are you struggling to keep your spending under control? You're not alone. Unlocking the secrets to effective spending can be a challenging task. That's why I reached out to ten visionary entrepreneurs, CEOs, and experts to share their proven strategies with you. From the innovative "Treasure Hunt Tactic" to the transformative "Circular Budget" approach, these leaders have successfully managed their finances through diverse and unique approaches. Let their insights inspire you on your journey to financial management success. Proven Methods to Control Your Spending Implement the "Treasure Hunt Tactic " Before clicking "buy now," try the "Treasure Hunt Tactic" recommended by financial experts. This simple but effective approach involves searching your home for items that could serve the same purpose as what you're planning to purchase. "I once tried a method I called the 'Treasure Hunt Tactic.' Before deciding to purchase an item, I would turn my home into a sort of archaeological site, digging deep into closets, drawers, and storage boxes to find something I already owned that could serve the same purpose as the new item I was considering buying," explains Abid Salahi, Co-Founder, FinlyWealth This method delivers dual benefits: preventing unnecessary purchases while helping you rediscover and utilize forgotten possessions. It's a win-win for your wallet and home organization. Unsubscribe from Sales Emails Those tempting promotional emails flooding your inbox are strategically designed to trigger impulse purchases. Taking control of this digital temptation can significantly reduce unplanned spending. Tom Blake , Founder, This Online World , shares: "One of the most effective methods I've used to control my spending is to unsubscribe from all marketing- and sales-related emails. For years, my inbox was full of brand deals, coupons, online sale promotions, and similar emails that encouraged me to spend. Take an afternoon and hit "unsubscribe" on as many retail-related emails as possible. Out of sight is truly out of mind for your inbox, and this is a very effective way to reduce temptation and online spending. Try the "Cash Envelope System" For those who struggle with digital spending tracking, the tangible nature of cash can provide better spending awareness and control. Lee Hemming, Sales Director at ABC Finance Limited , recommends: "Allocate a specific amount of cash to different spending categories, such as groceries, dining out, entertainment, and transportation. Place these funds in separate envelopes labeled with the respective category. Once the cash in an envelope is gone for the month, you cannot spend any more in that category until the next month. This tangible approach makes you aware of your spending limits and encourages thoughtful consideration before making purchases. Use the "Investment Value Check" Before making significant purchases, consider the opportunity cost of spending versus investing that money. Domenico Trimboli , Freelancer and Business Owner , explains his approach: ""Before making any significant purchase, I take a moment to calculate how much that money could potentially grow if invested over ten years. Using average market returns as a benchmark, I project the potential growth of that sum." This mental shift from immediate gratification to long-term value helps prioritize purchases that truly matter while building wealth for the future." Don't Checkout Without a Need Online shopping carts can quickly fill with items you want but don't necessarily need. Implementing a simple rule can help distinguish between true necessities and impulse buys. Beverly Gearreald, Owner of Live Fearless Mentoring , shares her strategy: "I have a rule that helps me avoid making impulse purchases: I don't check out unless I have something I need in my cart." She explains how this helped when replacing an essential item: "Recently, my tea kettle broke. As someone who drinks tea from sunrise to sunset, I needed a new kettle. I headed to Amazon and selected one, but then it was time to review what was in my cart. Those adorable planters? Deleted." This approach ensures you only complete purchases when genuine needs arise, significantly reducing impulsive spending. Prioritize Physical Cash for Expenses When financial discipline becomes crucial, returning to cash can provide the visual accountability needed to stick to a budget. Kristine Thorndyke, Founder of Test Prep Nerds describes her experience: "When I quit my full-time job and jumped fully into my first business, I quickly discovered that funds were much tighter than they were with my cushy 9-to-5. I spent the first six months on an extreme budget to combat this. My partner and I managed our monthly budget in cash and used that for all expenses." The tangible nature of watching your cash diminish throughout the month creates powerful psychological incentives to spend more mindfully. Set a Weekly Cash Limit Breaking your budget into weekly allowances can make spending control more manageable and prevent early-month splurges. Jay Toy, General Manager at 88stacks , recommends: "I withdraw a fixed amount of cash at the beginning of each week, and that becomes my budget for all non-essential expenses like dining out, entertainment, and shopping. Once the cash is gone for the week, I can't spend any more until the next week." This method creates natural spending boundaries and helps you develop consistent financial habits. Treat Credit Cards Like Cash Credit cards offer convenience and rewards, but without discipline, they can lead to accumulated debt. Adopting a cash-equivalent mindset changes how you use them. Christopher Olson, General Partner at Southern Bay Realty , shares his approach: "I treat my credit cards the same as cash. As soon as I swipe my card, I make a payment to it for that amount. It's super easy with my phone app and keeps me from ever carrying a balance." This strategy allows you to enjoy credit card benefits like fraud protection and rewards while maintaining the financial discipline of cash spending. Visualize Expenditures in Work Hours Converting price tags into work hours can dramatically change how you perceive value and spending priorities. Alex Stasiak, CEO and Founder of Startup House , explains: "For every purchase you're considering, equate it to the number of hours you'd have to work to afford it. For example, if you're eyeing a new pair of shoes that costs $100 and you make $20 an hour, ask yourself, 'Are these shoes worth five hours of my work?'" This mental reframing helps evaluate purchases based on your life's most precious resource—time. Uninstall Shopping Apps and Limit Social Media Digital environments are increasingly designed to trigger spending. Reducing exposure to these triggers can significantly decrease impulse purchases. Phoebe Mendez, Owner of Pinay Mama , shares her experience: "One unique method I employed to control my spending was uninstalling all my shopping apps from my smartphone. This decision aimed to reduce the temptation of impulse buying, especially during moments of boredom or stress when online shopping can be all too convenient." She also found that "minimizing my time spent on social media platforms, as they often contain advertisements and promotions that encourage unnecessary spending" helped redirect her focus to more fulfilling and cost-effective activities. Phoebe Mendez, Ow ner, Pinay Mama Conclusion: Your Path to Financial Control Implementing even one or two of these expert-recommended methods can dramatically improve your spending habits and financial well-being. The key is finding approaches that work with your lifestyle and personality, then consistently applying them. Financial control isn't about deprivation—it's about intentionality. By making conscious decisions about where your money goes, you gain the freedom to spend on what truly matters while building toward your financial goals. Your Turn What spending control methods have worked for you? Have you tried any of the strategies mentioned above? Share your experiences and additional tips in the comments below to help others on their financial journey! Looking for more financial management strategies? Download our free " 30-Day Spending Reset Challenge " worksheet to kickstart your journey toward financial freedom.

After serving eight years in the military, receiving a 50% VA disability rating provided crucial financial support during my transition to civilian life. However, my service-connected conditions continued to worsen over time. What followed was a 13-year journey to reach 100% disability—a path made possible with professional assistance from REE Medical. My VA Disability Journey: From 50% to 100% P&T Compensation and Pension Exam Requesting a Disability Rating Increase How REE Medical Assisted with a Disability Compensation Increase VA Temporary Disability Rating Increase How a Temporary Disability Rating Changed to Permanent Benefits of a Permanent VA Disability Rating The Compensation and Pension Exam Trap My first encounter with the VA's disability review process caught me completely unprepared. I received an appointment for my TMJ dental disability evaluation but did not understand what a Compensation and Pension (C&P) exam entailed. During the appointment, my jaw dislocated (a common TMJ symptom), and the doctor quickly took measurements before ending the exam. Months later, I was shocked to discover my disability rating had been reduced from 50% to 30%—resulting in a $300 monthly income reduction. What the VA doesn't tell veterans:  Many disabilities are automatically re-evaluated after three years based on the assumption they improve after military service. Despite continuing to struggle with eating, yawning, and sleeping due to TMJ pain, I had to begin the arduous process of proving my disability still existed. After securing medical evidence from my dentist over numerous appointments, the VA finally reversed their decision, restoring my 50% rating with back pay. See my feature in AARP 7 VA Benefits Often Overlooked by Veterans The Frustrating Process of Requesting a Rating Increase For years, I diligently: Attended countless medical appointments Underwent procedures to reduce nerve pain Participated in physical therapy Took prescribed pain medications Despite these efforts and properly documenting everything, including having my physician complete Disability Benefits Questionnaires (DBQs), the VA repeatedly denied my requests for an increased rating. Each denial meant more missed work, more lost income, and growing frustration. How REE Medical Transformed My VA Disability Claim After a decade of unsuccessful attempts, fellow veterans suggested I seek professional assistance. My online research led me to REE Medical , which had positive BBB ratings and success stories in veteran forums. The REE Medical Process Free Consultation:  During my initial call, a representative evaluated my situation and reviewed my disabilities, ratings, and medical documentation frequency. They assessed my potential for an increase before accepting me as a client. Strategic Claim Filing:   REE Medical  advised me to immediately submit a claim to establish an effective date for potential back pay. They helped me focus only on disabilities eligible for increases. Documentation Support:  They provided structured guidance for completing DBQs thoroughly and honestly, ensuring all my medical evidence aligned properly with VA requirements. Medical Evidence Preparation:   REE Medical  reviewed all my documentation and helped prepare my case for submission after additional medical visits. The Life-Changing Result: 100% Temporary Rating After months of waiting, I received the notification that my rating had increased to 100%. Most of my claims were approved, exceeding what was necessary for the maximum rating. However, the VA initially classified this as a temporary rating pending reevaluation in two years. Following advice from my Wounded Warriors Project case manager, I continued regular medical visits to document my ongoing conditions. See my feature in Military Families Magazine Veterans Build Debt-Free Life After the Military From Temporary to Permanent and Total (P&T) Disability When my reevaluation period passed, I nervously awaited the VA's decision. To my relief, they reviewed my consistent medical documentation and awarded me 100% Permanent and Total disability status. The Benefits of 100% P&T VA Disability Rating in Florida Receiving a permanent and total disability rating has provided numerous benefits: Education Benefits:  Free bachelor's degree for my children at Florida state universities Vehicle Benefits:  Disabled veteran tag for my primary vehicle Property Tax Exemption:  Complete elimination of property taxes (previously only a $5,000 exemption) Recreational Benefits:  Free access to state parks and a free fishing license Parking Benefits:  Free parking at airports and metered downtown locations There are many other benefits in Florida, but these are the ones I use most often. A comprehensive list of benefits for veterans available in your state can be found here . Related: VA Disability and Military Retirement COLA Increases for 2023. What You Need to Know? Could I Have Achieved 100% P&T Without REE Medical? While technically possible, my personal experience speaks volumes. After 12+ years of trying independently, REE Medical  helped me complete the process in just six months. This efficiency meant: No more missed compensation Reduced time away from work Peace of mind after years of struggle While I worked with both REE Medical  and the Wounded Warrior Project, every veteran's journey is unique. Research your options to determine if you can navigate the process alone or would benefit from professional assistance. VA Disability Resources for Veterans Want to learn how to save and budget your VA disability benefits? Contact me for a one-on-one consultation  about protecting your wealth and income. Official VA Resources File a VA Disability Claim Veteran Vocational Rehabilitation State Benefits for Veterans Veteran Service Organizations Disabled American Veterans Wounded Warrior Project Have questions about working with REE Medical  for your VA disability claim? Drop a comment below or contact me directly for personalized guidance.

Are you searching for a career that combines financial stability with work-life balance? As a financial coach, I often hear from people who find money management stressful. However, the right finance career not only helps you manage others' finances but can transform your own financial journey as well. To identify truly low-stress, high-paying opportunities in finance, I consulted with industry professionals who shared their insights on positions that offer reduced client interaction, predictable schedules, and impressive compensation. As an Amazon Associate , this post may contain affiliate links. Top 8 Low-Stress Finance Careers Financial Consultant Financial Analyst Accounting Portfolio Manager Personal Financial Advisor Internal Auditor Financial Planning & Analysis Manager Insurance Advisor (Risk Manager)   Financial Consultant Financial consultants help businesses and individuals navigate complex financial challenges. What makes this role particularly appealing is the objective position you hold—you're analyzing situations rather than being directly responsible for financial outcomes. "Working as a financial consultant (ChFC) allows you to use your theoretical knowledge in practice by helping companies and people avoid economic issues. Most of your clients have complex financial situations, so thanks to your expertise, you can earn well. At the same time, it's a low-stress job because you play the role of an objective indicator rather than a part of the potential problem, so all you have to worry about is analyzing the client's situation well." - Natalia Brzezinska , Marketing & Outreach Manager, US Visa Photo *Average Salary Range: $48,000 - $93,000 Financial Analyst Financial analysts research and evaluate financial data to guide investment decisions. This role typically involves minimal direct client interaction while offering substantial earning potential. "Financial analysts are responsible for researching and analyzing financial data to help their company make sound investment decisions. While the job can be demanding, it is generally considered low-stress because it does not involve direct client interaction or sales. Financial analysts typically have a background in accounting or finance, and many companies offer on-the-job training." - Benjamin Basic , Content Writer, Fast Food Menu Prices *Average Salary Range: $57,000 - $70,000 Accounting Accounting offers predictability and routine, making it one of the most stress-free options in finance. With steady demand across all industries, job security adds another layer of peace of mind. "The least stressful job in the finance sector is "Accounting." It requires you to build a routine that you can follow daily. It does not require much effort if you have the skill. An accountant is never on the counter and does not have to deal with clients face to face. One of the hardest things in accounting is the terminology. But if you have a bachelor's degree in accounting or business, you must know these terms. The best part is that accounting jobs are also quite well-paying. Another plus point is that almost every business needs an accountant, no matter the niche, so there is never a lack of job opportunities." - Tiffany Homan , COO, Texas Divorce Laws *Average Salary Range: $54,000 - $66,000 Check out my feature in:   11 Reasons to Get Your Masters' in Finance Portfolio Manager Entry-level portfolio management offers a gentler introduction to finance while maintaining impressive earning potential. With analytical support from your team, this role balances responsibility with manageable stress levels. "An introductory portfolio manager manages a team of analysts who help them make investment decisions. This job is a great way to get started in the finance industry without worrying about the high-stress levels of some other jobs. Plus, you can make a good salary and bonus with this position." - Grace He , People and Culture Director, teambuilding.com *Average Salary Range: $63,000 - $84,000 Personal Financial Advisor Personal financial advisors help individuals plan for retirement, manage budgets, and invest assets. This relationship-based role offers the satisfaction of helping others while earning an impressive income. "One low-stress job in finance that pays well is a personal financial advisor. They help people save for retirement, budget their money, and invest their assets. Personal financial advisors typically require a college degree in finance or a related field, but they can earn a six-figure salary." - Aviad Faruz , CEO, FARUZO *Average Salary Range: $57,000 - $93,000 Internal Auditor Internal auditors enjoy well-defined responsibilities and predictable workflows. This compliance-focused role offers stability with moderate complexity. "Internal auditors validate financial transactions within organizations—including payroll, benefits, invoice payments, and systems compliance. You'll prepare reports with findings and recommendations to ensure financial effectiveness while coordinating with external auditors. Projects typically have limited complexity and low stress due to the nature of serving as a checks-and-balances support role." - Annette Harris , Founder, Harris Financial Coaching *Average Salary Range: $57,000 - $69,000 FP&A Manager For those with experience, FP&A management offers excellent compensation with moderate stress levels. This analytical role involves budgeting, forecasting, and performance tracking without final decision-making pressure. "As an FP&A, you can work in any Fortune 500 or related company or pursue a career in banking structures. Regardless of the organization, you will have similar responsibilities covering putting together profit and loss, preparing summarizing reports and recommendations, or providing commercial analysis on KPIs. The FP&A manager is also responsible for business forecasting and creating financial budgets. FP&A is a 9-5 office job that involves a moderate level of stress. You are mainly occupied with making analyses, providing advice, and managing, while final financial decisions are made at other levels. With seniority, you gain flexible hours, promotions, and, of course, pay raises. As an FP&A manager, it does require 5-10 years of experience." - Nina Paczka , Community Manager,  Live Career **Average Salary Range: $116,000 - $146,000 Insurance Advisor (Risk Manager) Insurance advisors combine relationship-building with analytical skills. This role offers substantial compensation while helping clients protect their financial futures. "An insurance advisor's role is to help clients choose the right insurance policies tailored to their needs. They may also advise clients on how to use their policies best to maximize value. Success requires strong communication, problem-solving, and persuasive selling skills to succeed in the job. Product knowledge is also a must. Insurance advisors work in various settings, including banks, insurance companies, and other financial institutions. The role of an insurance advisor is of utmost importance as it affects the family's financial well-being. To make the client depend on your experience and advice, you need to be diligent and trustworthy towards your work." - Agata Szczepanek , Community Manager, LiveCareer **Average Salary Range: $107,000 - $142,000 What Makes These Finance Jobs Low-Stress? Three key factors contribute to the reduced stress levels in these finance careers: Routine Tasks  - Predictable workflows create stability and reduce uncertainty Regular Hours  - Most positions follow standard 9-5 schedules, supporting work-life balance Limited Client Interaction  - Reduced exposure to demanding clients minimizes interpersonal stress Resources to Advance Your Finance Career For those interested in deepening their financial knowledge, " How Finance Works: The HBR Guide to Thinking Smart About the Numbers " offers valuable insights into how money is raised, invested, and managed, covering various financial assets and how their values are determined by market forces. Finding Your Ideal Finance Career Path While these positions generally offer lower stress levels than other finance roles, personal fit remains crucial. Research potential positions thoroughly, considering how each aligns with your skills, interests, and personality. The right finance career can provide both financial security and the quality of life you deserve. Salary ranges represent USA national averages for entry-level positions with 0-2 years of related experience unless otherwise noted with ** (requiring 5+ years of experience).

Photo by Elijah Mears via Unsplash Have you ever wondered why your grandmother insists you shouldn't put your purse on the floor? Or why finding a penny might make your day? Discover the surprising origins and meanings behind common money superstitions that have shaped financial beliefs for generations. The Power of Financial Folklore Money superstitions have been passed down through families for centuries, influencing how people handle, store, and think about their finances. While some dismiss these beliefs as mere folklore, others swear by their effectiveness. Whether these superstitions work through the power of suggestion, coincidence, or something more mysterious, they continue to fascinate us and shape our relationship with money. Let's explore eight of the most compelling money superstitions from around the world and the cultural meanings behind them. Unbelievable Money Superstitions Never Put Your Purse On the Floor, or You'll Lose Your Money   When Your Palms Itch, You Have Money Coming or Going Eating Greens On New Year's Day   See a Penny Pick it Up, and You'll Have Good Luck   Getting Pooped on By a Bird Brings Good Luck/Fortune Banks Can't Keep Your Money Safe During a Recession Putting Money Face Down is Bad Luck Different Colors Attract Money in Different Ways Never Put Your Purse on the Floor (Or You'll Lose Your Money) Origin : This widespread superstition has roots in several cultures, particularly in Latin America, where "la bolsa en el suelo es dinero que se va" (a purse on the floor is money that goes away) is a common saying. What It Means : Placing your purse or wallet on the floor symbolizes disrespect for your wealth. The belief suggests that if you don't value your money enough to keep it elevated, the universe won't value sending more money your way. Modern Interpretation : Beyond superstition, there's practical wisdom here - floors harbor bacteria and dirt, and placing valuable possessions there increases the risk of forgetting them. Instead, use purse hooks at restaurants or keep your bag on a chair to protect your possessions and financial energy. Itchy Palms Signal Money Coming (or Going) Origin : This superstition dates back to ancient times and appears in various forms across European and African traditions. What It Means : An itchy right palm supposedly means money coming in, while an itchy left palm signals money going out. However, in some cultures, these meanings are reversed. Modern Interpretation : While there's no scientific evidence connecting palm itchiness to financial gains, this belief persists as a hopeful sign for many. Perhaps the real value lies in the mindfulness it creates around financial opportunities when you're expecting money to appear. Eating Greens On New Year's Day Brings Prosperity Origin : This tradition has strong roots in Southern United States culture, particularly within African American communities. What It Means : Eating collard greens, mustard greens, or turnip greens on New Year's Day symbolizes financial prosperity for the coming year. The green color represents money, while the accompanying black-eyed peas represent coins. Modern Interpretation : Starting the year with nutritious foods sets a healthy pattern. Plus, intentionally focusing on prosperity during the first day of the year might subconsciously guide your financial decisions throughout the following months. See a Penny Pick it Up, and You'll Have Good Luck Origin : This rhyming superstition dates back centuries in British and American folklore. What It Means : Finding a penny with Abraham Lincoln's face up is considered good luck, while a face-down penny might bring bad fortune. Modern Interpretation : The real value might not be in the penny itself but in training yourself to notice small opportunities and take action. People who develop the habit of recognizing and seizing small opportunities often find larger ones. Getting Pooped on By a Bird - It's a Good Sign Origin : This unusual superstition exists across multiple cultures, including Russian, Turkish, and Italian traditions. What It Means : If a bird happens to relieve itself on you, your car, or your property, it's considered an omen of incoming wealth and good fortune. Modern Interpretation : While very messy, this superstition offers a valuable perspective on finding silver linings in unpleasant situations. Sometimes, financial opportunities come disguised as problems or inconveniences. Banks Can't Keep Your Money Safe During a Recession Origin : Economic downturns throughout history have created anxiety about the safety of financial institutions. What It Means : Some believe banks can't protect your money during economic crises, leading to the practice of withdrawing cash and storing it at home. Modern Interpretation : Unlike other superstitions, this belief can be addressed with facts. In the United States, the FDIC protects deposits up to $250,000 per depositor, per bank. If you have more than this amount, spreading funds across different account types or institutions provides additional protection - no superstition required. Putting Money Face Down is Bad Luck Origin : This superstition has roots in Chinese culture, where "sleeping money" (face-down currency) is considered unlucky. What It Means : When money is placed face-down, it's said to be "sleeping" and unable to attract more wealth. Keeping bills face-up supposedly activates their energy to draw more prosperity. Modern Interpretation : This practice encourages mindfulness about how we handle money. Being intentional and respectful with money might influence our financial habits and attitudes. Different Colors Attract Money in Different Ways Origin : These beliefs stem largely from Feng Shui principles and color psychology across various cultures. What It Means : Different colors are believed to attract financial energy in unique ways: Gold : Represents luxury and opulence Green : Symbolizes growth and abundance White : Creates mental clarity for financial decisions Red : Activates energy and passion, including around money matters Modern Interpretation : Color psychology does influence mood and behavior. Surrounding yourself with colors that make you feel abundant and confident might indirectly support financial success through positive mindset shifts. Global Money Superstitions Worth Noting Money folklore exists in every culture. Here are a few fascinating international beliefs: In China , lending money on New Year's Day is considered bad luck. If you do, you'll be lending money all year. In Japan , giving someone an empty wallet as a gift is considered bad luck. Always include a coin in it for good luck. In Italy and Russia , counting money after dark is considered bad luck. It can decrease your wealth. In Russia and Brazil , stepping on money is considered bad luck. Beyond Superstition: Creating Your Financial Reality Want to learn more about superstitions? Check out this history of superstitions from A-Z with The Encylopedia of Superstitions . (Ad) While money superstitions make for fascinating cultural studies, financial success comes from deliberate planning rather than magical thinking. The most powerful approach combines: Awareness  of your financial habits and patterns Education  about effective money management Planning  with clear goals and actionable steps Consistency  in saving and investing Patience  as your financial foundation grows Your Turn: Share Your Money Superstitions Do you have a favorite money superstition passed down through your family? Have you experienced any seemingly magical financial coincidences? Share your stories in the comments below—we'd love to hear about the financial folklore shaping your relationship with money! Are you looking to move beyond superstition to real financial education?  Check out my children's book series "Mommy, Can You Teach Me?" that helps parents introduce essential money concepts to kids in an engaging, accessible way. Learn more about teaching children financial literacy through storytelling →

It's the holiday season, and you probably have an event or two to attend. Whether it's an office holiday function or meeting up with family or friends, you want to look your best and stun the attendees. I've found a few affordable Amazon Fashion finds and will share them with you. These items have made me the best dressed at every function, and you will wow the crowd too! The best part is that they're surprisingly affordable and well-made. As an Amazon Associate , I earn from qualifying purchases. Anna-Kaci Women's Short Sleeve One Shoulder Sexy Sequin Top Blouse I wore this sequined top to a bling party. It sparkled and shined all night long. It had a little stretch to it, and I received many compliments. As you can see, it didn't look costumey at all, and you can wear this on multiple occasions. It's perfect for an office event or a night out on the town. The blouse was less than $40, and you can pair it with a pair of black pants right out of your closet. GOBLES Women's Summer Sexy One Shoulder Ruffle Bodycon Midi Cocktail Dress   Sexy One Shoulder Bodycon Midi Cocktail Dress I know this dress says summer, but it's perfect all year round. You can wear this dress to a gala, wedding, baby shower, or dinner. It comes in all colors, like yellow, white, red, and more. So, you can fill your wardrobe with this dress and wear it to your special occasion. My husband was floored when I put this dress on, and my daughter was even amazed. It's form-fitting but not tight and very easy to walk in. Not to mention the sleeve adds to the flair of this dress  without it being too over the top. What's the price? $40! Casual Shirt Dress High Low Irregular Hem Ruched Blouse   Casual Shirt Dress High Low Ruched Blouse All-white affair, anyone? I've seen this top worn differently depending on the occasion. Some people wear it as a dress, and others wear it as a blouse. You can pair this blouse with shorts, a skirt, or pants. I found these white tights  on Amazon as a part of an all-white affair I was attending. Typically, long dresses drag on the floor at my 5'4" height, but I didn't have that problem with this blouse. The tights can also be repurposed for work or worn casually on weekends. I'm all about repurposing outfits; these pants can be paired with anything. The outfit costs $100 and can be used at numerous all-white affairs or special events in your future. Vimoisa Women Sexy Boho African Jumper   Vimoisa Women Sexy Boho African Jumper I found the perfect African attire for the Wakanda premiere. It isn't easy to find well-made and affordable African clothing online. This jumper was less than $40 and was true to size. Typically, when I find a jumper, the fit is just awkward, and this was the first one that fit perfectly. The material wasn't too heavy, and the jumper  can be worn in the fall, winter, and even spring. This pattern is also sold as a dress, and there are other options, long, short, and various colors. All of the options range from $25 to $40. You'll turn heads! Fall Summer Deep V Neck Ruffle Long Sleeve Floral Print Dress   Fall Deep V Neck Ruffle Long Sleeve Dress Yes, this is a summer, fall, or winter dress. It just depends on where you're going, and every winter, I find someone's beach to sit on. This year is no different, and this ruffle dress  was perfect for walking along the beach and the vow renewal I attended earlier that day. I put a pin in the top because the V-neck was too deep for my taste. However, it was the perfect dress when sitting outside in the hot sun. The back also has a very sexy opening that surprised me as well. All you need is a little boob tape, and you'll be good to go. This was another find that was under $40. Whatever event you have to go to, I'm sure you'll turn heads wearing any of these outfits. You can find the perfect color, style, or size for your body type. Tell me in the comments if you've tried one of these outfits and how many heads you turned.

The holidays are around the corner, and you may need a gift but don't know what to buy. Here are a few items you can gift to hard-to-shop-for friends, associates, or family members. No more wandering the store aisles. The perfect thing can be found here! All of the items in this gift guide are under $40 for the budget-conscious consumer. Check them out before you have to pay for overnight shipping! As an Amazon Associate I earn from qualifying purchases. The Perfect Gift For Everyone on Your List Gifts For Men Gifts For Women Gifts For Babies Gift For Children Gifts For Teens Gifts For Content Creators Gifts for the Hard to Shop For Gifts for Men 1. Happy Nuts | Refresher Are you searching for the perfect stocking stuffers for the men in your life this festive season? Look no further than Happy Nuts, a brand that specializes in providing top-notch grooming products designed specifically for below-the-waist care. Happy Nuts products address common issues such as sweat, chafing, and unwanted odors, ensuring that every man feels fresh and comfortable throughout the day. Whether you're shopping for your partner, father, brother, or friend, Happy Nuts offers a thoughtful and practical gift that caters to even you. 2. Fuzzy Memory Foam Slippers These LongBay slippers are a unique and thoughtful option. They're easy to slip on and have a snug fit that doesn't slip off when you're walking around the house. The soft vegan sherpa exterior and cozy polar fleece interior provide warmth and comfort like no other. Plus, enjoy the special offer and a 12% discount from 9/29/2024 to 1/29/2025 . Don't miss out on this cozy deal! Treat the man in your life to the ultimate comfort with LongBay house slippers. 3. Aftershave for Men ERA Organics offers a men's aftershave that provides a comprehensive solution for preventing razor bumps and unclogging pores. This product is suitable for all skin types and contains natural ingredients like ginger, black walnut, and white oak bark extract to soothe the skin and address imperfections. It's also free from harsh chemicals, parabens, sulfates, and toxins, which is great for those with sensitive skin. This thoughtful gift is sure to be appreciated by any man looking for high-quality skincare products . 4. Groin & Body Hair Trimmer This trimmer is going to be a great upgrade from your current shavier. It’s easy to use and charge and provides a nice close shave with minimal effort. I appreciate the LED light and the digital display of the battery life percentage. The quick recharging time is also a plus. Aesthetically, I like the plain black body of the razor. Overall, two thumbs up! From now until December 1 take advantage of a 30% off discount , which will help you save on your holiday budget. Gifts for Women 1. Christian Motivational Tumbler This motivational tumbler is perfect for the women in your life. The 20 oz size is perfect for water or your double dose of morning coffee. The quality of the tumbler feels good, and I have a smaller one with the same kind of lid/top. It's a simple design, but it's easy to clean and keep the heat or cold in, sliding it closed when not drinking. The messaging is beautiful, and I think it's a great gift for yourself or others. It also includes a nice metal straw and a cleaner. Since the message isn't engraved, be sure to take care of it and don't put it in the dishwasher. This is probably a hand-wash-only item. Overall, I like it and think you will get a lot of use out of it. The best part is it's only $10! 2. Fuzzy Memory Foam Slippers Okay, I had to find fuzzy and comfortable slippers for women too! These LongBay slippers are just as unique and thoughtful for the ladies in your life. Whether or not they are for lounging or if you have someone who is expecting, these slippers will ensure their comfort and coziness no matter the situation. I have a deal for women too. Take advantage of the special offer of a 10% discount from now until February 2025 . Don't miss out on this cozy deal! 3. Fall/Winter Fleece Jacket This stunning jacket is designed for easy wear with a stylish button design and practical pockets for all your essentials. It's a timeless wool-blended bomber jacket that adds an edgy and chic touch to your casual outfits. A must-have for any fashion-savvy woman, it's perfect for staying stylish and cozy during the autumn and winter seasons. Plus, for a sleek and fitted look, consider sizing down. Get ready to elevate their wardrobe with this versatile and fashionable piece! Don't let the $42.99 price tag deter you. It's 30% off through 2025 . 4. Crossbody Bag for Travel When it comes to versatile accessories, this crossbody bag truly stands out as a must-have item for travel enthusiasts and fashion-forward individuals alike. Crafted with both style and functionality in mind, this bag is the perfect companion for any occasion, whether it's a weekend getaway or a casual outing in the city. The sleek design and durable materials make this crossbody bag a practical choice for those who are always on the go. The adjustable strap also ensures a comfortable fit, allowing travelers to wear it crossbody or over the shoulder with ease. Save here with an additional 20% off . Gifts For Baby and New Parents 1. Baby Bath Seat If you have kids or if you've ever tried to bathe a baby, you know how difficult it is to hold a squirming little one. It's either going to cause you back pain because you have to bend over or you have to keep the baby from slipping. This cute baby bath seat prevents back pain and helps you bathe the baby without all the stress. It comes in fun colors, and the suction cups and arms help keep the baby secure. 2. Bungee Bib & Utensil Set My granddaughter and I both love this silicone bib. Unlike cloth bibs, the Bungee silicone bib is easy to clean and catches food as it falls, reducing the need for frequent laundry and minimizing food waste. This is no ordinary bib – it also features four adjustable size settings to accommodate a growing baby. 3. Musical Toys for Baby Looking for the perfect baby gift? Consider these musical toys designed to enhance sensory experiences in infants and toddlers. They feature five nursery rhymes and seven rattle sounds and come in three vibrant colors: yellow, red, and orange. The LED light enhances vision, the silicone stimulates the sense of touch, and the sound promotes hearing development. This combination is perfect for fostering creativity in newborns. Additionally, they are made of food-grade silicone, ensuring they are entirely safe, non-toxic, and odorless. Gift Guide For Children 1. How to Catch Books The delightful How to Catch series invites young readers to join fun-filled adventures as they try to catch magical creatures, mythical beings, and sneaky characters. Each book has engaging rhymes, imaginative illustrations, and playful problem-solving that kids adore. From dragons and mermaids to the tooth fairy and monsters, these stories spark creativity and entertain readers of all ages. The How to Catch series is a must-have for every child’s bookshelf, perfect for gifts, classroom reads, or bedtime stories. Grab two or three to start the series! 2. Cute Cat Purse My daughter, who aspires to become a veterinarian, has a deep passion for this particular purse. Its versatility allows her to own it in a variety of colors so she can coordinate it with her different school outfits. The purse is compact enough not to hinder her movements or get in the way of her school bookbag, yet it still accommodates her phone and other essentials. It perfectly complements her busy school routine, adding a touch of personal flair to her everyday look. For a limited time, you may be able to get 20% off this unique cat bag ! 3. STEM Magnetic Tiles For Kids My nephews are getting these as a holiday present. If you're tired of stepping on Legos, these are a great alternative since they're flat! They help children learn about colors, geometric shapes, 3D forms, numbers, counting, and magnetic polarities. The magnet building tiles are easy to put together and easy to store away. The set includes a total of 60 pieces, with additional shapes and pieces, including car bases with high-quality wheels, and special shapes that will keep children entertained for hours. It's a great gift for boys and girls ages 3 and up. Gifts for Teens 1. Growth Mindset Journal for Teens The Big Life—Growth Mindset Journal for Teens is a fantastic tool for helping teenagers adopt a positive and forward-thinking mindset about their future. It includes captivating stories, quotes, illustrations, and writing prompts. Moreover, if you have a withdrawn teen , the journal can encourage them to open up and share more with you . The journal also teaches young individuals that mistakes present a chance for personal growth, enhances their self-esteem and resilience, and supports them in conquering the fear of failure and perfectionism. 2. Nail Polish Set Looking for the perfect gift for a trendy teen? Check out this nail polish collection that combines classic and trendy shades! With 6 trending colors, including Mint Green, Silver Shimmer, Watermelon Red, Pastel Pink, Light Blue, and Palace Green, this set will keep their nails fashion-forward and in sync with this year's popular colors. It's a fun and stylish gift that any teen will love to coordinate with their fall and winter outfits. 3. Remote Control RC car Are you searching for the perfect gift to captivate and entertain your teenager? Look no further than the exhilarating world of RC remote control cars . This RC car is not just any ordinary toy; it is a high-speed, adrenaline-pumping machine that can conquer a wide range of terrains with ease. Whether your teenager is a thrill-seeker who craves speed or an outdoor enthusiast who loves exploring different landscapes, this RC car is sure to provide endless hours of entertainment and excitement. Give the gift of adventure and fun with this RC remote control car that promises to keep your teenager engaged and entertained for hours on end. Gifts For Content Creators 1.   MagSafe Phone Holder for Stanley Cup Let me tell you, it is challenging to get your camera angle right if you don't have the appropriate phone holder. This phone holder is sturdy and can be clamped just about anywhere, even on your Stanley Cup. The MagSafe Phone Holder is for Zoom videos, YouTube videos, or even Facebook live events, from the kitchen counter to the office desk. 2. UBeesize 10" Selfie Ring Light with 50" Extendable Tripod Stand & Phone Holder Many ring lights are available now, ranging from $30 to $100 and up. The UBeesize ring light is affordable lightweight, and enables you to adjust the lighting with the click of a button. It's also very sturdy and can be moved to any room in the house or even used outdoors. This is one of my favorite purchases and holds steady after years of use. The best part is it's less than $35. 3. Veleasha Eyelashes 7 Styles Faux Mink Lashes - Reusable Lights, camera, action! But wait, is your face ready? Many content creators are the face of their brand, so makeup , eyelashes, and accessories are essential for the video shoot. The most exciting thing about the Veleasha Eyelashes is that they are reusable! Variety is the spice of life, and these lashes give all of that! Tip: My daughter loves these lashes and reuses them repeatedly, and they look good from day to day. Gifts for People Who Are Difficult to Shop For 1. Give the Gift of Amazon Prime Perfect as last-minute gifts or for those who have it all. Some key Prime benefits: FREE Two-Day Shipping on millions of items No minimum order size Instant streaming of thousands of movies and TV shows Unlimited, ad-free access to over a million songs and hundreds of playlists 2. Audible Gift Memberships  If you know an avid reader, this gift keeps them engrossed in their next adventure or self-help book. Every Premium Plus gift membership  includes: The Plus Catalog: the all-you-can-listen catalog including thousands of audiobooks, podcasts, and originals 1 credit a month, good for any title in the app to keep forever All the best audio entertainment, all in one free app Here are a few additional tips for saving money on holiday gifts: Set a budget and stick to it. Don't feel obligated to buy a gift for everyone on your list. Make a list of gift ideas and cross them off as you buy them. Shop around for the best prices. Consider giving gifts that are homemade or secondhand. Don't forget the importance of giving thoughtful gifts. By following these tips, you can create a holiday gift list that's both festive and frugal. With a bit of creativity and planning, you can find the perfect gifts for your loved ones without breaking the bank.

Are you searching for ideas on how to have a budget-friendly Halloween? If you're looking to celebrate Halloween without breaking the bank, there are plenty of ways to have a great time without spending too much money. By following some simple tips and tricks, you can create a fun-filled Halloween experience that you and your loved ones will treasure for years. Whether it's getting creative with your costumes, making your own decorations, or finding low-cost ways to enjoy spooky treats and activities, there are plenty of ways to have a great time without breaking the bank. As an Amazon Associate , this post may contain affiliate links. How to Budget for an Affordable Halloween Skip the Store-Bought Costumes Shop at Discount Stores for Decorations   Host a Free or Low-Cost Halloween Party   Volunteer Your Time Bring the Kids to a Free Event Make the Most of Your Pumpkin Have a Costume Contest Watch Halloween Movies Visit a Pumpkin Patch Skip the Store-Bought Costumes With a bit of creativity and resourcefulness, you can easily find affordable and unique costume ideas online  or at a nearby thrift store. Don't be afraid to put your own personal touch on your costume by incorporating your own clothes and accessories. For example, a simple outfit and some fake blood can easily transform you into a spooky zombie. Shop on Amazon for Decorations When it comes to Halloween decorations, my favorite spot is Amazon for decorations under $20. Amazon is a great place to find affordable Halloween decorations. You can find a variety of spooky decorations like plastic pumpkins, fake spiders, and eerie tablecloths and napkins. If you're looking for even more budget-friendly options, thrift stores and garage sales often have good deals, too. Here are a few of my favorite items under $20! Halloween Lawn Decorations Ready to add some spine-chilling excitement to your home this Halloween season? Transform your space into a spooky showcase with playful skeletons and various seasonal adornments, ideal for gatherings or setting a ghostly ambiance for Halloween visitors! Get your yard decor here! Halloween Indoor Decorations These Halloween string lights feature a distinctive design. The eerie illumination can help your home stand out during Halloween night. The Skeleton Hand shape is functional and artistic, bringing a whimsical element to your Halloween decorations. You can illuminate your Halloween decor with a simple press, setting a mysterious mood. Get your lights here ! See my feature in Real Simple How to Budget for the Holidays   Host a Free or Low-Cost Halloween Party Why not host a party at home instead of going to a bar or restaurant? You can affordably provide some simple food and drinks while inviting your guests to bring their own costumes. It's also a great idea to ask your guests to bring a dish to share while you provide the main course or dessert. Volunteer Your Time If you're looking for a way to celebrate Halloween while positively impacting your community, consider volunteering at a local soup kitchen or homeless shelter. Not only will you be able to enjoy the spooky holiday and save money, but you'll also be able to help those in need. Volunteering at these organizations can involve preparing and serving meals, organizing donations, and assisting individuals experiencing homelessness. It's a great way to give back and make a difference in the lives of others. Bring the Kids to a Free Event Numerous communities across the country present a plethora of free Halloween festivities, including trunk-or-treat activities held at local schools or churches. These events offer a convenient and cost-effective way for families to celebrate this beloved holiday without breaking the bank. These events are held during school hours or earlier in the day, so you don't have to stay out late at night going door to door. Make the Most of Your Pumpkin Instead of just carving your pumpkin and throwing it away, consider repurposing it into tasty treats such as pumpkin soup, bread, or pie. Not only will this help reduce waste, but it's also a great way to use the entire pumpkin and enjoy some delicious meals. So next time you're done with your pumpkin carving, save those seeds and get cooking! Check out The Great Big Pumpkin Cookbook  for inspiration for your next fall get-together. See my feature in U.S. News 10 Simple and Free Budgeting Tools Have a Costume Contest Instead of Giving Out Candy Planning a costume competition is an excellent initiative that can engage all members of the community while simultaneously providing a cost-effective alternative to distributing candy. It is a fantastic opportunity for people to showcase their creativity, express themselves, and bond with each other in a fun-filled environment. Moreover, it can foster a sense of camaraderie and promote a positive community spirit. Overall, organizing a costume contest is a well-thought-out idea that can benefit everyone involved. Include party favors so your guests can remember the event and continue the fun. Need a promo code to save even more? Use code UPBRANDS59 for orders over $59 to save an additional 6%. Spend Time at Home Watching Halloween Movies To fully immerse yourself in the Halloween spirit, why not whip up some delicious popcorn and settle down on the couch to enjoy an array of classic Halloween movies? Some great options to consider include "Hocus Pocus," "The Nightmare Before Christmas," and "Beetlejuice." These movies are sure to provide the perfect blend of spooky and fun for a memorable Halloween movie marathon. Enhance the fun at home by using Halloween placemats . Young children can have fun coloring the spooky designs on durable, premium paper, while older kids can engage in word searches, seek-and-find puzzles, and more! Visit a Pumpkin Patch In the past, my children loved visiting Pumpkin Patches during the autumn season. Pumpkin patches offered an overload of exciting activities, including games, bounce houses, corn mazes, hay wagon rides, petting zoos, and other fun fall foods to enjoy. It was an excellent way for them to revel in the joys of autumn and create unforgettable memories. What's Next? Don't let a tight budget hold you back from enjoying the spooky season - with a little bit of creativity and planning, you can have the Halloween of your dreams without spending a fortune! So, why not give it a try and see how much fun you can have while still sticking to your budget? Here are some additional tips for staying safe on Halloween: Trick-or-treat with a buddy.  It's always safer to go trick-or-treating with a friend or family member. Stay in well-lit areas.  Avoid going trick-or-treating in dark or isolated areas. Don't eat any candy that you haven't opened yourself.  This is to avoid getting sick from tampered candy. Be aware of your surroundings.  Don't walk alone, and be careful crossing the street. I hope these tips help you have a safe and affordable Halloween!

Do you find yourself facing financial difficulties with no clear solution in sight? I've consulted financial coaches and business leaders to compile a list of the top personal finance books for beginners. With titles like Your Money Or Your Life, Surviving Debt, and The Total Money Makeover, these books offer valuable insights and guidance to help beginner readers learn how to manage their finances effectively. As an Amazon Associate I earn from qualifying purchases. Best Personal Finance Books for Beginners Your Money Or Your Life by Vicki Robin Surviving Debt by National Consumer Law Center The Mountain is You by Brianna Wiest Nickel and Dimed by Barbara Ehrenreich The 80/20 Principle by Richard Koch I Will Teach You to Be Rich by Ramit Sethi Rich Dad Poor Dad by Robert T. Kiyosaki The Psychology of Money by Morgan Housel Money, A Love Story by Kate Northrup Broke Millennial by Erin Lowry You're So Money: Live Rich Even When You're Not by Farnoosh Torabi The Total Money Makeover by Dave Ramsey 1. Your Money Or Your Life by Vicki Robin This is an oldie but goodie when it comes to evaluating the true "hourly rate" from your job and what additional costs you may incur from your work, such as commuting, health, de-stressing activities, etc. This helps to put your work into perspective, consider other jobs that may have a higher "hourly rate," and also use this hourly rate to reconsider the items you may want to buy (or not) given the true "cost." The end goal is to save for early retirement, in which you are able to stop working when you are healthy and happy and satisfied with what you have. - Kristine Thorndyke , Test Prep Nerds 2. Surviving Debt by National Consumer Law Center Surviving Debt was published by the National Consumer Law Center and provides helpful advice for various debt situations. You can find ways to establish a budget, prioritize debts, respond to debt collectors, and know how to avoid and identify scams. Surviving Debt also provides valuable tools and resources to help you get out of debt, including sample debt response letters, bankruptcy resources, and agencies you can contact to find additional help. - Annette Harris , Harris Financial Coaching 3. The Mountain is You by Brianna Wiest The Mountain is You, by Brianna Wiest, is a fantastic book that can help you look within to determine how you can deal with financial challenges in your life. Oftentimes, "the mountain" is a symbol of the big challenges we encounter in our lives, especially ones that seem insurmountable. Almost always, problems with finances seem impossible to figure out. To overcome these mountains, we actually have to do the deep internal work of understanding how we got ourselves into our current situation. Ultimately, it is not the mountain that we conquer but ourselves. - Jonathan Zacharias, GR0 4. Nickel and Dimed by Barbara Ehrenreich Nickel and Dimed by Barbara Ehrenreich is a great book for young people learning about finances and adults seeking better financial practices. It's a classic book that can help build a good foundation for monetary practices or lead to someone reassessing bad habits. While there are more specialized books for businesses, investments, and retirement packages, this book is a great place to start. - Rob Bartlett, WTFast 5. The 80/20 Principle by Richard Koch The 80/20 Principle: The Secret to Achieving More with Less by Richard Koch is a book I recommend to anyone who is facing financial problems on an ongoing basis. The premise is that 80% of all our results in business and life come from 20% of our efforts. Individuals who follow this principle tend to do well in their personal and professional lives. The key is to focus on factors in life that we can control and put our energy in the right places. - Jorge Vivar, Mode 6. I Will Teach You to Be Rich by Ramit Sethi "I Will Teach You to Be Rich" by Ramit Sethi is one of my go-to recommendations for financial health how-to. The book breaks down financial literacy into simple steps and best practices. It has an emphasis on aligning your priorities and financial means and designing a sustainable system rather than simply trying to abstain from spending. Rather than shame spenders, Sethi shames financial institutions that seek to fleece consumers and make the process confusing, outlines some more client-centric companies, and lays out simple strategies to be smarter about money, pay down debt, manage bills, and invest for the future. - Carly Hill, VirtualHolidayParty.com 7. Rich Dad Poor Dad by Robert T. Kiyosaki "Rich Dad, Poor Dad" by Robert T. Kiyosaki. It is a great book on how to develop financial intelligence. What's more, it advocates the importance of financial literacy. What I really appreciate is that the book doesn't give you ready-made solutions. It rather provokes thought, encourages self-analysis, and guides you. Thanks to that, you can reshape your attitudes towards money. Very inspiring, insightful, and written in a "nice-to-read" manner. - Agata Szczepanek, MyPerfectResume 8. The Psychology of Money by Morgan Housel The Psychology of Money by Morgan Housel is an excellent investigation into further understanding human behavior and money. The success of this book is the deep dive into the human psyche and gaining further insight. Into why your mood can increase and decrease spending habits. Lastly, if financial problems are a struggle, get to the root of why you spend and shift your thinking. An incredible book that opens opportunities for enlightenment and improving your financial state. - Yooseok gong, Ohora 9. Money, A Love Story by Kate Northrup Many good books are on the market, and those with practical advice are helpful. However, I think you must get to the root of the problem before you solve your financial woes. The root is your relationship with money. For that, a good place to start is reading "Money, A Love Story: Untangle Your Financial Woes and Create the Life You Really Want" by Kate Northrup. This is a great book because the author doesn't judge you. She paid off thousands in debt herself. Often, practical books leave you feeling like you can't get there from here, but this book leaves you with the feeling that the author understands you. She can guide you out of your financial mess with doable solutions you can implement now. - Steve Mascarin, Taunton Village Dental 10. Broke Millennial by Erin Lowry Millennials are often defamed for having poor financial habits. Therefore, the book Broke Millennial: Stop Scraping by and Get Your Financial Life Together is the best one to help you solve your financial riddles. This book was published in 2017, and it's about personal finance written by a millennial for millennials. It has been seen that people are saddled with student loan debt, and encountering an economy where gigs are in and lifetime employment is out; it's difficult to blame them. The author of this book, who kick-started as a financial professional, wrote a blog of the same name and made videos for a famous YouTube channel. - Shivanshi Srivastava, PaydayLoansUK 11. You're So Money: Live Rich Even When You're Not by Farnoosh Torabi This personal finance book by Farnoosh Torabi is written in humorous language that is easy to follow and ensures better comprehension of the different personal finance concepts the author introduces in the book. I love this book because it is practical and offers realistic steps to reducing your debt level, budgeting your income, saving, and investing. She captures the readers with her excellent narration and her experience as the best teacher. - Mehtab Ahmed, LoansJury 12. The Total Money Makeover by Dave Ramsey The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness Financial problems can only be resolved when you have a blanket solution that works on every level. Unless you put such a comprehensive solution to work, there will always be leaks in your financial boat. This book from Dave Ramsey gives you the right plans, helps you unravel myths, and nudges you to take practical action to make your personal financial position stronger. From showing you how to work towards living a debt-free life to teaching you just how you can build a growth-oriented financial future with the resources you have at hand, this book does it all. - Riley Beam, Douglas R. Beam, P.A.

Are you a wanderlust at heart, always dreaming of your next adventure? If you've been following me for a while, you know I love to travel ! So, do you want to look stylish on your travels without breaking the bank? I've curated a list of the best budget-friendly fashion finds and summer essentials on Amazon, perfect for your travels or relaxing days at home. As an Amazon Associate , I earn from qualifying purchases. Summer Fun at Home and Abroad Effortlessly Stylish Crochet Finds Country Gingham and Grammar Staying Fit and Cool at Home Let's dive into our top picks for this summer: Effortlessly Stylish Crochet Finds: Versatile Pieces for Travel & Relaxation Simplify your travel wardrobe with versatile crochet pieces! Perfect for long flights, beach days, or casual outings, these items offer comfort and style without the need for complex coordination. Crochet Swimsuit Cover I've been absolutely loving this cover-up! It provides great coverage and is the perfect length for me at 5'4". It's so lightweight and comfortable that I've worn it several times. Plus, the neutral color goes with everything, making it a versatile and stylish piece for my wardrobe and yours! Men's Knit Button Down Short Sleeve Polo The vintage design of this amazing shirt, combined with the short sleeves and button-down feature, gives it a classy yet casual look that's perfect for any occasion. The knit texture adds a unique touch that sets it apart from other shirts. Comfort is outstanding—the fabric is soft and breathable, the fit is just right, and it maintains its comfort even after a full day of wear. The quality is equally impressive, with sturdy stitching and securely attached buttons that have held up well after several washes. My husband couldn't be happier with this shirt—it's a winner! Summer Mini Dress with a Crochet Hem Comfort is essential, especially for everyday activities. This summer dress is versatile, suitable for work, the beach, or home, and easy to style. Its lightweight knitted fabric provides a unique texture, keeping you cool on hot days. The dress accommodates a regular bra and cleverly conceals tummy imperfections, boosting confidence. This summer dress is a valuable addition to any wardrobe with its comfort and versatility. Two Piece Summer Knit Set Looking to add some flair to your summer wardrobe? Check out this fabulous two-piece knit set! The sleeveless top and wide-leg pants make for a stylish and comfortable option. Consider sizing up for that perfect flowy look to avoid material hugging your body. Although the fabric is on the thinner side and slightly see-through, you can easily solve this by wearing a thin white top underneath. Country Gingham and Grammar Yes, the influence of Beyoncé's latest album and the current trend in country music has sparked a resurgence in fashion choices. Combining denim and plaid has become popular, blending urban chic with rural charm. Beyoncé's music exudes confidence and empowerment, which translates into a bold and expressive fashion sense. So, whether you're rocking denim and plaid in the city streets or at a country music festival, you're sure to make a stylish statement that captures the essence of urban cool and rural charm. Western Cowgirl Cowboy Ankle Boots These Western Cowgirl Cowboy Ankle Boots fit just right and leave enough room in the toe area to prevent discomfort. The pointed-toe design adds a touch of elegance, while the inside zipper makes them easy to put on and take off. The stitching detail on the boots showcases quality craftsmanship and lets you know they will last a long time. Also, the low heel gives you a little lift without discomfort, especially when you're at a concert or riding an ATV. Paisley Print/Solid Bandana Tube Crop Top The Paisley Print/Solid Bandana Tube Crop Top is perfect for a hot day out or a summer concert. The lively paisley print can complement any outfit beautifully. It comes in over 20 colors, so you can mix and match it with multiple outfits. It's also double-lined, which offers ample support without the need for a bra. Moreover, the lightweight fabric makes it easy to wear so that you can move and dance freely. Denim Overall Shorts Jean Romper with Pockets When it comes to casual yet stylish summer outfits, these Denim Overall Shorts Jean Romper with Pockets are a must-have. The relaxed, baggy fit not only provides comfort but also exudes a trendy and effortless vibe. Pairing these overall shorts with a fitted ribbed tank  underneath creates a chic and balanced look. The contrast between the loose silhouette of the romper and the snug fit of the tank top adds dimension to the outfit, enhancing its overall appeal. Plaid Square Neck Crop Tank - Gingham Lace This Gingham Lace top not only looks cute but also offers a comfortable, stretchy fit that stays true to size. The intricate lace detailing adds a touch of elegance to the overall look, making it a versatile wardrobe staple for the summer season. Whether you pair it with high-waisted denim shorts for a casual day out or dress it up with a flowy skirt for a more sophisticated ensemble, this top is sure to make a statement. Staying Fit and Cool at Home It's been an extremely hot summer, and staying cool should be at the top of your list. However, drinking water doesn't have to be boring, and there are so many other beverages you can drink while watching a movie or getting fit. Below are a few items that can help you stay cool this summer. Stanley Cup Ice Cube Silicone Tray This is my favorite ice mold! What's really neat about the Stanley Cup Ice Cube Tray is how perfectly it fits your cup and straw—no more struggling with giant ice cubes that won't fit or tiny ones that do nothing. These heart-shaped ice cubes are just the right size to chill your drinks without any hassle and don't block your straw. It is a little floppy, so put it on a saucer so you won't spill water when walking it to the freezer. Countertop, Portable Ice Machine Portable ice makers like the COWSAR  offer convenience by quickly producing ice on demand, eliminating the need to buy bags of ice or wait for ice cube trays to freeze. It's compact and suitable for small kitchens, RVs, or other limited spaces when you're traveling. They typically produce ice cubes in a relatively short amount of time (6 to 15 minutes), and many models have a self-cleaning feature to simplify maintenance. I prefer this ice maker because I hate the hotel lobby ice makers. Slim Compact Treadmill If you haven't started our summer workout routine, it's not too late. With the Sunny Health and Fitness Treadmill , you don't have to endure the summer heat. Whether you're a fitness enthusiast looking to enhance your training or a beginner taking the first steps towards a more active lifestyle, this treadmill offers a convenient and effective solution to stay fit and motivated all year round without the gym costs. The Summer I Turned Pretty The Summer I Turned Pretty, a coming-of-age romantic drama on Amazon Prime , follows Belly Conklin, a teenager on the cusp of 16. Belly escapes to Cousins Beach with her mom and brother each summer, reuniting with their close family friends, the Fishers – Susannah (practically a second mom) and her sons, Conrad and Jeremiah. This summer feels different, though. The series explores a love triangle, friendship and family, and self-discovery. If you're looking for a show with romance, summer vibes, and the complexities of growing up, The Summer I Turned Pretty is a delightful watch on Amazon Prime. What are you going to get into this summer? Ready to elevate your summer style and stay cool? Explore these budget-friendly Amazon finds today! Head to Amazon Prime and discover these stylish picks today! Here's a free Amazon Prime trial offer just for you. What are your summer plans? Share your favorite finds and travel adventures in the comments below! Happy travels, stylish adventures, and a relaxing summer! ✈️🌍🛍

Empower your children with essential money skills through engaging stories that transform complex financial concepts into relatable adventures. Why Financial Literacy Matters for Children Raising financially savvy kids starts young. In today's complex economic landscape, teaching children about money management is just as important as other fundamental life skills. The "Mommy, Can You Teach Me?" series by author Annette Harris tackles money matters head-on, transforming abstract financial concepts into relatable adventures that children can understand and enjoy. Meet the "Mommy, Can You Teach Me?" Financial Literacy Series for Kids This comprehensive collection of children's books about money features siblings Destiny and Trey, whose curiosity about finances leads them through engaging stories that build essential money skills step by step. Book 1: Mommy, Can You Teach Me About Money? The perfect introduction to money basics for young children In this foundational book, young Destiny learns about: Different types of coins and bills How parents earn money through work Various ways children can earn their own money Basic concepts of saving and spending The book includes interactive activities designed to reinforce money recognition and value concepts, making it the perfect starting point for your child's financial education journey. Book 2: Mommy, Can You Teach Me How to Budget? Help your child master the art of planning and prioritizing Trey joins Destiny as they explore: Understanding income and expenses Distinguishing between needs and wants Setting meaningful financial goals Creating simple budgets to achieve their dreams Through practical examples and relatable scenarios, children learn that budgeting isn't about restriction—it's about making smart choices to get what you really want. Book 3: Mommy, Can You Teach Me How to Save? Transform saving from a chore into an exciting adventure Join Destiny as she discovers: The power of delayed gratification Setting meaningful savings goals The difference between piggy banks and savings accounts Creating vision boards to visualize financial goals The exciting concept of watching money grow over time This book makes saving feel like a superpower rather than a sacrifice, teaching children that patience brings rewards. Book 4: Mom, Can You Teach Me How to Invest? Prepare teens and young adults for financial independence As Destiny and Trey grow into teenagers, they explore: The basics of investing in stocks, mutual funds, and ETFs How investments can grow money over time Risk assessment and diversification Setting long-term financial goals This advanced book uses relatable examples and interactive reflection questions to help older children identify their motivations for investing and begin their journey toward financial independence. Why Parents and Children Love These Financial Literacy Books For Children: Relatable Characters : Destiny and Trey grow and learn just like your child, asking questions and seeking answers. Engaging Storytelling : Warm, humorous narratives make financial concepts accessible and fun. Vibrant Illustrations : Colorful visuals bring abstract money concepts to life. Interactive Elements : Activities and exercises reinforce learning through hands-on experiences. For Parents: Conversation Starters : Each book provides discussion prompts to continue money talks beyond reading time. Age-Appropriate Content : Concepts are introduced in a developmental sequence that grows with your child. Practical Application : Tips for implementing financial lessons in everyday family life. Long-Term Impact : Build a foundation for healthy money habits that will benefit your child for life. Begin Your Child's Financial Literacy Journey Today The "Mommy, Can You Teach Me?" series is more than just a collection of children's books about money—it's an investment in your child's future. By introducing financial concepts early through engaging stories, you're giving your child tools for success that many adults wish they had learned in childhood. Click here to explore the complete "Mommy, Can You Teach Me?" money series and take the first step toward raising financially confident children! Annette Harris's financial literacy series for children has helped thousands of families start important conversations about money. Join the community of parents who are empowering the next generation of financial decision-makers. Have you started teaching your children about money? Share your experiences in the comments below!

Are you feeling trapped in a financial rut, working hard but struggling to achieve your financial goals? You're not alone. Millions worldwide seek to improve their financial well-being. Discover how to bridge the gap between your financial dreams and reality with these impactful personal finance books. As an Amazon Associate , this post may contain affiliate links. Key Financial Topics Covered: Mindset Shifts for Financial Success Behavioral Economics and Financial Decisions Practical Strategies for Wealth Building Balancing Spirituality and Financial Health Empowering Women in Finance Recommended Personal Finance Books The Ruthless Elimination of Hurry  by John Mark Comer Learn to slow down, prioritize, and achieve a more fulfilling life by integrating spiritual disciplines into your financial habits. Some of the spiritual disciplines that Comer discusses in the book are: Silence and solitude:  This practice involves setting aside time during the day to spend alone with yourself and God. It can be achieved through prayer, meditation, or sitting in nature. My daily exercise or yoga time is perfect for this. Sabbath:  This practice requires taking a weekly break to relax and think. It's a chance to detach from work, gadgets, and duties and concentrate on spending quality time with family and friends while focusing on spirituality. However, don't let your spirituality occur just once a week. Remember that living a Godly life with a Christian worldview occurs daily and in everything you do. Financial Changes:  This practice involves taking a close look at your spending and identifying ways to cut back. It may require you to pay down debt, create a budget, automate your savings, and invest for the future. It's all about not being consumed by material possessions and living a life of simplicity. Simplicity: This practice involves leading a more deliberate and less chaotic life. It may include simplifying your living space, organizing your schedule, and cultivating meaningful relationships. One way that I do this is by using my annual closet-clearing routine found here . Slowing down: Practicing this discipline involves slowing down and appreciating each moment. It may require taking time with daily activities, speaking more relaxed, and calming your thoughts. I practiced driving the speed limit, not over, and was amazed at what I saw on my drive home to my rural neighborhood. These are just a few of the spiritual disciplines that Comer discusses in the book. If you want to learn more about them, I encourage you to read The Ruthless Elimination of Hurry. See my feature in Lovely Impact 7 Coaches Share What Books Inspired Them Most   The Why of Wealth  by Cassandra Smalley Empower yourself to maximize your wealth and earning potential, especially designed to address the unique financial challenges women face. This book is designed to help women maximize their wealth and earning potential but can also assist men. It recognizes women's challenges in the workplace compared to their male counterparts, aiming to reduce the wealth gap between genders. Cassandra details the compensation decreases when women leave the workforce for various reasons, whether childbirth, taking a career gap, or finding a new career path. One of the book's standout moments is when Cassandra advises women to safeguard their financial futures. "Proactively using your voice will enable you to work toward achieving financial freedom... Coordination with your partner and professionals will help you best accomplish the big and small goals along your journey." Ultimately, the book aims to cultivate a wealth mindset, leading readers to financial security, success, and freedom. Nudge: The Final Edition  by Richard Thaler and Cass Sunstein Discover how "nudges" can positively influence your financial behavior and help you achieve your goals. Are you ever in need of a little push to start a project or take a leap of faith? "Nudge: The Final Edition" by Richard H. Thaler and Cass R. Sunstein explores using "nudges" to influence behavior positively. For example, many people need a nudge to save money for a goal. When speaking with my clients, I often hear that they require someone to guide them in the right direction or to offer helpful resources. The book is divided into three parts. The first part explains the science of choice architecture, which studies how the way choices are presented can influence people's decisions. The second part explores various types of nudges, and the third part provides examples of how nudges have been used in real-life scenarios. What I found most inspiring about the book is the author's emphasis on the importance of choice architecture. They argue that the way choices are presented can significantly impact people's decisions. Therefore, we should be mindful of this when deciding how to live happier, healthier, and more fulfilling lives. See my feature in Yahoo 10 Financial Books That Will Change Your Life (and Finances)   Predictably Irrational by Dan Ariely Explore the hidden forces behind your financial decisions with behavioral economist Dan Ariely. Dan Ariely's "Predictably Irrational" book delves into the underlying factors that influence our decision-making. As a behavioral economist, Ariely conducts various experiments and shares anecdotes to demonstrate how our behavior is often more irrational than we realize. One experiment involves going to a restaurant and ordering your meal last to see if you change your choice based on the daily specials or others' orders. Interestingly, my husband always orders last and changes his selection based on mine, demonstrating his predictable irrationality. Predictably Irrational Video Review I found the book inspiring because it offers insights into how to make better decisions. Ariely explains how understanding our biases can lead to more rational choices. He suggests simple tricks that can improve our decision-making, like using checklists and avoiding decisions when tired or emotional. Have you ever shopped excessively or overeat due to emotions? Identifying triggers can help you prevent these incidents and make better decisions. I highly recommend reading "Predictably Irrational" as it was an enlightening and motivating book for me. It gave me a better understanding of the subconscious influences that impact my decision-making process and equipped me with practical techniques to make more informed choices. If you want to improve your decision-making skills and learn about the brain's inner workings, this book is worth checking out. The Psychology of Money  by Morgan Housel Dive into the emotional side of money with Morgan Housel. Learn how emotions influence financial decisions through compelling stories and anecdotes. One of the things that I found most inspiring about the book is Housel's willingness to be honest about our financial weaknesses. He doesn't sugarcoat the fact that we are all susceptible to making irrational financial decisions, like purchasing Bitcoin or an unplanned vacation that wasn't in our budgets. However, he also shows us that we can learn to make better financial choices by understanding our emotions. Another inspiring aspect of the book is Housel's emphasis on the importance of delayed gratification. He argues that the best way to build wealth is to save and invest for the long term. Housel explains that saving money for the future can create happiness and emotional well-being. He also shows us how our emotions can sabotage our efforts to save and invest. Overall, the book is thought-provoking and engaging, with Housel doing an excellent job of explaining complex concepts in a way that is easy to understand. He also provides practical tips for overcoming emotional biases and making sound financial decisions. Housel's book inspires us to take control of our finances and make wise choices for our future. I hope you find these books helpful on your financial journey and that one of them inspires you to master your wealth.