By: Elena Stewart at elenastewart.com For young women moving out on their own and living independently for the first time, managingpersonal finances can feel like a constant trade-off between stability and freedom. Rent shocks,uneven income, and the extra costs that often come with safety and self-protection are commonfinancial challenges for women, and they can turn a…
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By: Elena Stewart at elenastewart.com In today’s rapidly changing economic landscape, understanding and mastering the art of financial management has become more critical than ever. It’s not just about making more money but developing a deep, sustainable relationship with your finances. This Girl Investment Group article delves into practical strategies to help you nurture a…
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By: Elena Stewart at elenastewart.com In an era of financial unpredictability, cultivating a resilient money mindset becomes your safety net. It’s about reshaping how you view and interact with money, setting the stage for a future of financial stability and abundance. Presented by Girl Investment Group, here’s a guide for strategies that could help you…
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This post is authored by Elena Stewart from elenastewart.com
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Being house poor refers to a situation where a person or household devotes a significant portion of their income to housing expenses, leaving little room for other essential expenses or discretionary spending. In other words, they are financially burdened by the costs associated with owning or renting a home. When someone is house poor, a…
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Buying a primary home and buying an investment property are two different types of purchases with different goals and things to consider. Buying a primary home typically refers to purchasing a property for personal use, where you will live and make it your own space. The main goal is to find a comfortable and suitable…
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YOU! Yes, YOU need an emergency fund. A credit card is NOT an emergency fund FYI. Let’s take a dive into what an emergency fund is and why it is important. An emergency fund is a savings account that is set aside for unexpected expenses or financial emergencies. It is typically a separate account from…
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Is being in great health and building wealth correlated? Many people may think it does not matter to work on physical fitness while building wealth, but studies show that it is very beneficial. Besides a sexy body, you can experience a host of other benefits when improving your fitness level as you navigate through life.…
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I know, I know. Most of you know I am married. However, all of our homes have been purchased using only one of our incomes to keep costs low in case of inflation, job loss, illness, etc. Here are a few tips to buying a home on one income that can be useful to YOU!…
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The COVID-19 pandemic has blown open the doors to opportunity. This is an excellent time to launch or grow a business, as the evolving needs of consumers are creating new gaps in the market that both new and existing companies can fill. Of course, that doesn’t mean it is easy right now. Building a company…
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The title of this article may sound insane, but this idea has been gaining popularity in parts of the middle-class especially with the impact of COVID-19 and the concern of not having enough money saved later in life. When I cleared all of my debt in 2020, I decided to increase my savings rate to…
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Have you ever had someone say to you, “Oh, must be nice.” Maybe someone has called you “bougie” or “out of touch” now that you are either making more money, entered a new tax bracket, traveling more often, or participating in luxury activities. This is something that many people go through as they begin to…
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There are many grants available to help women business owners with their new start-ups. Local governments, as well as private foundations, offer many different grant programs. It’s important that you take the time to research these in order to find one that is right for your business and mission. Grants are available in many forms,…
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Some say that once you reach an income of $75,000, your level of happiness tends to stay the same from that point on. If a person makes $75,000, they will have the same level of happiness as someone that earns $250,000. Is this assumption actually true? The happiness threshold can be debated in multiple ways.…
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Before we jump into ETFs and index funds, I wanted to first highlight why investing is important. Investing is important when it comes to securing your financial future and reaching your financial goals. It ensures your money is constantly working for you to generate additional, passive income so that you have more time to do…
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Have you ever browsed the internet or went shopping at the mall and found the cutest designer handbag? You can afford it because you knocked out debt, saved, and are now working towards building up your investing portfolio. Yet, the price of the bag still makes you feel uneasy. We often hear commentary about how…
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Millennials (1981-1996) and Gen Z (1997-2012) are often mistaken for the other based on many similarities between both generations. Both of the generations are tech savvy, enjoy traveling, and are often underpaid in their 9-5 jobs. Many people in these generations feel that retiring is not even an option due to the increasing cost of…
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Once you have loads of money, what is next? It seems like everyone is in a rat race to the top but what happens when you have “made it”? You may have heard phrases like, “the grind never stops” or “I will sleep when I am dead” but is this kind of thinking effective or…
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The stock market is an awesome way to grow your money faster rather than only using a traditional savings account or money market account. We often see tons of people discussing stocks on social media and why everyone should be investing ASAP. You may have come across a post saying, “Y’all are missing out on…
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We Paid Off $90,000 in Consumer Debt
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Paying off your mortgage involves a few important steps that are often overlooked. Check out my checklist to ensure a smooth transition to being mortgage-free, whether you’re close to paying off your primary home or an investment property. 1. Ensure Sufficient Funds for Final Payment Before making your final mortgage payment, take time to review…
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By: Elena Stewart at elenastewart.com Pay inequality continues to challenge women in the workforce globally. As you progress in your career, recognizing your value and advocating for equitable pay is crucial. Developing a well-defined action plan empowers you to handle wage gaps directly, fostering both your financial growth and setting a precedent for change within your…
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What is umbrella insurance? Umbrella insurance provides you extra coverage beyond the limits of your typical primary insurance policies, like auto, homeowners, or renters insurance. It acts as a safety net, extending protection against lawsuits that might exceed your existing policy limits. You can find umbrella insurance options at most personal insurance companies. Here is…
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