The Cost of Waiting

Have you started saving for retirement? Do you think you’ll be fine if you start tomorrow? Maybe you’re satisfied with waiting until next year, or you think you can push this off for a few more years.You have plenty of time to worry about this later – right? No. Not really. You might want to think again and ensure you understand the cost of waiting....more

How to Tackle Your Debt: The Debt Snowball vs. the Debt Avalanche

When you’ve racked up debt across multiple loans, being debt-free seems like a distant dream. But it’s possible! The first step is to create a repayment plan that will work for you....more
I'm a fan of both methods. I think it definitely depends on each person's financial situation, ...more

Your Credit Score: The Good, the Bad and the Facts

 I’ve said it before and I’ll probably say it again –your credit score is one of the most important numbers in your life. This three-digit number essentially acts as your financial report card, except there’s no leaving it behind after graduation. Your credit score is used to represent your creditworthiness, which translates into the likelihood that you’ll pay your debts in a timely manner....more

Planning Essentials for New and Expecting Parents

The decision to start a family is one of the biggest and most important choices you’ll ever make. It’s usually accompanied by joy, stress, excitement, and an array of questions surrounding your physical and financial house. As new parents, not only will you be faced with a list of items and products to purchase and compare, but you’ll also need to ensure you have a plan in place that addresses your spending, your estate, and your insurance coverage to ensure that your new family is taken care of....more

Are You Winning Financially?

It’s no secret that our household income took a hit in the past 6 months. I’ve shared that as I launched Workable Wealth, I transitioned out of my full-time job as Director of Financial Planning with a local San Diego wealth management firm to part-time through the end of 2013 and now, I am contracting in on an as needed basis....more

7 Ways to Spend Less in 2014

2013 is coming to a close and many of us are finding ourselves looking for ways to reduce spending in the New Year. Aside from some of the typical brown bag your lunches and skip the lattes advice (which is also great by the way), below are some big picture considerations and steps to take to keep more money in your pocket for 2014:...more
Great post...I do home care and my client are low in come and brought up these little facts you ...more

Is Your Money Organized?

This post will give you the steps you need to take to get financially organized for 2014. Many people just aren’t sure where to start with their finances. Here you’ll find you items to consider in some of the main financial planning categories and actionable strategies for you to take and go through on your own. So stop stressing about your money and start writing down your goals and checking in on your financial status.GOALS:...more

5 Rent vs. Own Considerations for Gen Y


7 Money Decisions to Make Now that You’re Married

Although it’s ideal to have money conversations with your partner prior to walking down the aisle, things don’t always happen the way they should. Whether you’re engaged, newlywed or years into a blissful marriage, below are 7 Money Decisions you and your partner need to make to set yourselves up for financial success:1.     Will we keep separate bank accounts or combine?...more