What’s a Cash-out Refi and Why Do It?

July 13, 2018

If you’re a homeowner who’s experienced a significant increase in equity (thanks, crazy real estate market!) or has made some strides in paying off your mortgage, you might consider cash-out refinancing to help meet some of your other goals. A cash-out “refi” lets you refinance your mortgage for more than your existing mortgage, and then … Continued

Where to stash your extra cash

May 24, 2018

  Where to stash your extra cash It’s a dream scenario: You wake up one day, and a windfall enters your life. That tax refund lands,  an inheritance shows up at your doorstep … or maybe you’ve finally scored that promotion you’ve been working for — or have found a nice side hustle that will … Continued

Credit card offers with 0% APR: What’s it really mean?

March 1, 2018

I bet you see 0% credit card offers frequently. They come in our mail, email, and sometimes when we buy a pair of $4.00 socks at a retail store. Do you find yourself contemplating whether or not to open one or take advantage of it on a card you already have? I know I do, … Continued

Financial Planning on a Tight Budget

February 8, 2018

Just because you are on a “tight budget” doesn’t mean that you cannot have a financial plan to reach your goals. Begin with looking at your own spending each day, week or month. Having a tight budget might be because you have high fixed expenses. Or, it might indicate overspending. When was the last time … Continued

Beyond Resolutions: What’s your Theme for 2018?

January 6, 2018

One year ago I was thoughtful about setting goals and making resolutions for the New Year. But it surprised me, pleasantly, that I ended up with three themes. I used post-it notes and a dry erase board for daily reminders of these themes. It changed my thinking and brought me to a place of living … Continued

A Thirty-second Thirty-something Guide to Financial Planning

December 11, 2017

If you are a typical young professional in your mid-30s you probably have a good idea where your career is headed, you are saving the maximum in your employer retirement plan, and you have at least one or two retirement accounts from previous employment. In short you have made some good financial decisions. However, you … Continued

Is your cash flow flowing?

October 8, 2017

Seventy-eight percent of full time workers say they live paycheck-to-paycheck. One of the biggest concerns I hear expressed by my clients is the fear of running out of money between paychecks. No matter your income level, this cash flow squeeze is also often the cause of rising credit card debt or falling behind on utility … Continued

Your Finances in Divorce

September 18, 2017

If you are contemplating divorce, it is important to understand the process. Separating is stressful, but this can be minimized if you know what’s coming. There are professionals who can help guide you, ease the process, and protect your interests. The most important thing to know is that you are not alone. In my work … Continued

Preparing for your baby: A few financial tips

July 9, 2017

You finally feel like you’ve gotten ahead: You earn a steady income, have paid down a majority of your student loan debt, and enjoy being a first time homeowner. Now comes one of the biggest decisions you’ll ever make: having a baby. Raising a child is one of life’s biggest adventures. As with most things, … Continued

First time homebuyers: Why a down payment of 20% is a good idea.

May 9, 2017

There are several programs out there that allow first time homebuyers to buy their home with as little as three to five percent down. It isn’t just cities like Boston or San Francisco where buying a home can seem out of reach. Home prices all across the country are climbing much faster than salary increases, … Continued