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☆ Set yourself up to build wealth, save more and get out of debt in 3 simple steps: 'Starting is critical'
▼ + stars: | 2024-04-09 | by ( Kamaron Mcnair | In Kamaronmcnair | ) www.cnbc.com time to read: +3 min

Once you get acquainted with financial terms and skills, though, it can still feel daunting to begin your journey toward financial wellness. Aliche went through her own "financial shenanigans" before she charted her own path to financial wellness and wrote a book about it to help others. Whether you need to pay down a mountain of debt or just don't know where to start building wealth, here are the first three steps to take to begin your financial wellness journey, according to Aliche. Recognizing that you're not alone can help you feel more empowered to try and take the next steps in your journey. "Identify what you are actually struggling with so you can ask for specific help," Aliche says.

Persons: Tiffany Aliche, Aliche, doesn't Organizations: Global Citizen NOW Summit, CNBC Locations: Aliche

☆ 'A budget is a picture of what your money is doing,' The Budgetnista says. Here's where to start
▼ + stars: | 2024-03-03 | by ( Ana Teresa Solá | ) www.cnbc.com time to read: +2 min

Karan Kapoor | The Image Bank | Getty ImagesHaving a strong budget can help you build financial wellness. "A budget is a picture of what your money is doing," Tiffany Aliche, also known as The Budgetnista, told CNBC during a Women & Wealth livestream. You have to understand what your money is doing," said Aliche, a personal financial educator and author of "Get Good with Money." Make a list of expenses: The first thing to do is write a list of all the things you spend money on within a given month, said Aliche. It can also help to list out expenses you don't pay every month, such as annual memberships or quarterly taxes.

Persons: Karan Kapoor, Tiffany Aliche, Sophia Bera Daigle, who's Organizations: Bank, Getty, CNBC, Wealth, Gen, CNBC Financial Locations: Austin , Texas

During her workshops, she focused on finances and how to secure grant funding for their businesses. I spoke with her about how Black entrepreneurs can set themselves up for financial success in both business and personal finance. In 2023, we saw an increase in the number of grants available for Black entrepreneurs. Lastly, she said, "Create a grant funding budget. Books and podcasts for Black entrepreneursFinally, I asked Bobb what resources Black entrepreneurs should look to for more ideas.

Persons: Renee Bobb, —, Bobb, Rashad Bilal, Troy Millings, Brown, Mandi Woodruff, Tiffany Aliche, Dennis Kimbro, Daymond John Organizations: Service, Bunker Labs, Entrepreneurship, Music, Tennessee Titans, American Express, Black Chamber of Commerce, Business Development Agency Locations: Black

☆ It’s holiday season. That means layoffs for some
▼ + stars: | 2023-11-28 | by ( Jeanne Sahadi | ) edition.cnn.com time to read: +8 min

But they bring an extra bite when they are carried out during the holiday season. How does your employer’s severance policy compare? US employers are under no legal requirement to provide severance unless you are under a contract that provides for it. Check your employer’s severance policy: See if your employer has posted its severance policy on the company’s internal site. That’s a big jump from the average that employees pay today for workplace health coverage: 28% of the total cost for family coverage and 17% for single coverage.

Persons: Charles Schwab, “ We’ve, ”, Andrew Challenger, Challenger, Randstad, let’s, Tiffany Aliche, Aliche, “, Ann Minnium, You’re Organizations: New, New York CNN, Citigroup, Vice Media, Continental, Challenger, National Labor Relations Board Locations: New York

Single women face unique challenges when planning for retirement, so I asked an expert for help. Plus, women are often put in a caregiving role, which means time off from work — and not contributing regularly to retirement funds. So how can single women like me juggle with inflation, a higher cost of living, dwindling income, and the gender wage gap to be on track for retirement? I asked Marie Thomasson, a certified financial planner and founder of Modern Assets, an LA-based financial advisory firm for independent, progressive women, for tips on how single women can steer the course and make sure they're on track with their goals for retirement planning. Reassess your retirement accountsOnce you have your financial bases covered, you can venture into investing and retirement planning, says Thomasson.

Persons: Marie Thomasson, —, I've, Thomasson, hadn't, doesn't, aren't, Amanda Holden's, Simran Kaur's, Erin Lowry's, Tonya Rapley's, Tiffany, We're Organizations: Service, Modern Assets, Research, Pew Locations: LA, YOLO

Black students are far less likely to have access to high school personal finance classes. But high schools with a majority of Black students are less likely to have a guaranteed personal finance course in their high schools. The student debt gapBlack borrowers are disproportionately burdened by student loan debt. Student debt can be daunting, but there are scholarships out there for Black students. 4. Credit discriminationRedlining is a well-known form of credit discrimination , but the issue goes beyond mortgages.

Persons: —, Tiffany Aliche, Pell, Biden, There's, Homeownership, doesn't, Aliche Organizations: Service, Finance, The Institute, College, NPR, National Bureau of Economic Research, Housing, Federal Reserve, Civil, Equal, The Association of African American Financial Locations: Brookings, Zillow

☆ The Powerball jackpot is huge, but here are 3 better ways to increase your wealth
▼ + stars: | 2023-10-03 | by ( Jeanne Sahadi | ) edition.cnn.com time to read: +3 min

To be sure, here’s nothing wrong with fantasizing about winning the grand prize, or dropping $5 to $10 to buy lottery tickets or scratch-offs on occasion. In fact, Americans spent nearly $108 billion on lottery tickets last year, according to the North American Association of State and Provincial Lotteries. If that’s the case for you, why not spend most of your lottery money on experiences you know you like doing now. Make money off your lottery moneyOverall, your odds of winning a Powerball prize of any amount are 1 in 24.9, the lottery says. Think of it this way: Let’s say you spend $35 a week on lottery tickets ($1,820 a year).

Persons: you’d, ”, Tiffany Aliche, ” Aliche, — CNN’s Chris Isidore Organizations: New York CNN, North American Association of State, Provincial, TheBudgetnista.com, Richer Academy Locations: New York

☆ Powerball is fun, but here are 3 better ways to increase your wealth
▼ + stars: | 2023-07-19 | by ( Jeanne Sahadi | ) edition.cnn.com time to read: +3 min

New York CNN —There are zero things wrong with fantasizing about winning tonight’s billion-dollar Powerball jackpot drawing. And dropping $5 to $10 to buy lottery tickets or scratch-offs on occasion can be considered entertainment spending. Yet Americans spent nearly $108 billion on lottery tickets last year, according to the North American Association of State and Provincial Lotteries. If that’s the case for you, why not spend most of your lottery money on experiences you know you like doing now. Think of it this way: Let’s say you spend $35 a week on lottery tickets ($1,820 a year).

Persons: ”, Tiffany Aliche, ” Aliche, — CNN’s Chris Isidore Organizations: New, New York CNN, North American Association of State, Provincial, TheBudgetnista.com, Richer Academy Locations: New York

☆ Personal finance expert 'The Budgetnista' shares 2 common money mistakes holding people back from building wealth
▼ + stars: | 2023-05-09 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +5 min

She wound up in credit card debt and eventually lost her home to the bank. Between her own lived experiences and now having coached so many individuals, two money mistakes stand out as the most common — and detrimental to building wealth. The second common money mistake Aliche has observed over time is that, "people don't get started because they're overwhelmed. She's been there, she said: "I thought, there's no way I can pay off $35,000 in credit card debt. While it's important to learn from financial mistakes, try not to dwell on them, she added: "People are too hard on themselves.

☆ The 'Budgetnista' who lost her job and her home before building a 7-figure net worth shares 2 strategies anyone can use to start earning more money
▼ + stars: | 2023-05-03 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +5 min

Tiffany "The Budgetnista" Aliche lost her job and her home during the Great Recession. If you want to earn more money, start by evaluating your current job, she advised. You have to earn your way to wealth," said Aliche. If you work a 9-to-5 job, start there, encouraged Aliche. That's exactly what she did after she lost her teaching job and was looking for side hustles to help pay the bills.

☆ A US recession looks more and more unavoidable as key parts of the economy slow to a crawl
▼ + stars: | 2023-04-26 | by ( Phil Rosen | ) www.businessinsider.com time to read: +4 min

For many months now, I've been having conversations and writing about economic indicators that all point to a recession. The US is in the midst of a "freight recession," meaning there's fewer trucks delivering goods around the country. In a call last week, JB Hunt reported a bad earnings miss, and executives said a recovery for trucking looks uncertain. Outside the trucking sector, the classic recession indicators are blaring, too:The Conference Board's Leading Economic Index just dipped for the 12th consecutive month. The New York Fed's Recession Probabilities Model puts the odds of a downturn at 57%, the highest mark since 1982.

☆ A personal finance expert who teaches people how to get out of debt shares the 4 smartest steps she took to pay down $35,000 worth of credit card debt in 2.5 years
▼ + stars: | 2023-04-25 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +8 min

When Tiffany Aliche found herself in $35,000 worth of credit card debt, she took four initial steps. What's more, "I had $35,000 in credit card debt as a result of a scam," she said. "The credit card debt was significantly more expensive than any other debt that I had, which is true for most people," she noted. The average credit card interest rate was 20.40% in the fourth quarter of 2022. Here are the first four steps she took to tackle her credit card debt.

☆ 'Black wealth matters': How a millennial is helping his community build wealth through education
▼ + stars: | 2023-04-05 | by ( Kamaron Mcnair | ) www.cnbc.com time to read: +7 min

Learning the tricks of the tradeMac's wake-up call to start investing came early in his undergraduate career. "That was the one thing that opened my eyes and my curiosity and made me say, 'OK, I want to start investing.'" His interest in investing and wealth management eventually led him to a career on Wall Street. Making music as the "Wall Street Rapper," Mac began fusing the worlds he'd come to know so well: Black and urban hip-hop culture with Wall Street financial know-how. Mac adopted the slogan "Black wealth matters" to bring attention to the idea that economic empowerment is a major step toward equality for Black Americans.

An ATM installation at Art Basel Miami Beach is displaying and ranking people's bank balances. An ATM is typically used in conjunction with a checking account, which would mean people have tens of thousands — even millions — readily accessible. A checking account shouldn't hold all your moneyA checking account is only one part of a smart banking setup. One checking account is for bills, and the other is for spending via debit card. One savings account is for your emergency fund, and the second is for other goals.

Below is a compilation of great personal finance books authored by inspiring women. Other personal finance books by women we consideredThere are many personal finance books by women. While these weren't chosen as our top picks, you also might consider reading some of the following books:Frequently asked questionsWhy should I read personal finance books? Personal finance books can serve as a great resource for anyone interested in learning to use and manage money effectively. Other personal finance books may be ideal as a source of inspiration.

☆ Personal finance expert and 'Financial Grownups' podcast host Bobbi Rebell shares her top personal finance books for money security and preparing for retirement
▼ + stars: | 2022-09-24 | by ( Jennifer Streaks | ) www.businessinsider.com time to read: +6 min

Rebell, who has previously worked in various reporter roles, specializes in personal finance topics. "I was always fascinated with money — but from a personal finance perspective — so I took the leap to get into financial journalism," Rebell tells Insider. "I found that all of the financial news coverage focused on the economy and the stock market, but I knew there was a place for personal finance," Rebell says. "I was offered the opportunity to write a personal finance column and it really resonated with readers." Here are her four favorite personal finance books that will help you become a smarter investor.

Netflix's new documentary "Get Smart With Money" features Ariana, a mom of 2 with $45,000 in credit card debt. One mentee, Ariana, is a mom of two who has $45,000 in credit card debt and over $100,000 in student loans. After 9 months, her credit card balances were down to $16,000Using the automatic paycheck split to separate her money, Ariana was able to pay off $19,000 in credit card debt, with $26,000 left to go. "Credit card debt is cancerous," warns Aliche, as she encourages Ariana to wean herself off of them completely and only spend from her debit card. After a year, Ariana had just $5,000 in credit card debt leftAt the one-year mark, according to the documentary, Ariana only had $5,000 in credit card debt left.

Insider's experts choose the best products and services to help make smart decisions with your money (here’s how). "Get Smart with Money" is a new money-focused documentary on Netflix. Aside from being a good watch, "Get Smart with Money" shares six smart lessons anyone can use to improve their finances. Earning more can mean spending more"Get Smart with Money" follows John and Kim, a married couple with two children. The couple set their sights on early retirement, and with the help of Mr. Money Mustache, cut $3,000 per month in expenses.

A 740 credit score is just as good as an 850If you're building or re-building your credit score, getting to a perfect 850 score can sound overwhelming. "Your sights should be set on 740-plus, often referred to as the start of a perfect credit score," Aliche writes. "If you are over 740, you can get near or the same interest rate as anyone with a perfect 850 credit score," Aliche writes. A very good credit score can also bring lower insurance rates, and better chances of being approved for a certain credit card. If you find a mistake on your credit report, disputing the error could help you raise your credit score.

Insider's experts choose the best products and services to help make smart decisions with your money (here’s how). These are the best personal finance books by women for 2021:If you're lounging around and looking for a good read that can help you get your personal finances in order, we have a list of goodies for you to consider. Below is a compilation of great personal finance books authored by inspiring women. Whatever your income level, this book can help you understand how to stay on track when it comes to your personal finances. It's an effort to prove that personal finance should be simple by fitting the things you need to know about managing money on a few index cards.

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