Your Guide to Financial Freedom.

We may be looking at the democratization of banking and Investing! I have written about predatory lenders, especially pay day loans that average about 400% interest and set up vulnerable people to enter a negative debt cycle. Fortunately, a few tech savvy individuals and corporations created alternatives that a worth looking into by the under and unbanked population. A friend of mine, a manager of a Walmart store, told me that Walmart created or works with a subsidiary called

Gifts At the risk of sounding like the Grinch, according to the National Retail Federation and a Gallup Poll in 2018, Americans spent $885 on Christmas gifts. Here is another great budget buster. Put this item in your budget and stick to it. Your children will not love you any more if you buy them stuff! They’ll just expect more stuff! America spends over $40 billion dollars on games and toys. That is more than many of those same Americans saved and invested! I spoke to a cle