Your Guide to Financial Freedom.

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

www.WalletWise.org DO interest rates matter to you? You bet they do. In the world of numbers something stands out about the number 72. It is divisible by 1,2,3,4,6,8,9,12,18,24,36, and itself 72, or 12 different factors. Those factors contain 4 perfect squares. So, 72 is a spicy little number! The interesting thing about 72 is that this number can be used to estimate compound interest. Take the interest of your average home loan of 4% and divide into 72. 72 ÷ 4 =18. This mean