The Financially Free Blog

Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

6 Low-Cost Date Ideas (For Couples or Friends!)

Dates are supposed to help people connect through fun and conversation. Whether you’ve just started dating, have been married for years, or just want to have fun with a friend, many go-to date ideas like dinner and a movie or drinks at a bar get expensive. If you’re looking to up your fun factor without blowing your budget, try these low-cost date ideas.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

How to Talk to Your Partner About Money

Talking about finances with your partner can lead to conflict or it can bring you closer together. No matter how long you’ve been together, it’s never too late to change the conversations you’re having about money (or even to start them!). Here are five tips for how to approach it.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

3 Signs You Should Save Less for Retirement

“Save for retirement” is one of the most common pieces of financial advice. And generally, it’s good advice; the sooner you start saving, the longer that money can grow for you. But it’s not always the best advice for every situation. Depending on your circumstances, you may be better off reducing your retirement contributions or pausing entirely for some time.

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The Financial Gym Team The Financial Gym Team

How to advocate for what you're worth

Have you ever felt like you’re not getting paid enough? Or have you heard murmurings that others are making more than you for the same job? You know it’s not a good feeling. You’ve probably heard the phrase “Ask for what you’re worth!” You know you should do it...but how? Don’t worry, we’re breaking down how to advocate for what you’re worth.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

How to Set Better Financial Goals

The second Friday in January is “Quitter’s Day”—the day you’re most likely to give up on your New Year's resolutions. Part of the reason that people give up on their goals and resolutions is that they don’t set good ones. They are too vague, poorly thought out, or influenced by others. Here are the steps to set good financial goals that are more likely to stick and set yourself up to follow through.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

4 Steps to Recover from Holiday Spending

If you racked up credit card debt over the holidays, you’re not alone: about one-third of U.S. adults take on debt each year to pay for holiday expenses. The start of the New Year is a great time to tackle that debt and prepare better for next year so you don’t end up in the same position. Here are the steps to take.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

5 Actions To Take Now To Achieve Your Financial Goals

The start of the new year is the most popular time to set new intentions, goals, and resolutions. Sticking with a change is another story: only 7% of people keep up with their resolutions for 12 months or more. Part of the challenge with keeping resolutions is that many people rely on their willpower. However, taking a one-time action can help you change your behavior and achieve your financial goals—no willpower required.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

Our Favorite Frugal Holiday Traditions

Traditions are one of the most enjoyable parts of the holiday season. They give us something to look forward to and make us feel more connected to the family and friends who share the tradition with us. While so much else about the holiday season feels like a drain on our wallets, traditions can spread a lot of joy without costing much.

Here are some of our favorites!

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

4 Financial Moves To Make Before the End of The Year

For better or worse, much of our financial lives run on auto-pilot. The end of the year is a natural catalyst that can prompt you to reassess aspects of your finances that might otherwise remain on the back burner. To start preparing for the best 2024, make these financial moves before the ball drops.

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Business/Self-Employed Kylie Lipinski, A Certified Financial Trainer Business/Self-Employed Kylie Lipinski, A Certified Financial Trainer

7 Holiday Side Hustles To Make Extra Cash This Season

Between gifts, food, hosting, and decorating, a lot of money is changing hands during the holiday season. You can make that work to your advantage by offering a product or service that people are willing to pay for to ease their holiday stress. Here are seven holiday side hustles that can put cash in your pocket quickly.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

5 Ways to Avoid a Holiday Spending Hangover

The holidays are the most wonderful time of the year, but for many, the pain of a New Year’s Eve hangover is nothing compared to the credit card hangover they feel when their December credit card bill arrives. Here are five tips to get maximum enjoyment out of the holidays without the unfortunate aftermath.

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Sam Cash, A Certified Financial Trainer Sam Cash, A Certified Financial Trainer

How to Spend Less on Dining Out

Many clients say they would like to spend less on dining out. This simple goal can be more complicated than it seems and it’s worth it to first look at your dining habits and then assess if they are aligned with your values.

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Genar Mendez, A Certified Financial Trainer Genar Mendez, A Certified Financial Trainer

Gratitude: A Recipe For Abundance

With Thanksgiving right around the corner, it’s the perfect time to explore how you can use gratitude and the power of your mind to transform your financial reality and bring more abundance into your life.

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Shannon McLay, Founder and CEO Shannon McLay, Founder and CEO

Message from the CEO - We're Ready to Bloom!

Ten years ago, I had a crazy idea to create a company focused exclusively on working with a population of people that I knew the financial services industry was not serving properly. When I was a financial advisor at Merrill Lynch, I was instructed to not even meet with a prospective client unless I knew for certain that they had over $250,000 in investable assets, otherwise they wouldn’t even count as a new client. This advice never sat well with me, especially as I met people who were looking for guidance and didn’t want to have to figure it out on their own.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

5 Tips to Get the Most Out of Black Friday Shopping on a Budget

Black Friday and Cyber Monday are still the most popular times of year to shop. Whether you’re buying for others or just for yourself, the lure of a great deal is hard to resist. While there is nothing wrong with snagging some buys at a discount, those purchases can easily add up to more than you were expecting. Here are some tips to make the most out of the deals without getting carried away.

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Kylie Lipinski Kylie Lipinski

4 Ways to Afford Last-Minute Holiday Travel

The holidays are the busiest—and often most expensive—time of year to travel. The top tip for scoring affordable holiday travel is to book it early, but if you’ve missed that boat, you’re not completely out of luck. Here are four tips to make it home for the holidays, even if you’re on a budget.

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Savings, High Yield Savings Kylie Lipinski, A Certified Financial Trainer Savings, High Yield Savings Kylie Lipinski, A Certified Financial Trainer

Where Should I Keep My Money?

Putting your money to work for you is a common financial goal. We get it—you work hard for your money so it’s only fair that your money works hard for you too! But optimizing your finances doesn’t always mean shooting for the highest return on every dollar. In fact, that’s a good way to destabilize your finances because a higher potential reward also means higher risk. Instead, think about what level of return is reasonable for the purpose of your money. 

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

5 Tips for Confidently Giving to Causes You Care About

Whenever people are suffering, it’s natural to want to help. Donating money is one of the most popular and effective ways to provide assistance, especially for a cause that’s not geographically close to home. But the opportunity to help also comes with challenges including analysis paralysis, scammers, and budget constraints. Here are five tips to confidently give to causes you care about.

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Retirement Kylie Lipinski, A Certified Financial Trainer Retirement Kylie Lipinski, A Certified Financial Trainer

What is an Employer Match? And How to Get The Most Out of It

We all love free money. And while an employer match on your 401(k) isn’t exactly free money—it’s actually compensation for your hard work—it sometimes feels that way. To make sure that you are getting the most out of your employer match, you do need to know a thing or two about it.

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Kylie Lipinski, A Certified Financial Trainer Kylie Lipinski, A Certified Financial Trainer

What Should I Do If I Can't Afford My Student Loan Payments?

This month, millions of borrowers are making their first federal student loan payment in three and a half years. During this time, you may have moved, bought a house, purchased a car, had kids, adopted a pet, paid off debt, taken on new debt, lost a job, and gotten a new job. Even without any of these big changes in your life, your financial landscape probably looks a lot different than it did in March 2020. If you find that your student loan payment is stretching your budget, it’s time to consider other options.

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