The Impact Factor™ Blog

5 Money Tips for the Times of COVID-19

By Holly | March 18, 2020

How to Reduce the Impact of Coronavirus on Your Personal Finances We are living in unprecedented times. Coronavirus has no doubt changed the history of the world as we knew it. As we are hunkering down in our homes for the foreseeable future, many are wondering how the global pandemic will impact their life. From…

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How to Prepare Financially for a Disability

By Holly | December 6, 2019

Written by Ed Carter Financial planning is crucial for people who are living with disabilities, but what, exactly, should you be planning for? That’s a question many people, regardless of whether they live with disabilities, struggle to answer. Sure, it helps to come up with a financial plan for common goals, such as buying a…

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7 Steps to Raise Your Consciousness of Money and Create Wealth

By Holly | September 27, 2019

This blog post is part of the 4th Annual Suicide Prevention Awareness Month blog tour. If you are feeling suicidal, please call the National Suicide Prevention Lifeline at 1-800-273-8255 or text HOME to 741741.OME to 741741 September is National Suicide Prevention Awareness Month. I’ve been impacted by suicide personally twice, and I’ve found it’s a…

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Cultivate an Abundant Money Mindset

By Holly | September 17, 2019
abundant money mindset

Sometimes, building wealth has more to do with mindset than it does strategy. Building wealth is less about the strategy and more about action. Here are three steps you can start to work on now: Have you identified your Impact Factor? Your Impact Factor is the money you have left over after you pay your…

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The Order of Importance of the Pillars of Financial Independence

By Holly | September 3, 2019

If you didn’t get a financial education class in school, and didn’t grow up talking about money, there’s a good chance you’re bouncing around a million personal finance questions in your head every day. Because a confused mind says “no,” chances are, they remain unanswered. As a result, you don’t do anything with your money…

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6 Ways to Save Money After Graduation When You Don’t Yet Have a Job

By Holly | July 19, 2019

After graduation, there are a series of emotions you may have: The first is one of exhilaration — you don’t have to go back to school! Yay! Then a feeling of confusion sets in while you adjust to living without academic responsibilities for a long time. Following that, concern generally sets in when you realize…

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The Best Personal Finance Tools to Create, Grow, and Keep More Money

By Holly | July 10, 2019

The best personal finance tools are those that make it easy to bank, save, get cash back, track spending, and manage your money. When it comes to your money there are many things to think about. So many in fact, that most people don’t think about it, ever. More importantly, 70% of Americans live paycheck…

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How to Budget In The Real World

By Holly | July 9, 2019

If you are struggling with money, the best place to start is with a budget. For many, the word “budget” sounds restrictive, but I’m here to tell you there is freedom in a budget! When you know how much you can spend on food, entertainment, and personal items each month, you will have peace of…

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How to Have Fun (Not) Traveling this Summer

By Holly | June 26, 2019

This article was originally published at and was written by Jackie Lam. Confession: Traveling during the busy summer season just isn’t for me. In our modern age filled with digital nomads and travel hacking devotees, it’s almost a sin not to be daydreaming about the next summer vacay. But in my humble opinion, summer travel…

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How I Reached Financial Independence and You Can Too

By Holly | June 22, 2019

You Want More If you’re dreaming of a life where you can go on vacation and still make money, you’re not alone. That was my primary driver 12 years ago when I woke up one Saturday morning and did not want to go to work. As I thought-forward what would happen if I didn’t, I…

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