The Impact Factor™ Blog
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, in a recent study presented…
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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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This article was originally published at HiCharlie.com 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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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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Originally posted at hicharlie.com You’ve probably heard that eating healthy is more expensive than eating processed junk. (Whole Foods, Whole Paycheck, right?!) But is it really true? The answer may surprise you. No matter what, we’ve got some pointers to help both your nutrition and bank account stay on track. The Verdict According to a 2013…
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This article was originally published at HiCharlie.com As my friend Mel says, “Numbers are sexy.” We love talking about numbers, and tend to fixate on them — particularly when it comes to how much we earn. “I’m a six-figure freelance designer,” or, “If I take this job, I’ll earn $10,000 more.” We oftentimes measure our…
Read MoreEmployee burnout is a growing problem. According to a recent article in , more than half of all employers are keenly aware that factors like stress, absenteeism, and “presenteeism” (in which employees are physically but not mentally present in the workplace) decimate productivity and hinder the business from reaching its goals. Unfortunately, while employers know…
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How Financial Literacy Helps Your Business Both business leaders and workers benefit from strong financial literacy skills. Here’s how: Competition. In a recent study, nearly three in four adults said they could benefit from advice and answers to everyday financial questions from a professional. And only about half of adults give themselves a grade of…
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Study after study proves how little Americans understand about their money. Even if they know financial facts, such as how interest rates work, many people don’t actually understand what they should be doing with their money and how their current financial behavior affects their future. People are increasingly deepening their debt, making it impossible to…
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A high credit score is a component of good financial health. Your credit score is number between 350 and 850 that is determined by a secretive, mathematical formula created by Fair Isaac and Company aka FICO. There are five factors that impact credit, and while the actual formulas lenders use to determine loan worthiness are…
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