The Impact Factor™ Blog

Eating Healthy: Less Expensive Than You Think?

By Holly | June 13, 2019

Originally posted at 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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5 Numbers More Important Than Your Income

By Holly | June 7, 2019

This article was originally published at 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…

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Boost Employee Productivity by Offering Financial Education: The Connection Between Mental Health & Financial Literacy

By Holly | June 1, 2019

Employee 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

By Holly | May 27, 2019

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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Why Financial Literacy Should Be On Every Employer’s Mind: Top Benefits of Workplace Financial Wellness Programs

By Holly | May 22, 2019

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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How to Increase Your Credit Score by Maximizing the 5 Factors that Impact Credit

By Holly | May 21, 2019
Increase Your Credit Score

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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8 Reasons to Offer Workplace Financial Wellness to Employees

By Holly | May 17, 2019

It’s important that businesses seriously consider the overall wellness of their employees. In addition to physical health, the best employers are supporting their workforce with their financial health as well, with workplace financial wellness programs.  According to a 2018 Employee Financial Wellness Survey, many workers are concerned about their economic well-being: –       Over 50% of…

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Why You Need Visual Goals For Your Finances

By Holly | May 10, 2019
visual goals for finances

“This article was originally published at” Let’s talk money goals. What are yours? If you have a big, audacious financial goal, it can seem really overwhelming — maybe you’re wondering how you can keep yourself motivated, or how to tackle the goal in the first place. What if there’s a fun way to do it…

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10 Most Common Events That Can Disrupt Your Financial Plan & Why Just in Time Financial Planning Can Help

By Holly | May 1, 2019

What is just in time financial planning? If you are facing a financial decision it could be the solution you need. It can be hard to know what kind of financial advice you’re going to need until you need it. Have you ever been faced with a financial decision and didn’t know what to do?…

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The Difference Between Business and Personal Credit

By Holly | April 30, 2019

If you are starting or building a business, then you know there are times when you need money. You need money to grow, pay yourself, and get more clients. Money pays for marketing, more employees, new projects, needed equipment, and more. Where does this money come from? In the absence of startup capital, positive cash…

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