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Support Women & BIPOC-Owned Businesses with This Holiday Gift Guide

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Support Women & BIPOC-Owned Businesses with This Holiday Gift Guide

Each year we showcase incredible BIPOC and women-owned businesses to support while doing your holiday shopping (and all year round). Why? Because what we buy matters! How we spend money is a way to vote for more of what we want to see in the world.

Plus, the pandemic, inflation and supply-chain issues have made the last few years really challenging for small businesses. Our support can make a big difference. We’ve compiled a list of your (and our) favorite brands. Thank you for sending in all of your new favorites this year. This list just gets better and better. And we plan to continue to add to it!

The Not-So-Obvious Ways to Use Our Credit Cards Responsibly

The Not-So-Obvious Ways to Use Our Credit Cards Responsibly

Credit cards can make our spending feel really murky. It’s hard to know if we’re spending more than we have because we don’t feel the pain of spending more (or the reward of spending less) until it’s time to make our credit card payment at the end of a cycle. This can make it hard to pay off our credit card each month, and it can also make us feel really guilty in our everyday spending since we’re not quite sure whether or not we can afford the things we’re purchasing. How can we make sure we’re using our credit cards in the most responsible way?

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How to Have a Money Party

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How to Have a Money Party

We don’t typically associate money with parties but I’m telling you, it’s a worthwhile association to make. 

One of the reasons we don’t make the progress we want in our financial lives is because our financial to-do list continues to get put on the back burner. We have busy lives so when we don’t create the time for something (like dealing with our finances), the calendar fills up and we continue to not have time. It’s a vicious cycle. 

7 Money Tips Every Freelancer Needs to Know

7 Money Tips Every Freelancer Needs to Know

Dealing with our finances is hard enough when we have a steady W-2 salary. When you add the complexities of variable income and managing business expenses, it becomes even more difficult. 

More and more of us are going to experience working as a freelancer at some point in our careers. It’s predicted that freelancers are going to be the workforce majority within the next decade. 

The good news is that there are some very doable - yet extremely impactful - things you can do to set yourself up for financial success as a freelancer or entrepreneur.  

5 Things You Need to Know About Your 401-K or IRA

5 Things You Need to Know About Your 401-K or IRA

We know it’s important to invest in our retirement and we know it’s important to start early so that compound interest can work its magic. Unfortunately, that’s not enough to feel confident in the choices we are making about our 401-K or IRA.

Choosing investments, deciding how much to contribute and all the jargon in between can be enough to have us avoid doing anything at all. Luckily, just like with many things in our financial lives, it’s so much more important to get started than to do it perfectly and it can be a whole lot more simple than you might think. Here are five things everyone should know about their 401-K or IRA.

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Love and Money Etiquette

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Love and Money Etiquette

Dating and money etiquette, financial red and green flags, and more.

Dating and early relationships can be stressful. Then add in money and it gets even more complicated.

Not only is dating expensive (hello inflation!), it can also be confusing. I always had questions like… Who should pay? Do we split? When should we talk about money? How do we split expenses? Is that a financial red flag? What are my financial green flags?

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Why You Need a Dream Team 

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Why You Need a Dream Team 

For many of us, money is a taboo topic that we don’t even talk about with our closest friends and family. This might not seem like a big deal, but it has some major repercussions. One is that it makes it a lot more difficult to reach our goals.

When the people who love us the most don’t know about our goals, they can’t support us. They might even unknowingly sabotage us!

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Fiscal Femme Anonymous Money Survey 2022 - Part #2

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Fiscal Femme Anonymous Money Survey 2022 - Part #2

And we’re back with part #2 of the results from the Fiscal Femme Anonymous Money Survey. If you missed it, here’s part #1. This time we’re talking about your systems and accounts.

While many of you shared your favorite apps (I’ll give you a rundown below), a great deal of you were also looking for recommendations. Stay tuned!

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How and Why to Shop Secondhand

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How and Why to Shop Secondhand

Secondhand Shopping 101: How I Saved $4,500 Buying Secondhand Furniture

Shopping secondhand can be a tremendous win-win and way to align our spending with our values. We save money because buying secondhand is often much cheaper, it’s better for the planet, and we’re not supporting companies and industries that exploit women. For some, the process can also be really exciting when you search and find something great.

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Our Favorite Free $ Resources 

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Our Favorite Free $ Resources 

Over the past nine years (the Fiscal Femme had it’s 9th birthday on March 2nd!), I’ve been creating resources to help you succeed in your financial life and reach your goals. And we provide many of them for free.

Here’s a roundup of my favorite free resources. Whether you are new to the Fiscal Femme or you just missed a few of these golden nuggets, I’ve compiled them for you here in one place.