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American novelist Mario Puzo says, “Friendship and money: oil and water.” He may not be correct 100% of the time, but he has a point. Mixing relationships and money can have disastrous consequences, ranging from never seeing your $20 again to burning relationships. And it goes both ways, whether you’re the one borrowing money or the one…
Navigating the complex world of credit can feel like a daunting task. Understanding how to increase your credit score is a crucial step towards taking control of your finances. A good credit score not only opens the door to better loan terms and interest rates, but also reflects your financial reliability to potential lenders, landlords,…
Have you noticed that most personal finance advice is written for people already in a financial mess? Take, for example, one of the most popular personal finance books of all time–Dave Ramsey’s The Total Money Makeover. That book has helped millions. But it’s written for those who have made poor financial decisions. But what about…
Combining finances with a spouse marks a significant milestone in any relationship, symbolizing a union of hearts and a melding of financial lives. While full of promise, this step brings complexity that demands careful consideration and planning. The decision to combine finances with your spouse can pave the way for a harmonious partnership, fostering transparency…
Have you tired of living paycheck-to-paycheck, dealing with that relentless feeling that no matter how hard you work, you never move ahead? Or, maybe you’re on maternity leave and dealing with a significant pay cut for a few months. Or maybe you’re dealing with a spouse’s job loss or have lost some of your freelance…
Emergencies seem to wait for the most inopportune time to strike. Even with $1,000 saved, you may have a tough time weathering a financial emergency that lasts longer than a month. But the 24% of Americans with zero dollars set aside are the most financially vulnerable. If you have little to no savings, now is…
Here at Dough Roller, we talk a lot about getting into the habit of spending less than you make. You may be looking at your budgeting and thinking, that’s impossible. But the fact is that even the savviest spenders can often find unexpected ways to save. And here’s the deal: this doesn’t have to hurt….
Anyone who has their finances in order will tell you it’s not a set-it-and-forget-it type of system. Situations are always changing and it’s important to always keep an eye on your budgets, your income, your spending, and your investments. This does not mean you have to hover over these things 24/7 but it does mean…
Buying a home is nerve-wracking, even in the best of times. Add in record-high interest rates and skyrocketing home prices, and it can seem almost impossible. But what really may be holding you back from buying your first home is not knowing just how much you should save for a home. While the 20% expected…