Educate & Motivate

Strategies, teachings, and tips & tricks for anyone to reference as you’re clambering along this crazy thing we call “adulthood.”

Heather Mroczenski Heather Mroczenski

How to Negotiate a Pay Raise

Negotiating a pay raise can be intimidating. But here’s the thing: if you don’t advocate for yourself, who will?

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Heather Mroczenski Heather Mroczenski

When My Salary Ruined a Friendship

Money is one of those topics that can make or break relationships, whether it’s with family, friends, or even romantic partners. I’ve always known this, but I didn’t fully grasp the impact until a personal experience opened my eyes.

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Heather Mroczenski Heather Mroczenski

Effects of the Presidency on Your Money

Raise your hand if you’ve seen your aunts and grandmas blame the economy on their least favorite president. Are they right? Is he to blame? Let’s dive in and figure it out…

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Heather Mroczenski Heather Mroczenski

Debt Snowballs and Behavioral Momentum

The Debt Snowball is a common strategy in reducing debt.. but did you know it’s a concept backed by Behavior Analysis? Let’s look at how to use behavior momentum to pay down debt faster!

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Heather Mroczenski Heather Mroczenski

Using Balance Transfers to Pay off Debt

Struggling with high-interest credit card debt? Discover how balance transfers can provide a 0% APR window to help you pay down your balance more efficiently, while avoiding common pitfalls.

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Heather Mroczenski Heather Mroczenski

Why You Should Stay on Top of Your Credit

Credit Scores… what are they? Why do we need them? Why do we need to stay on top of them? A credit score is like the adult’s version of the report card that never ends. Let’s look at what that means.

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Heather Mroczenski Heather Mroczenski

How to do #FinLit When your Time Horizon is Short

Financial literacy is easy when you’re 20 or 30. It’s a little tougher when you’re 50+. Let’s look at some sound financial wisdom for those who are slightly closer to retirement age than they want to be.

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Heather Stevens Heather Stevens

Private Equity and ABA

Private Equity has been dominating the field of Applied Behavior Analysis in recent years. What exactly is Private Equity? Why are people so against it? Let’s talk about it.

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Heather Mroczenski Heather Mroczenski

Divorced: A (financial) Tell-All

My divorce was simultaneously the hardest and best thing I’ve ever been through. Read this for details I’ve never shared …

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Heather Mroczenski Heather Mroczenski

Crucial Conversations Before Marriage

It can be scary to share credit scores, debt balances, and spending habits with your significant other… but that 50% stat is scarier. Talk about your money habits before you tie the knot and give yourself a better chance at beating the marital odds.

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Heather Mroczenski Heather Mroczenski

What is ABA?

Applied behavior analysis (ABA) is widely considered to be a gold-standard, evidence-based intervention for Autism that can improve functional status, behavior, and communication. But what does ABA have to do with Personal Finance?

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Heather Mroczenski Heather Mroczenski

Wedding Planning on a Budget

Wedding’s don’t have to put you in debt til you’re 60. Here are some budget-friendly wedding planning tips that just require a little bit of planning and creativity.

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Heather Mroczenski Heather Mroczenski

Investing for Beginners

Want to start investing but no idea where to start? Look no further! Here are some of the best easy-access tips I’ve heard for the beginner investor.

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Heather Mroczenski Heather Mroczenski

Happy New Year!

Happy New Year! Having trouble coming up with resolutions? Here are some financial goals to aim for in 2024.

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Heather Mroczenski Heather Mroczenski

Buy Now Pay Later - To Use or Not to Use

Buy Now Pay Later has taken the 21st century by storm. With it, you can buy to your heart’s desire without suffering the consequences… today anyway.

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Start your journey

Ready to tackle your finances and finally get rid of that pit in your stomach that comes up anytime money is mentioned?