When creating a budget, it’s critical to think of needs vs wants. Needs are things that are necessary for survival — think food and shelter. Wants are things you decide to buy, but don’t actually need — think subscription services and new clothes. Here’s a helpful guide for understanding the difference between needs and wants.
Tax identity theft is when someone uses your Social Security number to steal your tax refund or for work. People often discover tax identity theft when they file their tax returns.
If you’re like most people, the amount of financial documents piling up in your home is nothing short of Mt. Everest. Don’t freak out. While you do need to keep some of these documents, you probably don’t need all of them.
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