Finance Plain and Simple

General Information, Saving and Investing

When Saving Money Can Cost You

September 23, 2020September 26, 2020Gina Fernandez-Ross

I am sure it won’t be a surprise to hear that I tend to be a bit conservative when it comes to spending money. If you have read any of…Continue readingWhen Saving Money Can Cost You

Credit, General Information

Do It Yourself Credit Card Fraud Detection

September 16, 2020September 22, 2020Gina Fernandez-Ross

It Pays to Be Obsessive About Your Finances One lesson I have learned over the years that has served me well on multiple occasions is that you really cannot be…Continue readingDo It Yourself Credit Card Fraud Detection

General Information, Introduction, Saving and Investing

Introduction To Investing

September 16, 2020September 16, 2020Gina Fernandez-Ross

What is Investing? Investing is, simply put, storing your money in a place that will help it grow. There are many different options when it comes to investing, from the…Continue readingIntroduction To Investing

Saving and Investing

Best Ways To Make Your Money Grow

September 16, 2020September 22, 2020Gina Fernandez-Ross

Disclaimer First, I have to say that I am not a licensed Financial Advisor, and as such, I will not tell you specifically what you should invest in. I will…Continue readingBest Ways To Make Your Money Grow

Debt Management, General Information, Introduction

Introduction to Debt

September 15, 2020September 16, 2020Gina Fernandez-Ross

Debt: A Four Letter Word If you are like me, you probably cringe when you hear the word debt. It feels heavy. It is a burden. Many of us are…Continue readingIntroduction to Debt

Debt Management

What’s The Best Way to Pay Off Student Loans?

September 15, 2020September 16, 2020Gina Fernandez-Ross

Big dreams, big debt Many people who go to college do so with the help of student loans. I was one of those kids who couldn’t quite decide what…Continue readingWhat’s The Best Way to Pay Off Student Loans?

Credit, General Information, Introduction

Introduction to Credit

September 15, 2020September 16, 2020Gina Fernandez-Ross

What is Credit? Credit is a measure of how trustworthy you are with your money. It shows a record over time of how well you meet your financial obligations. This…Continue readingIntroduction to Credit

Credit

Easy Ways to Build Credit

September 15, 2020September 22, 2020Gina Fernandez-Ross

What is Credit? Credit, and the credit score that goes with it, is a measure of how well you meet your financial obligations. You gain credit by having things…Continue readingEasy Ways to Build Credit

Budget

Personal Budget Tips

September 15, 2020September 16, 2020Gina Fernandez-Ross

Budget isn’t a Bad Word Does the word budget make you cringe? Maybe it brings up feelings of constraint, or even memories of past failures. Have you tried to set…Continue readingPersonal Budget Tips

General Information, Introduction

Just Starting Out: All About Checking and Savings Accounts

September 15, 2020September 16, 2020Gina Fernandez-Ross

Savings Accounts Are Not All the Same One of the first steps I took on my financial journey, just after getting my first job, was to open a savings account.…Continue readingJust Starting Out: All About Checking and Savings Accounts

Debt Management

Good Debt, Bad Debt

September 15, 2020September 16, 2020Gina Fernandez-Ross

Good Debt vs Bad Debt You may be surprised to find that not all debt is the same. Whether debt is a good or bad thing can depend on the…Continue readingGood Debt, Bad Debt

General Information

What Does Being Wealthy Mean to You?

September 7, 2020September 13, 2020Gina Fernandez-Ross

I have been thinking about what it means to be wealthy. Once upon a time, people in America may have considered themselves wealthy if they could afford a home, a…Continue readingWhat Does Being Wealthy Mean to You?