General Information | Finance Plain and Simple

Budget, Debt Management, General Information, Saving and Investing

A Different Approach to Changing Your Mortgage Payment

January 20, 2021January 24, 2021Gina

Refinancing By now, you have probably heard of refinancing your mortgage. This is where, when interest rates drop significantly, you essentially trade in your old mortgage for a new one.…Continue readingA Different Approach to Changing Your Mortgage Payment

Budget, Debt Management, General Information, Saving and Investing

Financial Tips for a Merry Holiday Season

December 15, 2020December 15, 2020Gina

The Holidays and Money Do the holidays fill you with a mixture of emotions, from joy and excitement, to dread and anxiety? If your finances tend to get out of…Continue readingFinancial Tips for a Merry Holiday Season

General Information

Why the Stock Market is Booming and the Economy is Struggling

November 11, 2020Gina

If you watch the news, you have probably noticed two things: the economy is struggling, and the stock market is booming. I always thought that the stock market was part…Continue readingWhy the Stock Market is Booming and the Economy is Struggling

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

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

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

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

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?

General Information

COVID and Your Finances

August 19, 2020September 13, 2020Gina Fernandez-Ross

This pandemic has affected nearly everything. It has changed the way we interact, the way we work. Maybe it has changed the way you see the world. No longer such…Continue readingCOVID and Your Finances

Budget, General Information

How to Save Money on Insurance

August 12, 2020September 16, 2020Gina Fernandez-Ross

Yesterday was my birthday, and also the day that my 16 year old son got his driver’s license. That meant that I had to add him to my car insurance.…Continue readingHow to Save Money on Insurance

Category: General Information