Living paycheck to paycheck is a problem that the majority of Americans face. However, it is very much possible to break the cycle. Here's how.

Raya Reaves is the Founder and Finance Coach of City Girl Savings. Below you can learn more about Raya and her journey to becoming an entrepreneur and the advice she gives to other women entrepreneurs.

The Buy Now, Pay Later (BNPL) service is a new payment method that has become increasingly popular. Despite BNPL becoming more widespread amongst the younger generation, this program carries significant financial risks if the money isn’t paid back on time.

Ignoring your student loan debt is not a good idea. Instead, start right now by making a plan to get out of student loan debt. The sooner you start the better. Here is how.

A basic budget provides you with a plan to implement, should a financial emergency strike and you must limit your spending only to your most basic needs.

Financial statements are often thought of as something that only companies need worry about, but a personal financial statement can help you track your financial health and hone in on trouble spots and opportunities. 

One of the simplest ways to secure financing is through a line of credit.  The application process for lines of credit tends to be quicker and less involved than for other types of financing such as business loans, personal loans or mortgages.

If you find yourself routinely having more month than money, then it may be time to embrace a more structured budgeting approach by starting from zero, zero-based budgeting, that is.

If you have decided to attend college, you will likely have to make many significant life choices before graduation. Below are some money management techniques that can help you save money and improve your financial situation.

The current school curriculum does not have any courses which discuss financial literacy. As a result, some states have begun implementing financial literacy courses into the curriculum, which will go into effect in 2023.

Attending college is an important milestone. While in college it’s a must to establish a great financial mindset. According to a study by Ohio State University, more than 70 percent of college students reported feeling stressed about their finances.