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Why We Spend: The Psychology of Spending Money

psychology of spending

It’s likely no surprise that money is a leading cause of stress among most Americans. Financial decisions—whether making purchases, paying down debt or building up savings—require willpower, good judgment and discipline. Why is it, however, that even when people aren’t in the midst of a financial crisis or vicious cycle of debt, making ends meet […]

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Halloween Costumes on a Budget

kids wearing Halloween costumes on a budget

Whether you’re looking to dress a child or an adult, the internet offers no shortage of fun, cheap and even easy ideas for Halloween costumes. However, they are only inexpensive until you find yourself running to the dollar store to buy a hundred Popsicle sticks or the mall for black tights, or the home improvement […]

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Practicing Mindful Finances: Begin by Watching Yourself Make Choices

Woman practicing mindful finances

Say you’ve resolved to curtail your wardrobe spending or set $100 aside each month into a rainy day account. Financial resolutions, like diets or work out plans, start out strong as our enthusiasm gives us a top-of-the-mind kind of commitment. But then… life gets in the way. We experience an unexpected disruption (or two). We […]

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8 Totally Unconventional Job Search Tips

Woman searching for a job online

Looking for a new job can sap your self-esteem like nothing else. On average, a job search takes an excruciating 43 days (just over 6 weeks). But depending on your industry, the state of the economy and the type of job you are looking for, it can take even longer. Applying for dozens of jobs […]

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A Summer Spending Freeze: One Person’s Plan to Tackle the Challenge

Woman shopping

  Recently Marlena H. embarked on a self-imposed, one-month “personal spending freeze,” announcing her intentions on social media and inviting others to join. Intrigued by what inspired her to take on such a challenge, SafetyNet™ reached out to learn more about the impact of her financially minimal month on her day-to-day life (and, subsequently, her […]

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10 Money Saving Tips for College Kids

10 Money Saving Tips for College Kids Infographic

1) Save on laptops and software Check for sales and student discounts before buying a computer or software. Labor Day and Black Friday are good times to get deep discounts on electronics. Many companies offer reduced prices to students, and campus bookstores often have good deals. Protect your investment with anti-virus software. 2) Shop thrift […]

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Top 10 Most Dangerous Jobs

Top 10 most dangerous jobs infographic

According to the Bureau of Labor Statistics, these are the most dangerous industries in America. There were a total of 5,190 fatal work injuries recorded in the United States in 2016, a 7% increase from 2015, according to the U.S. Bureau of Labor Statistics. These are ranked by the number of fatalities per 100,000 full-time […]

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Is layoff insurance right for you?

Designer buying layoff insurance online

Originally Published on WKOW.com on Aug. 24, 2018   MADISON (WKOW) — When you think of insurance, a couple come to mind: car insurance, health insurance or life insurance. However, there’s a newer type of insurance making its way through the U.S. and it’s offered in Wisconsin. It’s called layoff insurance and it hopes to give […]

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What to Look for When Shopping for Short-term Disability Insurance

Bartender smiling

Financial shocks come in many forms:  a crippling car repair, divorce, a surprising tax bill, legal proceedings and, of course, unexpected layoffs. However, one of the most unfortunate—and often overlooked—financial setbacks comes in the form of injury or illness that result in the loss of wages for weeks, months…or even longer. While you might not […]

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Why Your Food is Costing More—And What to Do About It

Couple cooking together - rising cost of food

It’s not your imagination. If you think your food costs have been rising over the past few years, you are right—and not just because you may be leaning a bit too hard on the convenience of eating out. Over the past 20 years, food prices have increased steadily—an average of 2.6% per year. While the […]