About Kerria Fleming

Paying down debt often feels like there’s never quite enough left over at the end of the month. The good news is, finding extra cash doesn’t always require a complete financial overhaul. A few intentional adjustments to your spending habits can create real breathing room in your budget. By shifting focus toward mindful choices and […]

Realizing you’re behind on retirement savings can feel stressful, but it’s not too late to turn things around. Your 40s and 50s are critical decades for financial planning, as you likely earn more than ever before and have a clearer sense of the life you want in retirement. The key is to use this stage […]

As teens prepare for college, their world expands, and so does their financial responsibility. For many, it’s the first time managing money without parental oversight. Whether they’ll be living on campus, renting an apartment, or commuting from home, understanding how to handle money sets the stage for long-term confidence. Honest conversations about budgeting, spending, and […]

Building wealth doesn’t always come from big paychecks. It often starts with small amounts that quietly grow over time. The secret behind that growth is compound interest, one of the most powerful financial forces at work. It rewards consistency and patience, turning even modest savings into substantial sums. Once you understand how compounding works, you […]

Unexpected medical bills can derail even the most carefully planned budget. Whether it’s an emergency room visit, surgery, or a long-term treatment plan, the costs can pile up quickly and feel impossible to manage. Medical debt is different from other types of debt, as it often strikes without warning and carries an emotional toll. Understanding […]

Teaching kids about money often focuses on earning and saving, but generosity plays an equally important role. When children learn to give, they understand that money can create positive change beyond themselves. Gratitude deepens that lesson by helping them see value in what they already have. Together, giving and gratitude shape empathy, balance, and appreciation, […]

Some expenses don’t show up every month but when they do, they can throw your budget off balance. Holidays, summer vacations, back-to-school costs, and annual bills often sneak up and strain finances. Seasonal budgeting helps you prepare for those predictable but irregular moments, so they feel manageable instead of stressful. By setting aside small amounts […]

Most people pay bills, cover expenses, and then save whatever’s left—if anything remains at all! The pay-yourself-first method flips that script, turning saving into a non-negotiable priority instead of an afterthought. By directing money toward savings and investments before spending on anything else, you ensure progress toward long-term goals every month. This approach builds security, […]