Traveling on a Budget

The weather is getting nicer so you know what that means… vacation time!

You probably want to enjoy the nice weather as much as you can. Don’t worry, vacation time doesn’t necessarily mean spending thousands of dollars.

Regardless of whether you are traveling around the U.S. or going to another country, you can still have a great time without breaking the bank with these easy tricks:

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Practicing Mental Health on a Budget

As you may have heard, May is mental health awareness month. We at MoCaFi not only prioritize healthy financial lives, but we also value a healthy mind and body.

Hard working people, such as yourself, don’t always have access to mental health care providers, therapists, and other resources.

However, it’s important to practice self-care during moments of stress or even just to vent.

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8 Essential Money Conversations You Should Have With Your Partner

Is your relationship starting to get serious? Or is it still a budding relationship? Financial security is an important factor in figuring out if you see a future with this person.

By starting to have financial conversations with your partner, you get to understand them on a deeper level and whether their financial goals match with yours. Even if they don’t match up, you can still build towards that.

Below is are a few questions you should ask your partner to help you identify how to build a stronger financial future with them.

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Graduating On A Budget

Graduation season is fast approaching and you have every reason to celebrate, you made it! Odds are that you’re realizing all the fees that are starting to rack up as you get closer to graduation.

Between spring concerts on campus and new outfits for senior celebrations, you don’t want to miss out on these special moments with your friends just because you are on a budget.

You can manage your money and still enjoy making senior memories. Below are some simple tricks to help you prepare for graduation season:

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Preparing for Prom on a Budget

Prom season is here, and it can be a memorable night for your teen. However, it can also be a huge drain on your wallet if you’re living on a budget.

With help from MoCaFi, it doesn’t have to be!

Don’t worry, if you’re paying for prom expenses, your child can still enjoy prom without you damaging your wallet. The money you save can go towards their college fund!

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Stay Fit with an Exercise Budget

Want to stay healthy, but the gym is too expensive or your schedule is just way too busy? Totally understandable. Maybe a gym isn’t for you.

If you are concerned about how expensive it would be to buy your own gym equipment, the great thing about working out is that you don’t need equipment to stay in shape.

You can still look and feel your best with these simple hacks to staying in shape:

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Standing Strong Through Family Theft

Sometimes having a low credit score is not your fault. If you find yourself in a situation where your family member or close friend steals your identity, you are not alone.

This happens more than you think. It’s okay to take a moment to be mad. This is different than finding out that some random stranger stole your identity. This is your family or close friend. Someone that you loved and trusted put you at financial risk, but you should keep in mind that they didn’t ruin you. You can turn your credit score around and take control of your financial life.

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Creating Your Credit Score From Scratch: Do’s and Don'ts

For those of us who are just starting to think about credit, don’t worry. You don’t have to be wandering around in the dark.

Creating credit is about more than just getting your first credit card. You also have to use it responsibly. We want to make the steps you need to build your credit from scratch transparent and simple. Here are a few Do’s and Don’ts to help you achieve your credit goals:

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Ashley Simonscreate credit
Avoid The Tax Season Trap and Increase Your Wallet With Tax Credits

Why lose out on more money than you need to during tax season?

One way to increase the amount of money in your wallet - in addition to tax returns and working a second job - is to consider tax credits. Tax credits are subtracted from the amount of tax that you owe, which gives you more opportunity to increase money in your savings account or to go towards bills. Below is a list of some tax credit options to help you through this whirlwind of number crunching.

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How to Save Money on Valentine's Day Without Looking Cheap

Valentine’s Day is around the corner, so you know what that means… expensive gifts and long lines at expensive restaurants. Everyone knows that Valentine’s Day can be a huge drain on the wallet, but it doesn’t have to be.

We know having Valentine’s Day on a Wednesday can limit some of your outing options, but here’s the cheat sheet on some creative, less expensive options that will still show your significant other you love them and help you avoid looking cheap.

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5 Steps On The Road To Better Credit

If you've decided to read this post, then there's a good chance you're aware of how vital your credit score is to achieving financial stability.

Like many of us, you probably have experienced a financial setback that has hurt your score with one of the 3 major credit rating agencies.

Unfortunately, the credit agencies make overcoming credit obstacles a long and difficult mystery, that never takes into account the real-life circumstances at the time like job loss or life emergency.

Well, we have your back.

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Ashley Simons
Martin Luther King Jr. Addresses Economic Justice

Today’s Martin Luther King Jr. Day commemorates the 50th anniversary of his legacy. There are sure to be lengthy discussions on his nonviolent approach during segregation and numerous broadcasting segments of his infamous I Have A Dream speech. Of course, these are all very powerful and valuable discussions, especially during these recent times of increased public attention to activism concerning issues that continue to perpetuate the disenfranchisement and systemic injustices faced by communities of color. However, in discussion of King’s messages of equality, what often gets overlooked was his support of economic justice for all people - especially black and brown folk.

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Ashley Simons