Personal Capital is a free service that helps you track your net worth, manage your investments, and plan for retirement. You might be surprised to learn that Personal Capital was founded in 2009 by Bill Harris. Mr. Harris is the former CEO of Intuit and PayPal! This fun fact certainly explains why this platform is one of the best wealth…
If you are a freelancer, you have likely heard of both Fiverr and Upwork. They are two of the most popular freelance marketplaces on the internet. But which one is better for you? To answer this question we will focus on the three things that matter most to freelancers: ability to get clients, platform fees, and how long it takes…
With so many options for keeping track of your money, it can become overwhelming to decide which financial tools you should use. That is why I wanted to pull together a list of the 13 best wealth management apps, along with the ones I personally use, so that you can pick the best one for you. I’ve used most of…
Starting out as a freelancer can be tough, but it’s not impossible. There are a number of great websites that can help you find freelance work and get started on your career. In this post, we’ll take a look at some of the best freelancing websites for beginners. These websites will help you get started with finding clients, landing new…
Making the decision between freelancing vs. entrepreneurship is not always an easy choice. There are pros and cons to both options, and it can be difficult to decide which path is right for you. In this blog post, we will discuss the differences between freelancing and entrepreneurship, and help you decide which route is best for you. Freelancing vs. Entrepreneurship:…
When it comes to paying off debt, there are many different methods and challenges you can try. In this article, we’ll discuss 10 Debt Paydown Challenges that can help you get rid of your debt quickly. These challenges range from the simple (such as the Debt Snowball Challenge) to the more complicated (such as saving $10,000 in a year). All…
There are many ways to get an 800+ credit score, but some methods are more effective than others. I obtained an 800+ credit score just a month ago, at the age of 26! In this article, I will share some of the most efficient ways to improve your credit score. I will also share exactly how I was able to…
There are many important skills business owners should know and continually work on. Developing new skills and refining old ones is perhaps one of the most important business investments you will make. You may have some of these skills already, but you will find that a successful business owner needs to reach some level of proficiency in almost all of…
This post is a detailed guide on how to find clients on Upwork in 2023! As you may have already guessed, there is a good reason that I’ve been quiet on the blog for the last three months. And that reason is that I’ve been really focused on increasing my income before the New Year! In December, I dedicated some…
It has been a few weeks since I’ve last posted on the blog, but I promise I have a good reason! And that reason is that my TikTok addiction has finally proven itself to be useful. Needless to say, a lot of the TikToks that land on my “for you” page are related to personal finance and business. A few…
Today I’m going to share with you how I was able to manifest over $20,000 in less than 6 months. This post has practical tips that will help you start taking action. I will not be talking about the kind of manifesting where you bury money in your backyard or put a bunch of random things in a jar together.…
As any pet lover knows, we will go above and beyond to make sure our pets are happy and healthy while we are away. That’s our fur baby! In this post, we will cover how much you can make as a pet sitter, ways to get started, and an extensive list of the pros and cons! How to Start a…
Congratulations! If you are wondering how much you should spend on your engagement ring then that means you are probably getting close to popping the question or answering the big question! Over the last few years, people have really started to broaden their horizons when it comes to wedding ring styles. Younger generations are starting to question the value behind…
Many people wait years before they start a business. There are many things that can hold you back from finding the motivation necessary to get started. When I first started my business at 24, I definitely had hundreds of reasons why I wasn’t ready. At the end of the day, I really had to question my own self-limiting beliefs to…
After traveling to over 10 countries on a nearly non-existent budget you might assume I would be a bit of an expert on scoping out affordable places to live. That assumption is 100% correct! Today I wanted to share my experience living in one of the cheapest countries in the world. In fact, I found the cost of living to…
I am originally from California and, as a result, I’ve always looked at housing costs in San Francisco ($750,000+ ) and my hometown of Sacramento ($400,000+). Needless to say, the idea of owning a home was something I pictured would happen in my 40s. When I quit my job to travel the world, I found I had a deep curiosity…
To me, paying down debt is really a matter of psychology. If you compare debt payoff to things like dieting or exercising, the methodology is really the same. You have to find a method that works the best for you and create a habit you can stick to. This mentality actually helped me pay down the first $10,000 of my…
I’ve definitely had to wonder, “Is debt consolidation a good idea”, multiple times over my financial journey. This may be a personal finance blog, but like many people, I still carry a bit of debt. I graduated from college in 2017 with almost $30,000 in student loans. I also had a small amount of my living expenses on a credit…
By now it is no secret that I am a huge fan of having multiple streams of income. Having more than one income stream is the best way to maximize the amount of money you earn each month. It also guarantees that you will have an income if you ever lose a job. Over the last decade, the gig economy…
When you are starting to learn all about the world of banking, it can feel that there are so many different items to consider and steps to take. Banking should not feel overly complicated. In fact, banking is here to help you! Many things that seem scary, like the steps you need to take to cash a check, are actually…
Do you remember what it was like walking into a store and seeing the beloved gumball machine as a kid? Maybe you saved up your allowance or asked your parents to spare some change just so you could put in a coin, turn the knob, and hope that your favorite flavor would pop out. Gumball machines are more than just…
Today’s guest post on, “Why is a Budget Important”, was written by Robyn from A Dime Saved! This is Cash for Kat’s 6th guest post! If you would like to start at the beginning, check out Zero to Full-Time Income by Kathrin from A Chat with Kat. Our last guest post was on How to Make a Personal Budget (& pay Down…
What is Passive Income? Passive income, also known as residual income, is an income source where the person is not actively involved. It is a source where there is little to no effort put into obtaining that income on a regular basis. Many times, passive income is described as a way to “make money while you sleep.” Another way of…
Author’s note- May 21, 2023: This is an out-of-date post and some of the links may not work. As this chronicles my first business, I am not going to make any updates to this post for now. In 2023, RSC was rebranded to Kat Rucker Consulting LLC to better reflect our increased scope of work. You can still find information…
Many of you have been following my blog for the last several months and have watched me document my journey of starting my sales consulting business at 24 and have watched me build my sales consulting business over the course of 2020. From July to December of 2020, I was able to make over $20,000 as a sales consultant. At most,…
