Are you someone who has a hard time saving money? Does the idea of saving a significant amount of money seem impossible? We’ll show you an easy way to save 5000 in a year just using envelopes! Sound too good to be true? Well, it still requires saving, but this technique takes some of the daunting pressure off a large number.

This easy technique has a few simple components. You only need two things:

  1. Cash
  2. Envelopes

That’s it! …


Wow — what a crazy year 2020 has been for the markets! We’ve seen a crazy run up going into the beginning of the year and for the first month. Then, it all came crashing down (literally) with the whisperings of a novel virus. So how does this Coronavirus affect your retirement account?

In case you’ve been living under a rock, the novel corona virus (COVID-19) first popped up a few months ago in China and has been spreading like crazy.

As we’ve seen before, this uncertainty does not help the financial markets. …


1. Niche Idea

One of the things that divides the successful websites from the less successful ones is a niche idea. Niche websites get more traffic and will do better with search engines than broad topics.

What is a niche? Basically, a niche is a subset of a larger market. As defined by Merriam-Webster, a niche is a “specialized” market.

Typically, your brand or business is niche enough, but if you’re starting a blog, this is where you’ll want to spend more time. Keep asking yourself “then what” to dig deeper into your topic.

Having a good niche website will help you make…


Depending on what circles you run in (and who you follow on Linkedin) you might’ve heard that the first step to being a successful sales person is bringing in numbers — more people means more customers. Funnel, funnel, funnel, right?

Well — half right. You want the RIGHT people, the people that are interested in buying what you are selling! If the people who come into contact with you do not have the ability, interest or resources to buy what you’re selling, then you’ll never be able to convert any sales.

This is where the ever popular concept of niche…


Websites can be difficult to design — there’s a lot of variables to consider; flow, color palette, interactive elements. It can be overwhelming, but a good design is essential to get and keep customers engaged.

Creating a captivating website is important to keep people on your screen. Having a great customer experience and drawing people in is the point of your online presence — it’s driving your bottom line.

Design is an important aspect of any website

Statistics show that there are over 500 million active websites out there, so the question becomes — how do you keep them through the all important sales funnel?

Here we’ll give…


When my dad first retired, his response to the question, “how does it feel to be retired?” was “it’s weird”. He went on to explain how strange it was to not be making money any more, only spending it. He was right, that did seem weird, and for someone like me, anxiety-inducing. But it got me thinking, how much do you need to save for retirement? How do you know you’ve saved enough?

Saving for retirement is one of the biggest parts of being financially stable and a huge focus of the step-by-step plan.

Unfortunately, one of the scary parts…


When people ask “But what is it like to be a woman in tech”- they should really be asking “What is it like to be a 4'11, blonde, pink-blazer-with-matching-stiletto-wearing woman in tech”.

The answer: I don’t really know.

I don’t know any different. I can tell you stories of how I was the only woman in a meeting room of 25+ tech consultants listening to a machine learning lecture. I can count on my fingers the number of times I’ve been asked if I was a sales intern or admin. …


Options aka financial derivatives can be really difficult to understand, and even harder to make money off of. This post is going to attempt to make sense of some options basics.

Options are contracts between two different people, a buyer and a seller. The contract specifies a price and a date in the future for an exchange of 100 shares of the stock. The buyer pays the seller a price for the option. The buyer has the right but not the obligation to put the option into effect (exercise). …


If you’ve read anything on personal finance, chances are you’ve heard the advice on creating an emergency fund. If you haven’t researched much, that’s OK too — I suggest starting with my step-by-step guide.

So what is an emergency fund?

An emergency fund is where you keep money that you could easily take out (liquid) should an emergency arise. The example I always use is a car break-down. I love my baby, but she is 10 years old. A catastrophic break down is not out of the realm of possibility. I need to be able to pay for a large repair or even a down payment…


At first glance, you might think it doesn’t sound too bad, track the in…track the out… compare. But when you really think about how often you exchange money, it quickly becomes daunting. Different people have different strategies, I talk about using excel to budget here, but by far the easiest program I’ve found is YNAB.

When I first started using it, it took me about a month to really get used to, perfect my budget and understand how it works. …

Rachel Stewart

Tech consultant in Chicago with side work in web design and non-profit work. Author of www.filledefinance.com. Web Design available at ThornburyDesign.com.

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