Debt Snowball vs. Debt Avalanche: Which Strategy is Right for You?

So, you’re ready to tackle your debt—but now comes the big question: What’s the best way to pay it off? You’ve probably heard of the Debt Snowball and the Debt Avalanche methods. They’re the two most popular strategies for getting out of debt, and both have their fans. Some swear by the emotional wins of the Debt Snowball, while others prefer […]

The First Step to Getting Out of Debt: A Reality Check

You’re staring at the numbers. Maybe it’s a credit card statement, a stack of bills, or a bank account that looks more like a countdown to disaster. It’s overwhelming, frustrating, and—let’s be honest—kind of terrifying. But here’s the truth: the hardest part of getting out of debt isn’t the budgeting, the side hustles, or even […]

How to Create a Budget That Actually Works (Not Just One That Looks Good on Paper)

You’ve probably seen those “perfect” budget templates before. You know the ones—where you’re magically supposed to only spend 30% of your income on housing, 15% on food, 10% on savings, and somehow still have money left over for fun. Sounds great in theory. But what if your rent is already 40% of your income? What if groceries […]

7 Smart Money Moves for Couples

It’s a beautiful thing when two people fall in love and decide to bring their lives together. But when mixing families, values and beliefs, there are bound to be some issues to work through. That’s especially true when it comes to money. Financial disagreements can be a major source of strife, even in the strongest […]

Stuck in Credit Card Debt? Get Out With These Proven Expert Strategies

Credit cards can be a huge convenience. But if you aren’t careful, they are also an easy way to get into serious financial trouble and end up with high debts and bad credit. The best way to handle credit cards is to spend frugally and pay promptly. But for those people already struggling, the following […]

Investment diversification: How it works and why it’s important

Jamie joined Citizens Wealth Management in 2022 and is responsible for the curation and management of the investment product suite of ETFs and Mutual Funds, and portfolio models constructed with these products. As a strategic partner, he has over 30 years of experience in financial markets focused on a broad array of public and private […]