Our Two Cents

Sometimes the best financial lessons come from your worst spending decisions. You're making your own money and get to decide how you want to part with it. But are you ready? Explore with us some of the best and worst purchasing decisions we made in our 20s. For more financial resources, check out the Financial Foundations Course from KEYS Online. Financial Foundations Course

KEYS®️ Online

Mistakes like late payments, having too many credit cards, high balances, making minimum payments, and even canceling cards can damage your credit score. Listen in as we share how to overcome them and restore your score. Credit Cards Module

Healthy Financial Habits Module

Keys®️ Online

Whether you just landed a new full-time job or got a raise, making more money can mean more spending. Maybe you're treating yourself to some new shoes or a vacation or some other big-ticket item; you've earned it, right? If you're not careful, that raise, or new income might be spent before you know it. In this episode of Our Two Cents, we cover lifestyle creep and how to avoid it. Want to be prepared to avoid lifestyle creep? Check out these free KEYS Online modules: 401(k) Plans Module and Creating a Budget Module. Creating a Budget Module

401(k) Plans Module

KEYS®️ Online

Do you find yourself worried about your financial situation? Well, you're not alone! We, too, struggle with financial (or money) anxiety. In this week's episode, Allison and Brooke talk about their fears and anxiety about money and share their experience on how they reduce stress about their bank accounts. Mindful Living Module

KEYS® Online

Live your best life without breaking the bank. In this episode, we're sharing our experiences with traveling without it costing an arm and a leg. We'll talk about some of our most memorable traveling experiences, how we approach budgeting for those trips and future trips, how to make the most of your trips and more. KEYS® Online

Arguably the most important three numbers you'll ever have, credit is key. But how do you establish it when you're starting fresh? We'll touch on what our first credit experience was like, how we maintain and build our credit, and other decisions impacted by credit. Credit Cards Module

KEYS Online

Fur babies, four-legged friends, doggo, puppers, whatever you call man's best friend, there's a lot to consider before adding a dog to your family. Luckily, we've got a seasoned pro when it comes to getting a pet pup. If you're considering a pet, you don't want to miss this episode. Want to be financially prepared to bring a pet home? Check out our free resources that cover topics like budgeting, savings or emergency funds, visit KEYS Online. KEYS Online

From caps and gowns to travel, graduation is a big (and expensive) day. In this episode, we touch on some of the expected and unexpected costs of graduation, what decisions we made shortly after graduating and more. Preparing for Graduation Module

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From fender benders to broken bones, life happens, and emergencies can happen to anyone. But don't fear! Your preparedness starts now with our deep dive on emergency savings. We'll share our experiences with unplanned expenses, how that impacted our budgets, our approach to rainy day savings now and more. Building Emergency Savings Module

KEYS Online

Writing down every cent you spend feels like overkill, but having no clue how much you spent is a recipe for disaster. We're here to help. Learn about budgeting basics, our favorite and least favorite budgeting methods and more in this week's episode. Creating a Budget Module

KEYS Online