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Salt & Pepper

Personal finance experts with over 10 years of combined knowledge in Money management, saving, budgeting, and retirement. Published in Forbes, Yahoo Finance, USA Today and more.

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How to Use Home Equity to Build Wealth

Home equity, the difference between your home's market value and outstanding mortgage, is a potent asset for building wealth. Using home equity wisely provides benefits such as tax advantages, lower interest rates, portfolio diversification, and funding for home improvements.

2024-cash-envelope-system

2024 Cash Envelope System to be A Saving Success

Time to stuff it-with cash. Here is our guide to the cash envelope system in 2024 for better savings and a debt free year.

2024-budget-binder-print-free-salt-and-pepper-finance

2024 Budget Binder + Free Printables

Looking to start off 2024 with some accountability? Print our free budget binder and start the new year off right with getting your finances in order.

money-stress-paycheck-to-paycheck

How to Save Money When You Live Paycheck to Paycheck

Living paycheck to paycheck can be daunting, but it's possible to save money and pave a stable financial path. Dive deep into understanding your finances, setting clear goals, crafting a realistic budget, and adopting money-saving habits.

man-weighing-finance-options

What Is Owner Financing? Exploring the Benefits and Risks

Owner financing is a unique real estate method where the seller acts as the lender. It offers flexibility for buyers who may not qualify for traditional loans and can expedite sales for sellers. Understanding its benefits, risks, and legalities is essential for informed decisions.

home-finance-seller

What Is Seller Financing? An Overview of This Popular Option

Seller financing is a unique real estate financing method where the seller acts as the lender, allowing the buyer to make payments directly to them instead of a traditional bank. This flexibility offers an alternative to conventional loans, especially for those with credit issues.

The Politics of Pregnancy: New Legislation Fuels Debate

The Politics of Pregnancy: New Legislation Fuels Debate

Pregnancy and parenthood are getting shaken up by Washington. New legislation is bringing in some much-needed support for mothers and expectant parents.