Let’s face it, keeping your financial information secure these days can feel like playing whack-a-mole with scams and identity thieves. Every time you feel safe with fresh passwords or new protective measures, thieves invent sneaky…
Most people find budgets boring and restrictive. But I think the opposite is true! – Budgets are fun, empowering, and they enable you to achieve both long term and short term financial goals. There are…
Happy Tuesday, HTM family! A common misunderstanding many humans possess is thinking they need to choose between their well-being or success. Like it’s either one or the other… Science tells us the opposite. Self-care and…
If you’re a freelance/gig worker or small business owner, learning how to budget on a variable income is super important! Here’s how to do it!
Happy Tuesday, HTM family! Have you ever called the Peptoc Hotline when you’re having a bad day?… For those of you that don’t know: If you’re ever feeling sad, down, unmotivated, etc… Just pick up…
I have a friend who makes a lot of money working as an engineer for a high paying tech company. Yet he always seems to complain about not having any money left to save at…
Learning how to track your spending is an important part of budgeting. Here are the basics and how to be successful.
With hard work, determination, and a little patience, you can break the cycle of living paycheck to paycheck. Just follow these steps!










