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Valerie Y. Waller, PhD
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College expenses are constantly rising. Some blessed souls have their education expenses covered through a prepaid tuition plan setup by parents; however, others are responsible for their own education expenses. Whatever the case may be, it is wise to…

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Some of us experience an adrenaline rush and are somewhat addicted to spending money and buying new things.  This could be a habit that we picked up from our parents or friends.  This could also be a habit that was developed as a teenager when we “could”…

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Having a descent credit score is vital for every adult.  As a young adult, we can make poor decisions when purchasing things we don’t necessarily need (on credit) that can hurt us later in life, if we do not pay them off on time.  While in college, you…

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Understanding basic financial management skills are vital in maintaining a sustainable business, whether big or small – profit or not-for-profit.  These skills can (and should) be applied to personal finance.  Whether you know it or not, you are actually…

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Society (along with some friends and even parents) has conditioned us to satisfy our desirse and buy things that we cannot afford.  The land of the “Free” doesn’t teach us to be “Financially “Free” – It teaches us to be “Financially Trapped” in debt! For…

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CONGRATS! You are now college graduates – Welcome to the real world that brings about real responsibilities.  You are no longer someone’s dependent and now have to depend solely on you!  No worries – while it seems like a giant step, it will only be as…

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Taking time to reflect and thank those who died for us protecting our country. WE APPRECIATE AND SALUTE YOU ALL!!! Virginia War Memorial – Honoring and recognizing those who loss their lives in WWII, Korea, Vietnam and the Persian Gulf. Galanti Education…

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When trying to save money, it is often difficult to know where to begin.  Whether your goal is to build an emergency fund or a financial goal, such as buying a house or starting a business, it is important to create some money-saving habits that will help…

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ENJOY LIFE ALONG YOUR JOURNEY  “No matter how #determined or #focused you are at the moment, don’t miss out on enjoying God’s #creation”! – Dr. Valerie Waller (Strafford Hills 10k) As I was running the first mile trying to control my breathing and get my…

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The sky is the limit when it comes to saving money.  There are hundreds of tips and tricks to save a lot more than what you are currently saving. However,  it will take some discipline, a little work,  and a frugal mindset. Here are 15 ways to immediately…
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