Darby Jones

Darby Jones is a financial guru with a passion for FIRE (Financial Independence Retire Early). Read Darby's full bio here.

Modern apartment buildings with balconies under a blue sky, representing affordable urban housing options.

How to Apply for HUD Housing and Rental Assistance

Struggling to afford rent? You’re not alone. The U.S. Department of Housing and Urban Development (HUD) offers programs that help low-income individuals and families find affordable housing or receive rental assistance. Here’s how to apply, and what you need to know before you start. What Is HUD Housing? HUD doesn’t directly rent homes to individuals,

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Person sitting on the floor against a concrete wall with head down, showing signs of sadness or depression.

How Depression Affects Spending And Saving Habits

Depression doesn’t just take a toll on your mental and physical health. It can also have a significant impact on your financial decisions. From impulsive spending to avoiding budgeting altogether, depression can affect the way people manage their money in ways that aren’t always obvious. In this article, we’ll break down how depression influences both

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Woman holding a five-dollar bill over her eyes

How To Invest With $5/Month

Think investing is only for people with thousands in the bank? Think again. Thanks to technology and micro-investing platforms, you can start building wealth with as little as $5 a month. It’s not about how much you start with; it’s about getting started. Here’s how to invest with just $5 a month and grow your

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Stressed couple reviewing medical bills at kitchen table with paperwork and coffee.

Medical Debt Negotiation & Forgiveness: How to Find Real Relief

Medical bills can sneak up on anyone, even with insurance. But there’s good news! You don’t always have to pay the full amount. With the right approach, you can negotiate your debt down or even qualify for forgiveness programs. 1. How to Negotiate Your Medical Bills Many people don’t realize that medical bills are often

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Woman managing finances at a desk with calculator, notebook, and laptop.

Rebuilding Credit After Divorce: Smart Financial Moves

Divorce can be emotionally draining and financially devastating. As you untangle shared accounts, separate finances, and deal with new expenses, your credit score can take a hit. But take heart: rebuilding credit after divorce is entirely possible, and it can even feel empowering when approached with the right strategy. Here’s how to regain control and

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