Joyce Marter, Author at Joyce Marter

11 Phrases People Use When Their Parents Never Taught Them The Value Of Money

Schools aren’t going to teach us how to think about our money, so our parents influence on our financial values is just about all we have. The way people are raised has a major impact on their money mindset. More often than not, kids adopt their parents’ attitude toward money, which carries over into their … Read more

Speak Life 💗

What’s the best thing someone could say to you right now? All too often, we take the people we love the most for granted: our lovers, family members, and close friends. We forget the enormous power of our presence and words. Make a conscience choice to nurture your relationships with verbal communications of love. Be kind and … Read more

The Sass, Cash, and Class Conference Empowers Women to Have It All–Without Sacrifice

Women no longer have to choose between career success, financial stability, fulfilling relationships, and well-being. The Sass, Cash, and Class Conference on April 5, 2025, in Denver, CO, proves that women CAN have it all…

10 Phrases Often Used By People Who Refuse To Tolerate Disrespect

Embracing disrespect, even from the people we love, compromises our emotional health, self-esteem, and overall well-being. Setting boundaries and walking away from situations where we are not respected is essential for our personal growth and peace of mind.

7 Ways Debt Affects Mental Health

Debt doesn’t just hurt your wallet – it affects your mental and physical well-being. 86% of people report that financial struggles worsen their mental health, creating a cycle of stress, anxiety, and depression.

Glimmers are small moments of joy | Collages Week 6

For me, each and every one of these collages is a little glimmer, a moment where I got to sit down with my glue stick and my papers and make art. Even when everything feels a bit too much, I love that. I share them here in the hopes that you will feel or notice … Read more

The Art of Being Assertive at Work: Benefits and Essential Strategies

We know it might seem obvious, but being assertive at work has positive impacts on your career. After all, speaking your mind can make the difference between receiving a big promotion and being stuck in the same position indefinitely.

Understanding Financial Dysmorphia: A Growing Concern for Gen Z and Millennials

Financial dysmorphia is a psychological condition where individuals misperceive their financial situations, leading to anxiety and fear of inadequacy. Studies reveal that a significant percentage of Generation Z and millennials feel financially insecure despite having healthy savings. Influencers on social media contribute to this distorted perception, creating unrealistic financial standards. To overcome financial dysmorphia, experts … Read more

How to pay less interest on credit card debt in 2025

Credit card debt has never been more crippling. With interest rates now hovering near 23%, cardholders are seeing their balances grow at record speed. The average American has over $8,000 in credit card debt — and the daily compound interest makes each month’s bills and minimum payments harder to handle.

There Are No Bad Kids

Thirty years ago, right after completing my bachelor’s degree in psychology, I spent a summer teaching kindergarten at a Columbus, Ohio, school designed for children with behavioral disorders, many of whom were diagnosed with oppositional defiant disorder (ODD). The student body was overwhelmingly BIPOC and had endured extensive trauma: separation from family, various forms of abuse, … Read more