What’s Next?
In times of turmoil, it helps to understand what’s next. Hold on to long-term optimism, but face the present reality one day at a time.
In times of turmoil, it helps to understand what’s next. Hold on to long-term optimism, but face the present reality one day at a time.
I spend days psyching myself up to make the calls. My targets include the very companies that make dialing the number possible: communications providers. Why am I connecting with these connectors who give us access to wireless phone, email, entertainment and internet? To cut that very expensive cord.
This is no trivial matter. According to a survey by eMarketer, the average U.S. adult is expected to spend 5 hours and 45 minutes each day on devices in 2016, including mobile, laptop, desktop and tablet. Add television on top of that and we sit in front of multiple devices throughout each day. As âThe Internet of Thingsâ matures, the cost of communications will command a bigger portion of our household budgets. On the horizon: advancements in home and health monitoring, wearable tech and mobile-everything.
It also costs a ton. Cable, internet and phone can easily top out at $250/month. Here’s how I tackled the problem:
Life insurance can be worth it if your death would place a financial burden on someone else. Otherwise, you may not need it.
All across the nation, families are struggling to get ahead. For some, the rising costs of healthcare chip away at their gains. For others, stagnating wages and college bills are a real problem. Then there are those who claim raising kids makes it impossible to grow wealth. No matter where you go, youâll hear stories of hardship […]
The post GFC 076: The One Monthly Payment KILLING Your Wealth appeared first on Good Financial Cents®.
Looking for a new job is a multi-faceted process. I’ve discussed many aspects of career-building that apply even if you are just trying to keep a job you already have. But laying the groundwork for a successful job search is about more than just your reputation. A job search can take months — in some cases, up to a year or more — so it is very important to be prepared financially before you start to look.
To cover the gap between your last paycheck at your old job and your first paycheck at your new job, it is a good idea to beef up your savings. There are many reasons this could be the case: You may need to relocate for your new job, you may find it difficult to time your start and end dates, or you may be laid off or terminated before you can line something else up. These challenges can have a ripple effect on your finances.
For example, if your new job will require that you relocate, your significant other may also need to leave their current job. If you are the primary breadwinner in your family (or you are single) then having a gap in your income can have a major impact on your life. This is especially the case if you are living paycheck to paycheck.<
Here’s the deal: We found that the best bad credit personal loans when you are self employed come from NetCredit, which we explore more deeply in this post. We also look at the best good credit personal loans for the self-employed (SoFi) and the best personal loans for the self-employed when it comes to customer […]
The post Personal Loans for Self-Employed appeared first on The Simple Dollar.
Get started today by slowly increasing your savings rate and splitting your raise in two.
The post How to save money the easy way appeared first on Discover Bank – Banking Topics Blog.
25k salary is below an entry-level salary and hovering at most minimum hourly wage jobs. For most people, an entry-level job would…
Read More… $25000 a Year is How Much an Hour? Can I Survive on This?
Setting money aside for a future time is always a wise decision, but not always an easy one. Add to this the choice between saving your money and investing it, and the task can become a bit overwhelming. The difference between saving vs investing can be summarized like this: Saving is a way of setting
The post Saving vs. Investing: When to Leverage Both appeared first on MintLife Blog.
When you apply for a mortgage, underwriters will comb through your finances to determine if youâre a good candidate for a loan. This includes verifying a lot of personal information, including your income, assets, credit history, and employment. Without these important details, it would be impossible for the lender to assess your default risk, or… Read More »What Is Verification of Employment for a Mortgage? Proving Your Job History
The post What Is Verification of Employment for a Mortgage? Proving Your Job History appeared first on The Truth About Mortgage.