Finance

Short Term Financial Goals to Crush Debt Quickly

Short Term Financial Goals to Crush Debt Quickly

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Multiple debts are difficult to manage. Without specific long and short term financial goals in place, the vicious cycle has no end. In fact, the average American has over $38K in personal debt, not including their mortgages. Things like student loans, auto loans, and even store credit cards all play their part. So, what's the best way to tackle it? To answer this question, we created a list of short term financial goals. These tips will help you manage your revolving balances. Continue reading to find out more. How to get out of debt Getting out of debt means paying...
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When Should You Actually Get Your First Credit Card?

When Should You Get Your First Credit Card?

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With an overload of options, applying for your first credit card can seem confusing. You know you want to establish good credit, but what's the best way to do it? Additionally, many new adults are unaware of the proper steps to increase their credit score. They open a line of credit simply because they can. There's no strategy and before they know it, their outstanding balance is in the thousands. Here are a few things you should know before you get your very first credit card. Do you think you're ready? Continue reading to learn more. Understanding debt-to-income ratio Before...
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Will a Spring Capsule Wardrobe Save You Money?

Will a Capsule Wardrobe Save The Earth? (And You Money?)

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Seasonal clothing is popular amongst trendsetters, but how beneficial is it to the Earth's longevity? Is it worth the time and investment for the average shopper? Is it possible for a spring capsule wardrobe to save you money in the long run, or is a just a bunch of hype? If you're looking to buy a few springtime clothing pieces this year, then this post is for you. Continue reading to learn more. Create a spring capsule wardrobe With considerations such as time, closet space, and fashion preferences, a summer or spring capsule wardrobe seems like a lot to do....
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The Most Popular Way to Finance Home Improvements

How To Pay For Home Improvements

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The beginning of the year marks the start of multiple projects. Homeowners want to make big changes during the Springtime but aren't sure if they can fund them. If you're in the same dilemma, let's look at the most popular way to finance home improvements. Different types of home improvements For starters, there are multiple things you can do to your home. Common projects include kitchen remodels, bathroom remodels, flooring, and landscaping upgrades. Even if you know exactly what you want to do to improve the value of your home, you may still wonder the best way to pay for...
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Quickly Improve Household Income and Cash Flow

How to Find Your Side Hustle And Pad Your Bank Account

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The first few months of the year mark the time to repay last year's debts. We want to pay off our bills, and we want to do it quickly. Furthermore, we desire to have a little extra money left over. In this post, we discuss how to side hustle and create more cash flow. Find out all the ways to loosen your budget by reading more below. Understanding your household income Before we begin with ways to earn extra money, we want you to think about your budget. In order to improve household income, one must first come up with...
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How to Avoid Falling Victim to Online Christmas Scams

How to Avoid Falling Victim to Online Christmas Scams

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Preventing online Christmas scams may seem complicated, but it's really not. The well-informed consumer can avoid falling victim by staying aware. Additionally, using some safeguards will help to deter holiday fraud altogether. So what do savvy consumers know? We'll cover the best tips to protect your wallet and your identity. Before the Grinch decides to steal your Christmas, learn how to sniff out online Christmas scams by reading more below. 1. Call out when someone is being fake Many online fraud scams start by misusing your trust. Thieves will pretend to be public officials or even relatives. This is why you should never...
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How To Improve Years of Crazy Black Friday Consumer Spending

How To Improve Years of Crazy Black Friday Consumer Spending

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In less than a week, stores everywhere will offer some of their biggest discounts of the year. Of course, everyone talks about it, but what do we really know about Black Friday consumer spending? We're here to highlight a few facts, as well as discuss how to improve our shopping habits. Additionally, we'll look at some of the newest retail trends the stores plan to provide. Throughout this article, we'll cover every detailed way to take the crazy out of the Black Friday bonanza. Continue reading to learn more. Black Friday consumer spending over the years As recent as last year, shoppers...
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Sneaky Ways Store Credit Cards Make You Lose Your Money

7 Sneaky Ways Store Credit Cards Make You Lose Your Money

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How many times have you been asked to sign up for store credit cards? And, how many times have you followed through? For some, shopping comes as second nature. The excitement of buying new items creates fulfillment and happiness. However, having multiple retail store credit cards can actually make you lose money. We're here to discuss the 7 sneaky ways store credit cards can negatively impact your finances. 1. They have mountainous interest Interest is a huge obstacle when it comes to finances. The average store-brand card has an APR of 26.38 percent. That is very high in regards to paying...
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Do These Smart Money Moves Before the Holiday Season

7 Smart Money Saving Tips Before the Holiday Season

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The inevitable holiday season is only 12 weeks away. Sure, we know you still feel the warmth of the summer sunshine and you've barely even considered this year's Thanksgiving plans. However, in exchange for our promptness, we offer a few bonafide tips to help your wallet. That's right. We'll cover some smart money moves that'll have your pockets full of excess cash before you can even say your first, "Merry." Furthermore, there's plenty of time to put these suggestions into practice. By using our super easy ways to earn a little money, you'll create a great surplus for holiday gifts. Continue reading to learn...
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Millennials Report Having a lot of Existing Consumer Debt

Millennials Report Having a Lot of Existing Consumer Debt

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A lot of big decisions happen between the ages of 25 to 34. Most people graduate from college, start a new job, purchase a home, and perhaps, get married. The current generation within this age bracket, called millennials, has been influenced financially as they transition through these life-changing milestones. At the same time, many find themselves dealing with a ton of consumer debt. Let's look at the numbers A study done by the U.S. Department of Labor states that the average American between the ages of 25-34 spends $1,903 annually on clothing. Additionally, they spend approximately $3,131 each year for dining...
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