Finance

have fun

Fun For Free (Or Close To It)

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You don’t have to spend a fortune to have fun. In fact, some of the most memorable moments are free! Finding time to have fun, and spending time with our loved ones, is important for so many reasons. Improved health, increased productivity, and overall life satisfaction. Yet, we tend not to prioritize it. Sometimes, the reason is a tight budget. Let’s nip that excuse in the bud now. Here are some great ways to have fun for free, or close to it! Here are just a few fun ideas on a tight budget: A water gun fight in your own...
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4 Smart Ways to Earn Incentives with Your Friends

4 Smart Ways to Earn Incentives With Achieva

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Achieva Credit Union members have a brand new opportunity to earn incentives with Achieva for both themselves and their friends. Those with a current account can share the joys of GOOD banking via Achieva's Refer-a-Friend program. Powered by ReferLive, there are four simple ways to receive real cash. Refer your friends, and you’ll both earn $50* When your friend signs up as a member using your referral, you will both earn incentives. There are no limits to the amounts of friends you can invite, so the more, the merrier. The referrer and the invitee will both receive $50 if the invitee opens...
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Money Journal Prompts to Last the Rest of the Year

7 Money Journal Prompts to Improve Finances

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People thrive where they place their passion. If it's on the mind, dedication towards the subject will create awareness, thus improving the odds of being successful. Could writing money journal prompts increase the relationship between a person and their wallet? Experts around the globe say, "Yes." Commit to wealth tracking for just 90 days Rachel Cruze, the author of multiple bestselling financial books, states that people should "Consider what [they] can do as an individual to move beyond complacency." Actively creating money journal prompts may be the big push that someone needs to work towards getting ahead. It starts by having...
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extra cash

Five Creative Ideas to Make Some Extra Cash

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How would you like a little extra cash? If you’re shaking your head yes, then you should keep reading! Most people would enjoy making a little spending money on the side. Throw in a stressful, challenging crisis, and the idea becomes almost a necessity. Good news! There are TONS of great ways to pad your budget. Even better, it doesn’t involve digging through your couch cushions—not that we’re saying that’s a bad idea. Here are a few ideas you can try: 1. Become an affiliate marketer. It’s NOT as hard as it sounds. When you find a cool product, you...
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Bad Debt Tops Over $100 Billion in Expected Defaults

Easy Ways To Avoid Bad Debt

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As businesses make their quarterly earnings announcements, the nation's five largest lenders expect a loss. Wells Fargo, Bank of America, Citigroup, JPMorgan Chase, and U.S. Bancorp claim that defaults due to the Coronavirus will cause a significant amount of debt. Collectively, the amounts of projected damages top over $100 billion. How can you avoid bad debt when these companies couldn't? How companies are handling debt worldwide A shift in retail sales caused many suppliers abnormality regarding their inventory and cash flow. Major companies, such as Nike, reported to the U.S. Securities and Exchange Commission that they have millions of dollars in bad...
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Understand Credit Card Interest and Get Better Terms

Understand Credit Card Interest and Get Better Terms

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We talk a lot about budgets. We promote wise spending, as well as making fruitful investments. When it all boils down, a lot of our financial maneuvers depend on our creditworthiness. Is there a way to master a revolving balance? Can we better understand credit card interest to obtain more beneficial terms? The answer is YES. The more you know about credit scores, balance transfers, and APRs, the more you can use them to your advantage. In a timeframe as short as six months, smart consumers can reduce their credit card interest significantly. What do they know that others don't?...
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Buyer Beware: The Loopholes of Online Purchase Protection

Buyer Beware: The Loopholes of Online Purchase Protection

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Consumerism through the internet is on an uptick. Now, before we get started, keep in mind that the majority of eCommerce transactions are safe. However, there are times when misled buyers must register in an online purchase protection policy. We've analyzed popular web-based platforms for loopholes. Below is everything you need to know before clicking submit.  Facebook purchasing policies and safeguards According to Facebook, their online purchase protection policy states that the buyer should make sure that the purchase is eligible before proceeding. Purchases deemed ineligible won't be able to fall under the safeguards of Facebook's shield. So, what does...
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Do Preppers Stockpile Cash Around Their Home?

Where To Store An Emergency Cash Fund

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There are hundreds of tips on how to be a survivalist; however, what is a prepper's stance on money? Do they stockpile money around their home or have a secret emergency cash fund? To answer the question, let's look at the reasons for prepping and what the procedure can teach us about finances. Prepping basics 101 Preppers actively prepare for emergencies and shortages. They stock their homes with enough reserves to survive on their own. Since the act depends on access to accumulated resources, it's easy to understand why some question a prepper's need to have an emergency cash fund...
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How to Help Your High School Graduate Manage Money

How to Help Your High School Graduate Manage Money

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The act of budgeting seems for the well-established; however, on the contrary, proper wealth development starts before adulthood. Regardless of where your household is the financial timeline, there are ways to help your high school graduate manage money. If your student recently received their diploma, be sure to review our fiscal planning tips below. Financial advice for high school students Preparing for a stable financial future includes creating a solid savings plan. To help your high school graduate manage money, instill the importance of setting aside between 5-10% of their earnings. The practice will give them a benchmark for later accomplishments. ...
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Simple Ways to Build Home Equity for Under $1000

Simple Ways to Build Home Equity for Under $1000

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The key to developing wealth is through wise investments. Savvy homeowners show financial stability by making timely payments on their mortgage; however, it doesn't end there. In addition to increasing their property value, they also know how to build home equity. All of these factors are important when leveraging a HELOC, or accumulating assets.  When you build home equity, you secure a resource for the future, all of which you can borrow cash against later. If you're a homeowner, ready to make the next move, make sure to view our tips below. You'll see three ways that $1000 can boost...
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