When money is tight, having a reliable, steady paycheck makes a huge difference. Many people these days don’t have a reliable source of income – either hourly wages are too low to be consistent or multiple jobs are necessary to make ends meet. However, there may be another factor that could be limiting your paycheck: your health. Poor health can have a serious impact on your overall paycheck, depending on your job and circumstances. Starting Young Health issues are linked to absenteeism both at work and earlier on in life at school. For those families easily able to afford healthcare, absenteeism due to chronic conditions is usually less of a problem. However, when affording preventive care isn’t realistic, children can end up missing surprising amounts of school time. Even dental health, which often goes overlooked, can have a serious impact.
As a new manager, it can be hard to get your team on your side. This is made even harder if you’ve never held a management position before. But everyone has to start somewhere, and it’s vital you tuck great habits under your belt when you first start out. Being a great manager takes a lot of work but it’s worth it in the end to see your business — and your employees — thrive. It’s through low levels of unemployment and efficient management skills that New York City’s economy was able to grow by more than 3% in the first quarter this year despite the average American holding more than $38,000 worth of debt.
Updating your wardrobe can be surprisingly expensive, yet many still purchase new clothes for every season. The number of fashion consumers is expected to grow to over 1.2 billion by 2020. However, if you find yourself counting your cash before hitting the store, use some of these tips to save on your next shopping spree.
Moving can be incredibly expensive, but it’s a cost many people run into several times over their life. In fact, the average American moves about 12 times in their life. If you’ve been renting most of your life, buying your first house comes with many steps you might not know you need to take. Don’t forget these steps when you move to a house for the first time. Check On Your Insurance While you might have had renter’s insurance before, you might not have a homeowner’s insurance plan in place if this is your first house. 93% of American homeowners have at least basic homeowners insurance, and it’s important to have at least a basic level of coverage for your first home. This will protect you against certain expensive problems that can come up in owning a home.
After a few years, renting can add up to be pretty expensive. If you’ve got the money saved up for a down payment, you might be thinking about purchasing a home instead. After all, home ownership is the better option long-term, right? Well, if you’re not careful, owning a home can get expensive very quickly. Be sure you’re accounting for these extra expenses when you’re looking to buy a home. Closing Costs When you’re looking at the listing price of a home, expect to pay a few thousand dollars over the number you initially see. Even if you negotiate on the price of the home, closing costs and fees can drive the price back up. Try to budget an extra 2% to 5% of the home’s cost for closing fees.
In today’s modern world, cars can seem like a necessity, and it’s not hard to see why. Many jobs will require you to have your own form of reliable transportation, and for most people that means saving up to purchase a vehicle of their own. This could be why the auto industry is continuing to grow, with experts predicting that approximately 107 million vehicles will be manufactured worldwide in 2020. But is your car really worth owning? Cars can be incredibly expensive to maintain, lose their value quickly, contribute to climate change, and are risky to both you and others. Here are a few reasons it might be time to ditch your car for good.