The holidays are coming, which means now is the best time to start making your holiday budget. Budgeting reduces your risk of falling into debt, which is a lot easier than you’d think. Approximately 44% of shoppers rack up $1,000 in holiday debt every year. To help you avoid that kind of financial nightmare, here are a few simple tips you can use to keep from overspending.
First-time homebuyers will have many different responsibilities that come with owning a property rather than just renting one. From year-round yard maintenance to calling a plumber yourself, homeownership can seem much more expensive than you were expecting, especially in the first year. While 78% of recent homebuyers thought that their real estate agent was a very useful source of information regarding these types of expenses, many first-time homeowners still aren’t aware of a great financial perk. As a homeowner, you can receive certain tax breaks that renters can never claim.
I am not an app fanatic. Yes, we all have them. However, I use some in a utilitarian sense. I don’t spend all day religiously downloading apps. Also, can you refund apps? Most people don’t ask that question because they are too busy using them. I have apps for finances and favorite magazines. Also, I have a mixology app to
Scientists have said that mathematics is the language of the universe. Still, it seems that most people have yet to master it here on Earth. Take financial literacy for example. Financial literacy is the basic skill needed to manage personal finance. About two-thirds of Americans can’t answer basic finance questions. Consider: You take out a $1000 loan at 20% interest.
Work-related injuries are always something you hear about but aren't necessarily something you thought you'd suffer from yourself. Workplace injuries can be traumatizing, painful, and can negatively impact your ability to maintain employment. That being said, it's crucial to know what to do and what your financial options are after you've suffered a serious workplace injury. We've compiled some of
People usually say, “that’s easier said than done,” when they want something, but don’t want to sacrifice to get it. It takes time and the appropriate mindset relative to responsible personal finance to become wealthy. Over 26% of Americans are confident they they’ll become wealthy one day – they just don’t know how exactly. And, they’ve done absolutely nothing to