Save money with these three tips Comments Off on Save money with these three tips 274,920

There are a lot of things that are infinite – the universe, the human imagination, love, etc.; one of the few things that isn’t infinite though is money. Yes, money. Like most things in this planet, money is not infinite. Like our health, we have to plan how we use it or we inevitably run out. We don’t need to tell you that money might just be the most important currency on the planet. Here are a few tips to help you manage yours better.

Plan budget

Most people live off salaries. It’s not some big shame or some evidence that you belong to the middle class, it’s just the way things are – meaning some have more money than others. And so, when your salary comes in, the smart thing to do is budget said salary to make sure you don’t run through it before the month is over. When people hear the word “budget,” they think only people who don’t make enough do that, “or it’s just for married people.” It’s not. In fact, budgeting is a sign of thoughtful financial planning. Budgets are designed to help you curb your more impulsive spending habits and they can help you set aside a significant sum of money for a plan you might have in the not-so-distant future. Perhaps you want to move out of your apartment and rent somewhere better, surprise your kid with the car of her dreams, or simply plan for retirement. There is no limit to why you need extra money; bottom-line is saving is good and it’s achievable with a sound budget plan. When making your budget plan here are a couple of things you need to know:

  • How much you spend: This is important because you want to know what a typical month of unplanned spending costs before you budget to prevent it. It would help to retrace your steps and gather your receipts, credit card bills, and bank statements to help outline your past spending habits.
  • How much you make: It might shock you to know that the amount that was promised when you took your job isn’t the amount that is in your bank account at the end of every month. 🤔 In fact, it’s usually quite a bit less. You need to get a bank statement and look at your salary after all the deductibles have been removed, that understand the real amount you make. While you’re at it, you might want to add all external sources of income like dividends, side projects, and other minor sources.
  • How much you save: There is always a purpose to every cent saved away. Once you have determined yours, you are ready to plan your budget.

Your budget plan should typically entail certain amounts sets aside for specific fixed and expected expenses. After all fixed and expected expenses have been addressed, the remaining amount should be deposited into a savings account to restrict access to it and limit your tendency to spend it when you should be saving it for the future.

Seek balance

Having quantity over quality is never a good compromise, but sometimes things don’t have to be so black and white. If you are looking to save, then you need to embrace a grey area. Sometimes to shave certain amounts off your monthly expenses, you should consider looking for a cheaper version of a product that you are used to. For example, instead of opting for farm fresh milk, you could look for a cheaper farm fresh milk that is not as expensive. Saving more money doesn’t have to include unimaginable budget cuts. Sometimes looking for a cheaper product that does the same thing is not a bad idea.

Limit spending

This part is probably the hardest yet most obvious way to save money; that is why we saved it for last. Cutting back on your spending can be terrifying and hard, but it doesn’t have to be. It can be a way to get rid of some of the unhealthy and life-threatening habits that might be ruining your life. Obviously, some habits are not as deadly as we make them out to be, but they might as well be.

When you are trying to cut down on spending, you should consider not eating out so much. These little dinners and lunches at your local restaurant could not only be unhealthy, they could constitute a bulk of your expenses. Reducing the frequency from say 10 times per month to a modest 2-3 times per month, could save you a lot of money. Other unhealthy habits you could cut down on too are; smoking, ordering food, unused gym memberships, etc.

Saving more money can sometimes be a sensitive subject that most people avoid because they have so little control of their finances. However, it doesn’t have to be such a trying and an emotionally testing subject. Budgeting, cutting down your expenses, and compromise can give you that much-needed control over your money.

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6 TV Shows We’re Binging During the Coronavirus Comments Off on 6 TV Shows We’re Binging During the Coronavirus 204,758

Due to the coronavirus, we’re not going anywhere for awhile. On the bright side, now that you’re forced to stay home, there’s no guilt in binging TV! Luckily, a few incredible tv shows have been released over the past few weeks to help with the stay at home boredom. Some shows have been out for years, but nonetheless, everyone should watch them. So, here’s the 6 shows we’re binging during the coronavirus. 

For the Jokester  

Everyone who loves a good comedy series should check out Brooklynn 99. The show highlights the interesting and hilarious detectives of Brooklyn’s 99th precinct. It premieres on NBC, but you can binge 7 seasons on Hulu right now.The Good Place is another comedy for every jokester. The four-season show observes Eleanor Shellstrop in the afterlife. She’s shocked she made it to the ‘good place’ and assumes there was a mistake. This comical journey is one you’re not gonna want to miss.

Addicting Docuseries 

Netflix knows how to make a documentary. They’ve produced a variety of docuseries that grasps viewers’ attention. Tiger King: Murder, Mayhem, and Madness is the newest one and it’s like nothing you’ve ever seen. The film follows the life of Joe Exotic and his friends, coworkers, and enemies. The people in this documentary are unbelievable and will have you begging for more. How to Fix a Drug Scandal is another trending Netflix Original docuseries. This true-crime doc explores a possible coverup involving the Massachusetts Attorney General’s office. After this series, you’ll question everything you know about the justice system. 

Dark Dramas

While drama isn’t healthy for your personal life, it does make great tv. The Ozark, another Netflix original, just released its third season and it’s perfect for binging. The first episode dives right in as you discover the main character, who is a husband, father, and financial advisor is laundering money for the second-largest cartel in the US. The series tracks him and his family as they fight for their lives by making deals with drug dealers and politicians. Another drama to watch is How to Get Away with Murder. Season 7 is currently airing on ABC, but you can binge prior seasons on Netflix or Hulu. Law professor, Annalise Keating, mentors five students through mysterious court cases that reveal hidden truths. 

With the help of these tv shows, we hope you’ll find some relief in quarantine. During this time of uncertainty, don’t be too hard on yourself to get things done. Sometimes the best thing to do is just relax and binge one of these awesome tv shows!

3 Podcasts We Can’t Get Over Comments Off on 3 Podcasts We Can’t Get Over 201,438

Podcasts are the way of the future. Think radio shows but being able to listen whenever and wherever you want. The best part about podcasts is that there’s a niche for everyone. Whether you’re into finance or the Bachelor, we’ve got you covered on the 3 podcasts we can’t get over. 

Finance is Fun!: The Financial Diet

The Financial Diet is the perfect mix of learning more about finances, different career paths and having fun. Each week Chelsea Fagan interviews a guest with an interesting job position. From Youtubers to publicists, you’re sure to feel like an insider after the episode. Chelsea pressures guests to reveal big financial numbers in their life. For some, it’s how much student debt their in while others discuss how much money they made off one Youtube video. If you’re interested in learning the finances behind different professions, check out this podcast on Spotify or Apple Podcasts! 

True Crime Crazed: Crime Junkie

If your ideal documentary is on serial killers, then Crime Junkie is the podcast for you. Crime Junkie features two true crime enthusiasts telling stories about the missing, captured, and murdered. Each episode captivates its listeners with a thrilling narration of true-crime from around the world. There are over one hundred episodes to binge, so start listening today! Another true-crime themed podcast that you have to hear is Serial. Serial started the genre of the crime podcasts and is still a true-crime favorite. The hit podcast has three seasons. Each season the hosts investigate a murder case in real-time. With new evidence pilling up each episode, it’ll be hard to pull away from this intense series. 

The Bachelor Nation’s Favorites: The Viall Files

The Bachelor is the show that keeps on giving. Between The Bachelor, The Bachelorette, and Bachelor in Paradise, ABC produces a season full of love and drama – but mostly drama. Nick Viall, the bachelor in season 21, recaps each episode on his podcast The Viall Files. Bachelor Happy Hour is another amazing podcast where co-hosts and past Bachelor contestants Rachel Lindsay and Becca Kufrindives dive into each juicy episode. 

Podcasts are great for long car rides, getting ready in the morning, or winding down at night. There are thousands of podcasts to choose from, so you’re sure to find one you like. We hope you’ll love these podcasts just as much as us! 

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