Creating a monthly budget can be intimidating the very first time, “What do I include in my Monthly Budget?” Every little purchase starts to add up so it’s important to not overlook even the small insignificant seeming stuff. Setting up your budget for the first time may not be what you call fun, but it […]
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Pros: Cons: Want a more detailed review of Acorns? Is Acorns Worth It, An Honest Review What is Acorns and how does it work? Acorns is an investment app that allows users to invest their spare change from everyday purchases. The app links to your bank account and rounds up each transaction to the nearest
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Definition of Zero-Based Budgeting Zero-based budgeting is the process of creating a financial game plan that assigns a purpose to every dollar you make. The purpose or expenses then get subtracted from your monthly income. The desired result is a perfectly balanced budget with zero dollars left over. Hence, zero-based budgeting! Advantages of Zero-based Budgeting
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We had talked about kids before marriage, agreeing it was in our future, but never set a concrete date to start trying. To be honest I was enjoying life. We were happy, traveled spontaneously, drank a little more than we should have at times, and hell, I loved sleeping in on the weekends. It was
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Okay spoiler alert: That’s not my yacht, but this is my guide on how I became a millionaire by 30. Many may think it, but money does not buy happiness. I truly believe that statement. However, wanting more in life is not a crime. I’ve always been driven in my endeavors and money just happens
Basic Investment Options Investment options are seemingly endless. There are stocks, mutual funds, CDs, Index Funds, ETFs, money markets, bonds, etc. But in this article let’s discuss the differences between an index fund vs ETF vs mutual funds. Let’s face it, most of us are researching this topic because to put it no easy way;
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Discount Points When comparing mortgage rates you may notice that lenders offer different interest rates based on “points.” So how do mortgage points work? Mortgage discount points are a percentage-based fee you pay at the mortgage closing date in return for lowering the interest rate. In the lending world, you may hear discount points also
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Shopping for a mortgage? What is the difference between a mortgage interest rate vs APR? A simple understanding can save you a ton of money on your loan. Interest Rate: Mortgage interest rates are a percentage-based number that will be paid on the principal loan amount throughout its 15 or 30-year life. This is normally
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College students are busy! I’ve been there and know how it feels. Unfortunately, universities have no sympathy for your empty pockets and continue to raise tuition costs year after year. Below is a list of high pay jobs for college students that can help offset your tuition. Students need jobs that have flexible schedules but
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I would be lying if I told you I wasn’t hesitant about buying a diamond engagement ring online. After researching the subject thoroughly, I want to share with you why James Allen put my mind at ease and what policies/services they offer which put my mind at ease. 1. Pricing Buying a loose diamond and
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