One Profound Tip to Survive in High Rent Areas

survive in high rent areas

Do you live in New York? Boston? San Francisco? Maybe Miami? If you live in a high cost-of-living area, getting by can seem tough, let alone paying down debt or getting ahead financially (like I always harp on you to do).

If you’re struggling to pay the rent and can’t possibly comprehend saving money at the end of each month, maybe it’s time to take a different approach.

How to Survive in High Rent Areas

What if, instead of living in a miniature 350 square foot, one bedroom apartment, you rented a bigger place and shared it with a few other folks?

I know, I know. At first it doesn’t sound ideal at all, but what if I told you that you could save nearly a thousand bucks a month on rent? Do you realize the impact that this could have on your debt snowball? It’s at least worth taking . . . → Read More: One Profound Tip to Survive in High Rent Areas

18 Tips to Get Rich (From Actual Millionaires!)

Tips to Get Rich

Millionaires.

They drive through their gated communities on golf carts, give fake smiles to everyone they see and wave that silly open-fingered punch as if they’re giving a high-five to your forehead. They dine at the local country club and eat only in miniature because that’s the classy thing to do. Never would you catch them in your local grocery store or gas station. They’ve got servants for that kind of thing.

Ummm…. I don’t know how to break this to you, but the above paragraph is absolutely false (and is only relevant in 3-star movies or less).

In the real world, millionaires walk among us each and every day. In fact, there are 10.4 million millionaires in the United States today, which means that if you see 300 people a day, 10 of them are millionaires….And I bet you couldn’t pick them out either.

18 Tips to Get Rich . . . → Read More: 18 Tips to Get Rich (From Actual Millionaires!)

How I’m Saving $2,400 a Year on Healthcare Costs

healthcare costs

As a self-employed individual, one of the questions I get asked the most is what I do about healthcare costs.

At first, I got lucky. The Affordable Care Act went into effect before I turned 26, so I was covered under my father’s plan for almost a year. Then, things got more complicated.

This post was written by Amanda Abella, a talented speaker and writer of personal finance.

How I’m Saving $2,400 a Year on Healthcare Costs

Over the course of the next three years, I would try different ACA plans to manage my healthcare costs. Then, at the end of 2016 I ended up at the urgent care and decided the ACA plans weren’t worth the headaches.

Here’s a rundown of all the headaches in 2016: My premiums for 2017 would have been in the $350 a month range for a Silver plan with a $6000+ deductible. At this . . . → Read More: How I’m Saving $2,400 a Year on Healthcare Costs

Self Talk of the Rich vs. the Poor

self talk of the rich vs the poor

According to Psychology Today, NPR.org, and many other reputable sites across the world wide web, self talk is more than just a confidence booster. It’s more like an internal remodeling. And it can absolutely have a positive or negative affect on your health, your intelligence, and from what I’ve seen….your finances.

Self Talk of the Rich vs. the Poor

I can already hear the hate mails coming my way…

“The poor can’t help their situation. Stop being ignorant.” “You think the key to wealth is simply through self-talk? That’s fricken ridiculous…” “You privileged white male… You have no idea.”

Bull.

If you don’t think it’s possible for someone to rise from the ashes of poverty, then you must have had your head in the sand for the last hundred years.

It happens every day, and it starts with self talk.

Without proper self-talk, the poor will stay poor and the . . . → Read More: Self Talk of the Rich vs. the Poor

5 of the Best Hobbies to Have (or Begin!) for Earning Cash

Best Hobbies to Have for Earning Cash

If you’re racking your brain to come up with a way to earn some extra money this month, the answer might be right under your nose.

Most of us either have a hobby we enjoy, or we had one, once upon a time. Dig that instrument out of the closet and you’ll find that, like riding a bike, the basic knowledge is still there. Rusty, but there.

This post was written by our talented regular writer, Jamie Jeffers.

5 of the Best Hobbies for Earning Cash

My music instructors passed on the often told advise that if I just put in 15 solid minutes of practice per day, I’d be a better musician than most. Now I know that they were just trying to get me to pull my flute from its case. The truth is, getting started is the whole hurdle. Once you jump that, 15 minutes melts into . . . → Read More: 5 of the Best Hobbies to Have (or Begin!) for Earning Cash

6 Little Known Employee Benefits You Should Ask About

Little Known Employee Benefits

When I worked as a recruiter, job candidates would often ask me about the employee benefits that came with the job.

What I realized was that most people knew about the basic benefits like healthcare, 401(k), and paid vacation time. What they didn’t know was there are more employee benefits to ask about.

6 Little Known Employee Benefits You Should Ask About

Here are a few of the little known employee benefits you may want to ask about at your job (or when hunting for the next one).

This post was written by Amanda Abella – a fantastic speaker and author of personal finance.

1) Student Loan Repayment

Companies are starting to consider offering student loan repayment as one of their employee benefits. Quite frankly, there’s a demand for it.

Only about four percent of companies currently offer this, so it’s still pretty new, but it doesn’t hurt to ask. . . . → Read More: 6 Little Known Employee Benefits You Should Ask About

How to Stay Motivated After Getting Out of Debt

Stay Motivated After Getting Our of Debt

There’s no shame in slowing down a little bit once you get out of debt, but there are so many people that take their foot off the gas completely! And sometimes they even start driving in reverse and dive back into debt! Why is this? And what steps can you take to stay motivated after getting out of debt?

Why Do People Go Back Into Debt After Getting Out?

You’d think that once people rid themselves of their debt, they’d vow never to go back in, but it honestly seems to happen more often than not. So what on earth are these people thinking? What is it that drives them back into debt?

1) It’s a Habit

It’s incredibly easy to buy stuff you can’t afford, and when you’ve done it all your life it’s crazy difficult to kick the habit. With the media swirling all around you, telling you . . . → Read More: How to Stay Motivated After Getting Out of Debt

Weekend Side Hustles That Can Make You Extra Cash

Weekend Side Hustles

If you have decided that you want to make extra money this year, you’ve probably come across the term “side hustle”. A side hustle can bring you extra cash, fulfill your need for a hobby, and even turn into a full-time gig.

Weekend Side Hustles That Can Make You Extra Cash

But what if you don’t have the time for a side hustle just yet? Well, this list of weekend side hustles may be just the thing you need. These side hustles are perfect for those that don’t have a lot of time!

This post has been written by our regular writer, Kimberly Studdard.

1) Drive People Around

Most likely you’ve heard of Uber or Lyft, so why not drive for them? Some recent articles have shared that people can make a full time income driving for them, but even if you don’t, driving people around could make a great . . . → Read More: Weekend Side Hustles That Can Make You Extra Cash

4 Ways to Enjoy March Madness on a Budget

Enjoy March Madness on a Budget

Several years ago, I was watching the local news when the sportscaster came on to announce the winner of the citywide March Madness bracket tournament. The top prize was a year’s supply of pizza.

This post was written by our staff writer, Jamie Jeffers.

The winner turned out to be my husband. The pizza was a mixed blessing, because we were young, newly married, and I was expecting our first child. We could use the free food…though the smell of that pizza upset my poor pregnant stomach for months.

Our love of baseball is one of the things that first brought my husband and me together. So it’s no surprise that he’s always connected to sports. His phone sings the ESPN song every few minutes.

4 Ways to Enjoy March Madness on a Budget

Happily, some of my frugal habits have rubbed off on him. He’s learned to enjoy sports . . . → Read More: 4 Ways to Enjoy March Madness on a Budget

Will You Have Enough Money to Retire? (Use This Free Tool to Find Out)

Will You Have Enough Money to Retire

“Will I have enough money to retire?….Or will I end up broke, surviving on dog food and spam?” I joke about it, but this is a serious worry for 99% of us today, and why shouldn’t it be? Socking money away for retirement isn’t easy, and it can get pretty complicated figuring out exactly how much our monthly contributions will grow into 40 years from now.

That’s why I created this simple tool, “The Retirement Calculator“.

Simply click the link and the calculator will download to your PC – you’ll see it in the lower left-hand corner of your screen once it downloads.

Will You Have Enough Money to Retire?

To figure out if your money will last through your entire retirement, you’ll have to answer just five simple questions:

How old are you? At what age do you want to retire? How much money is currently in your retirement . . . → Read More: Will You Have Enough Money to Retire? (Use This Free Tool to Find Out)