7 Goals You’ll Want to Set For 2019

goals you need to set for the new year

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Buy a mansion, marry a gorgeous woman, and drive a Mercedes – these were the goals of my 20-year-old self. Thirteen years later, I’ve matured slightly (I won’t give myself too much credit here)… Instead of fast cars and mammoth status symbols, I’m setting up goals that won’t just give me temporary delight, but rather, long-term happiness. Want to know what goals you need to set for the new year? This is the place, and this is the time. Let’s do it!

7 Goals You Need to Set For The New Year

Want to succeed in life? Then you’ve got to cover all your bases…ie. the most important categories of your life.

According to Zig Ziglar, these main categories are: Spiritual Physical . . . → Read More: 7 Goals You’ll Want to Set For 2019

How Women Can Negotiate A Higher Salary

women can negotiate a higher salary

By now, it’s no secret that women earn less than men. There is still such a thing as a wage gap. However, did you know that one of the most common reasons for women earning less than men is that women are less likely to negotiate their salaries or ask for raises? While there is nothing wrong with getting “your foot in the door”, there is much to be said about being paid what you’re worth, and how to get to that point. So here are 4 ways women can negotiate a higher salary.

How Women Can Negotiate a Higher Salary

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

1) Don’t Be Afraid of Rejection

One way women can negotiate a higher salary is to not be afraid of rejection. You may not always get a raise or your requested salary on the first try, especially . . . → Read More: How Women Can Negotiate A Higher Salary

What Should You Do If You Can’t Afford Your Student Loan Payments?

can't make your student loan payment

“Go to college” they said. “Get a degree in something” they said. “Then you’ll find a great job and prosper. Unfortunately, they said nothing about how much is too much when it comes to student loan borrowing. Oh, and they failed to mention the highly competitive job market….So now you’re stuck with a mediocre job and can’t afford your student loan payments…

You’re in a mess, but you don’t want to do something stupid that puts you in an even bigger hole. So what are your options? What should you do if you can’t afford your student loan payments?

What Should You Do If You Can’t Afford Your Student Loan Payments?

First of all, you’re not alone in this. Out of 5 million student loan borrowers that entered the workforce in 2014, nearly 600,000 of them have already defaulted on their loans – that’s over 11%!

The key here isn’t . . . → Read More: What Should You Do If You Can’t Afford Your Student Loan Payments?

Short Selling and Its Restrictions

short selling the market

Short selling has been a popular trading strategy for years, dating back to the early 1900s. There were no restrictions on short selling at one point. Regardless of the status of the stock that is selling, traders were able to short sell. Recently, in order to regulate the market and keep this practice from affecting the market in a negative manner, restrictions are in place.

Overall, short selling is a perfectly legitimate trading strategy. It can yield large profits if you know what you are getting into. While many may have heard of this trading tactic, most do not actually understand exactly what it means to short sell or how to use it to their advantage. By having an understanding as to what exactly short selling is and how it has helped many people make money, you can decide whether or not it is a good opportunity for you.

Short . . . → Read More: Short Selling and Its Restrictions

7 Alternatives to Traditional Housing for the Motivated Saver

alternatives to traditional housing

Tired of hopping from one rental home to the next, but not quite at the point where you can own, or maybe even want to own a home? It may be time to consider venturing off the beaten driveway and start exploring some other backyard options. It’s time to start exploring alternatives to traditional housing! And, believe it or not, there are quite a few options!!

7 Alternatives to Traditional Housing for the Motivated Saver

This is a guest post written by Kerah Kemmerer

Housing costs are one of the greatest expenses in our society and it often feels like you’ll never be able to jump out of the monthly rent cycle and pursue your dream of home ownership – or, investing, if that’s where your passion lies. But it’s not all hopeless. Whether you are single, a couple, or just starting your family, here are seven alternatives to traditional . . . → Read More: 7 Alternatives to Traditional Housing for the Motivated Saver

5 Tips to Save Money When Buying A Home

save money when buying a home

Buying a home isn’t a decision to blink at. Matter of fact, the average cost of a home in the United States is $188,900! When you’re considering big cities, full of excitement and entertainment like New York City, Los Angeles, or Miami, the prices skyrocket. Want to save money when buying a home? It’s definitely not easy!

However, rest assured, finding your dream home while not breaking the bank is very much possible. For example, let’s say you want to buy a house in Miami—with certain flat fee MLS services like beycome, you’ll get 3% of the listing price back. So, going back to the above example, for a house that’s $188,900, 3% of that would be $5,667—which could be used for mortgage payments, brand new furniture, or other expenses. That sounds pretty good to me!

5 Tips to Save Money When Buying a Home

Beyond the initial cost . . . → Read More: 5 Tips to Save Money When Buying A Home

When is the Right Time for Car Loan Refinancing?

right time for car loan refinancing

Car loan refinancing can help save money. For many people living in the United States, having a car is more of a necessity than an option. Whether it’s for work or dropping kids off at soccer practice, there are tons of reasons why people need a vehicle. The big question is, “When is the right time for car loan refinancing?”

Most car buyers aren’t going to be able to afford such a large purchase without some form of financing. About 107 million Americans currently have debt on a vehicle. That translates to well over 40 percent of the total adult population of the U.S. No matter who you are, or how much you owe, you’ll be better off if you can pay less on your loan. This is sometimes possible through refinancing your car loan.

When is the Right Time for Car Loan Refinancing?

The following is a guest post . . . → Read More: When is the Right Time for Car Loan Refinancing?

How To Avoid Lifestyle Creep And Invest In Your Future

avoid lifestyle creep

You’ve done it. You’ve secured a better paying job, you’re earning bonuses, or maybe you just got an increase in your income. And yet, when you look at your bank account, you still don’t see the rewards of your hard work and efforts to earn more money. That means that you, my friend, are experiencing the dreaded lifestyle creep. It’s time to learn how to avoid lifestyle creep…and by doing so, become wealthy.

How to Avoid Lifestyle Creep and Invest in Your Future

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

What is lifestyle creep? The simple definition is when an individual changes their standard of living due to their income rising. So, something that was once a former luxury now becomes a necessity. Examples may be getting a bigger apartment or house because you can “afford” higher payments, joining an expensive gym, or even something as . . . → Read More: How To Avoid Lifestyle Creep And Invest In Your Future

9 Ways To Travel Frugally This Holiday Season

travel frugally this holiday season

Ah, the holidays. Food, family, gifts, and more are celebrated during the last three months of the year. And while it’s certainly easy to travel on a budget at any time of the year, it does seem significantly harder to do during the holidays. With travel being the biggest holiday expense for over 43% of Americans, it’s no wonder many people fear that it will cost them an arm and a leg to get home to their loved ones. But it doesn’t have to be that way! Here are 9 ways to travel frugally this holiday season.

9 Ways to Travel Frugally This Holiday Season

This post was written by our staff writer, Kimberly Studdard.

1) Book At The Right Time

While earlier is always better when it comes to air travel, you still have time to get a good deal. When looking for tickets (even for trains and buses), . . . → Read More: 9 Ways To Travel Frugally This Holiday Season

Guest Post: I Started a Website…And I’m Freaking Loving It

started a blog stripped down to real

About 15 years ago, my friend Ryan asked me if he should consider dating Jessica – a girl from his church that was quite a bit younger than him. After hearing all the good he had to say about her, I told him to go for it…and he did.

Sadly, I moved away soon after and Ryan (and Jessica) and I lost touch. You know how it goes, life just happens and suddenly a decade and a half flies by… But since then, Ryan and Jessica married (I guess the photo kind of gave that away, huh? ;)), had three kids, and had a whole lot of hills and valleys in their relationship along the way. The refreshing thing about them is, they don’t hide it. They’re genuine. If they’re struggling, they’ll talk about it together and they’ll even share their struggles with others.

Simply put, they’re amazing people, . . . → Read More: Guest Post: I Started a Website…And I’m Freaking Loving It