Rainy Days
Show Summary Welcome back to the Real Estate Investing Secrets show! Today, we are going to talk about “rainy days”! The power of building your business to the point to where ‘rainy…
Show Summary Welcome back to the Real Estate Investing Secrets show! Today, we are going to talk about “rainy days”! The power of building your business to the point to where ‘rainy…
If you’re ready to account for where every cent of your money goes, You Need a Budget could work for you. The app is based on the premise of “giving every dollar a job,” meaning you budget for every expense — fixed, discretionary or otherwise. Want to buy a new purse or pair of shoes? If your monthly clothing budget is $100, then you may not be able to afford it this month. Friends want to double date at that trendy new Italian restaurant? It may not be in your $200 dining out budget.
The app makes budgeting straightforward, allowing you to see how much over or under you are for a particular line item. But it’s best for people who want to get serious about how much they actual spend and where they may need to make sacrifices to achieve a larger goal.
Zero-based budgeting is tough, but I can see its value. You have to account for every dollar coming in, either using it to cover monthly household expenses, pay off debt, for dining out and for what YNAB calls “quality of life” expenses like vacation. During this process, I realized that I’m not as good a budgeter as I thought. I do a good job of tracking our spending after the fact, but I could improve when it comes to setting aside money for specific purposes — basically being more financially proactive. For example, before using this app, I had no idea how much my husband and I spent each month dining out and we never really set aside a specific amount for this purpose. It was more like “we’ll eat out no more than two times a week.” I also had no gauge of my own discretionary spending, since this money comes out of my personal account. Using the tool allowed me to see that we spend less than $200 a month eating out, but that I need to keep a better eye on my discretionary spending for things like beauty and hair products and anything from Amazon.com (Amazon Prime admittedly has turned me into a shopping junkie). We plan to buy a house within a few years, so YNAB allowed me to see that these are two areas where we (or I) could curb spending and put that additional money toward a down payment. Actually seeing the budget also showed me that we could be saving more. We have more cushion than we need in our account for household expenses, so it might be better to put more of that money toward retirement or paying down my student loans.
Show Summary What’s up, everybody?! Welcome back to the show! Today, I am going to share some thoughts with you about a question that came from a friend of mine. He was…
When I started Good Financial Cents in 2008, I had no idea what I was getting into. I had an inkling of how to use WordPress to create and publish content, and I knew I wanted to reach potential clients for my old financial planning practice, which I no longer own. Thatâs about it! Fortunately, […]
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Real estate crowdfunding platforms like RealtyShares give investors a piece of development deals for as little as $1,000. But is it a good investment?Real estate crowdfunding platforms give investors a piece of development deals for as little as $1,000. But is it a good investment?
The post Should you invest in real estate crowdfunding? appeared first on Money Under 30.
A penny stock is a share of a small public company that initially trades at a very low priceâusually under $5 per share. This is just one way you can start investing for under $100. Theyâre also referred to as micro-cap stocks, small cap stocks, or OTC stocks. Penny stocks are enticing for some investors
The post Penny Stocks: Guide to Penny Stock Trading & Investing appeared first on MintLife Blog.
Show Summary Welcome back to the show and Merry Christmas!! I’m recording this two-part series that we’re going to share with you over the next two episodes on Christmas Eve! I…
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Betterment offers the best combination of investment options, tax-loss harvesting and low fees of any robo-advisor – with no minimum investment requirement.
The post Betterment Review: The Original Robo-Advisor Service appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.
Amazon has rapidly become one of the largest online marketplaces â in fact, itâs one of the biggest marketplaces of any kind. The site sells everything from paper towels to luxury TVs to jewelry and has grown rapidly from its humble beginnings as a simple bookseller. With a business model that prioritizes consumer convenience and
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