Not Bad! ‘Cash me Outside’ girl Bhad Bhabie is the proud new owner of this $6.1M Florida mansion

For Danielle Bregoli, a.k.a. Bhad Bhabie, her fifteen minutes of fame have proven to be extremely lucrative.  

When the Florida native appeared on an episode of Dr. Phil as a ‘difficult’ teen daughter, she became a viral sensation — and she’s been laughing all the way to the bank ever since.

Six years after her television debut, she’s a recording artist and social media influencer with an estimated net worth of $20 million.

close-up of Bhad Bhabie
 American social media star and rapper Danielle Bregoli aka Bhad Bhabie. Photo credit: Carlos Darder courtesy of the star’s publicist.

And she’s been investing some of her fortune in the Florida real estate market. 

Here’s the full scoop on the ‘cash me outside’ girl’s budding real estate portfolio — recently grown by the addition of a stunning $6.1 million Florida mansion.

Who exactly is Bhad Bhabie? And what did she say?

In 2016, Bhad’s mother Barbara Ann pleaded to her daughter on Dr. Phil in a segment titled, “I Want to Give Up My Car-Stealing, Knife-Wielding, Twerking 13-Year-Old Daughter Who Tried to Frame Me for a Crime.” 

Then named Danielle, the 13-year-old grew irritated by the audience laughing at her teenage antics, and she addressed them with a saying that would make her millions: “Cash me ousside, how bout dah.”

Translation: “Catch me outside, how about that,” meaning let’s take this outside the studio and engage in a physical fight.

Soon after the segment, “Cash me ousside, how bout dah” became a viral meme, and Danielle became known as the “‘Cash Me Outside’ Girl.”

As the catchphrase grew, the clip was recorded by DJ Suede The Remix God and entered in the Billboard Hot 100, Streaming Songs and Hot R&B/Hip-Hop Songs charts.

From there, the song led to a series of dance videos that were uploaded onto YouTube and she was nominated for the 2017 MTV Movie & TV Awards in the “Trending” category based on the catchphrase. 

Living the American dream

It pays off to be a teen with attitude (and poor pronunciation).

That trending catchphrase was the start of a multi-million dollar online career for the now 19-year-old.

Bhad Bhabie in front of her new house with her luxurious car, a Bentley Flying Spur worth over $200k.
Bhad Bhabie in front of her new house with her luxurious ride, a Bentley Flying Spur worth over $200k. Photo courtesy of the star’s publicist.

In early 2017, Danielle was signed by music manager Adam Kluger and she released her first single These Heaux (pronounced hoes) in August.

Reaching number 77 on the Billboard Hot 100, the single made her the youngest female rap artist to debut on the music chart.

From the success of These Heaux, Atlantic Records signed Danielle to a multi-album recording contract. 

Meanwhile, she changed her name and her social media presence was increasing at a rapid rate.

From her Snapchat reality show Bringing up Bhabie, to her extremely successful OnlyFans account, to launching her own record label, Bhad Bhabie has earned millions in brand deals with online retailers such as Fashion Nova and CopyCat Beauty.

And worldwide, her music has been streamed over 1.5 billion times. 

Not bad, Bhad Bhabie!

Bhad Bhabie’s new house & budding real estate portfolio

Bhad Bhabie is proving to be much more than the ‘cash me outside’ girl.

As it turns out, she’s pretty good at managing (and investing) her money.

Exterior of Bhad Bhabie's house in Boca Raton, Florida
Bhad Bhabie’s house in Boca Raton, Florida. Photo courtesy of her publicist.

While she leases a mansion in Los Angeles, she is the owner of two homes in Boca Raton, Fla.

Currently, she owns a five-bedroom, seven-bathroom estate that is on the market for $3.67 million, New York Post reports.

And in March 2022, she coughed up some serious cash for her latest luxurious home in the same upscale Florida neighborhood.

the living room inside Bhad Bhabie's house
The living area in Bhad Bhabie’s house in Boca Raton, Florida. Photo courtesy of her publicist.
Dining area of Bhad Bhabie's house in Boca Raton, Florida.
Dining area of Bhad Bhabie’s house in Boca Raton, Florida. Photo courtesy of her publicist.
The ultra-luxurious kitchen inside Bhad Bhabie's house in Boca Raton, Florida.
The ultra-luxurious kitchen inside Bhad Bhabie’s house in Boca Raton, Florida. Photo courtesy of her publicist.
Every successful self-made woman needs a perfectly appointed home office, and Bhad Bhabie's is flawless.
Every successful self-made woman needs a perfectly appointed home office, and Bhad Bhabie’s is flawless. Photo courtesy of her publicist.

Shelling out a whopping $6.1 million in cash, the 19-year-old internet sensation is the mortgage-free owner of an ultra luxe mansion in one of the swankiest ‘hoods in the sunshine state.

Spanning 9,288 square feet, the dope digs include seven bedrooms and seven bathrooms.

The primary bedroom inside Bhad Bhabie's house in Boca Raton, Florida.
The primary bedroom inside Bhad Bhabie’s house in Boca Raton, Florida. Photo courtesy of her publicist.
Elegant bathroom with seating area and walk-in shower.
Elegant bathroom with seating area and walk-in shower. Photo courtesy of the star’s publicist.
The generous walk-in closet inside Bhad Bhabie's house in Boca Raton, Florida.
The generous walk-in closet inside Bhad Bhabie’s house in Boca Raton, Florida. Photo courtesy of her publicist.

Built in 1983, the “modern 2020 completely redone estate” is located in a gated Palm Beach County community on an acre of land,  New York Post reports.

Bhad Bhabie’s house features a two-story guest house, hurricane impact windows and porcelain tiles throughout.

The eat-in chef’s kitchen offers a walk-in pantry and top-of-the-line appliances, and the primary bedroom boasts three large walk-in closets and an outside Jacuzzi area.

Some of  the other luxurious amenities in the smart home include a billiard/club room, a dry sauna, a wine storage space, a stunning outdoor pool and a five-car garage.

The pool area of Bhad Bhabie's new house.
The pool area of Bhad Bhabie’s new house. Photo courtesy of her publicist.

How Bhad Bhabie customized her house to suit her perfectly

And the rising young star has truly made it her own.

When decorating her new million-dollar abode, Bhad Bhabie put her love of luxury brand Channel on full display, draping her massive bed in fashionable bedding, and stocking her ultra-generous closet space with bags and luxury accessories from the same leading brand.

Inside Bhad Bhabie's ultra-stylish Chanel-branded bedroom.
Inside Bhad Bhabie’s ultra-stylish Chanel-branded bedroom. Photo courtesy of her publicist.
Inside Bhad Bhabie's ultra-stylish Chanel-branded bedroom.
Inside Bhad Bhabie’s ultra-stylish Chanel-branded bedroom. Photo courtesy of her publicist.
bhad bhabie's closet full of chanel bags
The social media star/rapper has lined up her impressive luxury bag collection in the generous walk-in closet of her new mansion. Photo courtesy of the star’s publicist.

Taking advantage of the many parking spaces on the premises, she lined up her collection of luxury cars in front of her newly purchased manse.

The Sun reports that Bhad Bhabie has an impressive $450,000 car collection including a Bentley Flying Spur and luxury Jeep Grand Cherokee. She started collecting luxury cars since she was 14 years old, with the first upscale piece — a white Porsche Panamera 4S Hybrid — costing her a cool $90,000.

A photo of Bhad Bhabie and her impressive luxury car collection.
A photo of Bhad Bhabie and her impressive luxury car collection. Photo courtesy of the star’s publicist.

Now, if the budding star will be growing her real estate portfolio in the same way she’s been adding to her car collection, we expect to continue writing about her new purchases for years to come. And we’re here for it!

More stories you might like

Grammy Award Winner Doja Cat Lives in a $2.2M Beverly Hills Home With Distinctive Flair
Where Will Rihanna Live After the Baby Comes? Her Beverly Hills Farmhouse is a Strong Contender
Post Malone’s $3 Million Utah Compound Doubles As a Doomsday Bunker
Celeb Spotlight: Cardi B’s House in Atlanta is Pure Old-World Luxury

Source: fancypantshomes.com

Credit Card Reviews: Best Credit Cards for Average Credit

From the Mint team: Mint may be compensated if you click on the links to our issuer partners’ offers that appear in this article, including Chase. Our partners do not endorse, review or approve the content. Any links to Mint Partners were added after the creation of the posting.  Mint Partners had no influence on the creation, direction or focus of this article unless otherwise specifically stated.

Save more, spend smarter, and make your money go further

Credit cards can be a great way to manage your cash flow and earn rewards for everyday purchases you already make. However, it only takes a few late or missed payments to drop your score from the top tiers down to the “average” or “fair” categories of credit scores.

Card issuers recognize that not everyone has stellar credit. Below, you can find a list of cards designed just for people with average credit. With one of these in your wallet and the right habits, including paying your card off in full every month by the due date, you could find yourself with an improved credit score! If you can commit to managing your cards well, consider one of these top cards.

QuicksilverOne from Capital One

Arguably the best card for people with average credit is the QuicksilverOne card from Capital One. This card offers unlimited 1.5% cash back on every purchase with a modest $39 annual fee. It takes just $2,600 in annual purchases to break-even on that fee, or $216.67 per month.

In addition to cash back, the card has some valuable benefits for purchases and travel. Those include an extended warranty on all eligible purchases, rental car damage coverage, and travel accident insurance. It also charges no foreign transaction fees.

Between the cash back and the benefits, this card offers big benefits over buying with cash or a debit card. Rewards are redeemable for a statement credit, gift cards, or by check.

USAA Rate Advantage Visa Platinum

USAA is one of the best financial institutions for military and veteran households. The USAA Rate Advantage Visa Platinum card is great for its low fees. It has no annual fee, no foreign transaction fee, and comes with the lowest interest rate available from USAA.

Active military families have unique needs and some special financial protections by law. USAA is an expert at dealing with those needs. For example, active duty customers get a special 4% SCRA rate. You can also pick a design that shows off your branch of the armed forces.

The card also features valuable purchase and travel benefits sometimes reserved for more premium cards. Those include rental car insurance, price protection, extended warranty protection, satisfaction guarantee coverage, travel accident insurance, baggage delay insurance, and more.

Capital One Platinum

The Platinum credit card from Capital One is a no-annual-fee card that automatically increases your credit line after making the first five monthly payments on time. It doesn’t offer cash back or travel rewards, but it does make for a low-cost credit card option.

Benefits include rental car coverage, travel accident insurance, and an automatic extended manufacturer’s warranty. These benefits are pretty good for a card with no annual fee.

Even without rewards, most people are better off buying with a credit card if they can pay it off in full each month. Like most cards, this one has $0 liability for fraud and can help you manage your cash flow by letting you choose when you pay it off, as long as it is before that monthly due date of course.

Credit One Bank Platinum Visa

CreditOne Bank offers two different versions of its Platinum card. Depending on your credit, you may qualify for the Rebuild Credit version or the standard Cash Back Rewards version. In either case, you have an opportunity to earn at least some cash back among other benefits.

If your credit fares on the better side of the average category, you may be approved for the version that offers 1% cash back on all purchases. If your credit qualifies you for the rebuilding credit version, you’ll earn 1% back on eligible purchases in categories like dining (1.1% back for some reason), gas, groceries, mobile phone, internet, and cable/satellite TV service. You find out which rewards you get when approved.

The card’s benefits are mostly around tracking and improving your credit score. While it leaves purchase and travel protections to be desired, it may be a good choice for people looking to improve their credit while earning rewards on eligible purchases

Save more, spend smarter, and make your money go further

Eric Rosenberg

Eric Rosenberg is a finance, travel, and technology writer in Ventura, California. He is a former bank manager and corporate finance and accounting professional who left his day job in 2016 to take his online side hustle full-time. He has in-depth experience writing about banking, credit cards, investing, and other financial topics. You can connect with him at Personal Profitability or EricRosenberg.com. More from Eric Rosenberg

Source: mint.intuit.com

How To Start a Wedding DJ Business in 9 Essential Steps

Want to hone your DJ skills? Or maybe show them off?

Wedding DJs are in high demand these days.

Industry experts expect 2022 to be the busiest wedding season in 40 years, thanks to lockdown romances and postponed ceremonies during the pandemic.

A wedding DJ is the focal point of great wedding receptions. They set the mood, engage with the crowd and keep the couple happy.

They make good money, too. Wedding DJs make $1,000 per gig on average, according to WeddingWire, with experienced pros fetching upward of $2,000 or more.

But it takes a lot of hard work and planning to DJ a wedding. To start a successful wedding DJ business, you’ll need seed money for gear, reliable transportation — and great people skills.

How to Start a Wedding DJ Business in 9 Steps

Nick Smith started DJing weddings in southwest Indiana when he was 20 years old. His first set of speakers and audio equipment came from a bar that was going out of business.

Sixteen years later, Smith’s business has booked over 200 weddings.

“It’s a great gig if you love people and music,” he said.

Ready to spin up your own side hustle? Follow these nine steps to start a wedding DJ business.

1. Research and Talk to Other DJs

Before you invest major money into gear and advertising, make sure you’re comfortable with this type of gig.

Talk to other wedding DJs and ask what challenges they faced in the beginning — and how they overcame those hurdles.

If you’re new to DJing in general, it’s a good idea to shadow a professional wedding DJ. Search Google, Yelp or the Knot to find some in your area.

Send a friendly email asking if you can help them out at an event or two because you’re interested in being a wedding DJ.

On the day of the wedding, show up early and stay for the entire event. Observe how the wedding DJ interacts with the crowd and the type of music they play. Take notes.

Ask yourself the following questions:

  • How do they make announcements?
  • What do they do when the dance floor thins out?
  • How do they handle requests?
  • What equipment do they have?

In exchange for the experience, offer to help the other DJ by unloading gear from the car and setting up the speakers.

2. Hone Your Skills

Practice makes perfect. You need to be comfortable behind the booth before you’re ready to book gigs.

Play for family and friends first. You can also book other, smaller events — like birthday parties and company parties — to get your feet wet. Online classes are another way to grow your knowledge base.

Practice playing songs, using a microphone and flowing from one song to another.

If you’re not ready to start your own wedding DJ business quite yet, consider working for a multi-op — a mobile DJ company that employs several disc jockeys.

3. Create a Business Plan

Creating a business plan is important if you plan to invest time and money into becoming a wedding DJ.

Your business plan should include:

  • Your business name and location
  • Customer demographics and target audience
  • Price points
  • Suppliers for your equipment
  • Initial start-up costs and how long until you’re profitable
  • Competitors

You can use one of these templates from the U.S. Small Business Administration to create a more detailed business plan.

Looking for more tips? Check out these 10 things you should know before you start a business. 

Setting Your Rate

The best way to set your initial rates is by researching prices for wedding DJs in your area, then offering a lower price.

How much you charge also depends on where you live: A wedding DJ in a big city earns more money than a wedding DJ in a small town.

Still, a good starting rate for a novice wedding DJ is roughly $500. You can raise your rates as you gain more experience. According to The Knot’s Real Weddings Study, couples spent an average of $1,400 on a DJ in 2021.

Wedding DJs usually pick one or more of the following pricing structures:

  • Flat fee or hourly rate
  • Packages
  • A la carte services
  • Custom quote

You should also be open to negotiating when you first start out.

Decide What DJ Services to Offer

Smith said offering additional services to clients is one of the best ways to make extra money as a wedding DJ.

“Additional services can really help add value,” Smith said. “You can offer things like uplighting, or doing sound for both the ceremony and the reception.”

Consider add-ons that earn you extra money with minimal effort. For example, some DJs offer photo booth services for guests, but Smith said photo booths are labor intensive to transport and set up.

“Unless you have someone else helping you, you want to keep things simple,” he said.

4. Buy Your DJ Gear

A big hurdle for many new DJs is acquiring equipment. It can cost a couple thousand dollars to purchase all your DJ gear.

“It’s a big cost up front for sure,” Nick said, “but you’ll earn it back quickly with gigs.”

While you don’t need state-of-the-art equipment to be a great wedding DJ, you do need a solid foundation to get started.

Wedding DJ gear checklist:

  • Laptop with at least 6 GB of internal memory and three USB inputs
  • DJ software, like Serato or Traktor
  • PA system (amplifier and speakers)
  • DJ controller / mixer
  • Over-the-ear headphones
  • Cables
  • MP3 music files

On a budget? Smith recommends looking for deals on sites like eBay and Craigslist. Check out sales at your local music store, too.

You could even borrow equipment from a friend or neighborhood church for your first couple gigs.

“You can start with a cheaper set-up, then upgrade it up over time,” Smith said.

You’ll also need to be comfortable setting up and tearing down your own DJ equipment. Figuring out how to efficiently store and transport your gear is also important if you want to be a mobile DJ.

Buy the Music

Buying music is important if you want to run a successful wedding DJ business.

Professionals caution against using streaming services like Spotify or YouTube. It isn’t technically legal and you shouldn’t rely on anything that requires Internet access anyway.

You have several options to legally purchase music for your wedding DJ business:

  • Buy mp3s through Amazon or iTunes/Apple Music.
  • Subscribe to a DJ pool like Promo City. This is a paid service that gives you access to volumes of modern music for download.
  • DJ subscription service like Virtual DJ or Pulselocker.
  • Buy used CDs and rip them to your laptop.

Set aside a little money from each gig to buy more music, and it won’t take long to compile a competitive professional DJ library.

5. Market Yourself

You have the gear. You have a plan. Now it’s time to get some customers.

You’ll need to create a DJ website and social media accounts to attract potential customers. Look at websites for other wedding DJ businesses to get ideas.

At the bare minimum, your website should include:

  • Your rates
  • Where you’re located (and how far you’re willing to travel)
  • A contact email address and phone number
  • What makes you unique from other DJs in the wedding industry
  • Testimonials and positive reviews

You can use a service like Wix or Weebly for free, or hire a professional to design a website for you.

Word of mouth is huge in the wedding business, Smith said. It’s about who you know and who knows you.

“Recommendations are everything,” Smith emphasized.

Give discounts for referrals. Make it easy for the bride and groom to leave glowing reviews about your wedding DJ business on Google and Facebook.

You’ll want to create some business cards and maybe some flyers, too.

Leave a space in your budget for marketing costs. Advertising on sites like The Knot and WeddingWire can really help pull in new customers because couples often visit these sites to find venues and vendors.

6. Meet the Couple for a Consultation

Meet up with the wedding couple several weeks before the event to discuss the playlist.

Ask about their favorite genres and bands, then create a short list of must-have songs, including their pick for the first dance and other important dances.

Perhaps more importantly, get a list of songs they don’t want played. The Chicken Dance, for instance.

“Get an idea of what they’re looking for,” Smith said, “then execute that to the best of your abilities.”

Print a questionnaire for the couple to fill out at the consultation with a timeline of the wedding, names of important people in the wedding party and other key details you should know.

You’ll also want to create contracts you can customize for each couple.

Your business contract should cover things like cancellation fees and damaged equipment policies. Make sure to discuss these policies with clients during the initial consultation.

Finally, prepare to spend several hours communicating back and forth with the couple before the wedding. Smith said he usually spends about 10 hours total preparing for the big day.

Two brides dance at their wedding reception.
Getty Images

7. Create the Playlist

Your goal as a wedding DJ is to create a memorable experience for the couple and keep the party going.

Don’t slide your original deep house remix into the wedding playlist. Remember, focus on the bride and groom — not your personal taste in music.

Play music to match the festivities. Break your songs into different blocks for the ceremony, cocktail hour, introductions, dinner and dance floor.

Each block should have different music to the atmosphere: Classical music at the ceremony, light jazz for the cocktail hour and soulful tunes for dinner, for example.

You can flex more creativity and play new music for the dance floor. But remember: You’re playing for a diverse audience. Don’t be afraid to bust out crowd favorites like “Don’t Stop Believin’” and “Livin’ On A Prayer.”

“People are at a wedding to have a good time,” Smith said. “Your job is to play the right music and create a fun atmosphere for everyone.”

8. Be On Time and Professional

You can’t be late to the party when you’re the DJ. Get there early, set up on time and prepare for a late night.

Before the wedding, write out a script of everything you plan to say. Practice pronouncing names. You don’t want to butcher the best man’s last name on stage.

Make sure to bring backup chargers, cables and other necessary gear. Things go wrong, break and run out of battery. Don’t let something unexpected (but easily preventable) ruin your wedding gig.

9. Work the Crowd and Keep the Party Going

Successful wedding DJs set the tone and vibe for the entire reception.

Be friendly, energetic and don’t forget to smile!

It’s not all about the music, though: You’ll be in charge of making announcements, calling for special dances and fielding song requests from (often intoxicated) guests.

You’ll need to communicate with other vendors at the wedding, too. You don’t want to start playing music for a special dance, for example, without the photographers and videographers in place.

Be observant, flexible and keep the party going.

It’s a lot to manage but pulling off your first successful gig can be the start of a rewarding and lucrative wedding DJ business.

Rachel Christian is a Certified Educator in Personal Finance and a senior writer for The Penny Hoarder

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Source: thepennyhoarder.com

Calculadora de presupuesto

Save more, spend smarter, and make your money go further

Nuestra calculadora de presupuesto gratis puede ayudarte a obtener una idea más completa de tus finanzas mensuales, darte información sobre dónde se concentran tus gastos (y dónde podrías querer reducirlos).

Ingresa la información que se te pide en los campos correspondientes y, automáticamente, calcularemos tus ingresos, gastos y ahorros mensuales totales de modo que puedas determinar si estás gastando de más o de menos según tu presupuesto.

Comienza a trabajar con nuestra calculadora o haz clic en un paso a continuación para saltar a instrucciones más detalladas:

Paso 1: Ingresa todas las fuentes de ingresos mensuales

Paso 2: Ingresa todos los gastos mensuales

Paso 3: Ingresa todas las contribuciones para ahorros mensuales

Cómo se usa la calculadora de presupuesto gratis

Nuestra calculadora de presupuesto es muy fácil de usar. Completa la información que se te pide en cada campo y nosotros nos ocuparemos de los cálculos.

Nuestra calculadora de presupuesto gratis se divide en tres áreas principales: ingresos, gastos y ahorros mensuales.

Nota: Si ingresas costos variables que cambian de un mes a otro, ingresa tu estimación más aproximada.

Paso 1. Ingresa todas las fuentes de ingresos mensuales

Esta sección de la calculadora de presupuesto cubre todo el dinero que te ingresa e incluye tu fuente principal de ingresos y todas las fuentes de flujo de efectivo complementarias.

  • Sueldos y salarios (después de impuestos): tus ingresos mensuales netos son el dinero que te queda después Es la cantidad que figura en tu cheque salarial. Es decir, tus salarios menos impuestos federales, Seguro Social, Medicare, costos de seguro, contribuciones para la jubilación y cualquier otro beneficio.
  • Otros: asegúrate de considerar también fuentes de ingresos complementarias, como pagos por trabajos freelance, pagos de pensión para el cónyuge divorciado, retiros de inversiones o sustento financiero para hijos, e ingresa el valor en la celda de la derecha.

Paso 2. Ingresa todos los gastos mensuales

Ahora, veamos tus gastos mensuales promedio, lo que incluye tanto costos fijos como variables.

  • Vivienda: ingresa tus pagos mensuales totales de alquiler o hipoteca; eso incluye facturas de servicios públicos como gas, electricidad, recolección de basura y agua. Si pagas seguro de inquilino, también incluye ese costo aquí.
  • Comida: considera las facturas de tiendas de comestibles o suscripciones a servicios de comida. Si sueles ir a comer afuera, estima esos gastos e inclúyelos.
  • Transporte: ingresa tus costos mensuales totales correspondientes al transporte diario. Si conduces un auto, incluye pagos de automóvil, costos de seguro y gastos de gasolina. Si viajas en transporte público, incluye precios de boletos o suscripciones a pases.
  • Tarjetas de crédito y préstamos: asegúrate de considerar todos los pagos mínimos de tarjetas de crédito y de préstamos. Si sueles pagar más que el mínimo, asegúrate de incluir la cantidad total estimada.
  • Seguro médico: ingresa los costos de seguro médico si no recibes la cobertura a través de tu empleador, lo que incluye planes médicos, odontológicos y oftalmológicos.
  • Mascotas: si tienes un amigo peludo, completa este campo con los gastos mensuales de comida y las facturas de medicamentos, aseo o veterinaria.
  • Entretenimiento: en esta categoría, se incluye la cantidad que sueles gastar por mes en actividades de entretenimiento en casa, como televisión y suscripciones a Internet, y fuera del hogar, como boletos para conciertos, boletos para el cine o eventos sociales.
  • Cuidado personal: puede incluir elementos como champú, pasta dental, cosméticos y otros artículos básicos para el cuidado personal.
  • Cuidado de hijos menores: ingresa todos los gastos que hiciste para el cuidado de hijos menores; eso incluye costos de guardería, cuotas escolares y costos de cuidado de niños.
  • Otros: en este espacio, incluye los gastos periódicos que no entran en ninguna de las categorías anteriores. Como ejemplo, podemos mencionar viáticos para un viaje próximo, compras de prendas de vestir y otros artículos “no esenciales”.

Paso 3. Ingresa todas las contribuciones para ahorros mensuales

Esta sección aborda la planificación de tu futuro financiero, desde ahorros para emergencias hasta contribuciones para la jubilación.

  • Fondo de emergencia: una cuenta de ahorro para emergencias es dinero que ahorras para cubrir imprevistos financieros que te pueda deparar la vida. Los expertos en finanzas recomiendan ahorrar al menos 3 meses de gastos básicos. Ingresa aquí las contribuciones mensuales que haces a tu fondo de ahorro para emergencias.
  • Inversiones: si haces contribuciones a cuentas de inversión, inclúyelas aquí.
  • Jubilación: si haces contribuciones a una cuenta de jubilación fuera de un plan 401(k) de tu lugar de trabajo, inclúyelas también.
  • Otros: incluye cualquier otro tipo de contribuciones para ahorros que hagas mensualmente.

A medida que vayas ingresando tu información, nuestra calculadora de presupuesto irá actualizando automáticamente tus ingresos, gastos y contribuciones totales para ahorros mensuales, y te mostrará cuánto dinero gastas de más (o cuánto margen es posible que tengas en tu presupuesto).

Visualiza tus finanzas con este presupuesto mensual detallado y aprovecha al máximo tu dinero con nuestro planificador y nuestra calculadora de presupuesto gratis.

Calculadora de presupuesto: preguntas frecuentes

Un presupuesto detallado puede ayudarte a aprovechar al máximo tus ingresos y conducirte al éxito en el futuro. ¿Tienes más preguntas sobre cómo armar un presupuesto? Consulta nuestras respuestas a las preguntas frecuentes sobre presupuestos que se incluyen a continuación:

1. ¿Cuáles son las técnicas habituales de elaboración de presupuestos?

Existen muchos métodos de elaboración de presupuestos que puedes usar para mantener encaminadas tus finanzas. Solo es cuestión de averiguar cuál es el correcto para ti. Las técnicas habituales de elaboración de presupuestos incluyen:

  • El sistema de sobres: es una técnica simple, pero efectiva. Suma todos los gastos fijos y variables y, luego, resta esa cantidad de tus ingresos. Coloca cada gasto en un sobre rotulado; cuando recibas un cheque salarial, coloca la cantidad de efectivo correspondiente en cada sobre.
  • Presupuesto invertido: esta técnica invierte totalmente el presupuesto habitual; en lugar de establecer categorías para dar seguimiento a los gastos, creas objetivos de ahorro agresivos y contribuyes a ellos cada mes.
  • Presupuesto de base cero: con este método, debes asignar todos tus ingresos mensuales a gastos, contribuciones para ahorros y pagos de deuda. A fin de mes, tus ingresos menos los gastos deben dar cero.
  • La regla de 50/30/20: con esta técnica de elaboración de presupuestos, que es una de las más populares, los costos se dividen en tres categorías diferentes. Obtén más información sobre este método a continuación.

Desarrollada por Elizabeth Warren y su hija, Amelia Warren Tyagi, la regla “50/30/20” es uno de los métodos más populares de elaboración de presupuestos. Puedes usar la calculadora de presupuesto 50 30 20 como ayuda para dividir los ingresos netos en 3 categorías:

  • 50% para necesidades: la mitad de tus ingresos mensuales netos debe asignarse a elementos esenciales de la vida. Eso incluye necesidades como vivienda, comida, transporte, seguro y servicios públicos.
  • 30% para deseos: los elementos incluidos en esta categoría pueden variar, pero podemos mencionar compras de prendas de vestir, entretenimiento, salidas a comer, viajes o suscripciones mensuales.
  • 20% para ahorros y pagos de deudas: este dinero pretende ahorrarse para uso futuro. Según tu situación financiera, puedes optar por dedicar esta cantidad de dinero al pago de saldos de deuda, contribuciones para la jubilación o fondos de emergencia.

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Source: mint.intuit.com

25 Must-Follow Tips When Moving To a Different State

This moving checklist will make crossing state lines a breeze.

Moving is always annoying but much easier when you’re moving just a few blocks away. But moving out of state? That’s a whole different ballgame. There are many details and things to check off your list before hopping on a plane to your new city.

It can get overwhelming quickly, from professional movers and having a job lined up to making new friends and leaving family members behind.

These 25 must-follow tips for moving out of state will help with the heavy lifting that comes with moving out of state.

What to consider before moving to another state?

Moving out of state is scary, but if you’re armed with a good checklist, everything can seem a little more approachable. Sure, there are a lot of details to take care of before moving, but the most important thing you should focus on is finding the right city for you.

1. Finding your next city

Make a shortlist of your dream cities and book a long weekend at each, if possible. Forgo a hotel room in favor of living like a local and research neighborhoods before you go. Book an Airbnb listing in the one that fits your lifestyle the most.

Gather intel from friends, make a list of your favorite things to do (think movie theaters, preferred stores, etc.) and check your social network to see if you know anyone in the area. Do groceries and take public transportation to get a true feel of your potential everyday life.

2. Visit a few places before deciding on your new state

Go to several cities.

Go to several cities.

After a few visits to your top 3 cities out of state, think about what’s important to you. Do you want to ditch your car in favor of public transportation? How’s the dining scene in these cities? Is the job market in your career path of choice thriving there? How are the local schools? Are you moving alone, or are you moving in with your partner? Can you afford to live in this prospective city with your current salary?

This is when pro/con lists come in handy. Be sure to sit down and think it through before deciding on your new state.

3. Compare the cost of living before moving out of state

When picking a new city to live in, you have to consider more than moving expenses. Whether you’re relocating for a new job or moving while keeping your current one, you need to consider the new cost of living expenses. Is rent more expensive in the new city? Do you have nature or a local park nearby? What about groceries and transportation?

The cost of living in Washington, D.C., versus Charlotte, NC, is very different, for example. In Florida, the state has no income tax. Make sure that wherever you’re relocating to, you compare both your budget and current salary to the new city’s cost of living differences so you can adjust accordingly and save money where you can.

4. Set a moving budget

So, you’ve picked your new city. Now, it’s time to start thinking about your moving budget. You’ll need to decide whether you’ll hire professional movers and a long-distance moving company to handle your move. Or, if you’ll just get your friends to help you load a moving truck, and you’ll unload it on your own once you arrive at your new address.

You’ll also need to consider deposits for your new apartment, plane tickets, security deposits for utility companies, any new food and house items you’ll need and possibly a storage unit if you have to stay in temporary housing for a bit.

A spreadsheet outlining every money detail will help keep you within budget.

5. Find an apartment in your new city

apartment hunting

apartment hunting

Pick your dream neighborhood and start researching apartments. It’s always good to secure housing before moving out of state. Hunting long-distance for an apartment is challenging, so seeing it in person or sending a friend will make the easiest move.

Read reviews, set up tours for various apartments and always confirm that an apartment is legitimate before wiring any money. Ask for move-in specials and current amenities like an in-unit washer and dryer or stainless appliances.

Bring a blank check and any required documents for the application so you can apply on the spot if you love it. This may include:

  • State-ID or driver’s license
  • Proof of income (latest paystub)
  • At least one reference from a previous landlord
  • Employment details
  • Co-signer information, if needed
  • Unfrozen credit for the landlord to run it for application

Check with your job to see if they reimburse employees for relocation expenses or have any moving services available. Also, check your lease terms and let your landlord know with enough time that you’re leaving your current apartment soon. Make sure to schedule a walkthrough date to get your security deposit back.

6. Update your work about your move

In this pandemic era, working remotely is the new normal. If your job allows you to work remotely and you’re staying, for now, update HR with your new address. This will help your company remain updated with payroll and update your healthcare information.

Follow up with them to make sure they have all they need before your move date. Inquire if, due to your relocation, you now have access to any remote working stipend.

7. Find a new job, if needed

Maybe you’re ready for a whole new life? A new state, new job. Start applying to new jobs as soon as you can since landlords in a new city may require a certain income before renting you a place.

Head to job boards online for opportunities in your chosen city and start sharing that you’re looking for a new opportunity with your network. If you can, schedule upcoming job interviews via Zoom or by phone before you move.

8. Go over your belongings and make donation piles

Don

Don

Things are getting real, and it’s time to see how much stuff you really have. You can start calculating how many boxes you need or if you’re hiring movers or just a moving truck.

Go over your furniture, clothes and even kitchen utensils and start donating and selling piles. Start listing items on social media and put every cent you make toward moving costs.

Leave only what you need in the last 30 days, including medical records and important documents like birth certificates and what’s making a move out of state in the apartment. Everything else needs to go to make sure that you only pay the moving company precisely for what you want to keep.

9. Pick a move-in date and start packing

The moving out of state timeline starts getting faster once you pick an apartment and your job situation is all settled. Check your lease and choose a move date. Pick up boxes, packing tape and bubble wrap, and start streamlining all your belongings.

Spend your weekends patching up holes in your current apartment, repainting any walls, confirming your move-in date with your new landlord and picking up your keys.

10. Book the moving company

After purging your belongings, you’ll have a better idea of the number of boxes and furniture you need to hire movers for. Research moving companies that specialize in out-of-state moves. This is an excellent time to ask for recommendations on social media for moving companies.

Get a few quotes to compare them, confirm that there are no add-ons or surprise charges with the quote, how they go about hiring professionals and vetting them and, of course, read reviews.

Once you pick a reputable moving company, confirm the delivery address of your new house, ask about day-of protocol so you’re ready for the movers and ask for an estimate of when they will deliver your belongings. Some moving companies allow you to track your belongings for peace of mind.

11. Schedule a going away party

Send an invite to all of your friends and family before you move out of state. If you can, ask a close friend to take on planning details for the party so you can focus on your long-distance move. Book a venue or go down to your favorite restaurant (that you will miss very much!) and have a casual night with everyone you know.

12. Make travel arrangements

Decide if you

Decide if you

Now that you have a date for moving out of state, you have to decide how to get there. If you hire movers, you have the choice of hopping on a plane or driving there.

This is the time to book your plane ticket if that’s the best choice. Make sure that you plan which bags you’re taking with you and that they all meet the weight requirements. Have a small pet? Don’t forget to buy them a ticket, too.

If you’re driving, make sure to budget for gas and have your route planned out. Making long-distance moves via car is more exhausting, but you do get to bring a few more of your things with you, see new things on the way and go at your own pace. Be sure to pack a first aid kit for the road, just in case.

This is a good option if you have temporary housing and will have stuff in a storage unit for a while at first.

13. Arrange cleaners at your old place

Schedule cleaners for the day after the movers come by and double-check that you covered every nail hole, there are no stains on the carpet and you packed up all of your things.

Once the cleaners leave the place sparkling clean, let your landlord know the apartment is ready for a walkthrough. Return the keys and finalize how you’ll receive your security deposit before you head out of state.

14. Clean and sell your car

If you don

If you don

If you chose a place with stellar public transportation, you’re probably thinking of leaving your car behind. You don’t have to sell it until a week before you move to make sure that you get all of your errands done.

Start the process early by looking at online vendors like Carmax, Carvana and Blue Book to see how much you’ll get for your car. Get it clean and in tip-top shape, so it sells for the maximum amount possible. Schedule a pick-up at your apartment for convenience and sell it to the best offer.

15. Time to move

Almost there! You’ve prepared, and the moment is here. It’s time to move. You’re more prepared than most for your move out of state. You’ve said your goodbyes, you’re checked into your flight and the movers have your couch.

16. Update your pet’s microchip and registration

Before getting too settled into your new place, update your pet’s microchip and registration in the new state. If they were to go missing, they would have an old address and make it hard to find you. Check if this new place has additional requirements beyond rabies shot and registration with the county.

It’s also an excellent time to find a 24-hour vet that’s close by for any emergencies while you unpack in the short term.

17. Get a new driver’s license and registration

Keep all documents up to date.

Keep all documents up to date.

Most states have a 30-day grace period for new residents to update their driver’s license and vehicle registration. Along with your pet’s registration, add this one to the top of your to-do list once you land in your new apartment. Visit the local DMV to get a new license and registration for your car.

Check if you need specific documents like a birth certificate or social security card. If you can’t find either (and who can blame you mid-move), you can go to the local social security administration branch and ask for a new one.

18. Register to vote in your new state

Don’t forget about doing your part for your country. Switch your voter registration as soon as you have your new address to allow time to update. Check where your voting precinct is, so you’re ready for election day. You can easily switch your voter registration online or at your local library.

Start reading about issues in your new state and get familiar with your representatives. Now that you have a new home, you have new things to fight for and worry about, no matter your political leaning.

19. Connect your utilities

Once you sign your lease, cancel your utilities at your current place and start calling local utility companies to create accounts for electricity, gas and internet access in your new apartment. Depending on your internet provider, you can just transfer service.

Get ready to set up an account and pay deposit fees. You should start this process at least two weeks before your move since utility companies often move slowly.

Check with your landlord to see if your lease includes any utilities, like water or trash.

20. Reach out to friends for local connections

Making new friends is hard! But if you reach out to your network and social media to share your news about moving out of state, be sure to ask if they can connect you with any pals in your new state, either via email or group text.

Schedule friend dates for your first month after your move to get to know your new neighborhood.

21. Change your mailing address

Mail slot

Mail slot

About a week before you move out of state, begin forwarding your mail with the U.S. Postal Service. Get ahead of any lost mail by changing your address in your streaming accounts, Amazon.com account and any magazine subscriptions you already get.

You don’t want to have a random package go to your old apartment because you didn’t forward mail after moving out of state.

22. Transfer your gym membership

If you’re lucky, your gym will have various locations around the country, and you can just transfer your membership. Let your gym, meal planning service and anything else within your routine know that you’re moving out of state. Make sure to cancel and get confirmation of any services that don’t transfer to your new place.

23. Find new doctors in your area

Don’t let your moving out of state keep you from your medical and dental routine. Ask colleagues in your new place if they have any recommendations for dentists, general practitioners and any other doctor you may need.

Your health insurance may also have a helpful directory of in-network providers so you can start finding your favorites.

24. Update the bank of your new location

It’s important to update your financial institutions that you’re moving out of state and are now residents of your new state. This isn’t just your primary bank. You need to update every financial institution, including your financial advisor, accountant, any investments and those that hold any retirement accounts.

25. Get settled in your new state

Settle in with new friends.

Settle in with new friends.

There’s no greater feeling than the one of relief when you have unpacked every box in your new apartment. Start a good routine for the first month of exploring a new restaurant, coffee shop or neighborhood near you. Getting to know your new town and making friend dates will help you feel settled in no time.

Ready to move to another state?

The moving process is stressful, with unexpected expenses, finding the right moving company and launching yourself into a new life. This moving out of state checklist will make your relocation a lot easier.

The weeks ahead will be uncomfortable as you settle into your new job and new neighborhood after the long-distance move. But slowly, you’ll meet new friends and find yourself as a regular in the corner coffee shop.

Source: rent.com

Stock Market Today: Stocks Sink After April Jobs Report

On the heels of their worst session of 2022, stocks initially struggled to find direction Friday following the release of the April jobs report – though in the end, they settled for selling, again. 

The Labor Department this morning said the U.S. added 428,000 jobs last month, while the unemployment rate held steady at 3.6%. This marked the 12th straight month U.S. employers have added at least 400,000 new jobs. At this pace, the economy could recover all of its pandemic-related job losses by mid-July, says Kiplinger economist David Payne. 

Also notable in the report was wage growth, which rose 0.3% month-over-month and 5.5% year-over-year, and the participation rate – or the percentage of the population that have jobs or are seeking them – which declined slightly to 62.2%.

“While there’s no shortage of concerns to take the wind out of investors’ sails right now, this jobs read likely won’t be one of them,” says Mike Loewengart, managing director of Investment Strategy at E*Trade. “With a relatively rosy jobs picture, despite slight misses on participation and wages, the Federal Reserve likely won’t be swayed from its rate hike campaign. And since numbers came in mostly in line with expectations, the market may have already priced in a robust jobs read.”

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Stocks initially opened lower before finding their way higher by lunchtime. These intraday gains were short-lived, however, with all three markets sinking back into negative territory in the afternoon.

At the close, the Nasdaq Composite was down 1.4% at 12,144, the S&P 500 Index was 0.6% lower at 4,123 and the Dow Jones Industrial Average was off 0.3% at 32,899.

stock price chart 050622stock price chart 050622

Other news in the stock market today:

  • The small-cap Russell 2000 plunged 1.7% to 1,839.
  • U.S. crude oil futures gained 1.4% to end at $109.88 per barrel.
  • Gold futures rose 0.4% to settle at $1,882.80 an ounce.
  • Bitcoin retreated 0.9% to $35,953.66. (Bitcoin trades 24 hours a day; prices reported here are as of 4 p.m.)
  • DraftKings (DKNG) plunged 8.9% after the online sports gambling company reported a first-quarter net loss of $467.7 million, wider than the $346.3 million net loss it incurred in the year-ago period. On an adjusted basis, though, DKNG’s adjusted per-share loss of 74 cents was slimmer than the $1.09 per-share loss analysts were expecting. Revenue of $417 million came in above the $412 million consensus estimate. “DraftKings quarter was buoyed by strong numbers from March Madness and the Super Bowl, which set records for first-time bettors,” says Jonathan Dube, executive in residence at investment bank Progress Partners. “DraftKings and its competitors are all looking at ways to grow their businesses and increase their margins, and one of the ways they are doing so is aggressively moving into the iGaming online casino space. DraftKings announced it completed its purchase of Golden Nugget Online Gaming, which will help it compete with established brands like Caesars and BetMGM in the iGaming space, a strategically complementary business which has higher margins than sports betting.”
  • In its first quarter, global cloud services provider Cloudflare (NET) posted revenue of $212.2 million, up 54% year-over-year, and adjusted earnings of 1 cent per share compared to a per-share loss of 3 cents in the year-ago period. Still, NET stock plunged 12.4% post-earnings, possibly due to the company reporting cash flow from operations of -$35.5 million for the three month period vs. +$23.5 million in Q1 2021. “The company is beating best of breed point  solutions with its easier-to-use and cheaper bundled solutions, all on one developer platform—workers,” says Oppenheimer analyst Timothy Horan (Perform). “It had a major role in protecting Ukraine’s and other countries’ digital infrastructure from Russian attacks.” Horan also believes Cloudflare “should be able to deliver double-digit revenue growth rates over the next several years based on the strong demand for its offering and the rising economic importance of the internet across the globe.”

Wall Street’s Newest Dividend Payers

The Fed is unlikely to change course with its monetary-tightening plan any time soon. That seems to be the general consensus around Wall Street, especially on the heels of today’s solid jobs report. 

“We have been cautious all year given the unprecedented size of the Fed’s balance sheet, which they need to unwind due to the inflationary pressures we have been experiencing and a concern that valuations were too high as interest rates were poised to move higher,” says Chris Zaccarelli, chief investment officer for registered investment advisor Independent Advisor Alliance. Zacarelli believes the Fed will continue to “aggressively fight inflation,” no matter how much damage might be inflicted upon the stock market in the near term. 

With this in mind, he reminds investors that it’s prudent to be invested in quality stocks of companies that have the ability to power through a recessionary environment. This includes companies “with a competitive advantage, pricing power and a strong balance sheet (e.g. relatively low debt compared to operating earnings),” Zaccarelli adds. 

There are many ways investors can track down companies with high-quality fundamentals, including looking for those that are consistently increasing dividends or issuing special dividends – both signs of financial strength. 

There’s also money to be made with Wall Street’s newest dividend stocks. Despite a U.S. economy plagued by labor shortages, supply-chain woes and higher prices, these companies are flexing their financial muscle by initiating dividends.

Source: kiplinger.com