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Do You Have Life Insurance?

January 27, 2023 by Brett Tams

According to the insurance research firm LIMRA, life insurance ownership is at its lowest point in over 50 years. This is a crazy statistic considering that approximately 44% of those who took part in the survey said they don’t have enough money to pay for expenses if their loved one were to pass away suddenly. […]

The post Do You Have Life Insurance? appeared first on Making Sense Of Cents.

Posted in: Debt, Retirement, Starting A Family Tagged: 2, All, ask, author, before, Blog, Budget, cents, Children, co-signer, commission, company, cost, data, Debt, disclosure, employer, entry, expenses, Family, Financial Wize, FinancialWize, gender, get started, great, health, Insurance, job, Life, life insurance, Lifestyle, loan, Loans, Make, making, market, Medical, money, More, needs, Other, ownership, parents, payments, plan, policies, premium, Purchase, questions, Research, retirement, Review, right, routine, second, single, spouse, story, student, student loan, student loan debt, Student Loans, survey, time, title, unique, value, will, work, young

Not saving? These 3 reasons to save money will give you the motivation to start

January 27, 2023 by Brett Tams

Saving money takes discipline. And a certain amount of sacrifice.

The post Not saving? These 3 reasons to save money will give you the motivation to start appeared first on Discover Bank – Banking Topics Blog.

Posted in: Real Estate News Tagged: 2, 401k, Bank, Banking, Blog, brokerage, build, building, business, company, cost, couple, decision, discover, earnings, education, Emergency, Emergency Fund, expenses, FDIC, Fees, Financial Education, Financial Freedom, Financial Goals, Financial Planning, Financial Wize, FinancialWize, freedom, fund, goal, goals, good, great, Healthcare Costs, impact, Income, Invest, job, Job Security, Life, Lifestyle, Live, living expenses, Make, money, More, Motivation, new, News, Online Savings Account, opportunity, parents, party, paycheck, plan, Planning, Promos, retirement, retirement savings, right, save, Save Money, Saving, saving money, savings, Savings Account, savings goal, Savings Strategies, Savings Tips, security, simple, Small Business, starting a business, time, tools, Travel, Ways to Save, wealth, will, women, work, young

Food waste and food consumption in the United States

January 27, 2023 by Brett Tams

I’ve been thinking a lot lately about how much food I consume (and waste). I’m not happy with how I shop and eat, and it’s not just because I’m fat right now. I don’t like what I’m eating and I don’t like how much food I’m throwing out.

Food waste is a huge problem in the United States. Most studies find that Americans waste about one-third of all food that enters the supply chain. This is insane. And when you consider that food spending is the third-largest component of the average American budget, this is a great place for most folks to boost their budget.

According to the 2017 Consumer Expenditure Report, the average household spends $7,729 per year ($644.08 per month) on food. If, as the USDA reports, 31% of the average family’s food goes to waste, that’s the equivalent of burning $2395.99 per year ($199.67 per month).

For most families, $200 per month is a big deal. That can be the difference between deficit spending and earning a “profit”. That $200 per month could be enough to purchase a new car or to afford better health insurance.

Today, I want to think out loud about food consumption and food waste in my own life.

Our actual fridge at this very moment

This article is unusual in that I’m not going to try to offer any solutions. Instead, I’m simply going to share some observations, and I’m going to divide these observations into bite-sized chunks.

If you have solutions to food waste, however, I’d love to hear them.

Posted in: VA Loans Tagged: 1970s, 2, All, apartment, beans and rice, big, blueprint, Books, Budget, Built, Buy, Buying, car, Choices, Cities, coffee, condo, consumption, country, couple, Crisis, data, dessert, earning, Europe, Family, Fashion, Financial Wize, FinancialWize, food, food consumption, food waste, fun, funny, garage, garden, glasses, great, groceries, habits, health, Health Insurance, healthy, HelloFresh, home, house, household, Insurance, inventory, items, job, kids, kitchen, Learn, learned, Life, Lifestyle, Live, low, Make, making, market, mental health, miles, mold, money, More, needs, new, offer, opportunity, Oregon, Other, packing, Pantry, Personal, prep, Purchase, ready, rental, restaurant, right, RV, save, Save Money, School, simple, single, space, specialty, Spending, staples, states, stock, storage, surgery, time, title, tools, Travel, under, unique, united, USDA, wants, weather, will, woman, work, young

Understanding the Home Equity Line of Credit (HELOC)

January 27, 2023 by Brett Tams

A home equity line of credit, or HELOC, is a great financial tool that allows homeowners to tap into their available equity as needed. HELOCs work similarly to credit cards in that you have access to a credit line — up to a certain limit — and can spend as much or as little as… View Article

The post Understanding the Home Equity Line of Credit (HELOC) first appeared on Total Mortgage.

Posted in: Refinance, Renting Tagged: advisor, Bank, before, bills, Blog, Borrow, business, cars, College, Credit, credit card, credit cards, credit limit, Credit Report, credit score, Debt, debt consolidation, debt-to-income, Deductible, DTI, equity, expenses, expensive, Finance, Financial Wize, FinancialWize, foreclosure, fund, funds, General, good, great, HELOC, history, home, home equity, home equity line of credit, home equity loan, Home equity loans, Home Improvement, home loan, home renovation, Homeowner, homeowners, improvement, improvements, Income, interest, interest rate, interest rates, investments, late payments, lenders, Lifestyle, line of credit, loan, Loans, LOWER, Make, Medical, medical bills, money, Mortgage, needs, new, offer, Other, payment history, payments, Personal, Personal Loans, Planning, project, projects, questions, rate, Rates, ready, renovation, renovations, right, single, stable, tax, tax deductible, time, vacations, value, will, withdrawal, work

$85000 a Year is How Much an Hour? Good Salary?

January 27, 2023 by Brett Tams

85k salary is a good hourly wage when you think about it. When you get a job and you are making about…

Read More… $85000 a Year is How Much an Hour? Good Salary?

Posted in: Money Tips Tagged: 2, 2021, 2022, 2023, 401k, agent, All, Amazon, Amount Of Money, art, ask, Bank, bank account, basic, basics, before, big, bills, brokerage, brokers, Budget, business, Buy, Buying, calculator, california, Career, Career Change, Children, Choices, Cities, city, Clothing, color, commission, cost, Cost of Living, couple, data, debate, Debt, debt free, Debts, deductions, deposit, disclosure, education, Eliminate Debt, employer, Employment, Entertainment, expenses, expensive, experience, experts, Family, Finance, Financial Goals, Financial Wize, FinancialWize, Florida, food, freelance, frugal, fun, gig, Giving, goal, goals, gold, good, government, great, groceries, Grow, helpful, hold, home, hourly, household, household budget, household income, Housing, How To, how to make a budget, impact, Income, income level, Income Taxes, Inflation, Insurance, interview, Invest, items, job, jobs, kids, launch, Learn, learned, Life, life insurance, Lifestyle, list, Live, living expenses, low, low cost of living, LOWER, Main, Make, Make Money, making, market, markets, median household income, Medical, Medicare, mississippi, money, Money Management, monthly budget, More, more money, Move, needs, net income, new, New Jersey, new york, Operations, Other, parents, passive, passive income, Pay Off Debt, paycheck, paycheck to paycheck, Personal, personal finance, plan, points, priorities, programs, quality, Raising a Family, rate, Research, Review, right, Salary, sales, save, Saving, savings, second, second job, security, selling, Side Hustles, simple, single, smart, Smart Money, social security, society, Spending, Starting Out, state taxes, states, stock, stress, students, Style, target, tax, taxes, teaching, texas, thrift, time, tips, trading, Transportation, united, utilities, virtual, white, will, work, working, working from home, wrong, Yard

A Day In The Life of my Supposedly Frugal Stomach

January 27, 2023 by Brett Tams

Kicking Ass with Money is much like healthy eating and joyful living. It’s a series of daily habits that get you ahead, rather than a one-time heroic effort that fixes all your problems so you can go back to whatever you were doing before. Because of this parallel, the subject of food is one of the […]

Posted in: Money Tips Tagged: 2, active, affordable, All, avocado toast, Bank, bank account, bar, before, big, Big Picture, Blog, Books, Budget, building, car, cents, Children, chocolate, Choices, Clean, coffee, construction, cost, data, Debt, design, diet, Early retirement, eco, efficient, energy, expensive, Family, financial independence, Financial Wize, FinancialWize, food, frugal, Frugality, General, good, great, grocery, grocery bill, Grow, habits, Happiness, health, healthy, heat, home, house, kitchen, Learn, Life, Lifestyle, low, Luxury, Main, Make, making, marriage, meal planning, mess, money, More, Moving, moving in, needs, new, office, opportunity, Other, Parenting, parents, Personal, pizza, plan, Planning, productivity, Purchase, quality, Raising a Family, ready, Recipes, restaurants, retirement, returns, rewards, right, routine, running, School, second, simple, single, space, Spending, story, Style, The MMM Blog, time, under, unique, value, versus, will, work, workers

How to Budget When You’re on Inconsistent Income

January 27, 2023 by Brett Tams

Budgeting for travel is hard enough as it is. But add in a job that provides inconsistent income it may seem impossible. After years of trial and error, I finally figured out a way to stop stressing about budgeting and save for travel (and retirement!) all at the same time. The Tricks 1. Paying myself

The post How to Budget When You’re on Inconsistent Income appeared first on MintLife Blog.

Posted in: Apartment Safety, Budgeting, Travel Tagged: 2022, 401(k) plan, All, apartment, ATM, author, Bank, bank account, basic, bathroom, Benefits, Blog, Budget, Budgeting, budgeting for travel, budgeting my money, budgeting on inconsistent income, budgets, build, business, Career, chance, Clothes, color, company, contractors, cost, Credit, credit card, data, Deductible, deposit, design, Discounts, down payment, driving, Economy, employer, expense, expenses, expensive, Featured, Finance, Financial Wize, FinancialWize, freelance, freelancers, game night, gig, gig economy, goal, good, Graphic, great, gym, gym membership, health, Health Insurance, house, How To, Income, inconsistent income, industry, Insurance, job, jobs, layout, Learn, Life, Lifestyle, Loans, low, Make, making, Mint, mint.com, mobile, money, monthly budgets, More, more money, Moving, new, offer, offers, Other, Personal, personal finance, plan, programs, project, retirement, Review, room, roommate, Salary, save, Saving, savings, Savings Account, Side Hustle, Small Business, Spending, stock, Strategies, stress, student, Student Loans, Style, takeout, tax, tax time, taxes, time, tips, title, Travel, Travel Tips, tuition, white, will, work, workers, working

What to know if you downsize your home to save money

January 27, 2023 by Brett Tams

Know the costs, consider the trade-offs and prepare for changing circumstances when downsizing.

The post What to know if you downsize your home to save money appeared first on Discover Bank – Banking Topics Blog.

Posted in: Home, Money Etiquette Tagged: adventure, baby, baby boomers, Bank, Banking, before, big, bills, Blog, boomers, builders, Capital Gains, capital gains tax, Cities, city, clear, College, condo, cost, Cost of Living, country, data, discover, downsizing, expenses, expensive, Fall, Family, Fees, finances, Financial Wize, FinancialWize, fund, furniture, healthy, hoa, home, home builders, Home Projects, homeowners, homes, house, House & Home, household, Housing, housing costs, impact, items, kids, layout, Life, Lifestyle, LOWER, maintenance, Make, making, Massachusetts, millennials, money, Money-saving Tips, More, Mortgage, mortgage payment, Move, Moving, moving boxes, moving out, National Association of Home Builders, new, new home, packing, plan, Planning, property, property taxes, Purchase, Raise, RE/MAX, realtor, Realtor.com, relocate, relocation, restaurants, retirees, right, save, Save Money, savings, School, simplify your life, single, single-family, single-family homes, space, storage, suburbs, tax, taxes, time, upkeep, will

Originators: Don’t rest on your laurels as economy improves

January 27, 2023 by Brett Tams

“What’s happening now in this last week and a half, we’ve seen volume grow in most parts of the country – not all, but most parts of the country. More contracts, more pre-approvals, more people visiting homes,” he told MPA. “Loan officers are going back to the habit of not prospecting because now, there’s more … [Read more…]

Posted in: Refinance, Savings Account Tagged: All, building, business, chase, contracts, country, crash, decision, diet, Economy, Financial Wize, FinancialWize, Grow, growth, history, homes, industry, Learn, Lifestyle, loan, loan officers, Make, market, miles, Mistakes, money, More, Mortgage, new, Other, paycheck, pressure, single, time, volume, will, work, wrong

Be My Guest: How to Style a Guest Room

January 27, 2023 by Brett Tams

Hosting friends and family members means that you get to spend quality time with people you love. Make your guests feel at home. These tips…

The post Be My Guest: How to Style a Guest Room first appeared on Century 21®.

Posted in: Bank Accounts, DIY Tagged: at home, bathroom, bedding, bedroom, before, Blog, Books, century21, Closet, Clothes, color, Decor, DIY, Essentials, estate, Family, Financial Wize, FinancialWize, flowers, furniture, good, guest, guest room, guests, healthy, home, home décor, Home Decor, Home Improvements, house, How To, Lifestyle, Make, makeup, offer, organize, paint, paint colors, pillows, quality, ready, room, sleep, space, stock, Style, time, tips, title, will
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