JPMorgan Chase is the largest bank in the United States and is the third-largest bank in the world. With a bank of that size, you would expect some exclusive benefits for its top clients, and Chase doesn’t disappoint.
Chase Private Client offers more robust clients with a combination of concierge banking, expert investment options from J.P. Morgan, significantly reduced fees, and other benefits.
Many banks offer concierge services, but the Chase Private Client program offers those same services and more, plus can give you the power of J.P. Morgan’s investment expertise. To be sure, not everyone will qualify for these upgraded services, but the rewards for those that do are great.
How to Qualify for Chase Private Client
Chase is pretty specific about the qualifications needed to take advantage of Chase Private Client benefits. In fact, they only have one stipulation. To qualify, Chase requires that you have an average daily balance of $150,000.
That’s not saying that you have to have $150,000 in cash in your Chase checking account. Chase just requires that you have invested $150,000 in assets with them.
While cash in your checking account is considered one of those assets, others include savings accounts, retirement accounts, and investment accounts. Any liquid asset that you have with Chase counts. Mortgages, lines of credit, and other loans do not apply.
If you don’t yet have $150,000 invested with Chase, you may have luck getting a Chase account specialist to waive that amount. They do this for certain clients, but only for a certain period of time. If you would like to be a Chase Private Client, you can sit down with a specialist to discuss your options.
So, how much does Chase Private Client cost? It’s free if you meet the above requirements.
Chase Private Client Banking Benefits
Fees seem to be a fact of life with banking. Overdraft fees, out-of-network ATM fees, and minimum balance requirements all add up over time.
With a Chase Private Client account, these fees don’t have to be a fact of life. In fact, this is what they offer:
No monthly service fee when you link a Chase Private Client checking account to a CPC savings account.
No fees for domestic and international wire transfers
No ATM fees worldwide when using a non-Chase ATM (including international debit card purchases or ATM withdrawals). They also refund the fees charged by other banks to use their ATMs, up to five per month.
No stop payment fees or bounced check fees.
No fees for counter checks, money orders, or cashier’s checks.
No exchange rate adjustment fees for debit card usage
No insufficient funds fees
No card replacement fees
No foreign transaction fees
No fee for 3 × 5 safe deposit box. Plus, you get a 20% discount for larger boxes.
You also get a daily ATM withdrawal limit of up to $2,000 when using your debit card. And your daily purchase limit is increased to $7,500.
Chase Private Client Credit Card Benefits
Chase Private Client customers get a slightly higher sign-up bonus on the Chase Sapphire Preferred Card. You can earn 60,000 bonus points after spending $4,000 on your card within three months of account opening versus 50,000 points offered to the public.
As a Chase Private Client, you used to be able to bypass Chase’s infamous 5/24 rule. However, that is no longer the case.
You do still get rushed replacement of your debit or credit card almost anywhere worldwide at no charge. You may also get a higher sign-up bonus in-branch for certain credit cards (on a case-by-case basis.)
Chase Private Client Personal Banker
Banking can be a hassle. You park, walk into your local branch, wait in line, and have to explain from scratch all your needs to a teller or account manager you’ll likely never see again. One of the most powerful benefits of being a Chase Private Client is that you’ll have your own private client banker.
You’ll be assigned one to two personal bankers who will take care of all your banking needs. They’ll also provide you with priority service and help connect you with other experts within the bank to help with all of your needs.
Chase Private Client Is Not Available in All Locations
Your bankers can help with mortgages and business banking needs and even get you significant rebates in the process. But not every Chase branch can cater to Chase Private Clients, and in fact, most of them don’t. Currently, they only have offices available in 23 states.
All states are not equally represented. Chicago alone, for example, has five locations, while Idaho only has one. Still, chances are that if you live in a metropolitan area or one with a relatively large population, Chase will have you covered.
Even without a physical branch available, you can still use their private banking service line. These are special phone lines dedicated to Chase Private Clients.
That means you get to talk to real people more quickly without having to wait. In addition, you’ll get priority service whether you need to order more checks, resolve issues with your debit card, or you need help with wire transfers or other transactions.
J.P. Morgan Client Advisor
Chances are, if you have $150,000 invested with Chase Bank already, you’re looking for that money to grow. In addition to personal banking services and Chase Private Client benefits, you also get the power of J.P. Morgan.
You’ll have a J.P. Morgan Private Client Advisor who can help you assess risk, talk about time frames, and help determine what type of investments are right for you.
Your J.P. Morgan Private Client Advisor will be available if you want to discuss investment strategies, retirement, or saving for your children’s college tuition. They’ll give you access to J.P. Morgan’s financial experience and help craft a strategy to reach your investment goals.
While you don’t have to use J.P. Morgan’s services, it’s available to you should you choose. They can help you with a personalized investment strategy, mutual funds, college planning, security-based lending, and annuities. You also get free online stock and ETF trades with You Invest℠ by J.P. Morgan.
With more than 160 years of experience, they’re definitely a good resource to have. Plus, there’s the bonus of getting advice based on the whole of your finances, rather than one single segment.
Business Banking Advisor
For clients who have a small business, they offer a dedicated advisor and a team of small business specialists who can help provide financing options and advice. They can also help businesses improve their cash flow and offer solutions for accepting payments.
Some other business benefits of Chase Private Client include no fees for electronic deposits for both Chase Platinum Business Checking and Total Business Checking accounts. In addition, Platinum Business Checking account holders have reduced minimum balance requirements.
Family Member Eligibility for Chase Private Client
One of the great things about Chase Private Client is that you don’t have to keep it all to yourself. You can share it with your family as well. If you share an account or accounts with a member of your family, they are eligible to enroll as well.
So, if your children are 18 or over and share an account with you, they can take advantage of all the benefits without needing a $150,000 balance.
That includes eliminating most fees associated with most checking and savings accounts, banking concierge service all their own, and J.P. Morgan investment services should they need it. This isn’t just a benefit for you; it’s a gift you can give to others.
You’ll be able to share all these privileges with those most important to you. It can save you money as well if you’re helping to support a child during college. They can save on ATM fees and other banking services, which puts more money in your pocket in the long run.
Other Chase Private Client Benefits
In addition to saving on fees and financial advice, there are some lesser-known benefits that come with Chase Private Client.
You get $750 off closing costs on loans. That’s $750 off every loan, including mortgages. As an added bonus, you’ll receive priority processing for all loans and senior underwriting support. They also offer discounts on home equity lines of credit.
It’s not all about saving money while banking; you’ll also be enrolled in the Chase Private Client Arts & Culture Program. This gives you free admission to museums in cities all over the country. From the Guggenheim in New York to the San Diego Zoo, you can enjoy culturally enriching attractions from coast to coast.
Ready to Join Chase Private Client?
For people with a large amount of savings on hand, that answer could very well be yes. It’s a high entrance qualifier, but the advantages are pretty clear.
Chase Private Client virtually eliminates banking fees. If you need investment advice, J.P. Morgan is there with a plethora of financial guidance.
Personalized banking associates, priority banking services, priority phone services, and other white glove services will appeal to almost everyone. Chase Private Client offers many benefits, and most people would love some personalized attention from their banks.
If you qualify, you should, at the very least, sit down and talk to Chase Private Client banker. You can head into your local branch or go to their website and request that they contact you.
Nobody wants to be paying as much as they do on a month-to-month basis. Home payments can make up a large portion of your monthly payments, but there’s a good chance you have other recurring expenses as well.
If you’re looking to save some money, monthly payments are where you should be looking. Depending on your current spending and payments, you could end up saving hundreds of dollars each month.
Some changes you should make to reduce your monthly payments won’t be fun, but others are going to be so easy that you’d wished you made the change months ago.
Here are some of the best ways to save money on your monthly payments:
Click to check today’s rates.
Improve the energy efficiency of your home
One of the quickest ways to reduce your monthly payments is to look at your bills. There’s a decent chance that your electric bill is a little larger than it should be.
Changing out lightbulbs and some appliances for more energy efficient versions can save you some decent cash pretty quickly. If you have the cash for it, replacing your windows with more energy efficient windows will also reduce your monthly payments while increasing the value of your home.
To further reduce the size of your energy bill, unplug devices when they aren’t on. Anything that’s plugged in is using “ghost power,” which basically means you’re paying for your devices to be off!
Get a VA refinance
The quickest way to reduce your monthly payments is to get a refinance, and, if you’re able, to get it through the VA.
There are two types of VA refinance: streamline and cash-out. Both will lower your monthly payments in the most important way: reducing your mortgage rate. Also, you’re able to use cash on both refinance options to make your home more energy efficient. This will save you money in two ways.
Refinances save people plenty of money on their monthly payments, and the VA gives homeowners different options for refinancing.
Click to check your VA refinance eligibility.
Non-Housing Ways To Save Money
Yes, your housing payment is likely the biggest expense you have each month. But that doesn’t mean you don’t have other expenses which could save you some cash.
The more you save each month, the easier it is to make mortgage payments while storing a little extra. To take the pressure off your mortgage payments, here are some ways to save money each month:
Change your cell phone/cable plan
Most cell phone carriers have similar reliability, so now they’re forced to compete with each other for lower rates and fees. You can take advantage of that. Shop your cell phone plan around and see if there’s an option that can save you some quick cash.
Another place to look is your cable plan, or whatever you use for TV. Many people have channels they don’t need, and some people could get by without cable completely. Reevaluate how badly you need all those channels – it could save you money.
Find lower insurance rates
If you’re a safe driver, odds are you can get a lower rate somewhere. Shopping insurance rates isn’t fun, but it saves you money.
The same applies to just about every type of insurance. Take a closer look at what you’re paying for and ask yourself if you really need it. Don’t try to get too skimpy with payments here, though – better safe than sorry at the end of the day.
Pay attention to monthly subscriptions
A monthly payment of $10.99 doesn’t seem like much, but when you have multiple subscriptions going on, this can add up pretty quickly. Services like Netflix, Hulu, subscription gaming and other streaming services are booming in popularity, and one reason the subscription service works is because you forget about it.
Go through your finances and look at services you pay for. Do any of them really add that much value? Just cutting out a few subscriptions could save you $25 a month, or $300 a year. The more you cut out, the more you’re bound to be saving.
Cutting your monthly payments isn’t always glamorous, but these methods will take you to your main goal: saving money. Refinancing is the most effective way to cut monthly payments without sacrificing too much (or anything), but if your goal is to save money, you shouldn’t stop with a refinance.
Picking the right home for your family means picking the right type of home loan as well. If you lack a huge down payment, you may qualify for and benefit from an FHA loan. Here with us is our very own real estate attorney Vanessa Clayton with a simple overview of loan options for today’s families.
Hi Vanessa! Thank you for being willing to share with us. First off, you’re new to Homie. Welcome aboard and congratulations!
Thanks, I’m so excited to be here! We have such a great team at Homie that truly loves helping buyers and sellers throughout the process of representing themselves and saving money. I love getting to help our customers with what is oftentimes one of the biggest and most important transactions in their lives!
What is an FHA loan and who is it for?
An FHA loan is a type of mortgage loan that is insured by the Federal Housing Administration (FHA). FHA loans protect lenders against potential losses as a result of a homeowner defaulting on their mortgage loan. The FHA loan program is also great for homebuyers who may not have the traditional 20% down payment saved, or the best credit score, but would like to purchase a home. Buyers can leverage an FHA loan to purchase a home with a down payment as little as 3% of the purchase price.
So if FHA is an agency, is it also a bank?
No. The FHA is a US government agency created in the 1930s to help stimulate the housing market. The FHA, and specifically their loan insurance program, remains popular to this day. Buyers obtain their loan through an FHA approved lender, as the FHA is not a lender itself but is instead an insurer.
What are the benefits of an FHA loan compared to other types of mortgage loans?
The first benefit is the ability to get a loan even if you have a low down payment. Conventional loans typically require a down payment of 10-20% of the purchase price. A minimum FHA down payment can be much lower and is directly related to a buyer’s credit score. Buyers with a credit score of 580 or higher can put down as little as 3% on the purchase of their new home. Have a credit score of less than 580? Not to worry, you may still qualify for an FHA loan if you have a credit score between 500-579, but the down payment requirement will be higher.
A second benefit is that FHA loans also require the seller and lender to pay most of the closing costs. Closing costs can be a significant expense, so this is a great option for buyers who may not have cash readily available. If you’re low on cash and want a seller to pay closing costs, you’ll need to include that as part of your offer. There’s a separate FHA addendum that you’ll need to include with your contract, so make sure to let your real estate attorney know if you are going the FHA route.
What are the costs associated with an FHA loan?
When utilizing a FHA loan, buyers will pay an additional fee called a mortgage insurance premium, which is used to protect the lender against potential loss as a result of a default on the mortgage. There are two types of mortgage insurance premiums. The first mortgage insurance premium occurs up front and is 1.75% of the loan, regardless of the borrower’s credit score. The second mortgage insurance premium is an annual premium (paid monthly along with your mortgage payment). A buyer may be able to get rid of the annual mortgage insurance premium once the buyer has enough equity in the home (usually 20%).
How do buyers qualify for an FHA loan? Are there age requirements or limits on the number of homes they’ve purchased in the past or own now?
Your lender will walk you through the specific requirements, but here are some items to be aware of: FHA loans can only be used for your primary residence, and an FHA certified appraiser will need to appraise the property. There is no age restriction or restriction on how many houses you have bought in the past.
What should buyers look for in choosing a bank that does FHA loans?
Most lenders offer FHA loans, so just ask. Be aware, though, that not all FHA lenders offer the same interest rate. As with any loan, it makes sense to shop around to find the right fit. If you’re considering an FHA loan, now is a great time to visit our lending partners.
Thank you so much, Vanessa! I’ll let you get back to work and will end by simply reminding everyone that it is completely free to use our Buy Any Home program. Get the expertise of an attorney like Vanessa when you use Homie to help you buy a home without any real estate agent fees–or any fees at all, for that matter.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
Affirmations have been all the rage over the past few years, and people are using them to achieve their goals.
“I am in control of my finances”
“Money comes easily into my life”
or even “I love money!”
What about you? Do affirmations work for your goal? I’m not one to shy away from a challenge, so let’s find out!
Are you struggling to make more money, even though you work a lot? Do you feel like your finances aren’t where they should be and that there is something missing in your life?
If so, here are some money affirmations that can help.
Affirmations are statements that you say to yourself over and over again.
They can help you manifest your goals by re-affirming them in your mind on a daily basis. They become part of who you believe yourself to be and bring about desired outcomes with ease.
You may have heard these before, but do you consistently say them to yourself? Journal them? Write them everywhere?
I’ve compiled some of my favorite money affirmations for money below. I hope these help give you the encouragement and inspiration to re-affirm what’s important in your life!
What are money affirmations?
Affirmations are a powerful way to change your thoughts and, in turn, your life.
They are simple, positive statements that you repeat to yourself regularly. The purpose of affirmations is to attract whatever you desire into your life- including money!
Why are money affirmations important?
It’s important to remember that affirmations work subconsciously.
You may not see results overnight, but with time and repetition, the desired outcome will manifest. Wealth affirmations specifically focus on money and what a person will do with it after they have made it through the manifestation process.
Affirmations on Money
Although using affirmations is a great way to achieve financial success, they should not be used as the only tool in your arsenal. Manifesting your goals takes time and effort, and affirmation is just one piece of the puzzle. Make sure to take actionable steps towards your goal and be patient!
Affirmations can also be used to create SMART financial goals– specific, measurable, attainable, relevant, and time-bound goals that you can track over time for motivation purposes
How can money affirmations help you attract more money into your life?
Affirmations are one way to help you focus on your thoughts and dreams.
When you repeat an affirmation, you plant a seed in your subconscious mind that will grow over time.
This helps to manifest what you want into reality.
These seeds will grow over time and bring about new thoughts, beliefs, and habits into a mindset of abundance. Money affirmations have a “magnetic” effect that attracts like-minded thoughts to your life–helping you achieve your financial goals faster!
There are many ways to bring more money into your life, but using affirmations is one of the most effective methods. Affirmations can help create strong positive emotions that attract money and other forms of abundance into your life. When used consistently, money affirmations can be a powerful tool for attracting wealth and prosperity into your world!
Below we will give you exactly what can I say to attract money.
What is a way specific money affirmations can be used to attract more money?
When it comes to attracting more money into your life, there are many different affirmations that can be useful.
Many people ask, “What are the best affirmations for money?”
Below are a few examples to get you started:
“I am abundant and prosperous.”
“Money flows easily and effortlessly to me.”
“I am safe and secure with my finances.”
“My income is constantly increasing.”
“I have all the money I need and more.”
Do affirmations work for money? Absolutely, yes.
How often should you repeat money affirmations in order to see results?
The more often you repeat your affirmations, the better.
However, don’t feel like you have to do it all day long. Just a few minutes each morning and evening should be enough to start seeing some results.
Remember that affirmations are just like any other habit- the more you do them, the easier they become and the better the results will be. So stick with it!
Do money affirmations really work or are they just a waste of time?
There is a lot of debate on the internet about whether or not money affirmations actually work. Some people swear by them and claim that they have had great success using them, while others say that they are nothing more than a waste of time.
One thing that is for sure is that money affirmations do have some very powerful success stories behind them.
People like Oprah Winfrey and Lady Gaga were successful before they ever became public figures, and a lot of their success can be attributed to their belief in themselves and their determination to work hard at everything they do.
In fact, many of the billionaire morning routines include starting their days with positive affirmations.
Can affirmations make you rich and come to abundance?
When it comes to getting rich, many people believe that affirmations are the answer.
The idea behind using affirmations is that if you repeat something often enough, you will start to believe it and eventually it will come true. However, this isn’t magic – rather, it’s a matter of shifting your beliefs.
And while affirmations won’t make you rich overnight, they can cause desired results to appear over time.
Mindset and Affirmations
The key thing to remember with affirmations is to maintain a positive mindset.
You want to be focused on attracting wealth and abundance into your life, not just thinking about what you don’t want. Money affirmations can help raise your vibration and shift your beliefs so that you can start attracting more money into your life.
Remember…Mindset is everything.
How do affirmations work?
Affirmations work because we keep repeating them to ourselves. It’s like a self-fulfilling prophecy!
Our subconscious mind picks up on the positive affirmation and starts to change our behavior over time.
The more effort we put into it, the better chance that our subconscious will start accepting these new thoughts as truth.
Affirmations are conscious and subconscious–both play a role in helping us manifest what we desire. Positive affirmations help us get rid of negative thoughts and replace them with more confident ones. We need to be mindful of our words and truly believe in order for the affirmation to work its magic!
The subconscious begins to accept positive reinforcement over time as long as we continue putting in the work. Eventually, this helps us change our mindset and see things in a different light. “I can” replaces “I can’t.”
This is because affirmations work best when they’re phrased positively!
What do experts say about using money affirmations to attract more money?
When it comes to attracting more money into your life, there are many things you can do to help increase your chances of success. Some people may swear by the power of affirmations, while others find that other methods work better for them.
However, most experts agree that using some type of affirmation is a good way to start visualizing your goals and keeping them at the forefront of your mind.
Affirmations can also help open up your mind to opportunities in a confident way, attracting more opportunities for you. While they won’t create wealth on their own, if used correctly they have the potential to help people create more money.
Keep in mind that affirmation is not a magic solution – it takes hard work and dedication no matter what method you choose – but if you’re looking for an edge, using daily affirmations could be the right choice for you.
What is the science behind money affirmations and how do they work?
When it comes to the science behind money affirmations, there is a lot of research that supports their efficacy.
A study published in The Journal of Positive Psychology found that people who regularly use positive self-statements (such as daily affirmations) have increased well-being and decreased levels of anxiety and depression.
The reason why affirmations work is because they help to change your beliefs and the vibrations you emit into the universe.
When you think positively about yourself, you are sending out positive vibes into the world which can attract more good things into your life.
Your words are powerful magic wands when it comes to shaping your own reality. What you focus on expands! So by repeating money affirmations, you are essentially telling the universe that you want more money in your life and that you are ready for it to come to you.
Affirmations are an easy way to change the way that you think, and they can be used as a tool to remove any barriers that are holding you back financially in life. If you’re feeling stuck under a scarcity mindset, start using some money affirmations today and see how they can help you achieve your goals!
Here are 125+ money affirmations you can start using today!
Money Manifestation Affirmations
When you repeat money affirmations, you are programming your mind to believe that it is easy and natural for you to be prosperous and successful.
You are sending a message to the universe saying, “I am open to receiving wealth and abundance.” As you continue to recite these affirmations, you will start to see changes in your life as you attract more money into your experience.
Manifesting a healthy relationship with money is important.
1. “I have more than enough money, and that’s okay.”
2. “It is easy and natural for me to be successful and prosperous.”
3. “My income is constantly increasing.”
4. “I easily attract new sources of income into my life.”
5. “I gratefully accept all the wealth and abundance the universe has to offer me”.
6. “When I put in the work, the universe will provide.”
7. “I anticipate money to work for me.”
8. “Money + abundance happen to me.”
9. “With the power of attraction, I will bring wealth and money into my life.”
10. “I love having plenty of money.”
11. “The more I give away, the more I receive.”
12. “Wealth can come to anyone including me.”
13. “I am enough and my intention attracts money to me.”
14. “My prosperity is unlimited.”
15. “My path leads to riches.”
Money Affirmations that Work Fast
Money affirmations are a great way to attract more money into your life.
They are positive statements that help you focus on your goals and visualize yourself achieving them. Repeating these affirmations will help you program your mind for success and abundance.
16. “Money is a positive force in my life.”
17. “I will make $100 today.”
18. “I will make $1000 tomorrow.”
19. “By design, I will reach my potential.”
20. “I am a magnet for wealth and abundance.”
21. “I believe in myself.”
22. “Money flows easily and abundantly to me.”
23. “Money is my friend, not my enemy.”
24. “By releasing my money blocks, I open myself to letting money flow in.”
25. “I welcome various ways to make money.”
26. “Money allows us to live the life we want and achieve our goals easily.”
27. “I am in control of my future.”
28. “I attract money easily in my life.”
Powerful Money Affirmations
Money affirmations are a powerful way to attract more money into your life.
Repeating these affirmations will help you to change your mindset and start to see yourself as someone who has abundance, rather than someone who is always short on money.
These power money affirmations reassure you that no obstacle is too big and that you have the power to overcome any hurdle.
29. “I am blessed with an ever-flowing stream of prosperity.”
30. “I release all fear and doubt around money.”
31. “More money is coming to me.”
32. “I am confident in my ability to handle any money-related challenges that come my way.”
33. “As a powerful creator, attracting money into my life with the power of my thoughts and feelings.”
34. “I will invest $100 make $1000 a day.”
35. “I know that I can overcome any obstacle and attract more money into my life.”
36. “My guiding belief is my motivation and my reality.”
37. “I am a money magnet; money comes to me easily and effortlessly.”
38. “I am capable of overcoming any money-obstacles that stand in my way.”
39. “Money is a close ally in life.”
40. “Being independently wealthy is a part of my life.”
41. “I am grateful for what I been blessed with.”
42. “I am rewriting my money story.”
43. “Money helps me experience time freedom.”
Positive Money Affirmation
These affirmations underscore the importance of taking a holistic approach to financial health. Self-care is essential, as is developing a strong sense of self-worth.
When you feel good about yourself on all levels, you’re more likely to make healthy financial decisions.
44. “I am worthy.”
45. “I release my limiting beliefs surrounding money.”
46. “Building self-worth will lead to better financial choices.”
47. “I visualize my future self and believe it has already happened.”
48. “Money is just a form of energy that flows to me effortlessly and abundantly.”
49. “I am able to easily afford whatever I want.”
50. “Money is an avenue to have a positive impact.”
51. “I am so lucky that I am able to earn more money than I could possibly fathom.”
52. “Money is attracted to me by virtue of the powerful vibrations I radiate.”
53. “I am not ashamed or feel guilty about having an abundance of wealth.”
54. “Money comes to me in huge quantities through my ability to attract it from the universe.”
55. “It is safe for us to be wealthy and successful.”
56. “I am thankful for the positive impact money has had on my life.”
57. “I love my positive outlook on my life and the riches that come from it.”
Financial Affirmations
While you may be feeling down about your current money situation, know that there are ways to change it. Use a variety of positive financial affirmations for different money goals, such as attracting more money into your life or becoming debt-free. You can also personalize the affirmations to fit your own needs and situation.
These financial abundance affirmations help guide you to where you want to be financially. Learning how to become financially independent starts with believing that you can.
You may not be where you want to be yet, but with time and effort, your wealth situation will improve.
58. “I will have money left over at the end of the month.”
59. “My payday is approaching.”
60. “Money does not control me. I control my money.”
61. “Money comes to me in unexpected and wonderful ways.”
62. “My finances are always in perfect order.”
63. “My income will exceed 6 figures.”
64. “I have complete control over my financial destiny.”
65. “All my needs and wants are always taken care of.”
66. “I love having lots of money to spend.”
67. “Don’t let feeling behind today stop you from building the life you want tomorrow.” — The Financial Diet
68. “I am financially free.”
69. “I am worthy of financial success.”
70. “With hard work, I will attain the financial future I desire.”
71. “I am excited to maintain my budget and reach my money goals.”
72. “Step by step, I will achieve my financial goals.”
73. “Money is a tool available to anyone and I will use it to my advantage.”
Saving Money Affirmations
While your current money situation may be less than ideal, you can use these affirmations to change your mindset and start attracting more money into your life.
Repeating these affirmations will help you focus on the positive aspects of wealth and abundance, and eventually bring more financial security into your life.
74. “Money in the bank makes me feel secure.”
75. “My money situation may not be what I want right now, but I am in better shape than I was last month.”
76. “I will save 10000 in a year.”
77. “I might make a pretty low-income at the moment, but I am still saving money.”
78. “My worth is not determined by my net worth.”
79. “I am saving for my future self.”
80. “Making small sacrifices now will build my increase my savings later.”
81. “Through investing I am able to make passive income.”
82. “A penny saved is a penny earned.”
83. “Financial stability brings me peace.”
84. “I say no today in order to say yes tomorrow.”
85. “I will stay debt-free because money is constantly flowing into my life.”
86. “My saving rate is beyond my dreams.”
87. “The challenge of saving more money lures me in.”
Money Flows to Me Easily and Effortlessly
One of the simplest and most effective ways to attract more money into our lives is through the use of affirmations.
Repeating positive statements about money can help change our underlying beliefs and open up new opportunities for financial growth.
Money comes in both expected and unexpected ways, so it’s important to stay open-minded about how it could enter your life.
88. “I let go of any resistance to attracting money.”
89. “Financing my life is an easy task for me.”
90. “I will double 10k quickly.”
91. “My money situation right now may be tight but it’s changing for the better”
92. “I am surrounded by an aura of wealth and abundance.”
93. “Money comes in many different forms, and it can come to us in both expected and unexpected ways.”
94. “Money is an energy that flows to us in many ways.”
95. “I attract money easily and effortlessly.”
96. “I am open to the flow of money my way.”
97. “Money magnet is my name.”
98. “Money attraction is easy for me.”
99. “I can rely on left hand itching to bring me money.”
100. “I turn money into more money.”
Money Affirmations for Success
These help you cultivate positive beliefs about your ability to earn and manage money. These positive thoughts will help support your efforts as you work towards financial success.
101. “It’s easy and natural for me to be prosperous and successful.”
102. “I am surrounded by people who support my financial growth.”
103. “Money is a tool that lets me construct my life how I see fit.”
104. “I have unlimited opportunities to make more money.”
105. “I am not afraid of achieving success.”
106. “Becoming rich doing what I love is a gift.”
107. “I have super-abilities to be successful.”
108. “Success is the best revenge.”
109. “I don’t need to be a millionaire to be successful.”
110. “I have control of my financial future.”
111. “The sky is the limit to what I can achieve.”
112. “A positive money mindset will serve me well.”
Wealth Affirmations
There are many different money affirmations that can be used to attract more money into your life.
Wealth and abundance come in all shapes and sizes, so it’s important to find an affirmation that resonates with you. “I am worthy” is a good place to start if you want to build self-worth and confidence, which can lead to better financial choices down the road.
You may not be where you want to be yet, but with time and effort, your wealth situation will improve.
These are positive affirmations for success and wealth.
113. “I am open and receptive to wealth and abundance.”
114. “Wealth and prosperity are my birthrights.”
115. “I am open to receiving all wealth life brings me, not just what is coming today or this month.”
116. “Abundance can come in many different forms!”
117. “Wealth is a step towards how to FI.”
118. “I have more than enough money, and that’s okay.”
119. “Financial freedom will happen sooner than I believe.”
120. “The more wealth I have, the more I give back to others.”
121. “There is plenty of wealth to be made.”
122. “Money can be shared when saying ‘I appreciate you.’”
123. “Wealth flows to me easily.”
124. “Having more than enough money does not mean I love money.”
125. “My wealth is limitless.”
How Do You Write Affirmations For Money?
Regardless of how money comes to us, it is important to remember that we always have the ability to attract more of it into our lives. By repeating positive affirmations about money, we can increase our chances of attracting more abundance into our lives.
Following these guidelines will help you write effective affirmations that move negativity out of your life and bring more money into it!
When you’re writing affirmations for money, it’s important to remember a few key things.
Step #1 – Need a Present Tense
First, always use the present tense; this will help your unconscious mind process the affirmation more easily.
Step #2 – Change to Positive Words
Second, make sure your words are positive–for example, “I only spend money on things I love” rather than “I don’t have to worry about money.” This will help you attract financial abundance and success into your life.
Step #3 – Believe it is Already Yours
Finally, before affirming any goal or intention, take a moment to really feel what it would be like to have that already in your life. Our unconscious minds respond better when we can imagine and experience what we want in advance.
There are a number of books that focus on mindset and how to change it for success. The list below contains some of the best ones that I’ve found.
These books teach you to believe in your ability to shape your own destiny and achieve great things.
Remember you need these essential mindset books to help you change your perspective and achieve success. Remember, it’s not about avoiding or getting rid of obstacles, but turning them into advantages.
Embrace the challenges in life and continue moving forward!
Mindset is everything.
This is a simple but profound statement that has been discovered by Carol S. Dweck, Ph.D. She found that success in school, work, sports and almost every other area of human endeavor can be dramatically influenced by how we think about our talents and abilities.
The key to success is having the right mindset – a growth mindset.
In order to achieve success, you need to change your mindset.
This book will teach you how to change your mindset and get the most out of life and some colorful quotes that you will quote.
You will learn how to change what you don’t love, use external forces to kick some serious change in you and find your inner power. You will learn how to embrace your inner vibes.
Each morning start your day with a positive affirmation from this Daily Rituals book. Follow the simple exercises.
By practicing these rituals regularly, you will train your mind and raise your vibration levels.
Color your way to manifest your money affirmations. Unplug yourself and get a well-needed mental break.
Attract the abundance of wealth into your daily life.
Make Money Affirmations Quotes
The best part of all of these powerful money affirmations … you can turn them into quotes!
You can use a simple post-it note and pen! Or upgrade and make them in Canva.
Not artistic? Etsy has you covered! Don’t worry Etsy has plenty of money affirmation quotes.
In fact, we are thinking about designing a package of money affirmations quotes for our readers!
Hang them on your wall as a constant reminder.
How can you tell if money affirmations are working for you?
One way to tell if money affirmations are working for you is to look at your bank account.
If you find that you have more money in your bank account than usual, it is a good sign that the affirmations are working.
Another way to tell if the affirmations are working is by looking at your overall mood and attitude towards money.
If you find yourself thinking about money less often and feeling happier and more positive, then the affirmations are definitely working for you!
Money affirmations take time to manifest, so don’t become discouraged if you don’t see immediate results.
Repeating abundance affirmations can help you to open up to the flow of wealth in your life.
By affirming that you are open to receiving all the wealth life has to offer, not just what is coming your way today or this month, but also the wealth of tomorrow, you start to invite more money into your life.
Check out these millionaire quotes to keep you aiming for the stars!
At the end of the day, you don’t need to feel guilty or ashamed about having an abundance of wealth–that’s perfectly okay!
Know someone else that needs this, too? Then, please share!!
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
Frugal green living is important for everyone because environmental issues affect all of us, not just the people who can afford to be eco-conscious.
Plus the concept of frugal green means you are saving money! And that is always helpful.
This is why I created this blog, to help people save money, find financial freedom, and have choices in life.
Reducing your carbon footprint is one of the greatest gifts you can give to yourself and the planet.
But how do you save money while also making a difference? It’s possible!
This is why choosing to be frugal green is so important!
These are all frugal ways that I have personally done or heard of other people doing as well. They are tried-and-true methods of living a more frugal life, and I hope that you will find them helpful. Plus help the environment at the same time.
This is a win-win situation.
Have you ever wondered how to be environmentally friendly?
Do you want to save money and the environment at the same time?
This article has 91+ frugal green living tips that will help! Let me know which ones are your favorites!
How to save money and be frugal green?
There are many ways to be frugal green and save money while helping the environment.
Plus in the long run living green costs less.
We will cover ideas for your kitchen, car, shopping and so much more. There are many other ways to be frugal green, so find what works best for you and make a difference!
These are ways to live more sustainably while saving money.
Importance of Sustainability and the Environment
You can save money and help the environment without making any major changes to your lifestyle.
Some easy ways to do this include, but are not limited to, changing your habits at home, buying used instead of new, and being more conscious about how you use energy.
Every day you can make the decision to choose to be a thrifty person.
Top 10 Best Frugal Green Living Tips
In order to save money and be more environmentally friendly, try some of these tips:
1. Reduce your use of plastics. This means bringing your own bags to the grocery store, refusing straws when you order drinks, and not using disposable utensils or plates.
2. Make Recycling a Priority. Recycling is important, and everyone should do their part to make it a part of their everyday routine. It’s not just for plastics and paper- there are many different things that can be recycled. By taking small steps like bringing a reusable coffee mug, we can all make a big difference in the long run.
3. Ride a bike or walk instead of driving. Not only is this better for the environment, but it’s also a great way to get some exercise.
4. Do the “green thing” and buy things secondhand! When you’re considering your lifestyle choices, buying things secondhand is a great way to do the “green thing.” You can save money and help reduce the amount of waste that goes into landfills.
5. Only buy what you need. Many times we buy things out of convenience or wants. Truly evaluate whether the purchase is necessary or if you can save money by buying used.
6. Compost as much as possible. Not only does this help reduce waste, but it also helps create nutrient-rich soil for plants.
7. Consider your carbon footprint. Americans use a tremendous amount of resources and impact the planet in many ways. We consume a lot of energy, materials, and water. Our lifestyles have a big environmental impact. There are many ways to be frugal and environmentally conscious, including recycling and reducing food waste.
8. Cut Out Paper and Plastic Waste. One way to be more frugal and green is to reduce the amount of paper and plastic waste you produce. Technology has greatly improved in many ways to cut down on plastic and paper consumption, so take advantage.
9. Think Before You Throw Away and Buy New. We are way too quick to toss things and replace them without even thinking. Next time before you throw it into the landfill, think about how you can reuse, repurpose, or give away the item.
10. Upcycle. The concept of upcycling has gained popularity in the past years. It is a simple way of taking something ugly and worn down, putting some TLC into it, and making it into something beautiful.
Related Reading: Top 10 Influential Frugal Living Tips with a Big Impact
Being frugal and being environmentally conscious may not always go hand in hand.
In some cases, you may have to make a choice between buying an eco-friendly item that is more expensive or sticking with a cheaper, non-sustainable option.
However, many of the aims of frugal families link to eco-friendly living.
Below are simple sustainable products to consider buying instead of their wasteful counterpart.
Reusable food bags are a great way to reduce your environmental impact while also saving money.
There are a variety of different types of food grade eco-friendly bags on the market today. They are made of safe, eco-friendly materials that will not harm the environment and they are lead-free, chloride-free, and BPA free.
Bamboo straws are a great eco-friendly alternative to plastic straws.
They are compostable, meaning they will never pollute the environment or harm animals. Bamboo straws are odorless and tasteless, so you can use them with any drink. Reusable bamboo straws make a great addition to your everyday kitchen supplies.
These dish cloths are also super absorbent and work better than microfiber cloths and paper towels for cleaning.
They are made from cellulose, which is a soft material that is gentle on your hands. They can be used for a variety of tasks, such as dishwashing, wiping down counters, and polishing furniture. And they are durable enough to be reused multiple times.
A reusable K-cup is a great way to reduce your environmental impact while enjoying your favorite cup of joe.
Works perfectly in our house! Not only do they help you save money in the long run, but they also allow you to customize your coffee experience like never before. Plus, using a reusable k-cup is an easy way to reduce waste and help preserve our planet.
Frugal Green in the Kitchen & Table
There are a number of ways to save money and be frugal green in your kitchen.
Use a Reusable Coffee Mug. So simple and easy to do. Pick your favorite up here.
Skip plastic straws. This is a simple thing to do for the environment. Buy reusable straws. And don’t forget the cleaning brush (hint… the cleaning brush will save you from throwing away your reusable straws.)
Skip the Paper Plates and Plastic Utensils. You will be shocked to see the waste this creates. Invest in quality dishes you like and don’t be afraid to wash them up.
Invest in a Water Filter. If you’re looking for ways to improve your diet and save money, consider investing in a water filter. We upgraded to an under-the-sink mount water filter and it was the BEST choice ever! This is the exact one we bought.
Cook at Home. Making your own meals can save you a lot of money in the long run. You’ll be surprised at how much money you can save by cooking simple meals yourself.
Grow a Kitchen Garden. One way to reduce your food costs is to grow some of your own fruits and vegetables. You can start with a kitchen garden, which is a small plot of land near your house where you can plant fruits, vegetables, and herbs. if you don’t have space, check out these Aerogardens.
Stop Using Plastic Wrap. To reduce your reliance on plastic wrap is to invest in some beeswax food wraps. These work just as well as plastic wrap, but because they’re made of natural materials, you can reuse them over and over again!
Air dry dishes. This is because air-drying dishes use less energy than running a dishwasher and takes up less time.
Stick With Instant Pot. When you’re cooking, try to use a microwave or pressure cooker instead of your oven. Ovens produce a lot of heat and use up a lot of energy, so using these other appliances will help conserve resources. This is the Instant Pot/Air Fryer Combo I love (and use ALL.THE.TIME)!
Frugal Green Cooking & Menu Plan
This may not seem as environmentally conscious as other areas, however, it will help your wallet more.
Buy produce at the local market. Fruits and vegetables tend to be cheaper at the market than they are at the grocery store, so this is a great way to save some cash while also doing your part for the environment. Plus you save on the costs of trucking in the produce and support local.
Join a CSA. These community-supported agricultures have become popular ways for consumers to buy local and seasonal food directly from the farm. You normally have a dollar amount buy-in or a certain number of hours worked for food.
Enjoy Organic Foods. Organic foods may be worth the extra cost – organic food has a higher nutritional value than conventional food, plus it’s better for the environment because it doesn’t require pesticides or chemical fertilizers.
Go Meatless. Americans, on average, eat twice the recommended amount of meat. Meat production is one of the leading causes of greenhouse gas emissions and climate change. Consider your carbon footprint when making dietary decisions.
Shop Grocery Weekly Ads. Start by looking out for food sales at the grocery store. This can help you save money while also being more mindful of the environmental impact your food choices have.
Meal Plan. One great way to save money on groceries is to plan your meals ahead of time. This allows you to be more strategic in your shopping and can help you avoid buying items that you don’t need.
Use Leftovers. When you’re cooking a meal, always cook a little more than you need. This way, you’ll have leftovers that can be used to make another meal or stored in a glass jar for later use.
Pantry Challenge Time! One way to save money on your groceries is to consider doing a pantry cleanse. This means eating all the foods in your pantry that are sitting there. Then, only buy groceries that you know you’ll use. This can help you avoid overspending and wasting food.
Skip Pre-Made or Boxed Mixes. Making your own is a more affordable option, as pre-made or boxed mixes can be expensive. There are many recipes online that are healthy and affordable, and by planning ahead you can save time and money.
Shop the Perimeter of the Grocery Store. A lot of people want to save money and be more environmentally friendly, but don’t know where to start. One way to do both is to try to stick to the perimeter of the grocery store. This means avoiding the center aisles, where most processed foods and extra packaging are found.
Buy Generic Brands. Generic brands are less expensive than their name-brand counterparts. This is because generic brands do not have the same marketing and advertising costs as name-brand products. Many times the quality is the same or better!
Key Frugal Green Ideas While Shopping
These are environmentally friendly ways to improve your shopping habits. Many people may call this frugal minimalism.
Donate First. It’s easy to just dispose of something when it’s no longer needed, but sometimes that thing could be reused or recycled. For example, if you have an old TV that isn’t being used, try selling it or donating it before throwing it away. There are a lot of people who might need your old TV, and you can get some money for it if you sell it.
Buy Refurbished. On the other hand, if you’re in the market for a new TV, think about buying one that is refurbished instead of buying a brand-new one. Refurbished electronics often come with the same warranty as new ones and cost way less than buying a brand-new model.
Try Fixing First. Just because something is broken doesn’t mean you have to throw it away! Many times, things can be fixed very easily and cheaply. If your electronic device is leaking toxic chemicals, however, you should definitely not try to fix it yourself–take it to a professional recycler instead.
Reuse your own grocery bags. This will save both money and the environment, as disposable grocery bags often end up in landfills. Also, many stores are now charging for grocery bags, so save a few bucks at the store.
Do not buy new books. You can borrow books from the library or from friends, or you can buy them used. Buying new books wastes resources, and it’s often cheaper to buy them used.
Use the Library. The library has a wealth of books, movies, and music that you can borrow for free. Plus you can find access to tons of digital resources as well.
Shop Second-Hand Stores for your needs. These are great places to find clothes, furniture, and other household items at a fraction of the price.
Stop buying the paper version of the newspaper. Instead, get the daily news online for free. Not only will you save a few bucks each month, but you’ll also help reduce deforestation.
Shop at Sustainable Businesses. Thankfully, many companies focus on being sustainable businesses by making changes from production, to packing to shipping. As a whole, the industry could do better to create less waste. One sustainable company is the Everyone Store.
Think Twice on Gifts. Really consider what someone would want for a gift. Too many times we opt for quick and cheap gifts that are materialistic in nature and never be used. So, consider some of these money gift ideas instead.
Frugal Green Cleaning Products that Are Eco Friendly
You may not be environmentally aware of the hazards of using most cleaning products. In fact, you should check your normal cleaning products with EWG’s database and their standards.
DIY Baking Soda & Vinegar. Using green cleaning products is usually more expensive than traditional ones. Baking soda and vinegar are easy-to-find, cost-effective alternatives to environmentally unfriendly cleaners.
Use Microfiber Cloths. Personally, this is my favorite way to cut the expansive (and not-good-for-you) cleaning products. These microfiber cloths are just as effective at cleaning and will save you money in the long run.
Skip the Disposable Rags. Use up-cycled rags from old clothes to pick up spills.
Stop Using Air Fresheners. Reduce or eliminate the use of air fresheners, which release harmful chemicals into the air. Plus they are super costly!
Frugal Green & Energy Use in the Laundry Room
Use Detergent Powder. Washing your clothes in a washing powder uses less water than liquid tabs, which come in more plastic packaging. Also, the powder is a much better environmental solution and better for your body. This is the detergent powder we use and love (and those I recommended it to love it as well)!
Sniff Test. Implement the sniff test and only wash clothes when they fail the sniff test. Beware of this recommendation with teenagers!
Line Dry Clothes. Additionally, line drying clothes throughout the year can save a ton on your energy bill! Plus your clothes do not wear as quickly.
Watch Your Hot, Wash in Cold. One easy way to save money on your household bills is to reduce the amount of hot water you use. Heating water takes up a large percentage of the energy used in households, so by washing your clothes in cold water, you can cut down on your energy usage significantly.
Frugal Green in the Bathroom & Morning Routine
Use Less Shampoo or Soap. In order to save money on your grocery bill, you can use less shampoo than is recommended. If everyone did this, it would result in significant monetary and plastic savings.
Turn the water off while brushing your teeth. It is important to turn the tap off while brushing teeth in order to conserve water. Many people forget to do this, and as a result, millions of gallons of water are wasted every year.
If it’s yellow, let it mellow. If the toilet water is yellow, it’s ok to let it mellow. You don’t have to flush to turn it off every time. Thanks to auto-flush toilets in most places this is very common for people to forget to flush at home.
Take Cooler Showers. This may not be everyone’s favorite. But take a cool shower rather than a piping hot shower. Most of the energy used is the hot water heater warming up the water.
Use Every Last Drop! There are a few ways to get the most out of your products and conserve them- one way is to leave bottles upside down for a couple of hours after you’ve used them so that you can get the last bit of product out. You can also roll up toothpaste tubes to get the remaining paste out. Here is a great product to help you squeeze every expensive ounce out.
Related Reading: Billionaire Morning Routine: How To Achieve Success In Life
Green Lot with Frugal Green Landscaping
Xeroscape Your Lawn. Lawns are often seen as a status symbol, but they’re actually quite expensive and environmentally damaging. They require large amounts of water, fertilizer, and pesticides to maintain, which can leach into the groundwater and pollute the environment.
Change Mowing Schedule. Additionally, lawn mowing emits greenhouse gases that contribute to climate change.
Water Less Often. While this sounds great in theory, you may not be able to fully switch to xeriscaping your yard. If you can’t switch, then check out this Rachio to lessen your dependence on water.
Frugal Green Home Ownership
There are many ways to save money and be more environmentally conscious at the same time when owning a home.
Your home is probably one of your biggest expenses, so it’s important to take measures to conserve energy and save money. Plus there are many ways to reduce the amount of energy your home consumes!
Home Improvement Math. When considering whether or not to make an improvement to your home in order to reduce your carbon footprint, always do the math to see if the improvement will actually pay for itself. Sometimes it will and sometimes it won’t so be sure to weigh all of the options before making a decision.
Downsize Your Home. If you live in a large house, consider moving into a smaller one. This will help you save on your energy bill and make your home more efficient.
Install low-flow fixtures. One way is to install low-flow fixtures, such as showerheads and faucets. This will reduce your energy use and, in turn, your monthly bills. You can also save water by taking shorter showers.
Hang UV Blocking Curtains. By stopping the sun from heating up your house with curtains during the day, you can save on cooling costs in the summer. Using UV blocking curtains is something we did and notice a significant difference in the summer and winter.
Run Appliances with Full Loads Only. Wait until you have a full load of dishes or laundry before running the dishwasher or washing machine. You would be surprised at the amount of energy and water it takes to run those appliances.
Be Reasonable with Air Conditioning Temperature. In the summer, don’t crank up the air conditioning to save on your energy bill. You can also set your thermostat a couple of degrees higher in the summer to save money. Also, you may want to start cooling your house earlier in the day to prevent your AC unit from working overtime and consuming more energy.
Program Your Winter Heating Temperature. In the UK, A/C is not as common as it is in other countries. Central heating is used more often and is set to a lower room temperature for the summer and a higher room temperature for the winter. This is because people want to save on their energy bills.
Open Windows to Cool House. When the weather is nice, open your windows to allow for natural cooling. This is a simple and cheap way to cool your house. Especially after a nice cool thunderstorm.
Buy Energy Efficient Appliances. Energy-efficient models might be more expensive in the short term, but they will save you money in the long run and help reduce your environmental impact. However, these products should only be bought when the older model is worn out–don’t replace something just because it’s energy-efficient!
Replace Windows. On the one hand, it’s a great idea to replace your windows with more energy-efficient models if you’re staying in your home for many years. However, if you plan on moving within a few years, it might not be worth the investment. You’ll need to weigh the cost of the windows against how much money you’ll save on your monthly energy bill.
Get a programmable thermostat. Programmable thermostats are a great way to save money on your energy bill. You can set them to turn off or down when you’re not at home, or during times of the day when you don’t need as much heating or cooling.
Look for Energy Leakage. The typical older home has enough energy leakage that it’s the equivalent of leaving your front door open all year long. You can combat this by installing weather stripping and caulking around doors and windows and adding insulation to your attic. Most utility companies offer an energy audit.
Weatherize your Home. Weatherizing your home is a great way to improve energy efficiency and save money on your energy bills. There are many things you can do this and varies on the area of the world you live in.
Sustainable Frugal Green Transportation
Ditch the Car Completely. One of the biggest expenses for many people is their car. Whether you’re paying for car payments, insurance, gas, or maintenance, it can be a lot of money. You can eliminate this expense by ditching the keys and taking public transportation. Not only will you save money on your monthly expenses, but you’ll also help the environment!
Buy Hybrid Cars. Hybrids cars are expensive but they could help you save money on fuel in the long run – hybrids tend to have lower emissions than conventional cars. So, it might be time to say bye to that beater car.
Drive Less and Play Your Route. Driving less is the biggest way to reduce fuel-guzzling trips. Take it a step further with UPS research on their strategic delivery methods and focus on making only right-hand turns.
Carpool Whenever Possible. carpooling is a much more green choice than driving alone.
Look Into Car Sharing. When you only need a car occasionally, or for short trips, it might be more convenient and affordable to use a car-sharing service. Car-sharing services offer the opportunity to have access to wheels when you need them, and they’re flexible and convenient for short trips.
Invest in Electric Scooter. This mode of transportation is the uber-popular. You don’t need cash for gas, money for registration fees, and completely reliable to get around quickly. Check out the best electric scooters on the market.
Ride a Bike. A commuter bike is much cheaper than a car. Plus you get the added benefits of exercise and no carbon waste. Or upgrade to an E-bike.
Telecommute. If you can do your work remotely, then telecommute more often than not. This will save on transportation costs as well as pollution.
Walk More Often. Plan your day around being able to walk places that take under 30 minutes to get there. Then, it is better to walk than drive. Plus you can hit your 10000 steps quicker. It is a triple for the win – health benefits, free exercise, and fresh air!
Don’t Run Your Engine Unnecessarily. Leaving your engine running unnecessarily while stationary can waste fuel and cause environmental damage. Make sure to turn your engine off when you’re not moving to save money and help the planet!
Drive More Efficient. When it comes to saving fuel, one of the best ways is to drive more slowly and efficiently. This will help you save petrol or diesel and reduce your carbon footprint. For example, slowly put your foot on the accelerate to maintain a speed.
Frugal Green Budgeting Per Month
Choose To Save Rather Than Spend. Every tie you actively choose to save your money rather than spend it. You help the environmental impact. We have plenty of popular money saving challenges to help you save more money today.
Pay Bills Online. When you pay bills online, you can save a lot of time, space, and money. You can also save paper by paying your bills online–instead of receiving paper statements in the mail, you can access them online.
Find Free Things to Do. This one is a win-win for frugality environmentalism. Focus on finding activities from this list of things to do with no money. Many of them are already frugal green wins.
Opt for Paperless. And finally, if you pay your bills online, you may automatically receive discounts on some of your monthly bills! Many companies now charge a $2-5 paper statement to be mailed.
Focus on Financial Independence. This may seem like a crazy idea, but it is true. The more you save, the faster you reach financial independence. In fact, this is with the Frugalwoods decided to be frugal in the first place.
Follow Simple Frugal Living Green Ideas – Way to Go Green
Reduce, reuse, recycle. This old mantra is more important than ever in today’s world. By recycling everything you can, you can help conserve resources and keep waste out of landfills.
Your Mindset is Everything. Just like with anything, if you decide to commit yourselves to become environmentally aware, then you are likely to succeed. You don’t have to become extremely frugal overnight. You just have to remember that mindset is everything in this process.
Turn off electronics when not in use. This includes televisions, computers, and other appliances. By turning them off, you’re conserving energy (and saving money). Plus some older appliances might be fire hazards if left plugged in.
Stop Junk Mail. One way to reduce the amount of junk mail you receive is to go through your postal mail and ask to be removed from lists you’re not interested in. This can be done by contacting the Direct Marketing Association (DMA) or specific companies that send you unsolicited mail.
Grab a Sweatershirt or Blanket when Cold. Instead of automatically adjusting the programmable thermostat higher, you can also save by wearing a sweater or using a blanket. Maybe turn on the fireplace before putting the heating on.
Invest in Renewable Energy. In today’s world, it is more important than ever to invest in renewable energy. There are many reasons for this:
First and foremost, using renewable energy helps to reduce our dependence on fossil fuels, which are finite and contribute to climate change.
Renewable energy also creates jobs and supports local businesses.
And finally, investing in renewables reduces our greenhouse gas emissions, helping to fight climate change.
In the long run, renewable energy can save you money and reduce emissions by providing power more reliably, often more cheaply than a traditional power source.
Are You Ready Live Life Frugal Green?
Living a more frugal lifestyle is good for the environment because it costs less.
It doesn’t take much to make small changes in your life that will have a big impact on the planet. For example, consume less and you’ll be doing the most earth-friendly thing you can do.
There are dozens of ways to save money and be more environmentally conscious which we covered in this post.
Being frugal and being green often go hand in hand.
However, most people lose steam after just a couple of weeks. So, do not attempt to do each frugal green living habit.
Pick your top 3 with the biggest impact.
Add one another 1-3 frugal living tips every month or so.
Over time, you will be surprised to see how easy it is to live frugal green, while also helping you to save money while also protecting the environment.
You can be the frugal green girl or gal with a few of these simple habits. Or choose to follow a frugal blog or frugal forum.
Know someone else that needs this, too? Then, please share!!
Elevated mortgage rates are continuing to give homeowners a reason to stay at their current homes, according to the 2023 Borrower Insights Survey conducted by ICE Mortgage Technology. But while the inventory-lacking market has caused issues for buyers, one bright spot is that about half of the current homeowners say they plan to sell their homes in the next two years, according to survey data.
Of those who plan to remain in their homes, about one-third (36%) specifically cite high interest rates as the reason for staying put.
The survey polled 2,010 individuals age 18 and older in the U.S. in January and February. Of the total surveyed, 1,005 owned their current residence and had taken out a mortgage loan within the last five years. The rest of the participants were currently renting.
Borrowers were asked about the factors and the elements of the experience that are most important to them during the loan process. Renters were asked about their perceptions of the home buying experience and their expectations about the requirements of homebuying. The survey was fielded using the Qualtrics Insight Platform and the panel was sourced from Lucid.
What are borrowers looking for?
Nearly two-thirds of recent borrowers (63%) say they plan to seek new financing in the form of home equity loans, reverse mortgages, refinancing, or investment property loans.
About 34% of current homeowners who have taken out a mortgage in the last five years plan on taking out a home equity loan in the next year and 29% say they have considered refinancing. About 24% have considered a reverse mortgage, and 31% have considered investment property loans – an indication that there is still some degree of confidence in rising home values.
Current homeowners who were recently involved in the mortgage process cited “more space” and” finding a good deal on a house” as the main reasons for buying a home, according to the survey.
But while recent borrowers cite more space and good deals as the reason for buying, fewer respondents say they are trying to transition from renting to buying – which may signal that this type of transition is difficult in the current environment.
That result is a departure from last year, when “not wanting to rent anymore” (38%) was cited more often than finding a good deal (36%) or needing more space (36%).
“The year-over-year change may indicate that it is more difficult in the current environment to transition from renting to home ownership,” the survey said.
Active home buying market coming?
Still, it seems likely that the home buying market will stay active or become more so in the relatively near future. Nearly half of current homeowners, as well as many younger homeowners, say they are planning to sell their home in the next two years.
About 46% of respondents plan to sell their home in two years or less, according to the survey results. The reasons cited most were to cash in on increased home equity/value (39%), to change scenery (38%), or to downsize or upsize (36%).
Of the renters who are motivated to buy, Generation Z leads the sentiment.
About 37% of Gen Z say they believe that owning a home is within their reach, compared to 27% overall. About 67% of Gen Z and Millennial renters say they are open to relocation as a path to homeownership, compared to just 448% of those Gen X and older.
Homeowner, renter concerns
Saving money is a top concern for homeowners and renters, according to the survey. About 67% of people surveyed reported that when financing a mortgage, saving money overall is their biggest concern, followed by low lender fees at 56%.
When choosing a lender, Baby Boomers want low interest rates. Younger generations are more focused on finding a variety of loan terms and product options, study results show.
In addition, the survey showed borrowers tend to have different kinds of outreach preferences based on their experiences.
Experienced borrowers – defined in the survey as those who have taken out five or more mortgages in their lifetime – say they favor digital offerings. Borrowers, especially those who are least experienced, say they rely on referrals from family, friends or realtors to choose lenders.
“In other words, relationships mattered to high-interest rate borrowers. These borrowers are therefore likely to consider more than one lending institution when going through the mortgage process,” the survey report states.
It’s the time of year to start talking about taxes. I used to do my own taxes, but it was always a frustrating experience. Eventually I learned that by paying somebody else to do them, I was actually saving money. Because my accountant actually knows what he’s doing, he gets all the deductions I’m entitled to.
This year, I’ve heard a lot of talk about the Alternative Minimum Tax (or AMT). Every time I begin reading about the AMT, my head swims. Fortunately, a couple of other people do understand the AMT and have written about it lately. First, Nickel sat down and answered the basic question: What is the Alternative Minimum Tax? He writes:
The AMT is a parallel tax system with rates ranging from 26%-28%. If your liability is higher under the AMT than under “standard” income taxes, then you have to pay the AMT. Given that standard tax rates top out at 35%, this doesn’t sound too bad. Unfortunately, the AMT also disallows many routine deductions, resulting in a potentially large tax liability.
Basically, if you have too many of certain deductions or exemptions, you may be subject to the AMT. The details are arcane, however. According to Fairmark’s list of the top ten things that cause AMT liability, even routine deductions can trigger the Alternative Minimum Tax. Yahoo! Finance has a guide to understanding the Alternative Minimum Tax, which explains you’re more likely to be subject to the AMT if any of the following are true:
Your gross income is greater than $100,000.
You have many personal exemptions.
You have “significant” itemized deductions, such as state taxes, and (sometimes) home-equity loan interest.
You had a large capital gain.
You own a business.
If you’d like more information about this topic — which I admit is dry, but could be very important to some people — BxCapricorn at The Fine Art of Money has an excellent detailed article called Alternative Minimum Tax — Why Care?. You can also read more about the AMT here:
To be honest, after reading all this information, I still have no idea whether I’m subject to the AMT. What are “significant” itemized deductions? How does owning a business trigger the AMT? I’ve decided not to worry about it. This is yet another reason I’m happy to pay an accountant to sort out my taxes.
Living frugally is all about a simple principle: Spending less than you earn. It may sound super easy, but putting that philosophy into practice can be a challenge.
You already know the advice about not signing up for every streaming platform under the sun and not having a fancy coffee every day. Fortunately, living a frugal life doesn’t have to feel like you must sacrifice your favorite things. By adopting some basic money-saving moves, you can stash cash without even thinking about it.
Being More Frugal in 5 Simple Steps
Here are five tips on how to be more frugal and save money — without giving up all the fun (and caffeine) in your life.
1. Reform Fixed Expenses
Regardless of what specific items might appear on a budget, they all come in two general varieties: fixed expenses vs. variable expenses.
Fixed expenses are, as the name suggests, those bills that are fixed and consistent each month, such as rent, insurance payments, and student loans. Variable expenses, on the other hand, are those whose amounts aren’t fixed… but that doesn’t mean all variable expenses are optional (or “discretionary”). For example, your electric bill probably varies from month to month, but you still know you’re going to have to pay it.
Let’s hone in on those fixed expenses first, though — because cutting down on regular, consistent costs can lead to regular, consistent savings. There are a variety of ways to do this, some more radical than others.
For example, moving to a less expensive neighborhood or splitting bills with a roommate might cut your rent in half; deciding to forgo a car can eliminate not only the car payment and insurance cost, but also variable expenses like parking, maintenance, and gas. These kinds of global lifestyle changes can take a lot of effort to set up at the start. However, the payoff is months or years of significant savings without too much ongoing effort.
💡 Quick Tip: Typically, checking accounts don’t earn interest. However, some accounts do, and online banks are more likely than brick-and-mortar banks to offer you the best rates.
However, there are plenty of ways to cut fixed expenses without making such seismic shifts to daily life. For instance, switching to a less expensive cell phone carrier can lower the monthly burden, as can ditching a gym membership in favor of hiking or cutting back on streaming service subscriptions. (Even those low per-month amounts can really add up when there are three or four of them!)
Recommended: Building a Line Item Budget
2. Gear Up Your Grocery Game
Groceries count as a variable expense, but they’re certainly not optional. That said, there’s an incredible margin for savings when it comes to stocking up on food each month.
So how to go about saving money on food and other grocery store items?
One easy way to start is to choose discount grocers and chains that are known for their low prices. Aldi, Trader Joe’s and WinCo, for example, all have well-founded reputations for their frugal choices, particularly when compared to upscale grocery chains like Whole Foods. Shopping at a cheaper store can take some of the footwork out of saving; you may be able to spend less on the exact same grocery list. But it’s also possible to take the project even further.
Coupon clipping might not be the most glamorous activity, but those deals can create substantial savings, particularly for practiced couponers. These days, apps like Ibotta and Checkout 51 make it easy to score savings on the items you’re already shopping for.
Additionally, aiming to make cheaper meals can stretch each grocery store dollar even further. Relying on inexpensive staples like rice, which can be dressed up and filled out in many different ways, can help keep both bellies and wallets full.
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3. Decide to Do It Yourself
Buying things is one thing. But maintaining them is a whole ‘nother can of worms — and it can be a downright expensive one. For instance, going in for an oil change vs. doing it yourself can be a pricey undertaking. And calling in a plumber when the sink or toilet is clogged can be expensive compared with going into DIY mode.
All of which is to say: honing some handiness skills could easily help save money over the course of a lifetime. And thanks to the fact that we live in the digital age, it’s relatively easy to become a Jack or Jill of all trades. YouTube is full of free video tutorials that can walk you through everything from fixing a dishwasher that won’t drain to rotating your own tires.
💡 Quick Tip: If you’re creating a budget, try the 50/30/20 budget rule. Allocate 50% of your after-tax income to the “needs” of life, like living expenses and debt. Spend 30% on wants, and then save the remaining 20% towards saving for your long-term goals.
Other high-cost services to consider DIYing: mani/pedis, facials, pet grooming, landscaping, moving, and more. Basically, anytime you could spend money on hiring a professional, think seriously about whether you actually need the help.
Recommended: Pros and Cons of Online and Mobile Banking
4. Enjoy Free Entertainment
While some events are worthy splurges — like a once-in-a-lifetime concert — it’s also important to consider all the free forms of entertainment at our fingertips. For example, your local library may offer streaming movies along with books and audiobooks (or try services connected to libraries, like Kanopy and Hoopla), and many museums offer cost-free admissions on specific days of the week or month.
Even the national parks offer free admission from time to time! Free national park entrance days vary slightly from year to year, but generally include the first day of National Park Week in mid-April and National Public Lands Day, which falls on the fourth Saturday in September, along with Veterans Day and the birthday of Martin Luther King, Jr.
5. Take Frugalism With You Wherever You Go
Speaking of national parks: Travel is another big ticket item as far as discretionary expenses are concerned. Seeing the world can be enriching — and it doesn’t have to strip away all your riches, either.
Finding ways to be a frugal traveler, such as choosing budget-friendly destinations and scoring the cheapest flights possible, can mean saving money without sacrificing this major life experience. You might even try a home swap or being a house-sitter in a foreign country to make your journey as affordable as possible.
💡 Quick Tip: When you feel the urge to buy something that isn’t in your budget, try the 30-day rule. Make a note of the item in your calendar for 30 days into the future. When the date rolls around, there’s a good chance the “gotta have it” feeling will have subsided.
What Does Frugal Mean for Your Money?
Adopting frugal habits and creating a savings plan can be ways to improve your financial health. Cutting back on day-to-day living expenses can mean more money set aside for retirement as well as major life milestones, like owning a home or having a baby.
One of the most important first steps toward frugality is getting organized, financially speaking. Having a budget and tracking your finances are valuable moves. How often to monitor your bank accounts is a personal decision, but a couple of times a week can help you see how your money is coming in and going out.
Living frugally can also mean more money goes towards realizing your long-term financial goals and building wealth. Whether that means saving for a child’s college education or for retirement, by cutting back on spending now, you can help assure a better future.
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You are here because you want to vent, so you searched “I hate my job.”
We all have that one job we hate. We might work at a place where the boss is mean, the workloads are too heavy, or maybe there’s been an issue with company culture for some time now and no amount of persuasion has worked to fix it.
If you’re reading this article right now, then you likely know exactly what I’m talking about; something just doesn’t feel as if it’s clicking anymore. The hours and days drag on trying to find your spark again and you’re just not getting anywhere.
You hate your job.
This is why it’s important to ask yourself if a career change might be the answer, or at least offer some insight into whether or not your job is worth keeping.
You hate answering the question, “what do you do for a living?”
While this may seem like an easy or daunting task, there are a few things that should help you figure out if the time has come for a change.
Are you at that moment that marked the end of any hope you may have to continue to work the job you have?
Is it normal to absolutely hate your job?
No, it’s not normal to absolutely hate your job.
Most people experience some level of dissatisfaction or unhappiness at some point in their careers.
What do you do when you hate your job but can’t quit?
You need to find a way to make this job work for you.
While it may be difficult to focus on anything other than how much you dislike your job, there are ways to make the job work for you and improve your situation.
Most importantly, you may need to adjust your expectations or find a way to deal with the negative aspects of the job.
If this is not possible or if it is not feasible, then it might be best to look for another job or transfer to a new boss.
How do you deal if you hate your job?
If you hate your job, it can be difficult to deal with. You may feel like you can’t escape or that your situation is hopeless.
However, there are things that you can do to cope and make the best of the situation:
You may find it helpful to talk to friends or family about what’s going on and see if they have any advice.
You can also try looking for other jobs or exploring options for transferring or quitting your job.
If all else fails, consider seeking professional help.
There are many ways to cope when you hate your job, and each person will react differently depending on their individual circumstances and personalities. However, most people find some way to get through tough times by proactively taking steps to find joy in their job.
How long should I stay in a job I hate?
Well, the answer depends on what your situation is and your personal options.
Staying in a job you hate pays the bills, but probably doesn’t help in the work-happiness balance.
You have probably run through all of the good excuses to miss work.
Below, you will find tips on how to cope, but more importantly, steps to change your situation for the better.
I Hate My Job – How You are Feeling in That Place
This is a difficult situation to be in.
You feel like you should love your career! You spent money on a college education, maybe this job is a transition for you, or possibly you took the job everyone expected from you.
Regardless of how you got here, you need to look for the right role and work environment for you going forward. Life stratification means something, right?
1. You’re Suffering from Workplace Burnout & It is a Problem
Workplace burnout is a condition in which an individual has reached the end of their rope. They’re no longer able to take the stress and demands of their job and are overwhelmed.
How You Feel: Workplace burnout can happen to anyone, but it’s particularly common among employees who are stressed out by demanding deadlines or unrealistic expectations from their boss. When you reach this point where you are no longer able to cope with the stress at work, you may experience symptoms such as mood swings, fatigue, and decreased productivity.
What to Do: If you feel like you’re struggling to keep up with your job and you’re starting to suffer from workplace burnout, there are some steps that you can take to get back on track. First, talk to your boss about what’s going on – explain that you feel overwhelmed by the demands of your position and ask for help adjusting your workload. If that doesn’t work, consider looking for another job – even if it means taking a pay cut in the short term.
Workplace burnout is a condition that can be debilitating, so don’t wait until it’s too late before trying anything else!
2. Your Work Is Overlooked and Undervalued
When people feel like their work is overlooked or undervalued, it can lead to a number of negative emotions. These emotions can include frustration, anger, and sadness. You want to hear “I appreciate you or get a letter.”
How You Feel: You feel like your work isn’t given the credit it deserves. This might be because the job is boring or mundane, or because you feel the work isn’t appreciated by others in the workplace. When this happens, it’s easy for these feelings to simmer down and fester.
What to Do: If you’re feeling frustrated at your job and don’t know what to do about it, consider talking to your boss. Discussing your concerns might help them see how important your work is and spark some ideas for how you could improve it. Additionally, contacting professional organizations that focus on career development can give you advice on where to go from here.
3. You’ve Been Stagnant for Some Time & Not Given Growth Opportunities
When you’ve been stagnant, you’re not moving forward or improving in any way – especially if you haven’t been offered a promotion. This could mean you’re stuck in a job you don’t like, haven’t taken any steps to improve your skills, or just aren’t making any real progress climbing the corporate ladder.
How You Feel: Stagnation can be frustrating and discouraging especially if you have been a loyal employee for a while. You are tired of being looked over for that promotion by a work colleague. You are wondering if you should dust off that resume and start drafting cover letters for a new job.
What to Do: There are many proactive things to do on your own when you feel stuck.
Take stock of where you are right now. Sit down and make a list of all the accomplishments and successes that are linked to your current job. What does this say about how satisfied you are with your position?
Evaluate what kind of skills you need to advance in your career. Do some research online or attend relevant training courses offered by your company or industry association.
Think about what kinds of changes would make the biggest impact on both you and your company/organization that employs you. Are there new technologies available that could help streamline operations? Could new policies be put into place that would benefit the organization as a whole?
Be proactive. Start reaching out to other professionals within your field and see if there’s anything you can learn from them. Networking is one of the best ways to grow your career, and it won’t take much effort on your part.
Be patient. Things may not change overnight, but over time they will improve. Don’t get discouraged; stay positive and continue working hard towards your goals.
4. Your Workplace Is Toxic or Hostile
A workplace is considered toxic or hostile when employees feel uncomfortable, unsupported, or threatened. This can lead to decreased productivity and morale, which in turn can result in negative impacts on the business.
In fact, the toxic culture is driving the Great Resignation we are seeing right now (source).
How You Feel: When you don’t feel like you can open up about your concerns, it creates an environment of mistrust, tension, and poor communication between all of the employees and your managers. This type of environment is difficult to overcome, and will eventually lead to burnout.
What to Do: The best way to avoid a toxic workplace is by creating a culture of transparency and trust. By airing out any problems early on, you give yourself the opportunity to work together harmoniously towards common goals instead of against each other.
5. Be Careful About What You Say and to Whom
Be careful what you say to whomever you talk to online and in-person, as your words could potentially be taken out of context and used against you.
How You Feel: It can be tempting to share your frustrations with your job with friends or family. But before you do, make sure that they’re comfortable talking about work too. If they’re not comfortable discussing their jobs openly, it may not be the best idea to bring up yours either. And if someone does overhear you speaking negatively about your job, don’t worry – they probably won’t repeat what you said!
What to Do: When you talk to people, be careful about what you say and to whom. It’s important not to offend anyone, especially not your boss. You never know who might be listening in on your conversation – or recording it!
6. Take a break
Sometimes it’s tough to keep going when you’re feeling down about your job. But sometimes it’s important to take a break and focus on other things in life.
How You Feel: You feel like you are grinding and going in a million different directions. As soon as you feel like you get ahead, something knocks you down and you feel like you need to start over.
What to Do: Taking a break can be helpful in many ways. It can help you clear your head, refocus on your goals and come back with a new perspective.
Sometimes all we need is some time away from our job to get back on track.
If taking time off isn’t an option or you don’t think it will help, there are other things you can do to improve your situation once you feel a little more refreshed. Thus, why adult coloring books have become so popular.
7. Miserable in the Work Building
You want to feel happier and more productive at work, but that may happen by taking steps at home and with your family.
How You Feel: When you’re feeling miserable at work, it’s harder to focus on your job and perform at your best. You are counting down the seconds until your shift is over.
What to Do: Taking steps to improve your well-being outside of work can help you feel happier and more productive. This includes things like exercising, eating a healthy diet, getting enough sleep, etc. By improving one aspect of your life, you’ll be better equipped to handle stress in the workplace and achieve success.
8. Your Projects are Underappreciated
Many people believe that their work is just a necessary evil, something that they have to do in order to get by. But the truth is, your work is incredibly important – it’s what allows us to live our lives. Without a job, we would be unable to pay our bills or afford food.
How You Feel: According to a recent study, almost three-fourths of employees feel their job isn’t very important and receives little recognition from their employers. This is difficult when you pour your heart and soul into an assigned project at work.
What to Do: If you’re unhappy with your current situation and don’t think your work is receiving the recognition it deserves, there are probably some things you can do about it. Start by talking to your boss about what you’d like to see change – maybe there’s room for improvement in how your department is managed or prioritized. And finally, make sure you’re giving your best effort every day – if you’re putting in the extra effort but still aren’t satisfied with your career path, it might be time for a change.
9. Your Talents are Wasted and the Effects are Feeling Undervalued
When you feel like your skills and talents are not being appreciated or utilized to their fullest potential, this can lead to feelings of depression, stress, and burnout. Oftentimes, these negative emotions are compounded when we don’t have a clear idea of what we want in life.
How You Feel: Chronic undervaluedness can have serious consequences on our mental health. It can lead to feelings of low self-esteem and insecurity, which in turn can lead to problems such as depression and anxiety. Furthermore, undervalued employees are less likely to pursue career opportunities that may be better suited for them. This leaves businesses struggling to find qualified candidates and increases the chances that they’ll need to recruit externally in the future.
What to Do: The good news is that it’s possible to overcome feeling undervalued by focusing on celebrating yourself. In fact, I recently finished this book and realized I contribute to putting myself down more than others around me. Start by taking awareness of negative thoughts and make a swift change to change them to the positive.
10. There Has Been an Uncomfortable Change in Leadership
This tends to lead to the most job-hopping because of an uncomfortable change in leadership, which can lead to a number of different emotions.
How You Feel: More likely, you feel one of the most common reactions of sadness, confusion, and anger. When a leader is replaced or leaves a position of power, it can be confusing for the people who work under them. This can lead to feelings of sadness and loss, as well as confusion about what’s going on. You may also become angry because they feel like your position is threatened.
What to Do: It’s important for leaders to communicate with their employees about the changes so that everyone understands what’s happening and feels comfortable using the new leadership structure. This will help reduce the amount of confusion and chaos at work, which will ultimately improve morale. If this doesn’t happen, then try to sit down with your new and old boss for a discussion.
11. Your Values No Longer Align
This can happen when new management comes into the work environment or a personal shift in life notification for you. When your values no longer align with those of the job, it can be difficult to stay motivated.
How You Feel: When you first accepted the job offer, everything felt right. You were excited about the challenge and the new opportunities that this new position would bring. However, after a few months, you start to notice some discrepancies between your values and what is required of you in your current role.
For example, you may not feel comfortable using profanity at work or participating in unethical behavior. In fact, you may even feel morally opposed to these behaviors.
What to Do: If your values are no longer aligned with those of the job, it can be hard to stay at the job because you no longer see any value in what you’re doing. This can lead to feelings of frustration and dissatisfaction.
Additionally, consider job-hopping and start scheduling interviews for another job that better aligns with who you are as a person and what matters most to you. When you find a job that you love and feel passionate about, it will be much easier to stay motivated and happy in your work environment.
12. Your Confidence Is Dwindling
It is deflating when work is off sync and nothing seems to be working out how your hopes. You know their adjustments to be made, but you aren’t sure where to start
How You Feel: When you’re feeling down about your job, it can be hard to believe that anything could make things better. But the truth is, there are plenty of ways to get through a tough time.
What to Do: Here are four ways to boost your confidence and start thinking positively again:
Talk to someone you trust. Talking out your problems with someone who will listen without judgment can help you feel more relieved and less stressed.
Take some time for yourself. Whether that means taking a walk outside or indulging in a favorite hobby, spending time alone can help relax your mind and body and clear your head.
Set goals for yourself and work towards them one step at a time. When you have something concrete to aim for, it becomes much easier to stay motivated during challenging times.
Believe in yourself! Even if the world seems like it’s against you right now, remember that everything will eventually work out as long as you keep fighting for what’s important to you.”
13. I Really Hate My Job & Think It Is Time for a Job Search
There are a few different ways to quit your job and make the switch to a new career. You can search for job openings online, contact your local employment agency, or speak with an advisor at a career center.
How You Feel: Quitting your job is not always easy, but it’s worth it if you’re unhappy with the situation. There are many benefits to quitting your job, including increased income (yes, a raise!) and more time for yourself.
What to Do: Searching online is the fastest way to find jobs that match your skills and interests, but be sure to read all of the applicable links before applying. If you’re looking for advice on how to quit your job without ruining relationships or getting fired, speak with an advisor at a career center. They can provide guidance on how best to proceed and minimize potential damage.
15. When you Hate Workplace – Don’t Burn Bridges
Burning bridges can have serious consequences, both for yourself and your career. By staying neutral in confrontations, you may be able to salvage your reputation and future relationships.
How You Feel: When disagreements arise at work, it’s important not to take the bait and lash out. Doing so could lead to long-term damage that could complicate your job situation and future career prospects.
What to Do: Instead, try to remain calm and diplomatic – this will show that you have good judgment and aren’t easily provoked. If you need to speak up, do it constructively and with the goal of resolving the issue rather than hurting someone’s feelings or damaging their relationship.
16. Your interests & skillsets have changed
If you’ve been working at your job for a while and it’s not fulfilling you anymore, it might be time to consider a change. Maybe you have been learning a new skill set that you find more interesting.
How You Feel: Your interests may have changed since you first started working, or you may have outgrown your current position. It’s important to remember that there are plenty of other opportunities out there – even if they don’t involve a nine-to-five schedule.
What to Do: When we’re unhappy with our work, it can be tough to discuss the situation with our boss or coworkers. But if we’re not happy, they’ll eventually notice and it’ll create an uncomfortable work environment. Change can be difficult at first, but it can lead to greater satisfaction in the long run.
17. Know It’s Not Just You
There’s a lot of talk about the recession and how it’s affecting everyone, but what about the people who are just trying to survive? This is a common struggle people are facing at work.
How You Feel: Work can be challenging, especially during tough economic times. Many people are feeling stressed out and depressed at their jobs, and there doesn’t seem to be an end in sight.
What to Do: However, there are ways to cope with the stress and difficulties of work. You need to learn strategies to balance the work-life situation. Talking to friends or a trusted professional will help you get back on track.
I hate my Career – Ways to Cope
Everyone hates their jobs sometimes.
This is especially true when you are stuck in a career that doesn’t serve your values and goals, or one with very high-stress levels. If this sounds like the case for you, then it is time to evaluate your next move.
However, many people are reluctant to make such changes because of the risk involved and uncertainty about what comes next.
It is important to be aware of what is driving your internal hatred about your job, your boss, or your situation.
1. Assess Your Situation & the Industry
If you’re feeling depressed or lost in your career, it’s important to take some time to assess where you are and where you want to be. This is a process of looking at your current situation and making a plan for how to get there.
Are you unhappy with your current job because it is not fulfilling, or are you just bored?
Perhaps the work environment is too stressful for you to handle?
Do you believe you should be making more money?
The first step in coping with a negative career outlook is taking the time to reflect on where you are right now. You can use this assessment to figure out what needs to change in order to improve your situation. Once you have a good idea of what needs improvement, it’s easier to make the changes that will get you closer to your goals.
Also, look at the overall industry trends to you see industry-wide trends affecting job quality and life satisfaction. More often than not, it might be others in your field feeling the same.
2. Have the Tough Conversations
Tough conversations can be difficult, but they’re essential if you want to improve yourself and your career. Every time you have a tough conversation with yourself or someone else in your work life, you’ll learn something new and make progress.
There are three types of tough conversations you need to have:
The “What If” Conversation – This is the conversation where you ask yourself what would happen if X happened. This helps you prepare for possible challenges and makes sure that everything is in order before taking action.
The “Doing Better” Conversation – This is the conversation where you commit to doing better next time, regardless of the results so far.
The “I’m Sorry” Conversation – This is the conversation where you apologize for how things turned out and vow to do better next time.
Tough conversations are not easy, but they are essential if you want to achieve your career goals. Be brave enough to have them and take advantage of all that they can offer!
3. Switch Your Perspective
If you’re feeling down about your career, take a step back and think about how you can see it from a different perspective.
When we’re upset or unhappy with something in our life, it’s easy to focus on the negative aspects. However, by switching our perspective, we can start to see the situation in a new light.
For example, if you hate your job but don’t want to change careers, try thinking about how you could see it as an opportunity for growth. Instead of focusing on what you don’t like about your job, consider all the ways you’ve learned and grown since starting work there.
We all have moments when things don’t go our way – by changing our perspective, we can start to feel better even when things are tough. In fact, this is why we stress mindset is everything.
4. Vent About It
When people feel frustrated or overwhelmed with their job, they may want to share their feelings with others. This behavior is often referred to as “venting.”
Venting can be helpful in relieving stress and tension. It can also help people process their thoughts and emotions, which can lead to positive changes in their lives.
Many people use social media to vent about their career frustrations. This is especially common among millennials, who are more likely than any other generation to use social media platforms for self-expression. One of the benefits of using social media for venting is that it allows you to connect with like-minded individuals who understand your situation. This network of support can be incredibly helpful in overcoming challenges in your career path.
5. Get Your Finances in Order
When you’re feeling down about your career, it can be tempting to think that you have no other choice but to continue to work at a job you hate. However, by getting your finances in order you can start to feel more optimistic about your future.
Especially for those in the, I don’t want to work anymore boat, this is the time to start saving money to invest for your future self.
Setting money aside will provide a cushion if you choose to leave your job unexpectedly or breathing room when changing jobs.
This is something we personally did when my husband wanted to change jobs due to being overlooked for promotion after promotion.
6. Do Your Best Work
Doing your best work means putting your all into whatever you’re doing. It means giving it your all, no matter what the task or situation. This may be hard, but it is essential!
When you do your best work, you put in the effort and energy that’s necessary to be successful.
You don’t half-ass things because you’re worried about how people will think of you. You go all out and give it 110%, no matter what. And that goes for everything in life – from your career to relationships to anything else that matters to you.
There are a lot of times when we don’t feel like doing our best work because we’re doubtful or scared. But if we keep pushing through those tough times, eventually we’ll reach a point where doing our best work becomes second nature. And then success will follow naturally as a result!
So don’t wait – start doing your best work today and see the amazing results for yourself!
7. Brainstorm Your Dream Job
Brainstorming your dream job is a great way to get inspired and motivated. It can also help you identify skills and interests that you may not have known you had.
When brainstorming your dream job, it’s important to be open-minded and think about any career possibilities that interest you. This could include fields that are completely new to you or areas of your current job that you don’t enjoy as much.
Once you’ve come up with a few ideas, it’s time to start thinking about what qualifications would be necessary for the job. Do some research into the specific requirements of the position and see if any of your skills or interests align with those requirements.
By brainstorming your dream job and taking these steps, you’ll be on your way to finding the perfect career fit and a happy you!
8. Start Making Connections & Build Relationships
Making connections is a key part of coping with a negative career situation. It can help you find comfort in the fact that you’re not alone and connect with people who have gone through similar experiences.
When things are tough, it’s often easy to feel like you’re all alone in your struggles. But by making connections with other people who are going through the same thing, you can start to feel less isolated and more supported. You’ll also be able to share your experiences and learn from others, which can help you overcome obstacles faster.
There are many ways to make connections online – through social media platforms, online communities like Reddit, or even just talking to friends or family members face-to-face. The important thing is to find an outlet that feels comfortable for you and allows you to express yourself freely.
Also, this avenue may lead to a new job opportunity for you.
9. Develop Other Sources of Income
Around here at Money Bliss, we stress the importance of having multiple streams of income.
While your 9-5 may pay your bills, you need to investigate other types of income to really improve your financial situation.
This can be done in a few ways:
Finding new (or returning) employment or 2nd job.
Starting a business.
Freelancing.
Make money with a gig economy job.
Each option has its own benefits and drawbacks, so it’s important to weigh them all carefully before making a decision.
When considering other forms of income, it’s important to keep in mind the following factors: how much time you have available, what you’re willing to sacrifice (including your free time), your skills and experience, and the marketability of your skill set.
I Hate my Boss – Resign With More Class
If you’re unhappy with your job, there’s no need to stay in a situation that is causing you distress. You can resign with class and maintain the respect of your coworkers and boss. Here are some tips on how to do it:
1. Address Your Issues Clearly
When you decide to leave, be clear about why you’re leaving and what your plans are for the future. It’ll help everyone involved understand the reasons behind your decision and avoid any misunderstandings or hurt feelings.
2. Be Polite When You Resign
Don’t make a scene or give anyone the impression that they were wronged in any way. Simply express your appreciation for all they’ve done for you over the past few months or years, thank them for their time, and let them know that you wish them all the best in future endeavors.
3. Most Importantly – Keep Your Work Adjustment Quiet
Your personal life doesn’t have to intersect with work-related decisions until after everything has been finalized – don’t announce your resignation at work or start bargaining terms before actually deciding if it’s what you want to do!
4. Make Sure You Have The Right Legal Documents At Hand
You’ll need documentation confirming your employment status, your dates of employment, and the terms of your separation. Make copies for yourself and store them in a safe place – you may need to refer to them during the negotiating process.
5. Give Yourself Time To Adjust to a Happier Well-Being
Don’t expect everything to fall into place overnight; give yourself plenty of time (perhaps several weeks or even months) to adjust before getting back into the workforce. During this time, it can be helpful to take some time away from work altogether, focus on relaxation techniques like yoga or meditation, or read about career options that interest you.
Which Step Are You Going to Focus on When you Hate Working?
In this article, we discussed some common struggles that people face at work and offer some advice on how to cope. We hope that by sharing our knowledge and experience, you’ll find relief or guidance in dealing with your own job problems.
There are many reasons for workplace unhappiness and changing careers may or may not be the solution to your issues.
When looking for another position, keep in mind that employers are always searching for talented individuals who will fit into their team and contribute positively.
Finally, don’t forget… Talking about your struggles openly can help ease them and give you some ideas for solutions.
Just keep moving forward and don’t give up on your dreams!
Do Your Job With Less Stress Job Ideas:
Maybe it is time for a shift change and moves to one of these careers.
Know someone else that needs this, too? Then, please share!!
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
46k salary is a solid hourly wage when you think about it.
When you get your first job and you are making just above minimum wage making over $46000 a year seems like it would provide amazing opportunities for you. Right?
The median household income is $67,521 in 2020 which decreased by 2.9% from the previous year (source). Think of it as a bell curve with $68K at the top; the median means half of the population makes less than that and half makes more money.
The average income in the U.S. is $48,672 for a 40-hour workweek; that is an increase of 4% from the previous year (source). That means if you take everyone’s income and divided the money evenly between all of the people.
But, the question remains can you truly live off 46,000 per year in today’s society since it is below both the average and median household incomes? The question you want to ask all of your friends is $46000 per year a good salary.
In this post, we are going to dive into everything that you need to know about a $46000 salary including hourly pay and a sample budget on how to spend and save your money.
These key facts will help you with money management and learn how much per hour $46k is as well as what you make per month, weekly, and biweekly.
Just like with any paycheck, it seems like money quickly goes out of your account to cover all of your bills and expenses, and you are left with a very small amount remaining. You may be disappointed that you were not able to reach your financial goals and you are left wondering…
Can I make a living on this salary?
$46000 a year is How Much an Hour?
When jumping from an hourly job to a salary for the first time, it is helpful to know how much is 46k a year hourly. That way you can decide whether or not the job is worthwhile for you.
$46000 a year is $22.12 per hour
Breakdown Of How Much Is 46k A Year Hourly
Let’s break down how that 46000 salary to hourly number is calculated.
For our calculations to figure out how much is 46K salary hourly, we used the average five working days of 40 hours a week.
Typically, the average workweek is 40 hours and you can work 52 weeks a year. Take 40 hours times 52 weeks and that equals 2,080 working hours. Then, divide the yearly salary of $46000 by 2,080 working hours and the result is $22.12 per hour.
46000 salary / 2080 hours = $22.12 per hour
Just above $22 an hour.
Key Points….
That number is the gross hourly income before taxes, insurance, 401K, or anything else is taken out. Net income is how much you deposit into your bank account.
You must check with your employer on how they plan to pay you. For those on salary, typically companies pay on a monthly, semi-monthly, biweekly, or weekly basis.
Just an interesting note… if you were to increase your annual salary by $5K to $51000 a year, it would increase your hourly wage to almost $25 an hour – a difference of $2.40 per hour.
To break it down – 51000 salary / 2080 hours = $24.52 per hour
That difference will help you fund your savings account; just remember every dollar adds up.
How Much is $46K salary Per Month?
On average, the monthly amount would be $3,833.
Annual Salary of $46000 ÷ 12 months = $3833 per month
This is how much you make a month if you get paid 46000 a year.
$46k a year is how much a week?
This is a great number to know! How much do I make each week? When I roll out of bed and do my job of $46k salary a year, how much can I expect to make at the end of the week for my effort?
Once again, the assumption is 40 hours worked.
Annual Salary of$46000/52 weeks = $884 per week.
$46000 a year is how much biweekly?
For this calculation, take the average weekly pay of $884 and double it.
This depends on how many hours you work in a day. For this example, we are going to use an eight-hour workday.
8 hours x 52 weeks = 260 working days
Annual Salary of$46000 / 260 working days = $177 per day
If you work a 10 hour day on 208 days throughout the year, you make $221 per day.
$46000 Salary is…
$46000 – Full Time
Total Income
Yearly Salary (52 weeks)
$46,000
Monthly Wage
$3833
Weekly Pay (40 Hours)
$884
Bi-Weekly Pay (80 Hours)
$1769
Daily Wage (8 Hours)
$177
Daily Wage (10 Hours)
$221
Hourly Wage
$22.12
Net Estimated Monthly Income
$2,926
Net Estimated Hourly Income
$16.89
**These are assumptions based on simple scenarios.
46k a year is how much an hour after taxes
Income taxes is one of the biggest culprits of reducing your take-home pay as well as FICA and Social Security. This is a true fact across the board with an all-salary range up to $142,800.
When you make below the average household income, the amount of taxes taken out hurts your hourly wage.
Every single tax situation is different.
On the basic level, let’s assume a 12% federal tax rate and a 4% state rate. Plus a percentage is taken out for Social Security and Medicare (FICA) of 7.65%.
So, how much an hour is 46000 a year after taxes?
Gross Annual Salary: $46,000
Federal Taxes of 12%: $5,520
State Taxes of 4%: $1,840
Social Security and Medicare of 7.65%: $3,519
$46k Per Year After Taxes is $35,121
This would be your net annual salary after taxes.
To turn that back into an hourly wage, the assumption is working 2,080 hours.
$35121 ÷ 2,080 hours = $16.89 per hour
After estimated taxes and FICA, you are netting $35,121 per year, which is $10,879 per year less than what you expect.
***This is a very high-level example and can vary greatly depending on your personal situation and potential deductions. Therefore, here is a great tool to help you figure out how much your net paycheck would be.***
In addition, if you live in a heavily taxed state like California or New York, then you have to pay way more money than somebody that lives in a no tax state like Texas or Florida. This is the debate of HCOL vs LCOL.
Thus, your yearly gross $46000 income can range from $31441 to $36961 depending on your state income taxes.
That is why it is important to realize the impact income taxes can have on your take home pay. It is one of those things that you should acknowledge and obviously you need to pay taxes. But, it can also put a huge dent in your ability to live the lifestyle you want on a $46,000 income.
46k salary lifestyle
Every person reading this post has a different upbringing and a different belief system about money. Therefore, what would be a lavish lifestyle to one person, maybe a frugal lifestyle to another person. And there’s no wrong or right, it is what works best for you.
One of the biggest factors to consider is your cost of living.
In another post, we detailed the differences between living in an HCOL vs LCOL vs MCOL area. When you live in big cities, trying to maintain your lifestyle of $46,000 a year is going to be much more difficult because your basic expenses, housing, transportation, food, and clothing are going to be much more expensive than you would find in a lower cost area.
To stretch your dollar further in the high cost of living area, you would have to probably live cheap and prioritize where you want to spend money and where you do not. Whereas, if you live in a low-cost of living area, you can live a much more lavish lifestyle because the cost of living is less. Thus, you have more fun spending left in your account each month.
As we noted earlier in the post, $46,000 a year is below the average income that you would find in the United States. Thus, you have to be wise in how you spend your money.
What a $46,000 lifestyle will buy you:
If you are debt free and utilize smart money management skills, then you are able to enjoy the lifestyle you want.
Have some fun money in your budget.
Know being frugal green is helpful to stretch your budget.
You are able to rent in a decent neighborhood in LCOL and maybe a MCOL city.
You should be able to meet your expenses each and every month.
Participate in the 200 envelope challenge.
Ability to make sure that saving money is a priority, and very possibly save $3000 in 52 weeks.
When A $46,000 Salary Will Hold you Back:
However, if you are riddled with debt or unable to break the paycheck to paycheck cycle, then living off of 46k a year is going to be pretty darn difficult.
There are two factors that will keep holding you back:
You must pay off debt and cut all fun spending and extra expenses.
Break the paycheck-to-paycheck cycle.
It is possible to get ahead with money!
It just comes with proper money management skills and a desire to have less stress around money. That is a winning combination regardless of your income level.
$46k Salary to Hourly
We calculated how much $46,000 a year is how much an hour with 40 hours a week. But, more than likely, you work more or fewer hours per week.
So, here is a handy calculator to figure out your exact hourly salary wage.
$46K a year Budget – Example
As always, here at Money Bliss, we focus on covering our basic expenses plus saving and giving first, and then our goal is to eliminate debt. The rest of the money leftover is left for fun spending.
If you want to know how to manage a 46k salary the best, then this is a prime example for you to compare your spending.
You can compare your budget to the ideal household budget percentages.
recommended budget percentages based on $46000 a year salary:
Category
Ideal Percentages
Sample Monthly Budget
Giving
10%
$268
Savings
15-25%
$690
Housing
20-30%
$1052
Utilities
4-7%
$134
Groceries
5-12%
$288
Clothing
1-4%
$23
Transportation
4-10%
$153
Medical
5-12%
$192
Life Insurance
1%
$10
Education
1-4%
$10
Personal
2-7%
$31
Recreation / Entertainment
3-8%
$77
Debts
0% – Goal
$0
Government Tax (including Income Tatumx, Social Security & Medicare)
15-25%
$907
Total Gross Monthly Income
$3833
**In this budget, prioritization was given to basic expenses and no debt.
Is $46000 a year a Good Salary?
As we stated earlier if you are able to make $46,000 a year, that is a decent salary. You are making more money than the minimum wage and close to double in many cities.
While 46000 is a good salary starting out in your working years. It is a salary that you want to increase before your expenses go up or the people you provide for increase.
However, too many times people get stuck in the lifestyle trap of trying to keep up with the Joneses, and their lifestyle desires get out of hand compared to their salary. It is okay to be driving around a beater car while you work on increasing your salary.
This $46k salary would be considered a lower middle class salary. This salary is something that you can live on if you are wise with money.
Check: Are you in the middle class?
In fact, this income level in the United States has enough buying power to put you in the top 95 percentile globally for per-person income (source).
The question you need to ask yourself with your 46k salary is:
Am I maxed at the top of my career?
Is there more income potential?
What obstacles do I face if I want to try to increase my income?
In the future years and with possible inflation, in many modest cities 46k a year will not be a good salary because the cost of living is so high, whereas these are some of the cities where you can make a comfortable living at 46000 per year.
If you are looking for a career change, you want to find jobs paying at least $52000 a year.
Is 46k a good salary for a Single Person?
Simply put, yes.
You can stretch your salary much further because you are only worried about your own expenses. A single person will spend much less than if you need to provide for someone else.
Learn exactly what is a good salary for a single person today.
Your living expenses and ideal budget are much less. Thus, you can live extremely comfortably at $46000 per year.
And… most of us probably regret how much money wasted when we were single. Oh well, lesson learned.
Is 46k a good salary for a family?
Many of the same principles apply above on whether $46000 is a good salary. The main difference with a family, you have more people to provide for than when you are single or have just one other person in your household.
The costs of raising children are high and will steeply cut into your income. As you can tell this is a huge dent in your income, specifically $12,980 annually per child.
That means that amount of money is coming out of the income that you earned.
So, the question really remains can you provide a good life for your family making $46000 a year? This is the hardest part because each family has different choices, priorities, and values.
More or less, it comes down to two things:
The location where you live in.
Your lifestyle choices.
You can live comfortably as a family on this salary, but you will not be able to afford everything.
Many times when raising a family, it is helpful to have a dual-income household. That way you are able to provide the necessary expenses if both parties were making 46000 per year, then the combined income for the household would be $92,000. Thus making your combined salary a very good income.
Learn how much money a family of 4 needs in each state.
Can you Live on $46000 Per Year?
As we outlined earlier in the post, $46000 a year:
$22.12 Per Hour
$177-221 Per Day (depending on length of day worked)
$884 Per Week
$1769 Per Biweekly
$3833 Per Month
Next up is making $50000 a year.
Like anything else in life, you get to decide how to spend, save and give your money.
That is the difference for each person on whether or not you can live a middle-class lifestyle depends on many potential factors. If you live in California or New Jersey you are gonna have a tougher time than in Oklahoma or even Texas.
In addition, if you are early in your career, starting out around 38,000 a year, that is a great place to be getting your career. However, if you have been in your career for over 20 years and still making $46k, then you probably need to look at asking for pay increases, picking up a second job, or finding a different career path.
Regardless of the wage that you make, if you are not able to live the lifestyle that you want, then you have to find ways to make it work for you. Everybody has choices to make.
But one of the things that can help you the most is to create a biweekly budget to make sure you stay on track.
Learn exactly how much do I make per year…
One of the best ways to improve your personal finance situation is to increase your income. Here are a variety of side hustles that are very lucrative. With time and effort, you can start enjoying the lifestyle you want.
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