A Masters Level Class in Savings
Generally, clearance sales for spring and summer merchandise occur in June and July, whereas sales for fall and winter merchandise fall between September and December January As soon as possible after the holiday season. Finding the best deals when shopping is a wonderful feeling. So here’s a primer on when to buy a variety of … Read more
We are programmed at a young age to buy, buy, buy. Advertisements advertising everything from tasty cereals, electronic gadgets to super hero action figures beg us to spend, spend, spend to be happy. Along the same lines we are convinced that this is fine to want more and more stuff. And, the subliminal message is … Read more
More than 1.7 billion people around the world are unbanked and can’t access the financial services they need. Kiva is an international nonprofit, founded in 2005 in San Francisco, with a mission to expand financial access to help underserved communities thrive. Kiva provides entrepreneurs with 0% interest loans of up to $15,000. To qualify for … Read more
We get it, the more you work, the more you want to show off just what your wealth buys. Often people will use their hard earned money to buy a house that is way too big and find themselves just living mainly in one or two rooms. You find yourself walking around a house that … Read more
The basic rule is to divide up after-tax income and allocate it to spend: 50% on needs, 30% on wants, and socking away 20% to savings. It’s a simple plan designed to help people reach their financial goals. The rule states that you should spend up to 50% of your after-tax income on needs and … Read more
A handy acronym known as the SMART formula will help clarify your goals. The acronym of the SMART formula stands for Specific, Measurable, Achievable, Realistic and Timely. Being specific helps to keep your goals defined, clear, and unambiguous. Measurable means to put in place some sort of criteria to measure your progress towards the accomplishment of the goal. … Read more
First, in order to help save money, plan your meals for the week before you shop and then buy what’s on the menu. Otherwise you end up eating out, or, eating the best stuff first and the rest just sits around till it gets rotten or expires, While your planning your meals, try do so that you … Read more
A lot of people and families have two or more cars. However, when you add up things like insurance, normal wear and tear, depreciation with aging, auto repairs, replacing tires and more, it’s just not worth it. Often your car is the most expensive possession you’ll have besides your home. Do you really want to … Read more