personalfinance
Today, everything seems to come with a hefty price tag — thanks to inflation. The result? Financially, it can be hard to create a comfortable and stylish home. However, what if you could make your dream home a reality without going broke? Thanks to frugal homemaking, it’s possible. The art of creating a happy and functional household while being mindful of spending. The concept of frugal homemaking does not mean deprivation. It’s about using your resourcefulness and creativity while being mindful of spending to create a happy and functional household. In other words, it’s about maximizing your...
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If you’re like most people, your goal is to retire with more than enough money to meet your needs for a financially-comfortable retirement. To accomplish this, you’ll need to build up your retirement funds as much as possible. With a solid retirement plan and the following strategies, you can retire in comfort. How to Make Yourself Financially Comfortable in Retirement1. Start saving as early as possibleIt would be ideal for you to start saving money for retirement while you’re still in high school, but that doesn’t always work out. Regardless of your current circumstances or age, start saving...
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With National Black Business Month coming up this August, how are you poised to support black entrepreneurs? When it comes to shopping with a purpose, you should rather be mindful of your shopping habits! Remember, black businesses contribute more than $165 billion in terms of revenue to the US. Besides, these businesses go a long way in creating jobs, with more than 1 million jobs. So, this coming August, you have an excellent opportunity to acknowledge the contribution of black businesses and support these entrepreneurs. A strategic approach while shopping from your end can contribute to the...
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Want to boost your savings and make every paycheck count? As a budget-saver, I’ve spent years uncovering the most effective strategies to help you grow wealth. In this article, you’ll read the top 8 money moves to make as soon as your paycheck hits your bank account. These proven tips will help you save more, invest wisely, and build a rock-solid financial foundation for long-term success. Much of our information is based on the SEC’s saving and investing guide. Find your financial baselineThe first step is to find your financial baseline by recording all your monthly expenses in a spreadsheet...
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We all have dreams, like that vacation to Iceland, a down payment on a house, starting a bakery business, or finally stopping living paycheck to paycheck. Those dreams, however, can feel distant amid the daily grind and responsibilities. This is where side hustles come into play: a way to make extra money without making complete sacrifices. The problem? Side hustles tend to require a substantial time commitment. However, what if you could add a little financial cushion without sacrificing too much of your precious time? Well, you’re in luck. Plenty of side hustles don’t take up a lot of time. ...
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Traditional investing is often a limited and narrow form of wealth generation. Things like publicly traded stocks and bonds have nuance, but they only go so far for an investor looking to truly diversify their portfolio. They also don’t offer the same high-risk, high-reward that most investors want to integrate into a more extensive distribution of assets. If you already have a solid investment structure and are looking for ways to expand and improve your upside, you want to consider private credit. This unique form of investing is similar to but not quite the same as private equity. Investing...
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People dream of the day they’ll retire. They work hard for decades to reach the time they can hang up their work keys and finally pursue their outside interests. Some people have plans to travel, while others want the freedom to putt around as they see fit. They may want to spend more time with family, move closer to grandkids, or finally finish their memoir. However, retiring too early can potentially have negative financial consequences you have to endure for years to come if you’re not thoroughly prepared. How can you know when is the right time to exit your company and when you should work...
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Raising children is a rewarding experience — the best in fact — but it also involves significant financial responsibilities. The cost of raising a child is a critical factor that parents need to consider when planning their family. This article provides an in-depth analysis of the financial implications of raising three children until they’re 18 years old. Understanding the average cost of raising a childThe average cost of raising a child per year is approximately $26,000. This figure is an average, meaning it can vary significantly depending on various factors such as location, income, and p...
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As we all know, romance isn’t always about fancy dinners and expensive excursions. Nevertheless, the typical American spent $3,025.12 on dating in 2023, according to OnePoll in collaboration with LELO’s survey of 2,000 Americans. Additionally, the survey found that participants had been on eight dates over the past six months that cost $189 a pop. The best dates, however, tend to involve creativity, shared experiences, and focusing on your partner. It doesn’t matter whether it’s your first date or your tenth anniversary, keeping dates budget-friendly allows you to discover new things and avoid...
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Are there times when you have dreamed of achieving a specific goal but have felt unsure how to accomplish it? Maybe you aspire to have a fulfilling career, to be in a loving relationship, or to have financial security. Thankfully, these aspirations aren’t just wishful thinking. The universe has a powerful secret that can help you manifest anything you desire. Manifesting is not a magic trick, however. It is the combination of intention, belief, and action. The key is aligning yourself with your goals and harnessing the power of the universe to achieve them. This is how the law of attraction wo...
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