9 Simple Steps: How to Stop Living Paycheck to Paycheck for Good

Well, that was fast! I just got my check and it’s all going to bills! Sound familiar? If so, you’re might be living paycheck to paycheck. If you’re struggling to make ends meet with your income, you’re not alone.  In fact, 74% of Americans are living paycheck to paycheck according to a survey from the […]

The post 9 Simple Steps: How to Stop Living Paycheck to Paycheck for Good appeared first on Incomist.

By the numbers: My spending for March 2019

March was a mixed month in my financial world. I ended March with a slightly higher net worth (up 0.6%) but my spending was the highest it’s been this year: $5989.10. Yet, that spending was mostly mindful. I wasn’t frittering away money on silly things.

If I wasn’t buying dumb stuff, then where did my money go? A few worthwhile places:

  • I spent $653.31 on the yard and garden. Specifically, Kim and I tore out a big cedar tree in the corner of the yard, then converted that space to a small orchard. I use the word “orchard” loosely here. We planted three fruit trees, four blueberries, four grape vines, and a bunch of strawberries. I hope to write about this more in the near future.
  • I spent $625.72 on health and fitness. In the middle of the month, I had quite a scare. Out of nowhere, I had chest pains, so I visited the local hospital ER. My co-pays and prescriptions are reflected in March’s spending — and there’s more to come. (We’re about to have a l-o-n-g article on the $6800 hospital bill I received in the mail yesterday. That’ll happen in April or May.) Meanwhile, Kim had knee surgery at the end of the month. I paid for some of her stuff out of my pocket.
  • I spent $579.36 on gifts in March, which is very very unusual.
  • I paid the $450 annual fee on my Chase Sapphire Reserve credit card. (Yes, I know this seems like a lot. But remember the card comes with a $300 travel credit, which means my effective annual fee is $150. I believe I receive $150 in value from the card’s other benefits.)

I don’t consider any of that spending frivolous although I recognize that some of it isn’t necessary. (Do we need an orchard? Do I need to give gifts?)

How to Get the Most Bang For Your Buck When Buying a Car

How to Get the Most Bang For Your Buck When Buying a Car is a post originally published on: Everything Finance – Everything Finance – Its all about Money!

Need a new car? Car shopping can provide the perfect mix of excitement and stress. On one end, you’re getting a new car. On the other, you probably know it’s going to cost you a pretty penny.  With the average cost of a new car being $37,000 and $15,000 to $20,000 for a used car, there is plenty of opportunities to save money on this large expense. In this guide, you’ll learn some basic car shopping tips along with how to save money and get more bang for your buck.  Determine How Much You Can Afford It’s best to determine

How to Get the Most Bang For Your Buck When Buying a Car is a post originally published on: Everything Finance – Everything Finance – Its all about Money!

Zero-Based Budgeting: The Ultimate Guide

When you create a budget that works for you, you gain a sense of peace and freedom that comes with taking ownership of your finances. Although there are many approaches to budgeting, certain systems prove to be more effective than…

Full Story

The post Zero-Based Budgeting: The Ultimate Guide appeared first on MintLife Blog.

How Can You Support Small Business During the 2020 Holidays?

Small businesses are a huge part of the American economy. They make up 99% of all businesses in the nation. But even in good times, small businesses have around a 50% long-term survival rate, making economic uncertainty and a global pandemic extremely worrisome for many small-business owners. Find out how you can support small businesses… Read More

The post How Can You Support Small Business During the 2020 Holidays? appeared first on Credit.com.