It might seem a little early to be thinking about the holidays, but once the first of December rolls around and you're scrambling to decorate, think of unique gift ideas, and round up the money to pay for those many, many holiday expenses, you'll be muttering, "I wish I would have started all of this months ago."
The average American who takes out student loans will have accumulated just over $24,000 in debt by the time they graduate. However, that is not the amount they will be paying back to the financial institution that they borrowed it from over those 5-25 years of repayment. The real cost of a student loan can be complex and difficult to grasp, but I am here to try and break that down for you today.
Thirty-eight million households in the United States today live paycheck to paycheck. Sure, many of these households own their own home or contribute to their retirement savings, but after bills are paid and the necessities are purchased, they have no extra cash on hand.
With age comes wisdom, but when it comes to finances, it's best to have as big of a heads up as we can! Whether you're just starting out own your own and fearful of, or struggling with, the financial stress that independence brings, or you're long past that point and still not quite comfortable with your money matters, it's never too early - or late - to take control of your finances!
Thrifting has never been more popular. First, it's now "cool" to be "uncool" - or dress in and decorate with vintage, one-of-a-kind and a-little-worn-in finds. Second, it's usually way cheaper than spending full price at mass retailers.
Staycations are gaining in popularity and for good reason. You can avoid fuel, airfare, and hotel costs, have an opportunity to really explore and learn about the place in which you live,finally finish some of those projects you've been meaning to work on, and still have the power to cut ties with work for the week in order to feel completely refreshed when you head back.
It's so easy to overspend on beauty and hygiene products. It seems like there's a lotion and potion for just about every possible part of your body and then some. Plus, just when we think we've got the hottest product, the wonderful world of advertising throws a 'new and improved,' even pricier one at us.