What Are Your Rights When Your Salary Is Delayed?

One of the perks of having an employer is that you get a steady paycheck. You show up and do the job every day. In exchange, you get a paycheck every week, every other week, or every month. But sometimes things go awry and your employer can't pay you. What are your rights when your salary is delayed? The State You Work In Makes a Difference We will go over some general guidelines about what your rights are when your salary is delayed. However, before we do, it's important to understand that these Read more [...]

How To Earn Extra Bucks by Creating Slogans

We are turning into a side-hustle nation. Everyone I know and those I meet have a hustle. Mine, as you know, is writing. Some people in my circle do taxes, clean businesses, and homes, and even create websites for others. If you're looking for a side hustle, there are a million out there. One that I just learned about was slogans. Find out how to earn extra bucks by creating slogans today. https://www.youtube.com/watch?v=29G6s2o2ils Fiverr If you are just looking to get started in creating Read more [...]

Simplify: 7 Areas to Reduce Spending

Recently I mentioned that I was reading 7 Days of Simplicity by Jen Hatmaker. In this book, the author explores seven different areas of life to simplify. Simplifying in each of these areas can also reduce spending. Here's a closer look at how I can apply this to my own life: 1. Reduce Spending in the Kitchen It's appropriate that the book starts off with kitchen spending. After all, I spend a lot of money on food. If I can reduce spending in my kitchen, then I'll save myself a lot of money. Read more [...]

How To Settle Debt With Credit Card Lender

Do you have too much credit card debt? If so, you're not alone. The average American household has well over $5000 of credit card debt. The exact numbers vary by study but $8000 isn't uncommon. Of course, that's cold comfort if you're stuck trying to make payments that you can't afford. Don't worry; you have options. Have you ever tried to settle debt with a credit card lender? It's possible. Here's how. Call Your Credit Lender It all starts with a call to your credit card lender. Note that the Read more [...]

Should I Go Back to Using a Checkbook?

A book that I'm reading makes a pretty solid argument for a return to the days of using checkbooks. I haven't written checks in well over a decade. Would it make any sense to go back to using a checkbook? The Inspiration for The Idea I've been reading "7 Days of Simplicity: A Season of Living Lightly" by Jen Hatmaker. It's a book about simplifying your life in a variety of ways. In the chapter on simplifying your spending, Hatmaker makes a good point. She notes that back when you had to write Read more [...]

How The New Stimulus Could Benefit You

2020 was a crazy year. 2021 hasn't been so much fun either. With COVID-19 vaccines being jabbed into arms, we are regaining some normalcy, but families and businesses are still in distress. We have seen a few stimulus packages aimed at helping families, small and big businesses, and students alike. Today we are getting one more to help boost the economy and help uplift those in need. If you're in need, and even if you are not, find out how the new stimulus could benefit you. https://www.youtube.com/watch?v=VcW58NZWbgE How Read more [...]

6 Financial Tools to Help Your Small Business

Staying on track of the financial aspects of owning a business is a relentless task, and if it hasn’t been a priority for you, it should definitely be a goal for the new year.  Thankfully, modern technology has allowed this process to become much easier via complex tools that handle everything, from invoices to simple accounting and beyond. The plethora of tools available for small business owners makes it possible for technology to take care of practically everything.  Here are six Read more [...]

5 Money Mistakes I Made This Month

I think it's important to be honest with ourselves when it comes to our money. Moreover, it's important to take stock of our personal finances regularly. Doing so allows us to nip problems in the bud. We become accountable to ourselves, which helps us financially. Therefore, here are five money mistakes I want to own up to from the past month: 1. I Forgot to Review My Subscribe and Save I've signed up to receive a variety of items through Amazon's Subscribe and Save program. Overall, this benefits Read more [...]

Social Security Eligibility and Earnings

Today, I was scrolling through Facebook. I saw a post that stood out to me. Someone from a financial group I am in posted about social security benefits. He alerted everyone in the group to check out their credits today. He said checking them could provide useful to anyone wanting to retire early and still have access to benefits later in life. I got curious and went to pull up my Social Security eligibility and earnings. https://www.youtube.com/watch?v=7_1v3fJ44Pg Social Security Site and Read more [...]

Money in the Year of the Ox

Today is Chinese New Year, also called Lunar New Year. This year is the Year of the Ox. More specifically, it's the Year of the Metal Ox. It's always interesting to take a look at astrology to get some insight into personal finance. Whether or not it's "true" isn't really the point. Instead, you can glean helpful tips and ideas from this type of information. So, what can we learn about money in the year of the ox? What Is The Year of The Metal Ox? Every year in the Chinese calendar is represented Read more [...]