Do you know your credit score? If you do know your score, do you understand it? Think of your credit score like your financial report card. Every time you apply for a loan, a credit card, or even cable TV, they will check your score to determine your credit-worthiness. If you have a bad score (below 620) it can have a negative impact on your ability to qualify for lower interest rates and you could even be denied lines of credit.
» Read more about: How To Improve Your Credit Score ASAP! »
Hey guys! I’m going to start doing some more money-making post on the blog. Having a little side hustle or extra cash is never a bad thing! As I try out and find new ways to make money on the side, I will share with all my readers!
That being said, let me tell you about my new favorite FREE money making app! It’s called Ibotta and this thing is a gem.
» Read more about: Make Extra Money Today Effortlessly »
Negotiating your initial salary can be scary, but it can have big payoffs. Because many raises are often percentage based, starting with a higher salary will give you an advantage for the rest of your career. You only get one shot at the initial salary so dont be scared to advocate for yourself!
When many people get a job offer, they are so thrilled to even have the job, that they neglect to put thought and effort into the compensation.
» Read more about: 5 Steps To Negotiating Your Salary »
These two simple words can cause all your hard work and great financial decisions to crumble: impulse buy. We’ve all done it before but these small (or large) purchases can wreak havoc on your budget. Here are some tips to help resist the urge to buy!
Compare the cost of the item to your hourly rate at work. Keep in mind that your true hourly rate will be at least 25% lower than your listed hourly rate after taxes and work related expenses. » Read more about: 10 Tips to Stop Impulsive Buying »
Have you ever heard yourself asking the question, “Where is all my money going?” It can be frustrating seeing your bank account balance at the end of the month and it’s not quite what you expected. Are you doing any of these self-sabotaging things?
Not tracking your money.You cannot make changes without being aware! Sometimes people are resistant to start tracking and budgeting because they are scared of what they might find. » Read more about: Are You Sabotaging Your Finances? »
Finding the cheapest airfare is a game of skill. Although there are times when you happen to find an awesome deal, you are more likely to hunt down that perfect flight by using a few strategic methods. Read my post about my favorite ways to find cheap flights here. One of these tactics is knowing when flights are statistically at their lowest price.
According to CheapAir the absolute cheapest day to buy a domestic flight is 54 days before departure.
» Read more about: How Far In Advance Should You Book Airfare? »
I’ve talked about my love affair with my Chase Sapphire Preferred and Reserve cards before. Read my blog post here comparing the two cards. Just this week, I was able to book two round trip flights on Emirates airlines from Washington D.C to Bangkok, Thailand for $0. The flights were valued at $2314.92 total. Here’s how I did it:
My husband and I have been dreaming about a trip to Thailand for a few years and we finally decided to make that dream a reality.
» Read more about: How I Got $2300 Flights To Thailand For Free »
If you know me, you know that I am completely in love with the Chase Sapphire line of credit cards. Also, credit cards are essential to maintaining a healthy credit score. Read my blog post here about why credit cards are so important.
My husband and I first got the Chase Sapphire Preferred in 2015 and now we have the Chase Sapphire Reserve. By using the very flexible Chase Ultimate Reward points that these cards accumulate,
» Read more about: Chase Sapphire Cards Comparison »
What does your emergency fund look like?
Experts recommend that you have 6-9 months worth of expenses saved. This is known as the “emergency fund” and acts as a safety net for life’s unexpected events – the worst being job loss. Most people should aim for 8 months of expenses saved since that’s how long it takes for the average person to find a new job.
How much should I be saving every month?
» Read more about: Do You Have Enough in Savings? »
When my husband and I signed on the dotted line to secure our 30-year mortgage, we vowed that we would not be paying that mortgage for 30 years. Paying extra money towards your mortgage has many benefits – even if you never intend to completely pay it off. If you sell before paying off completely, you will have much more equity in your home since you have more of your mortgage paid off.
» Read more about: How To Easily Pay Off Your Mortgage Early »