DIY Home Improvement Project

5 tips for financing your next DIY home improvement project

Create a budget for a diy home improvement(BPT) – Whether it’s transforming a fixer-upper into your dream home or just giving a makeover to your kitchen or bathroom, DIY home improvement projects are on the minds of many new homeowners across the country.

While many things about renovating your home are flexible, your budget might not be. In general, not a single floor-board is laid, or a new countertop installed without money, which is why every home renovation project should begin with careful financial planning.

To help homeowners with their renovation projects, Marcus by Goldman Sachs(R) is working with home renovation expert, JoJo Fletcher, to share her budget-friendly home renovation tips.

“Think about small changes you can make if you don’t have the time to take on a big project right now, like freshening up any kitchen by refinishing your cabinets with a bright white coat of paint,” said JoJo Fletcher, ambassador for Marcus by Goldman Sachs(R). “When it comes to financing View full post…

Read More... Please comment

5 Tips to Save on Healthcare

Healthcare hints: 5 savings tips for budget-conscious consumers

5 tips to save on healthcare(BPT) – As Americans work hard to meet all the obligations that come with work, family and everyday life, many are challenged to find time to manage all the financial elements affecting their healthcare.

If you’re among them you’re far from alone, since the multiple details associated with healthcare insurance can be confusing. At the same time, you want to be smart about your financial resources when making decisions about the quality healthcare you and your family need.

Fortunately, by carving out time to research money-saving tips you may be able to minimize your out-of-pocket healthcare expenses. Such out-of-pocket spending rose by more than 50 percent between 2010 and 2017, The Atlantic recently reported, partly because half of all health insurance policyholders in the U.S. are dealing with annual deductibles of at least $1,000.

Whether you’re uninsured or simply facing a high insurance deductible, you can take several steps to better manage your healthcare budget. Consider how the following tips may offer you a better sense of control of rising View full post…

Read More... Please comment

Living On a Budget Without Overspending

Overspending. Who Me? Try Living On a Budget.

Living on a budgedMost of us have asked ourselves that question on numerous occasions, sometimes in disbelief. We never dreamed that it would be possible, until we look at our credit card balances that have been slowly increasing. Would living on a budget prevent that?

Usually, overspending is not a conscious effort. It could start with something as simple as meeting friends on the way to work for a latte. Your cash is spent so you just charge the drink, no big deal.

A couple of times during the week, the same friends suggest that you have dinner with them. You are shocked when the credit card bill arrives and you add up those unplanned charges that total $320.00.

You didn’t realize how easy it was to overspend without being aware of it.  Now how do you tell your friends that you can’t View full post…

Read More... 8 Comments

Create an Emergency Fund

3 Lame Excuses Not to Create an Emergency Fund

Create an emergency fundIf you were asked to think back through your own life, and name the one item that topped the list of money management tips, what would it be? We would get many different answers on that question, but the one that tops the list, is create an emergency fund.

Many individuals ask why? There are so many “emergencies” in life that can happen. An unexpected root canal, extensive car repairs, a home large appliance dies, or even worse, you could lose your job. If you don’t have the cash to cover these items, many look to a credit card or even a personal loan, to cover it.

View full post…

Read More... Please comment

Tips for Saving Money – Create a Budget

Tips for Saving Money – Create a Budget Now

Tips for saving money - create a budgetLet’s begin by stating one important statistic…US citizens in general not very good savers. It’s a known fact and there’s no point in trying to white wash it. For the current year of 2016, the average rate of savings in America was 5.6%. Not very impressive. We offer these tips for saving money to change that.

According to the Bureau of Economic Analysis, the high income earners save a lot more of their income than the middle income earners. The middle income earners actually save a very small percentage of their incomes, practically nothing. Why is that? We all are aware that we need to be saving more, and yet we don’t.

View full post…

Read More... Please comment