Two years ago, I looked at my cable television bill and I decided that I had had enough. I multiplied my bill by twelve and thought of all the things that I could have spent a year’s worth of cable TV on. My family wasn’t ready to cancel cable and stop watching TV altogether, but we wanted to stop throwing our money away on all of the lousy content that was on most of the channels.
The term “spring cleaning” probably conjures images of retro housewives in aprons and handkerchiefs, scrubbing the grout with toothbrushes. These days, we often use the phrase in reference to a variety of things, from clearing out the garage to going through your work inbox.
If you talk to anyone from an older generation, however, you’ll hear about the days when every nook and cranny was scrubbed and polished until the whole house gleamed. Spring cleaning was not a phrase to be taken lightly, and it was not a choice. It was an arduous task taken on every spring without fail.
When you hear that someone flies planes as a hobby, what’s the first thing you think about that person? That they’re extremely wealthy?
Until recently you’d probably be right, since earning a Private Pilot License costs more than $10,000 and can take months of time that average people simply can’t spare.
But now, nearly everyone with dreams of being a pilot can make them a reality with the new Sport Pilot rule. How so? Read on to learn more about the Sport Pilot License (SPL) and how it works.
As a small business owner and freelancer, I’m amazed by how quickly my employed friends get their taxes done. Their employers withhold taxes year-round, and all these friends have to do is file by the IRS tax deadline to get a tax refund. But if, like me, you don’t have a human resources department pulling tax money out of your paycheck for you, you have to pay estimated taxes four times a year.
This system helps the government maintain a reliable schedule of when money is coming in, and it protects you from having to cough up all the dough at once. While it’s a little extra work, filing your estimated tax payments each quarter helps you stay on top of your taxes.
From opening day to the playoffs, if you want tickets to any major sporting event, you may face some steep costs, especially if you don’t do your homework. If you want to make it to the big game without breaking the bank, you’ll want to look at all of your options for purchasing tickets. As a buyer, you should have three things on your mind: price, availability, and location of the seats.
Finding the perfect apartment for rent can be a lengthy, time-consuming process. When I first started renting, I drove by every apartment complex in an area, requested a pamphlet, and repeated the entire process for other areas. Then I picked up the print version of Apartment Guide and a newspaper, headed home, and tried to sort the mess out. It took way too long and I missed out on all the great private owner apartments because I didn’t know where to look.
When I first signed up for wireless service, my bill was under $30 a month for plenty of minutes and the short list of features I needed. Nowadays, carriers know that most people require a cell plan for their everyday routine, and they’re able to charge a lot more. Sure, phones are more powerful, but they also come with costs and fees for features I don’t need. My bill is nearly $90 a month, and it’s quickly becoming one of my family’s largest monthly expenses.
I love to travel, but as a college student, jet-setting doesn’t always fit my bank account. Weekend getaways, staycations, and last-minute discounts help me make the most of my travel budget, but what about budget travel to more exotic destinations?
I’ve found that visiting places with favorable exchange rates has worked out well for international destinations – especially when I can also find the best airline ticket deals to get there. Some of the main factors I consider when evaluating a potential destination are: cost of living, visa fees, airfare, activities, culture, and safety. Using this strategy, I’ve been able to travel to five South American countries in the past two years on a relatively tight budget.
Other than your home, your car might be the most expensive purchase that you ever make. I love nice cars, but I also try to manage my finances responsibly. As a result, I have reluctantly come to the conclusion that a new car is an unnecessary expense.
Sure, you can find overpriced used cars and bargain buys on brand-new vehicles, but it’s not just the sticker price that makes a new car a waste. The associated fees, subsequent costs, and losses in value (i.e. depreciation) add up to thousands of dollars over the first few years of new car ownership. This is especially bad news if you end up upside down on your car loan.
Have you been looking for a way to invest your money with relatively low risk, but with a higher return than the interest rates of CDs offered by banks and credit unions?
Look no further than fixed annuities. For decades, fixed annuities have provided a secure form of savings for millions of conservative investors on a tax-deferred basis. They are by far the simplest type of annuity contract and offer all of the benefits provided by any type of annuity except for the opportunity for market participation.
Let’s look at the details of a fixed annuity and how to decide if it’s the right investment for you.