Not so fast. Buying a home is an expensive proposition – the biggest investment that most families ever make. While you aren’t required to cover the entire purchase price up front, you do need to come up with a substantial cash sum before you can close on your house.
As soon as I found out I was pregnant, I did what any responsible parent would do: I began a Pinterest board for nursery decor and baby outfits. I checked sites like Pottery Barn Kids and Crew Cuts for new sales and the latest merchandise (trying my best to save money on a tight budget).
I was one of the millions of new moms that let the excitement of a new baby get the best of them. Luckily, I saved the receipts and ended up returning more than half of what I purchased.
If you’ve ever owned a car, you know how expensive auto insurance can be. According to AAA, a medium sedan costs an average of $1,106 per year to insure – about 15% of the total cost of owning the car. Drivers pay more each year for insurance than they do for maintenance, tires, or even gas.
There are a lot of different factors that affect your auto insurance rates. Some of these, like your age and gender, aren’t under your control. Others, like your job or where you live, aren’t really practical to change. It’s not worth switching jobs or moving to another state just to insure your car more cheaply.
How much does your apartment cost? Depending on where you live, your answer is likely to vary – a lot.
According to RentJungle, the average San Francisco apartment rented for $3,871 per month in January 2017. If you follow the old rule of spending no more than 30% of your income on housing, you’d need to earn at least $155,440 per year to afford the average San Francisco apartment. That’s a tall order, even with inflated average incomes.
CIT Bank routinely appears on our best bank account promotions list, and for good reason.
CIT Bank is the online banking arm of CIT Group, a large financial company that has been around for more than 100 years. CIT Bank itself has existed since 2000, making it one of the oldest online banks in continuous operation. Like the majority of U.S.-based online banks, CIT Bank’s deposit accounts come with FDIC insurance up to $250,000 per account.
According to Bloomberg, 8 out of 10 small businesses fail within the first 18 months. While most entrepreneurs focus on increasing sales, lowering expenses is equally important when trying to achieve or maintain profitability.
I’ll show you 26 straightforward ways to cut costs and increase the success of your small business.
This Metric Matters Most
Online accounting software is a great way to track your revenue and expenses, giving you insight into your business’s profit margin. But what is your ideal profit margin?
Many business owners have no idea what their profitability should be. That’s partly because profit margins come in multiple flavors and are often presented in overly complex ways. Which margin is the most relevant to your needs?
“Well, it’s the thought that counts,” is probably the last thing you want to hear anyone say after you’ve given them a gift you’ve spent so much time and money on. Buying gifts for men can be difficult – and too often we spend much more than we should on gifts that just don’t hit the mark.
If you’re on a tight personal budget, gift buying for your man may seem even more difficult than normal. But fortunately, with a little creativity and elbow grease, you can whip something together that will have your beau smiling for days.
It’s possible to make $100s just by opening up a bank account. But sorting through the best offers can be tricky.
At Money Crashers, we comb through hundreds of deals every month to find you the most lucrative sign-up bonuses – some worth up to $1,000. We also rank the best high-yield checking accounts, cash back credit cards, and more.
Don’t want to miss out? Here are the best bank promotions for the month of March.
Oakland is consistently underrated. With a population of 400,000, it’s the same size as Minneapolis or Miami, boasting high-profile amenities, cultural institutions, and regional attractions (including three professional sports franchises) that you’d expect from a city of its size.
Alas, Oakland lies just a few miles from San Francisco, a bustling metropolis twice Oakland’s size. The Bay Area is big enough to support both cities, but Oakland will always be the region’s second city. (Third including San Jose, the region’s largest municipality down at the southern end of the Bay Area.)
“Sticks and stones may break my bones, but words will never hurt me.” This old English rhyme is often heard during one’s childhood, typically as comfort to a victim of ridicule by other children. Implicit in the advice is the unspoken admonition to the child to grow up and ignore the pain of verbal abuse – after all, it’s only words.