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Frugal living refers to the simple act to live with all the means you have. It essentially involves spending your money wisely and smartly. It primarily includes making certain choices to save money for your future . Whether you want to pay off your debts soon or living your dream life, leading a frugal living can be a smart choice. Some people might interpret frugality as cheap. However, a big difference lies between being cheap and being frugal. As an individual leads such a life, they tend to spend less money, as compared to the average people. This, however, does not means you have to live an extreme life or lead a miserable life. As a person lives such a living, they tend to waste less and be more resourceful with the money, they have. It helps in living happily and simply with less money. The ultimate key to living such a life is maintaining a striking balance between saving and spending. Just because you are being frugal, does not mean that you have to live a mi

The term insurance is used to refer to a form of financial loss protection. It can be described as a risk management measure for uncertain losses, which helps an individual or assets to hedge against the dangers. A body that offers insurance is known as an insurance carrier, insurer, underwriter or insurance company. On the other hand, an entity or individual purchasing insurance is referred to as a policyholder or an insured. The policyholder assumes a known or an insignificant guaranteed loss in terms of payment to the insurance company. To complete the insurance transaction, the company offers a promise to compensate the policyholder if the risk occurs. A loss must be flexible to be calculated financially regardless of whether it is financial or not. Besides, the damage should comprise something that the policyholder has an insurable interest in the form of possession, prior relationship, or indirect ownership. How Insurance Works The insurer gives the insured a con

The decision you make when acquiring a new car – whether you're acquiring a car for the first time or replacing your old vehicle – relies on an array of factors including such things as your cash flow, credit score, and even the type of car you wish to buy. For this reason, it is prudent to conduct enough research about the car market trends in your area and be privy of your financial wellbeing . On the part of your financial health, hiring a personal financial advisor can be a great idea. Suppose you don't think through the whole idea more carefully, how would the situation be like? The consequences would be mainly monetary. The most common mistake a lot of buyers make when acquiring a new car is the failure to include the actual cost of financing the car in its total price; there is always a huge difference between your dealer's invoice price (the money your dealer paid to acquire the car) and the "sticker price". If you are buying a Chevrolet Blazer RS

Your credit score or rating affects virtually every aspect of your financial life in ways you may even not know. With a good credit score, you can get lower rates for car loans, mortgages, credit card rates, and specific insurances. Besides, it is used by some employer to gauge your credibility during hiring or promotion time. Therefore, it is safe to say that good credit can impact your career advancement . Credit calculations can be confusing and complex to understand. The first thing to do to achieve an excellent credit score is to understand the ins and outs of your score. In this guide, we will cover the basics of credit score- from what is considered a good credit score and composition of a credit report, to factors that affect it and how to improve your credit score . Buckle up for a long read… What Is a Credit Score? This is 3-digit number summing all the details in your credit report. Many financial lenders use this score to determine your reliabil

Do we really need credit cards? Are there reasons for using credit cards? Of course, they’re good. Practically, everyone from retirees to teenagers, own at least one credit card. In fact, a credit card tends to be a necessity these days. You’ll find advertisements everywhere about the importance of using credit cards. You can see them in televisions, newspapers, radios amongst others. Also, you’ll receive many direct mailers from many credit card institutions. Despite many people having credit cards, some of them don’t know what they are. The credit card is generally a financial arrangement between the card user, or you and an institution. In most cases, these institutions are banks and SACCOs, from who you can request or borrow instant money and promise to repay later. For example, many Americans do love credit cards thus making it the preferred method of payment in the United States. There are many benefits that are associated with the use of  credit cards . In this article,

Debt consolidation loans and balance transfer credit cards are two common debt consolidation strategies that can lower the amount of interest you owe and help you pay off debt faster and more simply. A key difference involves how many debts you want to turn into one. Debt consolidation loans are typically larger sums used to combine several debts, while balance transfers usually pay off smaller balances on one or two high-interest credit cards. A debt consolidation loan rolls multiple debts into a single monthly payment that you pay over a fixed period, typically two to five years. These loans can have lower interest rates than most credit cards, which allows you to save money on interest over the life of the loan. A balance transfer involves moving high-interest credit card debt to a new credit card that charges 0% interest for a period of time, usually 12 to 18 months. To read more, visit the original post: Debt Consolidation Loans or Balance Transfer Cards: Which Is Right for

I’ll bet you have an answer to that question. So what? I can’t sleep at night because of my debt! Like I said: so what? I’ll bet you have an answer to that question. So what? I can’t sleep at night because of my debt! So what? I have creditors calling me all day long! So what? I can’t afford anything I want to do! Like I said: So what? Like most Americans and many Money Under 30 readers, I still have some debt—after all, it doesn’t go away overnight. But I am a different person than I was three years ago, even six months ago. To read more, visit the original post: You’re In Debt. So What? . The post appeared first on Money Under 30 .

As eviction moratoriums and additional unemployment benefits run out, one in three Americans are not sure they can pay their rent. The coronavirus pandemic and ensuing recession continue to take their toll on the nation's health and economy. Life may be starting to return to normal in many states, but unemployment is still at record highs. According to the Census Bureau's Household Pulse survey at the end of July, 1 in 3 Americans had either no or slight confidence they could pay next month's rent. It's hardly surprising. The federal moratorium on evictions and the additional $600 in CARES unemployment benefits have expired. And there's no clarity on when a second stimulus package might be agreed upon, or what will be in it. That said, the Centers for Disease Control and Prevention (CDC) has just announced a nationwide moratorium on evictions for certain renters. To read more, visit the original post: What to Do if You Can't Afford October Rent . The post

Ever felt like it's such a struggle to be good with your money? The good news is that being good with or getting better with your money does not have to be difficult. Here are 8 tips that will help you simplify the way you think about and deal with your money. This in turn, help you get better with it! Tip 1: Work on your money mindset If you want to be good with or get better at managing your money, you have to first decide you are ready. This means working on your mindset and empowering yourself mentally to succeed. Way to stay empowered could include keeping a journal, saying affirmations, reading books, watching motivational videos or getting a mentor. These are all ways to keep your mindset in check. You've may have heard the saying "you become what you think". Well if you want to get better with managing your money you have to keep it at the top of your mind. To read more, visit the original post: These 8 Tips Will Make You Better With Your Money . The