Arrest Your Debt

If you’ve never invested in the stock market before, this arena may seem mysterious and attractive at first. Many are lured in by the potential to earn big money. Though, the truth is that putting your money in the stock market is dangerous unless you really know what you’re doing. Thus, here’s a brief guide on how ordinary people—like you—can start making money through the stock market. Why Is The Stock Market Considered Profitable For Investment? First of all, look at it from a company owner’s point of view. Companies are listed on the stock market because the company owners believe they can sell shares of the company to investors. Investors can be anybody who has sufficient cash to buy a certain number of shares. Some investors have more money than others, so they become major investors. The more people invest in that company, the more ‘equity’ or stock shares they will own. In turn, the company owner will receive equity and can use it for activities to improve the company’s b...

In the first half of 2020, we all witnessed how COVID19 viciously battered all aspects of travel. Canceled flights, empty hotels, and anxiously masked tourists are now considered the new normal. Suffice to say; we live in unprecedented times. As airlines teeter on the edge of collapse, terrified passengers continue to avoid travel altogether. As a consequence, the industry appears to be on a downward spiral with no end in sight. Thankfully, one thing seemed to have escaped the wrath of this invisible enemy –  cheap airfare. Before the arrival of this pandemic, flight deal hunters needed to tirelessly comb through the deepest recesses of the web to find the cheapest airfares available. Due to diminishing demand, compounded by travel restrictions, we are seeing airlines and online travel agencies competing tooth and nail for a small percentage of travelers brave enough to weather the risk of this pandemic. Now, it is not only incredibly easy to find great deals, but we are also ...

It can be challenging to make ends meet while you’re still in college. Especially since the cost of higher education has risen by more than 25% in the last ten years. So, it’s unsurprising that many students have trouble saving more money. But, it doesn’t have to be that way. There are plenty of ways you could save money while you’re still in college. Here we have selected six top tips to help you decrease your costs and save more money. Calculate Your Living Expenses For some people, it’s cheaper to live off-campus and rent an apartment. But, for others, that might not be the case. This is why it’s essential to calculate your expenses for rent, utilities, food, and transportation costs.  This will help you make a better decision about your accommodation. You can also save more money if you live with a roommate. If this is your first year in college, then you might feel overwhelmed with the decisions you have to make. According to Best Student Loans, these are the things to t...

Saving part of your income for retirement is a habit everyone needs to nurture from a young age. Most people claim they can’t afford this, especially those with little income, but it is the surest way to secure your future.  Make saving part of your financial journey the moment you start your first job to help maximize the benefits. With a proper retirement and saving plan, you can ensure you have a comfortable retirement while also focusing on other life goals such as paying off a mortgage quickly . Here are several reasons why saving for retirement while paying off debt should be part of your financial plan. Having A Sustainable Savings Plan Most people have debt at some point in their lives . These debts have to be paid, but they should not halt your plan for saving and investing. In certain situations, paying off debt first while stalling your savings can be a good strategy, but the problem with this is some debts will take many years to clear.  Consider making a fl...

Living stingy is a compliment for some people, yet a derogatory term for others. Some people who embrace the stingy term are proud of their lack of spending and the ability to get a good deal. While this is certainly a motivator to help you get ahead in life, you are often competing with karma. However, if you’re one of the  59% of Americans  currently living paycheck to paycheck, a stingy lifestyle may be your only option to finally get ahead. Full disclosure – people have referred to me as living stingy at times. It always seemed to have a negative connotation with it, but I wasn’t sure why. “Stingy” in the dictionary means: “ unwilling to give or spend; ungenerous.”  While the beginning of the definition sounds pretty good, the last word is a shot to the gut. I don’t think many people want to be labeled as an  ungenerous  person. When I think of ungenerous, I think of the kid at Christmas who finishes opening a pile of presents and then says, “is that it...

Weekend getaways allow you a chance to  escape from the hustle and bustle of life  nat a fraction of the cost of a more extended vacation. And with a little planning, you can take several cheap weekend getaways throughout the year and scratch your travel itch for very little money. You know what I’m talking about, right? You’ve been working hard for months, and you just need a break. You also don’t have the time, or maybe the funds, to take a week or two off for a proper vacation. What do you do? You begin planning a getaway for the weekend. A Google search for cheap weekend getaways will reveal a plethora of travel lists. Destinations like Las Vegas or Atlanta are staples of lists like these, but you’ll also find quite a bit of variation. The problem with lists is that what constitutes cheap weekend getaways for you is highly dependent on where you live and how long you have. So, rather than regurgitate the typical getaway lists, we’ve decided to discuss the things you...

It’s so easy to point the finger at others and to judge their sense of entitlement, but recently I did some self-reflection and found I am just as guilty of feeling entitled as the next person. My Sense Of Entitlement And Frustrations As a career professional, I have high expectations. I expect my team to work as hard as I do and I expect certain things in my life. When I get up in the morning, I expect the water to work when I turn on the faucet and for hot water to be there when I take a shower. My Car Better Start If I get in my car and it doesn’t start – I get angry. I hate when things don’t work or when things break. When I can’t figure out what’s wrong with my vehicle, I get stressed and agitated – just ask my wife. My Phone Service Should Be Perfect When I make a phone call and the service drops – I’m frustrated. In other words, I expect everything to be perfect in my life or my mood changes . At what point in my life did I become this way? I don’t have any idea how my p...