Arrest Your Debt

According to the Vision Council of America, an estimated 75% of the worldwide adult population wear glasses or contact lenses to correct their vision. If you’re one of these people, you don’t have to spend a lot to take care of your sight. There are plenty of places to get cheap prescription glasses, sunglasses, and contacts, whether you’re ordering online or not. Buying cheap prescription glasses, as opposed to designer frames, is a clear way to  save money . But before you purchase your new eyeglasses, there are a few ways that you can save even more. Check Your Insurance Coverage First If you are  still working  and have health insurance at work, check to see what your benefits will cover. There’s a chance that your vision insurance will cover the full cost of your glasses , as well as eye exams. You may also be able to use funds from your Flexible Spending Account (FSA) or Health Savings Account (HSA) if your employer offers these. Avoid Buying from the Optom...

If you have equity built up in your home and need access to cash, you have a few options. You could apply for a home equity line of credit, also known as a HELOC, use cash-out-mortgage refinancing, or sell a share of ownership in your home’s value to a company like Hometap. This Hometap review will help you decide if Hometap is the right choice for you. Hometap Provides Alternative To Loans To Access Home Equity Your home is most likely the largest and most valuable asset you will ever own. Over time, it continues to be more valuable as you pay your mortgage as the real estate market in your area experiences general increases. This Hometap review will help you determine if using Hometap to access your built-up equity is a good idea or not.  Reverse Mortgages And Home Equity Loans Since 1986, home equity loans have been available, and more recently, older homeowners can take advantage of reverse mortgages . For some homeowners, these aren’t good options. To qualify for a...

The pandemic hit us hard in early 2020, and millions of people worldwide continue to suffer financially due to budget cuts. These cuts came from redundancies to millions of businesses being forced to close their doors for the last time. While the pandemic is still active, many of us are adapting to a new way of life and beginning to rebuild our lives around this “new normal.” If the pandemic affected you financially in 2020, you may be looking at ways to overhaul your finances and work towards a life of financial freedom. Great news! There is no better time than now to start making significant changes. I have put together a few fantastic ways to rebuild your finances in 2021, which range from big steps to tiny changes you can make – all of which will make a huge difference. 1. Take Advantage Of Payment Holidays One of the best – and arguably the only – things to come out of the pandemic is the fact that mortgage and credit card companies have been extremely understanding duri...

One of the most effective ways to make money in today’s world is to run a small business. Particularly one that can cater to people’s needs to social distance and spend more time at home. Of course, before you can run a small business successfully, you must go through the stages of setting it up. A task you can read all about in the post below.  What Will You Sell?  The first stage of setting up a business is identifying  what you will exchange  for money. There are two main categories to consider – a product or a service. A service that sells well is anything that brings value to another person or helps them solve a problem. Services can range from things like advice, expertise, or support. When you break it down, even a service is a type of product that is exchanged for money. Avoid limiting yourself to only physical products. What is common sense to you may not be so common for others. However, it is worth noting that your business’s structure and the way yo...

As much as we’d all like to be great with money, we may find that it doesn’t always happen. Despite your best intentions, you may find that things always seem to be difficult to stay on top of. When your money problems start to snowball, it can be nearly impossible to stop the negative momentum. When there are more things to pay for as your family grows, it can put a financial strain on your life. However, as much as  money can become a problem in your marriage , it’s a good idea to try and work together and ensure it doesn’t become a huge issue. Instead, you’ll want to make sure you can get your family finances back on track to live the life you deserve. This post will help you do just that! Now, sometimes, this is easier said than done. You may feel as if you have no idea where to start or have so many bad money habits, and you’re not sure you can change. But you can. It just takes a while. If you know that you really want to turn your finances around, you can do it by app...

There is no worse feeling than being behind on bills. Whether you’re bogged down with student loan payments, a mortgage that is drowning you, or insane credit card bills, there is hope. Before you keep reading, take a big deep breath. No really, do it. Maybe a few deep breaths for good measure!  It is easy to feel depressed, worthless, or panicked if you are behind on your bills. But being in a tough financial spot can happen to anyone. Today I’m going to help you learn how to budget when you’re already behind on your bills. Because no one deserves to feel the way you’re feeling right now.  Keep reading to learn exactly what you can do to pull yourself out of the cycle and get caught up. I’m not going to lie. It won’t be easy. But I KNOW you can do it. And in the end, the sacrifices will be worth it.  You’ve got this!  Step One: Assess Your Current Financial Situation  Chances are, you want nothing more than to throw those past due letters in a pile an...