Category Archives: Frugal Living

Money Saving tips

A Look Inside the Struggles of the Average Millennial

By: Dayana Enriquez

Throughout the span of the average American adulthood, you might or might not encounter yourself fighting a losing battle with managing your finances wisely. If you fall into the “might not” category I commend you! I can date my first financial flop back to when I was in elementary school, my parents would give me two crisp dollar bills to put in my piggy bank every week. Of course as soon as the ice cream man would cruise by I immediately ran to that piggy bank, uncorked it and tapped into my premature savings account. What I failed to realize was that I was training to make terrible financial decisions an adult. That piggy bank later became a savings account at a real bank, but as the saying goes, bad habits die hard.

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Five Tips For Finding Financial Freedom In 2017

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Financial freedom can be difficult to obtain without the right habits and rules established. For those who live paycheck to paycheck, it can be challenging to plan for the future or enjoy life while living on limited funds.

To obtain financial freedom in 2017, there are a few important tips to follow that will prove to be effective.

Pay Off Debt

Debt is one of the main inhibitors of growing your wealth due to money that must be repaid in addition to interest, which can add up to thousands of dollars each year. Continue reading

Linkedin: Getting the Job

 

Business people waiting for job interview. Four candidates competing for one position

LinkedIn is the world’s largest professional network, some 300 million strong. That means if you are in the market for a new job or looking for new connections, LinkedIn is your candy store. The issue for many that build a profile there is that they don’t seem to get the traction or engagement they need. No one visits their profile. Companies overlook their expertise. And often times, they don’t know how to venture deep into the candy store to explore and market themselves. If it’s time for you to make a change and you want to use LinkedIn to get you there, here are a few ways to market yourself so you really get noticed:

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Smart Spending For The Holidays

holidays, present, christmas, childhood and happiness concept - close up of child and mother hands with gift box over shopping center background

 

By : Jurissa Ayala

Tis the season for shopping and, for most people, overspending. You don’t have to let that be your tale for morning after Christmas regret. You can spread holiday cheer without breaking the budget. These tips and tricks will help you resist impulse buying throughout the holidays so your New Year doesn’t begin in budget jail.

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Comparing Your Options: Roth IRA, Traditional IRA, or 401k?

Confused businessman concept as a man standing on a road making a decision on a path to take with a group of arrows going in many directions.

By Bryan Cambra

How do you know which type of retirement account is right for you?

There are three main options available for most individuals. The Roth IRA, Traditional IRA, and 401k retirement accounts are the most common because they are easy to establish and provide tax advantages. Take a look at each one to determine which could be right for your needs.

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Emergency Medicine for a Toxic Workplace

Stressed businesswoman covering her ears with hands

The Monday-morning heart attack is more than a myth. Studies published across the globe in the European Heart Journal, the American Journal of Hypertension, the British Medical Journal and others confirm the heightened incidence of heart attacks on Monday morning.

The rise in heart-attack incidence coincides with the return to work after the weekend. According to the American Institute of Stress, “Increased levels of job stress as assessed by the perception of having little control but lots of demands have been demonstrated to be associated with increased rates of heart attack, hypertension and other disorders.”

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The Sharing Economy: Renting Luxury

 

 

beauty rich brunette woman in luxury interior near empty frames, vintage elegance, gold close up

By Jurissa Ayala

Many women would die to reach into their closets and pull out a new designer garment for every day of the week. But considering today’s unstable economy and the exorbitant prices demanded by high-end brands, this is unrealistic. Luckily, businesses are capitalizing on the public’s desire for luxury apparel. America’s new approach to a sharing economy is via rental.

Eager fashionistas now flock to various websites to borrow high-priced handbags, jewelry, and gowns for a fraction of the retail cost. Each lender comes with its own unique system and policy, but all in all, fashion-hungry women are making out like bandits as they sell, borrow, and buy some of the most coveted pre-used luxury pieces on the market.

Here’s a spotlight on some of the most Continue reading

5 Unique Ways Baby Boomers Are Making Money From Home

 

 

 

Hands holding a piggy bank and a house model. Housing industry mortgage plan and residential tax saving strategy

By Jurissa Ayala

In today’s fast-paced, technology driven world, opportunities abound for earning money while staying at home. This is especially beneficial for baby boomers who have graduated to the level of senior citizens.

While achieving senior citizen status has its benefits, many prefer to stay busy and productive. Through the years, seniors have learned a lot of things whether its through a specific career path, travel, hobbies or life experiences and now they are ready to put their lifetime of experience back to work, staying engaged, being involved, and all the while earning money from the comfort of home.

If you’re ready to “punch” a work-at-home timecard, consider one, or all, of these potentially profitable ideas.

Freelance Writing

Many seniors have a desire to write but don’t know where to begin or they don’t realize there’s a market for their knowledge on the Internet. Every website has content that has been written by staff writers or contracted to third party content websites that use independent writers to produce the work. As an independent contractor, writers are responsible for claiming the income and paying taxes but it can be a lucrative home job once a client base is established.

Use the many free writers websites that provide information to aspiring freelancers about companies that are hiring and links to the application page. There is no need to sign up for any service that charges for this information. It’s readily available by doing a little research on your own.

Share the experience you’ve garnered through the years to create informational content. If you have a career specialty such as marketing, finance, retail sales, fashion buyer, human resource or customer service representative, veterinary assistant, chef, home designer and decorator, home renovator, plumbing specialist, and much more, your experience and talent are worth money.

Create a Website

Set up your own at home business with a website where your experience and expertise can earn additional income. Whether you work as an independent travel agent, web designer, consultant, freelance writer, or any other online service related field, you set the prices, terms, and a schedule that works for you.

The website can also serve as a storefront to sell individual or bulk items. Whatever you choose to sell, it’s important to “network” or “link” your other selling venues such as eBay or Etsy to your website to showcase your online inventory. For flea market inventory, post pictures and prices on your website. Through networking, you’ll draw more customers which generate more traffic to the individual websites that can result in more sales.

You can buy and register a domain name and also sign up for an online store at GoDaddy.com or use an optional free service to create a website at WordPress.org that also offers an ecommerce shopping cart to sell goods and services.

eBay

eBay has been a source of making money from home for many years. The company takes a percentage of each sale and in return provides the platform to sell just about anything. You have access to plenty of information explaining how to set up an account, determine pricing and shipping, and how to receive payments through PayPal. You are responsible for keeping track of sale items, providing feedback to buyers, collecting payments, and shipping the item.

Etsy

Open a shop at Etsy and sell handcrafted, vintage, and collectible items or supplies. It’s fun, easy to set-up, inexpensive to post sale items, and Etsy, like eBay, takes a percentage of sales to keep the site running smoothly.

Telecommuting Jobs

Consider working as a customer service representative, data entry operator, medical coder,  virtual assistant, or other telecommuting jobs in the comfort of your home office. Many companies outsource work to at-home employees. Just a few of the telecommuting opportunities that exist are in the fields of home shopping sales, insurance companies, medical billing, graphic designers, software developers and virtual administrative assistants.

Each company has its own training and equipment requirements. Some may require onsite training for a short time, while others offer online training via a computer and phone where you will work through a paid training course over a set number of days with a trainer.

Companies may offer fulltime or part-time positions with various schedules during the day, evening, and weekends with set working hours and scheduled days off. Depending on the company, assigned schedule, employee status as a regular employee or a temporary employee, you may be eligible for insurance, employee discounts, paid holidays, and accrue time for sick leave and vacations.