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Budgeting
The Best Savings Opportunities in 2020
When we entered 2019 one year ago, businesses and consumers, alike, were concerned about the economy. During that time, trade relations between the US and China escalated. In addition, the Federal Reserve hiked interest rates several times in 2018, with more increases planned for 2019. Just as importantly, the stock market plummeted and reached alarming lows. However, one year later,…
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Budgeting
How to Cope with Higher Gas Station Prices
Just as with any other product, the gas station prices that consumers pay to fill their cars depends on the cost of producing the fuel. More specifically, when petroleum, the original product that gas is derived from, becomes more expensive, so does the cost of transportation. In those situations, consumers may struggle to find cheap gas nearby them. Since early…
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Budgeting
Budgeting for Your Honeymoon
Planning a wedding is full of budgeting. You have to consider venues, food, music, clothing, and so much more. But it doesn't stop there. You also have to prepare for your honeymoon after your big day. There's some important aspects to remember when planning your costs for this, but there are also some tricks to help your budget go farther…
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Budgeting
Minimum Wage vs. Living Expenses: Texas
A hot topic among today’s political economic discussion is the minimum wage and whether or not it sufficiently provides Americans with the amount of money needed in order to comfortably live in their state. This edition looks at the Lone Star State to see whether their minimum wage is enough for its residents, and whether or not it can improve.
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Budgeting
Budgeting for your Big Vacation: The Forgotten Few
You’ve saved up your money, and you just clicked the “Book It” button for your trip. You may have put in the big bucks, but the budgeting isn’t over. It’s now time to concern yourself with budgeting for expenses on the vacation. Here’s the categories you’ll want to put money away for in the months leading up to the big…
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Budgeting
The 2020 Inflation Adjustment and Your Health Premiums
Starting next year, inflation will impact the average monthly health insurance cost and the Medicare premiums 2020 rates. More specifically, even if your income doesn’t change, inflation might diminish your taxable earnings. In turn, you may qualify for lower premiums and tax savings. Having said that, higher health insurance options are also on the table. If your income increases, so…
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Budgeting
How to Budget This Holiday Season
The most festive time of the year has rolled around again. Although days and nights are filled with Christmas carols, holiday parties, and delicious food, you may feel a bit overwhelmed with all of the spending that goes hand in hand with the holidays. You have to buy gifts for friends and family members, host parties, and attend celebrations –…
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Budgeting
The Hidden Burden of Sales Taxes
Imagine that you’re in line at the grocery store. As the cashier rings up the other customers’ items, their total payment and sales taxes show up on the register. Meanwhile, when it is your turn, the checkout employee deducts your taxes or refunds you the amount in cash. If you happen to live in one of the states with no…
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Budgeting
How Much Emergency Fund Savings Do You Need?
During Microsoft’s early days, Steve Ballmer presented his growth strategy to Bill Gates. More specifically, Ballmer wanted the company to hire 17 people in order to reach their objectives. Gates, who strongly opposed the idea, said that the expenses associated with hiring new people “would expose [Microsoft] to financial ruin”. Instead, Gates wanted his company to “have enough cash on…
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Budgeting
Buying Textbooks on a Budget
Every college freshman is warned about the high cost of textbooks, and they never really get it until they buy their first textbook and have to shell out $150. However, this is actually unavoidable, as you should be able to find options that are less than half the price. Here's how.
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