Save Money the Easy Way, Don’t Lift a Finger with Digit One of my all time favorite money apps is Digit. Digit has a dope algorithm that monitors your spending and takes money you wouldn’t notice and places it in a FDIC insured account. So basically, you are saving without actually having to save. HOW DOPE!! Additionally, Digit tells you exactly how much you have in your linked account everyday for me it’s around 9 a.m. You hardly ever have to log into the app as Digit can communicate to you thru text. Right now, I dont have the Digit app on my phone. You can sign up and communicate with Digit via text. You can simply send a text with key words or emojis. For instance, if you send the umbrella with raindrops emoji, it will tell you how much you have saved in your Digit account. I put…
Budgeting Tips for Beginners Most of us want to budget but budgeting seems complicated and time consuming. I even found myself looking for apps to make it simple but could never find the perfect app. With most apps you have to link your bank account and put a lot of energy into categorizing purchases to find out how much you spend where to adjust your life in a particular area. That seemed to be more time consuming than just figuring it out on my own. I took some time out and said to myself how can i make this easy enough for me to actually want to do it but accurate. First thing I decided to do was to break my income into three accounts; bills, saving, and spending. Then I had to figure out how much I needed to put into each account. So boom, I needed to know…
It’s the new year and I know many people try to start the new year with a good financial plan. I know paying off your debt could be in your plan to reach your goals but you should validate your debt before paying the debt. Send the letter below via certified mail, which will notify you that the letter was received, to the debt collector. They have 30 days with a 15 day cushion to respond, if they do not, use the certified receipt to dispute the debt on your credit report. If they respond and they cannot validate the debt, use that letter to dispute the debt on your credit report. If they happen to respond validating the debt, you should then start with negotiating payment arrangements. Name Street Address City, State Zip Code Collection Company Name Street Address City, State Zip Code Phone RE: Validation of Debt Letter…
So, here you are in all your budgeting glory getting your adulting on but you realize there is still room to save more money to put towards your financial goals. Typically you would think this is a easy fix, save the money and do what you have to do, right? Yes, until you realize what you would have to give up to save that money… YOUR SPACE! This is my current dilemma, do I want a roommate or not. Here I am in a place where I am saving more money because I have paid something’s off but I am like hmmm, I can save more. Rent is sky rocketing every where, in Nashville cost of living went up 54.1% from 2000 to 2015. At this point I am considering getting a roommate because I can save some extra money, right? Yeah but is what I am going to save…
This post will be very brief as there is not any long drawn out explanation of what you should do. I will start by explaining why it is important. First, people are crazy these days, you don’t know if you have anyone going through your trash. You don’t want someone to know what medications you are taking because it will be easy to figure out why you are taking them. Also, your personal information is on that bottle and people could use that information for various uses. The main idea is to remove the label or mark the information out. Check out these ideas: These are some of the simple ways to dispose of the bottles. Two steps: Remove/Mark Out the label, throw or reuse the bottle. Listening to Solange “Cranes in the Sky” on Spotify
Here recently I decided to sign up for Samsung Pay. I am personally super excited about using it. I’m going to outline the things I like and the things I do not like but as of right now, 2 weeks into using the app, I love it. Also, I’ve read reviews on other apps and this is why I made the choice to try Samsung Pay over any other mobile payment system such as Apple Pay, Android Pay and Google Pay. Although, I haven’t tried any of the others, the biggest different between them and Samsung Pay made the call for me. Later, I will show you how to set up the app. I want to get this out of the way, so that you do not read this and it does not work on your device. Samsung Pay only works on Galaxy S7, S7 Edge, S6 Edge+, S6, S6…
I’m so sick of paying high ass cable bills and there is never anything on TV!! What a waste of money. Don’t get me wrong, I like to watch good movies and there are a few shows I really enjoy but most of the time the TV watches me. Something’s gotta give. I am giving away almost $150 a month to SAY I have cable. So I looked up all the ways we both can beat the box. The cable hustle ends today: The Options: There are plenty of TV episodes that air on Hulu Plus the day after airing on network TV. Hulu Plus is probably the fastest airing streaming service. For a TV watcher this is your best bet. Sling TV is owned by Dish Network, but you DON’T need to be a Dish subscriber. With Sling TV you can stream live cable TV channels, which includes channels…
If you live in Nashville and listen to most radio stations especially 101.1 The Beat you have heard a commercial or two or three for Flex Loans. Flex Loans are the worst things for your pockets fam. They may say the interest rate is only 24% but that is total bull. These loans come with more than a standard interest rate. The interest rate is capped at 24% but the daily fees that these loan sharks are allowed to charge you will take that 24% and raise you a mean 255%. That puts your interest at TWO HUNDRED AND THE SEVENTY-NINE PERCENT (279%). Yes you heard me right, 279%. That can get ugly when you can borrow as much as you want essentially. Traditional payday loans are capped at $500 and you are only able to have 3 outstanding loans at one time and you may pay back about $50…
I was on the phone with a good friend of mine, Ndi, and she told me her brother was in a susu. I instantly said “a who, spell that” lol.. She explained to me “SU SU.. S..U..S..U, its a group of people saving together to gain money fast for a business” or something like that. Still a little confused I asked her to explain more, she said “So let’s say 10 people put $100 in the pot once a month and each month one person gets to collect the total, so everyone puts in and gets no less than the same amount”… *light bulb goes off* I know you are like me reading this thinking, so what TF is a susu right? Well, a susu is basically a savings club. This type of savings club was created in the Caribbean. So, not only do they have beautiful beaches, resorts, great…
Debt-Free Together: A Real-Life Example A while back I read an article about 4 sisters who combined all their debt and paid it off in less than a year and a half. Yeah right? It seemed so unreal that I had to find the article and read it again, Lo and behold, it was absolutely true. These four sisters in Texas combined their income ($106k), moved in together, cut unnecessary expenses (cable, etc), and put each other on an allowance to attack their combined debt ($182k). Whoaaaa!!!! That’s too real. Their debt included student loans, credit cards, and car payments. These took one of my favorite sayings and made it a reality “teamwork makes the dream work”. They joined forces to become debt free together. Imagine what you could accomplish by being debt free. Teamwork Makes The Dream Work Debt is a prevalent issue that affects many people’s financial stability…