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
To be truly honest with me, some characteristics I think I have, I don’t. I would like to think of myself as patient but I’m nowhere near as patient as I think. I may be patient with other people or patient in certain circumstances but I’m really not all that patient. I think this lack of patience allows me to stay in a state of disappointment. I work out and eat right, but I want changes now, knowing good and well that changes will take time. I don’t care, I want it now! So then I sit around disappointed in myself because I haven’t gotten the results I want today. It’s an ugly trait that I have to beat in order to be successful, that now mentality is slowly killing my growth. It’s amazing how one thing can change everything. That patience has been slowly preventing me from being successful.…
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 see so many people I know spending a ton of money on alkaline water. I understand the hype as to why people want alkaline water rather than regular ol’ water but don’t let the hype keep you broke. Protect your pockets. According to Underground Health, “Alkaline water helps balance the body’s pH, which tends to be acidic because of our high acid food diet, stress and exposure to environmental toxins such as smog. Alkalize your body pH from acidic to alkaline pH, because cancer and many other illnesses cannot live in alkaline environments.” When water is above a 7 on the pH scale, the water is basic, while water below a 7 is acidic. You want your water to be somewhere between 7 and 9. Pretty dope right? Yup, until it cost you anywhere from $2 to $4 a bottle. That adds up! I do not have time to…
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…
One thing I love is a good bargain or sale or whatever you want to call it, but one thing I love more than that is FREE. Now sometimes free comes with some stipulations which may not make the free worth the time but in some rare occurrences the free is all the way worth it. One of those all the way worth it free things is Credit Karma. It’s secure [as secure as anything can be these days], has useful information, an app, and it’s FREE FREE FREE FREE FREE!! I know most people who have Credit Karma use the company for the free credit score, which is cool but I’m here to tell you why I don’t use it for the credit score. What to know about the free “credit score” you are getting? Here is the thing. The VantageScore 3.0 is not technically a fake score, lenders…