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The average American is a whopping $38,000 in debt. And that doesn’t include a mortgage or a car loan. If your family is in debt, you’re not alone.
While climbing out of debt as a family can feel overwhelming, there are a few things you can do to become debt free. If you’re committed to it and apply yourself thoroughly, you can make it happen.
Congratulations on the new job offer! But is it worth it?
We understand that’s not necessarily the question you want to hear, especially when you’re too busy feeling great about your new job.
However, you always need to keep relocation costs in mind before screaming “YES” to that lucrative job offer you just received.
We’re here to tell you about all those hidden relocation costs, so keep reading.
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In the United States, the average credit score ranges between 669 to 699.
The maximum credit score a person can have is 850. If your credit score is closer to the national average, you might have some work to do.
3,855,500 babies were born in the United States in 2017 alone. If you’re about to start the journey into motherhood, know that you don’t have to go it alone.
Millions of women across the country are dealing with or have dealt with the challenges of motherhood. And they have excellent advice and tips on the best products for new moms to make your experience easier.
Though many people enjoy a higher standard of living than ever before, countless others still live their lives with the stress of financial indebtedness. According to data by Comet, approximately 80 percent of Americans have debt across student loans, mortgages, credit cards, medical debt and auto loans.
Having trouble with your broadband? You’re not alone. These days, having a good internet connection is as important as having running water. Even though tons of different internet service providers SAY they’re the best – they can’t all be, can they?
If you’re looking to switch broadband providers and get the best value high-speed internet possible, then you’re in the right place.
In this article, we’re going to look at how to find the fasted broadband – so that your family can download, game and stream to their heart’s content.
So many different things rely on a fast internet connection these days. Gone are the times when you’d fire up your dial up connection just to read a few pages of text.
Now you can stream TV shows, play high-spec games, shop and more. And often, in a family household all of this is happening at once. Fed up of the complaints from your son about the lag time on his games? And fights over slow Netflix streaming?
You need faster broadband.
It’s understandable so much demand on the service you need a better internet connection at home. While one PC might have been hooked up to the web in the past, now you’ve got multiple laptops, smart TV and phones all accessing the internet simultaneously.
That’s why considering speed when looking for a broadband supplier is so important.
When you have a look at switching broadband providers, look at overall speed. This is normally represented in mbit per second. While it’s a hugely important factor in choosing a good broadband provider – it’s not the only one.
Those speeds generally refer to how quickly you can download data. Whether it’s something quick (loading a page), or something slower (downloading a film).
However, that’s not the only measure of speed that’s useful.
If you play a lot of online games, you’ll also want a low ping. That’s the speed it takes for a signal to bounce back to you, and it has a huge impact on how smoothly most online games perform.
You’ll also need to consider contention rates. If lots of people in your area use the same broadband provider, will this slow down your activity?
Thankfully, it’s easy to find good deals for broadband in your area. You can start with price comparison sites online and have a look at reviews. You might also want to consider how good the customer service ratings are and look at any other issues people might have had with a particular ISP.
The right broadband comparison service could save you a lot of money.
Just because you switch broadband providers, that doesn’t mean you’re getting a new line put in. Many of these ISPs (internet service providers) will use the same telephone network but simply package and charge differently.
If you want to take things to the next step, you can consider getting fiber installed to make your connection even faster.
Switching is easy these days. All you have to do is phone up. You shouldn’t notice any downtime and should be able to start using your new connection straight away.
Being an adult involves a lot of responsibilities. One that should be your top priority, aside from paying off your bills, should be securing your financial future. When you are in a job that has a stable income, aside from building your wealth and giving focus on your retirement plan, you should also start investing.
A lot of people don’t really make the best decisions when it comes to investing by themselves. We don’t actually have the time to study the stock market for several years unlike stockbrokers or financial consultants. Yes, there is risk involved to make a profit in your investments and sometimes it can be discouraging, especially for first-time investors or beginners. Even if you do have a bit of experience with investing, it’s still no guarantee that you can pinpoint a good investment, monitor your portfolio, and make the necessary adjustments according to the market performance.
An investment platform or app can take the guesswork out of your investments. It is understandable that you don’t want to lose big chunks of money when the market is down – here are just a few benefits of investing through this type of system:
When it comes to investing, one size doesn’t fit all. Each individual has different goals and it’s important to understand your needs when you are looking for the right platform for you. However, regardless of what platform you use, it is best to start investing now rather than later.
Kids between the ages of 8 and 12 are getting a whopping four and a half hours of screen time each day. Between school, homework, and family time, that screen time amounts to the majority of your kid’s free time each day.
It’s great that kids have ways to entertain themselves and stay out of trouble, especially since you practically have to take out a loan to pay for the video game consoles they beg for every Christmas.
No one likes living with debt. Whether you got it from student loans, on your credit card, through medical bills or something else, having debt is like walking around with a weight on your shoulders. We all dream of the day we can be debt free and save up the money instead of spending it on past debts.
If this sounds like you, you’re probably looking for some ways that you can remove your debts a little bit faster. Luckily, if you’re the owner of a car, there are a few ways you can use it to do just that.
Use Your Car for a Job
Your first option is to use your car for a job. There are now plenty of jobs out there that require the use of a vehicle, and the best part is many of them have flexible hours. By taking on some extra work in your spare time, you can put this money towards paying off your debts.
For starters, you could get one of the traditional car-related jobs and start making deliveries. Find a restaurant in your area that needs some delivery drivers or sign up for a program like Uber Eats or Grub Hub. Not only will you make money each hour, but you can also make good money in tips if you work on a popular night.
Speaking of Uber, if you don’t want to deliver food, consider delivering people. With rideshare apps like Uber and Lyft, you can quickly sign up to become a driver and start making some extra cash in your spare time. You get to choose the hours you work, and who you pick up. Don’t have anything to do on a Friday night? Earn some extra money by driving people home from the bars.
Use Your Car for Advertising
Another option you have is to use your car for advertising. Some companies will pay you to drive around with their advertisement on your vehicle. This is essentially free money for doing something you would do anyway. Some people don’t like the idea of putting an advertisement on their car, but if you don’t mind, you could earn some decent money for very little work. Just be careful when signing up for something like this, as there are many scams out there. Also, make sure whatever advertisement you get is easily removed from the vehicle once you’re done with it.
Rent Out Your Vehicle
For those of you who have a car, but don’t use it a lot, consider renting it out. There are likely people within your area who need to rent a car, but don’t want to pay the expensive fees associated with a car dealership. You can rent out your car to these people for a few days or even weeks and collect the money yourself. Just remember that these people may not treat your car with the best care, and that they will add some wear and tear to it. Also, you’ll want to make sure that they are covered under your insurance, or their own, in case of an accident.
Sell Your Car
Our fourth suggestion is to simply sell your car. If you’re not using it, it’s only taking up space in your driveway or on the street. Even if your car is older or beaten up, you can likely still get some money for it were you to sell it. According to this car dealership, “Before you sell your car, you should look up the Blue Book value. This will give you an idea as to what your car is worth and give you a starting point when you go to sell your car.” You can then put this money towards your debt and pay it off just a little faster.
Selling your car is perfect for retirees, who perhaps needed two cars while both partners were working, but now need only one since you’re both at home. Consider your own situation and decide if you really need the car that’s sitting out front. If not, put up some ads online or take your vehicle to a car dealership and see what you can get for it.
Donate Your Car
Finally, if your car is too broken down to sell it, you could always just donate it. Donating it will allow you to get a tax write off, which could be very helpful come tax season. You could then use the extra money you get in your tax return to pay off some debts, or at the very least, owe a little less money to the IRS. A tax write off won’t help everyone, so you’ll have to examine your own tax situation and consider whether it’s right for you.
Putting the Money Towards Your Debts
As you can see, there are plenty of ways to get some extra money from your car. Once you find a method that works for you, take that extra money and put it towards your debts. Even just a few dollars a week will go a long way and will help you to pay your debts off faster. Then one day your debts will be gone entirely, and you’ll be free to use your car, and your money, in more exciting ways.
If you have bad credit, your future may feel pretty bleak. This is understandable, as poor credit comes with a number of side-effects including high insurance premiums and problems getting approved for loans. A negative score can even affect your ability to get a good job.