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Why Did No One Tell Us Adulting Was This Hard?

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adulting

I feel like I’ve heard just about every single one of my millennial-aged friends say this at some point in our lives. “Why didn’t anyone tell me” (fill in the blank here). My thoughts about this are generally two things:

  1. My parents totally prepared me for how hard adulting was going to be.
  2. Suck it up, buttercup.

At the same time, there have been moments in my adult life I have been totally ill-prepared for, especially when it comes to finances. For me, it wasn’t that no one told me adulting was this hard, but no one really taught me how to manage being one.

So, Why Didn’t Anyone Tell Us?

Chances are, they did. What they didn’t prepare you for was the specific life crisis you’re going through right now. After all, your parents and mentors can only prep you for what they have been through, for what they know. No one goes through life having the same exact experience as the next person.

That being said, when it comes to “adulting” and why you weren’t prepared, you should also realize the environment we’ve been living in is vastly different from that of our parents. It is even different from the generations just a few years younger than us. A lot of the advice and tips your grandparents and parents bestowed on you is no longer relevant in many ways, especially when it comes to your finances.

It doesn’t make their advice or what they have to say less valuable. Many of the same things apply in today’s world, but you’ll need to alter it to fit your needs. Remember, doing what is best for you comes first and foremost – no matter what mom and dad always said you should do.

Taking Care of Yourself in the Way You Need

When it comes to your finances, your health, your home, your family, and just adulting, doing what is best for you is always the right decision. Keep your blinders on, try not to pay attention to what other people are doing, and perform what works for you instead of looking to others for direction. There is no “one size fits all” to anything – finance, life, or pants.

Lastly, don’t ask that annoying question “Why didn’t anyone tell me adulting was going to be so hard?” Life has its difficult moments, it always will. How you adapt, push through, and persevere is what counts.

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What Is a Non-Traded Real Estate Investment Trust?

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If you are like most people, you can often get lost in all the terminology associated with financial services. Sometimes figuring out the definitions of certain portfolio choices can be difficult enough, let alone understanding the pros and cons of investing in such portfolios. Difficulty in understanding various options is one of the top reasons many individuals turn to wealth management organizations such as AOG Wealth Management for help. [Read more…]

5 Financial Hacks for Every Startup

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Every startup’s goal is to reach financial stability in order to generate real profit, establish a fierce base in the competitive business world, and upscale their corporation. Although these may seem hard to reach, many of these objectives can be attained through a few simple steps early on. A systematic approach to your business management will allow you to better your time, capital, and other efficient resources. In order to do so, every start-up entity must understand and realize the following financial hacks. [Read more…]

Top 6 Reasons Getting a Business Phone Number Could Be Beneficial for Your Company

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If you run your own company and you’ve been juggling multiple communications systems lately, you may have wondered if getting a toll free number for business would be helpful. While getting a separate, dedicated phone number just for your business may seem like just a luxury or an extra expense at first, the many benefits associated with a unique number can quickly become more than worth the initial investment. From helping you maintain consistency to improving your customer service to protecting your personal privacy, a business number can be beneficial for any type of company. Here are just a few of the top reasons you may want to consider getting a dedicated phone number for your business. [Read more…]

ClickCashGo Review: Avoid At All Costs

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ClickCashGo Review

Sometimes we get in a tight spot and need money immediately for an emergency or even money for food to put on the table. That has many people look to bad credit loans and cash advances to help them get by. ClickCashGo is a marketplace to put people in touch with bad credit loan service providers. Is it a good option for you if you’re in need of cash right now? Here is my honest ClickCashGo review…

What is ClickCashGo?

ClickCashGo is a loan marketplace that puts people with bad credit in touch with lenders. Because the site is geared towards people with bad credit, credit checks aren’t always necessary. However, interest rates can be higher on many of these bad credit loans.

The site is designed to help match people with small personal loans and other types of financing. Purposes for financing can vary widely and can be as little as $200. To qualify you must be/have:

  • at least 18 years old
  • a resident of the United States
  • income of $1,000+
  • an active checking account in your name
  • employed for a minimum of 90 days

You also won’t be able to submit information for ClickCashGo if you are located in my state (Georgia) or any of the following states:

  • Arizona
  • Arkansas
  • Massachusetts
  • New York
  • Ohio
  • Pennsylvania
  • West Virginia

My ClickCashGo Review

Personally, ClickCashGo isn’t something I would ever use myself. There is no reason my husband or I would look into a high-interest payday loan or cash advance. However, I have been in those situations in the past. If I was looking for a loan like this, would ClickCashGo be a good option?

Well, ClickCashGo is a site that puts you in connection with loan service providers. While it is not the provider itself, it collects information that can give you good loan matches. For people with bad credit, ClickCashGo can find loans that can cater to your specific needs (up to $5,000). The bad thing is ClickCashGo does partner with some not-so-great lenders. Interest rates on loans through the marketplace can be up to 35.99%.

Thankfully, you are not obligated to pay anything unless you accept the term agreement. If you do not accept, you will not be held responsible for payments.

A Note on Transparency

When you look at other review online of ClickCashGo, many people note transparency being an issue. Some sites have the service as low as three out of 10 stars for transparency. In many cases, this is because terms were not always made clear. ClickCashGo can also give your information out to loan service providers. Some applicants did not believe ClickCashGo was transparent about their contact information being given out.

Conclusion

When it comes down to it, ClickCashGo is still a payday loan and/or cash advance service. Unless it is absolutely necessary, these types of loans should be avoided at all costs. Not only are they typically higher interest, but they will also continue to keep you in the mindset that living on debt is okay.

To truly further your own debt freedom goals, make loans like this mentally not an option. This will help keep you from falling victim to predatory lending or picking up unneeded debts along the way.

Readers, have any of you used ClickCashGo or similar services? What was your experience? 

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Financial Tips for Young Adults

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Chances are, you didn’t learn much in school about how to manage your money once you started working and living on your own. Now that you’ve got this responsibility on your plate, it’s probably time to educate yourself about living within your means and preparing for any financial difficulties that may come your way. A good place to start is with these 5 simple tips to help you manage your money as you step into adulthood. [Read more…]

How to avoid the common mistakes in the stock trading business

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Everyone wants to become a professional stock trader. Those who are skilled at trading make a decent profit without losing too much money. For the safety of the trading capital, you must follow a strategic approach and take the trades with proper discipline. As you gain more experience with this market, you will slowly learn to avoid the most common mistakes in the stock trading business. Sadly, the new traders in Hong Kong don’t even know what their mistake is. They are using the most aggressive method and trying to earn huge money without knowing about the key steps to take the trade. For this reason, some of them even blow up the account. Today we will teach you to avoid some of the common mistakes in the stock trading business. [Read more…]

4 Steps for Investing in Dividend Stocks

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If you’re interested in making a new investment, consider dividend stocks. Before you start the investment process, it’s important to know what dividend stocks are and what you can expect as an investor. Read on to learn more about dividend stocks, the benefits and drawbacks, the investment process, and the high-dividend stocks you can invest in.

What Are Dividend Stocks?

Image via Flickr by lendingmemo_com

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