One Cent At A Time

4 Ways You Can Avoid Bankruptcy

October 22, 2019 Leave a Comment

I developed a travel hacking hobby for the last few months. As a result, I have been following forums (Flyertalk forum) and Reddit channels (Reddit churning). I often come across stories of people asking questions on applying for a credit card after bankruptcy. You can never imagine just how many families suffer from these financial setbacks every year. Why people can’t avoid bankruptcy?

Even with sound savings and despite a sizeable emergency fund, bankruptcy is just an illness away or just a motor accident away. Some times it’s just around the corner through a job loss. But is declaring bankruptcy the only way to keep creditors at bay?

Develop This 10 Habits to Save More Money

October 15, 2019 1 Comment

Every physician wants to save money, but building good money habits is more difficult than it sounds. Saving additional money each month allows you to put more toward things like retirement, college tuition, emergency funds, and other vital expenses.

It’s impossible to completely transform your financial outlook overnight, but the changes you make today will affect your entire financial future.

These Tips will Help you to Build your Own Successful Website

October 10, 2019 1 Comment

If you want to build a successful site, then you will know how stressful this can be. You may feel as though you have so much to think about and that you can’t possibly meet all of the right SEO regulations too.

Luckily, there are a few ways for you to turn all of this around, and if you follow these steps then you’ll soon find that it is easier than ever for you to have the site of your dreams built and launched in no time at all.

First Time Home Buyers: 5 Things that Needs Consideration

October 10, 2019 2 Comments

Acquiring your first house is a big step to take. It’s not as simple as buying something from the shopping mall, which you can return if there’s something wrong with the item. A house is a long-term commitment, which is why you need to be extremely careful in picking out your first one.

In 2018, the estimated number of households in the USA reached 127.5 million. The rise in number is partly due to an increase in population, but also somewhat because housing prices were going up in the last few years since the great recession. Are you planning to buy your first home?

Enhance Productivity While Working From Home

October 8, 2019 2 Comments

It’s not always easy staying focused at work. With so many distractions and an ever-increasing workload, it’s hardly surprising that most of us struggle with the 3 pm slump. There are numerous tips for people working in a traditional office setup, with people around but not much is written on how to enhance productivity while working from home.

In recent years, more businesses are embracing flexible approaches when it comes to working hours and where work is completed, allowing some employees to work from the comfort of their own home. While this may seem like a dream, it actually requires a significant amount of discipline, as there are so many distractions in the home.

4 Tips for Getting the Lowest Life Insurance Rates

October 7, 2019 1 Comment

Whilst a ‘cheap’ policy might not be what you are looking for when it comes to insuring something as precious as your life, the good news is that there are many ways to cut costs, without compromising on getting the level of cover that you need.

Shopping around is crucial, whether you are taking out life insurance to protect a business or have decided that now’s the right time to think about getting cover due to starting a family of your own. Whatever your reasons for getting life insurance, there are always good ways of driving the cost of your policy down.

Budget-Friendly Decor Ideas to Cut the Renovation Cost

October 6, 2019 Leave a Comment

For over a year we have been thinking about redecorating our home. Our faux leather couch is shedding fabric. Some legs of our dining table chairs have started to come off and the mattress is not at all pleasant to sleep in. We are looking for decor ideas to cut the renovation cost. This article is the result of the research we did so far.

Who said that you have to spend thousands of dollars when redecorating your house? You don’t have to get depressed each time you think of refurbishing your home since everything seems to be above your finances. All you need are home decorating ideas on a budget.

Tips To Save Money on Dog Food

October 2, 2019 Leave a Comment

Food is an integral part of any animal. Giving your dog quality food is not only a great way to keep it healthy but also to make it respect you as highlighted at https://www.authenticdogs.com/how-to-make-your-dog-respect-you/. Unfortunately, dog food prices can skyrocket and quality always comes with a price.

It is even more expensive if you have 2 or more dogs in your home. While you cannot compromise on the quality of food you are giving to your pet, you can explore some of the best money-saving hacks on dog food.

Why Investors Move to Gold And Silver During Recession

September 30, 2019 Leave a Comment

My retirement portfolio consists of stocks and bonds, primarily because my employer 401k doesn’t have any other option other than those. My IRA account has some investment in GLD (SPDR gold ETF). Later in this post, find the image with last three years performance of this ETF. Gold and silver during recession performs better.

Definitely better than any stocks in my IRA portfolio. As the recession fear grows, this ETF and similar ones would tend to perform even better. People do buy bullion more during or approaching a recession.

Are You Making Too Little From Your Job

September 26, 2019 5 Comments

I stumbled upon a Reddit post today, where the commenter stated that he’s just making $1.5 per hour more than a new hire. We often wonder if we Are making too little from our jobs. Most of us feel we should get more pay, and it’s normal.

In times when companies are running for more profit and more revenue the employees should also run for more pay. Problem is, often we don’t know if we are getting less salary. As a society, we are reluctant to discuss our earnings in front of others. The question that can change lives is left undiscussed. We feel embarrassed to disclose our salary.

One Cent At A Time

4 Ways You Can Avoid Bankruptcy

Develop This 10 Habits to Save More Money

These Tips will Help you to Build your Own Successful Website

First Time Home Buyers: 5 Things that Needs Consideration

Enhance Productivity While Working From Home

4 Tips for Getting the Lowest Life Insurance Rates

Budget-Friendly Decor Ideas to Cut the Renovation Cost

Tips To Save Money on Dog Food

Why Investors Move to Gold And Silver During Recession

Are You Making Too Little From Your Job

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