A Personal finance blog for saving money and earning more and thus having a better life
This is a guest post from one of the readers, who wants to be anonymous.
Having a good credit score wasn’t always on the top of my priority list when I was in my early 20s. I never had an immaculate score, but it also wasn’t too shabby. I could have access to almost any type of financing: credit cards, car loans, and even a mortgage. I always paid my bills on time but I typically carried over some of the balance to the next month.
Have you ever wondered if your mechanic is taking advantage of you? Do you ever get the suspicion that you’re paying too much for your auto repairs? If you ever have these thoughts, you’re not alone. There are repairs that you are most likely overcharged for.
Until recently, whenever I got my car repaired I felt I was overcharged. When I talked to my colleagues about it, it became clear that I was looted. Even after trying a lot of ways they suggested, nothing seemed working at first. It took time to get accustomed to getting price quotes and reading online forums. Now things started getting better and better. Not only I can now do many repairs myself but also, I seem to be satisfied with the money I pay when I get it repaired by a mechanic.
Anybody can earn passive income, you don’t need to find time to generate a passive income. You just invest your money or time and then sit back, relax and reap the profits from your investment. The best part is you can keep your day job, you can continue to do the work you want to do while in the background the passive income machine generates revenue for you.
Don’t you feel excited? Don’t you want to generate some passive income in future? I am sure you do and that’s why I wrote this article full of ideas that are most common and very practical. I know at least one person in my real life who earn money by the ideas I presented.
Some folks get into financial troubles because of a sharp unexpected drop in their income – sudden job loss, demotions, business troubles, or even a crash in the stock markets could put people in financial troubles. More so, people could run into financial troubles because of a sudden increase in their expenses. The arrival of a new child, a medical emergency, and divorce among other things could put a strain on finances.
Sadly, financial troubles when not quickly addressed often have an adverse effect on a person’s credit score. Hence, many people find it hard to overcome their financial troubles because they are caught in the vicious cycle of financial troubles and a bad credit score.
Caring for a child is the most rewarding thing that has ever happened to me. It might have drained my family’s savings yet it has filled us with so much love. It is said that the best things in life are those that are free, yet caring for a baby isn’t cheap. So unless you are living somewhere in a far-flung jungle, no matter how much you had saved up, budgeting will always be a struggle.
Shopping for a baby is physically daunting and is equally draining to the wallet. Unless you have deep pockets or have a frugal friend who can guide you, you’ll need a bit of help and advice somewhere. It is unwise to wallow in debt and worry so let me help you based on my personal experience. Been there, done that; budgeting isn’t easy. Yet with a little bit of planning and some wise choices along the way, you can balance your expenses and have one less thing to worry.
When you first anticipate the reality of wanting to become a homeowner, it will also be the time when you get serious about where your credit card stands.
Consumers that tend to pre-plan for all things financial should recognize the importance of getting the financial house in order, including attention to their credit scores. However, that is not always the case with perspective homeowners and as a result they end up losing thousands or hundreds of thousands of dollars over the lifetime of a loan.
Importance of Advanced Planning For those who are not advanced planners, getting approved for a mortgage may prove more difficult than initially thought. Mortgage lenders in today’s economy expect a lot more from borrowers than they have in the past decade. Lending requirements are much stricter and borrowers will need to be prepared to meet these expectations.
Everyone needs pampering, and everyone likes to feel appreciated. After 7 years of marriage, every once in awhile I take SMB, my wife, for granted (especially since I started blogging). I thought she accepted me putting numerous evening and weekend hours into blogging. But, she didn’t, she thinks OCAAT is my second wife!
Also, my frugal ways don’t really match with hers. We were raised in contrasting lifestyles – I never had plenty of things in my life, whereas she got whatever she wanted. We know that marriage is a bond of love with mutual compromise, which keeps the bond.
If you don’t like the thought of rushing to work at a particular hour every day or working for a company on a full-time basis, then this could be a very interesting read for you.
With just a computer and an internet connection, you can connect to various employment opportunities in under a few hours. The best part about this type of work is you can earn your income at your preferred work hours and in the comfort of your home.
When choosing a moving company, it is best to check their reputation first. Hiring a moving company with a great reputation will save you money and time.
How do you choose whom to trust with your worldly belongings?
Asking the right questions will help you to uncover a wealth of knowledge that you would otherwise not know about. Here are some questions that you need to ask movers before hiring them:
The most preferred options for financial aid when it comes to meeting times of financial crunch are personal loans. Today, getting a personal loan is as easy as it can get. But at times, a personal loan may also mean a huge block of financial obligations if approached wrongly whilst getting one.
It is always better to exercise some caution and do some due diligence before signing on the dotted lines. Here are some of the common personal loans related pieces of advice for you: