A Personal finance blog for saving money and earning more and thus having a better life
In our non-stop competitive world, taking a vacation is a significantly underrated activity. Obviously, working is important. Not only does a job give you the means to pay for the essentials, but it also provides structure to everyday life and creates a sense of meaning and purpose.
Despite the importance of work, it is often far too easy to work too hard and too long without taking a vacation. The importance of heading to the best vacation spots cannot be stressed enough.
Expensive emergencies are never fun, but for most people, they are simply a part of life. They can be as unexpected as anything else in life and can become a huge cause of stress and anxiety when you simply do not have the cash to pay for them.
If you are like many Americans, you may consider taking out a personal loan in order to cover the expenses that come with unexpected emergencies.
If you have a great credit score and credit history, you will be able to qualify for a number of traditional loans. If you do not have great credit, or simply lack the credit history to prove that you are a responsible borrower, however, you could find yourself struggling to qualify for many different types of loans.
About this Post: The following post is from guest poster Rishit Shah, who completed his Chartered Accounting degree (equivalent to CPA in the USA) entire with his blog income. Enjoy the post, it has some good lessons for all of us.
In my final level of Chartered Accountancy (CA), I was interning at a CA firm and that is where I learned Tally.
I learned Tally from a Chartered Accountant. When I talked to my friends about it, they were surprised because they didn’t know anything about it.
There are many reasons that people fall into debt. It could be a job loss, a sudden illness or the mishandling of money. Unfortunately, once you get overwhelmed with your debt it can become difficult to make your monthly payments on time.
What usually follows are a few late payments and then a few missed payments. This can present quite a challenge to restore your good name. The potential cost of having bad credit can be huge unless you follow these steps to recover from bad credit.
It may not be the first idea that pops into your head when you think of “side hustle” but selling unused printer toner cartridges can be a lucrative way to supplement your income even if you have a stable day job with some time in hand, or, you go to school.
Printer toner cartridges are currently sold in most brick and mortar office supply retailers as well as online. What you don’t know is that the secondary market for buying and selling printer toner is booming! And there are so many places where you can source your unused printer toner.
Knowing how a workers’ comp settlement will work can help make the whole process less intimidating. It can also help you see how far along in the process you are, if there are any questions you would like to ask your lawyer or attorney, and help you know your rights and what is “normal” in these kinds of cases.
By claiming workers compensation, or just being eligible to do so, you’re joining roughly 3 million others who have done or will do the same this year.
Most students have to operate on a tight budget. Whether you are learning on a grant or you are being g sponsored by your parents, it is common for students to lack money. I remember my student days, where we were on a tight budget almost the whole of student life. We used to live out of noodles on days when the dorm kitchen was closed for some reason. We used to pool money for buying books and supplies.
I studied in India we had subsidized education there. I didn’t have to take a loan to study tuition was negligible, all we had to pay for was the living expenses. But still, as my father was retired I didn’t have any other choice but to make every penny count. Now my nephew just got into a grad school. He’s studying in the USA, he got all the scholarships available for him. But still, the loan was not small.
Society appears to present us with fixed rules that we must follow. Some are immutable laws that will never change. Time will move forward and gravity will pull us down to Earth. Others are governing laws—if you steal you will be punished.
Finally, there are customs. Unlike gravity, these customs can be influenced, generally by those with the most to gain. This can take years or even decades and eventually it feels like it has always been this way. Which is how we arrive at rules such as engagement rings are deserved and must have a large, sparkly diamond, preferably a carat or more, and cost a lot of money.
A perfect fifth is an interval in music and nature that many people believe is the basis of all harmony. Even the amateur ear can recognize the familiar, pleasing sound of the violin, which has strings tuned in fifths. Even primitive musical systems are based on a perfect fifth, and ancient as well as modern health enthusiasts tune in to how humans respond positively to this resonance found in nature.
Now there is a financial system that taps into this building block of our world. A Perfect Fifth app places you in a group of five people who are committed to saving and investing together.
My Sister lives in London. My parents live in India and I am here in the USA. Different countries, different financial systems, and regulators. But some things are common. There are some tax-advantaged retirement accounts where employers can contribute and there is another form of retirement savings where you can contribute from your savings.
In the USA, they are known as 401k and IRA. In India, they are the Provident Fund and Public Provident Fund and in the UK they are pension funds and ISA (Individual Savings Account). Here we will talk about the UK, as the rules of contribution and withdrawal to these funds are different in different countries.