Millennials Aren’t Using Credits Cards

If you were born sometime in the 80’s and your current age is between the mid-20s to mid-30s, you can call yourself a millennial, or what some people call the Generation Y. According to Deloitte Consulting Group, millennials describe themselves as goal-oriented, realistic, determined, tech-savvy and lifestyle-driven. These are the very same words we can use to describe about millennials and their finances.

According to CNBC Money, millennials are far better at handling their finances than their parents, the baby boomers. This is in line with the survey conducted by Charles Schwab which reveals that millennials are keener to creating a […] Read more

Do You Really Need a Credit Card?

Using a credit card is a matter hot debate for many people. Some would claim that using the credit card could leave users deep into debt which in turn deters them from achieving their financial goals. On the other side, people argue that credit cards help in building the credit history which is instrumental for future financing opportunities like getting a home or new car.

If you don’t own a credit card yet, you might wonder if you need one. The truth is, we all have different stances when it comes to credit cards. And how you determine whether you need […] Read more

Financial Milestones You Need to Hit Before 30

Warren Buffet said, “If you spend money buying things you don’t need, soon you’ll soon have to sell things you need for money.” You may not relate to these words early in your teens, but as you progress through adulthood, you will gain this stark realization. When you were younger, did you say “how I wish I can be an adult already so I can do the things I want?” Well, now that you are, you’ll also realize that being an adult is actually harder.

Living independently as an adult is an exciting and overwhelming phase. By now, you’re probably done […] Read more

How to Stop Living Paycheck to Paycheck

Wouldn’t it be great to never worry about money at all? Unfortunately, this is not real or true for many of us. According to a 2015 survey conducted by the American Psychological Association, money is the top stressor among Americans and has always been since 2007 when the study was first conducted.

But that’s not all. According to a recent survey conducted among America’s financially well-off (those who a net worth of $1 million) and above, they feel that they still need to strive and stay on the treadmill despite their good fortune. The constant hustle is fueled by the desire […] Read more

How to Weatherproof Your Home

Each season brings us different household issues to deal with. When it’s rainy or incredibly cold, your basement could get flooded. During the hot or humid weather, the AC needs to work double time to keep your interiors cool. But many homeowners miss the fact that they need to adequately weatherproof their homes to avoid such awful conditions, which in the long run, could cause more complicated and expensive consequences.

In the same way, when a house is exposed and left unprotected against the ravages of severe weather, it can get flooded which can weaken the structural foundation of the building […] Read more

The Complete Spring Cleaning Guide

Spring cleaning is an old-age tradition. For the past centuries, families would huddle in the confines of their homes as winter rages outside. It’s warm and comfortable inside the house, but humans also had to interact with several things that made the abode dirty. The interiors are lighted by oil lamps that created soot while smoke clung to the walls that discolored them. Without much air, the residents also lived alongside dust, dirt and grime most of the season.

When winter ends and the warm and dry season starts, members of the household would grab their brooms and take out their […] Read more

12 DIY Projects That Boost The Value of Your Home

Several years ago, you were in the market for a new home and fell in love with this one you’re living in now. But the time has come to move on and you’ve decided that this home is not going to be your place of residence for the next years of your life. Selling the house is making more and more sense to you.

But over the years that you’ve lived here, you’ve spent thousands of dollars updating its look and filling it with beautiful things. Some areas have taken quite a beating though, like those worn out hardwood floors and […] Read more

11 Tips to Maximize Your Car’s Resale Value

Most assets appreciate in value over time, but cars are the only one that drops in value the moment you take it off the lot. Most people believe that fueling your vehicle is the biggest expense to owning a car, but the truth is, it is depreciation. The rate of depreciation varies between makes and models but a car typically loses at least 30% of its value on the first three years of ownership and then drops to 50% of depreciation after the car hits its 3 year mark.

Unfortunately, you can’t avoid it. It’s an inevitability all car owners have […] Read more

The Best Time of Year to Buy Anything

Time Your Purchases to Save More Money

Spending is an inevitable part of the modern life. We spend for basic needs like food, shelter, and health care, but we also have a bunch of unnecessary expenses from the latest tech, fancy clothing, and home electronics.

The truth is that prices fluctuate through the entire year based on supply and demand. Sales cycles may help you figure out when prices start to drop or go up, but there are also specific points on the calendar when you’d be able to rake in even better deals.

We can stop second-guessing when is the best time […] Read more

Best Gifts For Under $100

With the holidays fast approaching, you’re probably making a list and checking it twice. The holiday season is synonymous with gift giving, and hopefully receiving too! In many cultures, gift-giving is an ingrained custom during the holidays. This sweet gesture has remained up until this day, and is sure to spark the feelings of love and appreciation towards one another.

But what should you buy for gifts?

Sure, there are no hard and fast rules when it comes to gift-giving, but there are also some things you need to keep in mind. How much is your budget and how close are you […] Read more