11 Tips to Maximize Your Car’s Resale Value

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

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

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

Decorating Tips for the Holidays

Decorating Tips for the Holidays

It’s that time of the year once again when our homes take on a shiny and glimmering character! As soon as Halloween is over, many of us start planning what our home would look like this holiday season. Maybe go for the traditional red and green? Perhaps, you want to make it look crisp and clean with white and gold? How about following a theme: candy cane, elves or golden balls everywhere?

The mere prospect of transforming our homes and getting ready for the holidays is fascinating and overwhelming at the same time. It’s a fun way to dress up our […] Read more

11 Tips to Help You Prepare for the Holidays

11 Tips to Help You Prepare for the Holidays

In between parties, gift shopping, and planning your meals, the holidays are the busiest time of the year. The kids get to play outside in the cold. Dads are busy putting up lights and setting up thee tree. Moms might spend more time in the kitchen, whipping up delicious gingerbread cookies, brewing hot chocolate, and preparing the family’s holiday favorites. Certainly, these are events that most families don’t get to do on a daily basis. But the holidays, well, they’re an exception.

You can make the holidays as easy and breezy as possible with some careful and advanced planning. There are […] Read more

How to Give Yourself a Raise This Year

How to Give Yourself a Raise This Year

In a world where we need an income to survive, it is only essential and right to protect our job or business to keep our earnings rolling in. You want to take control of your income in such a way that it becomes adequate, if not more than enough, to cover and sustain your living expenses.

Many of us derive our income out of our jobs and profession. Working some hours each day means you have compensation to expect on your pay schedule. It would be great if your paycheck can put food on the table, pay the bills and afford […] Read more

9 Signs You’re Not Ready for Home Ownership

9 Signs You’re Not Ready for Home Ownership

Owning a property is an important part of living the American Dream. This is one, if not the biggest expense you’ll ever make and it’s rewarding to finally have a house that you can call your own, but don’t forget, home ownership is a huge commitment.

When you decide to buy a home, you’ll need to have a down payment ready and then you’ll have to pay for processing the purchase, a real estate agent, and then cover closing costs. More importantly, you’ll have mortgage payments that you need to pay each month for (roughly) the next three decades of your […] Read more

SMART Goals: Making Achievable Financial Goals

SMART Goals: Making Achievable Financial Goals

Remember the time last year when you were making New Year’s Resolutions? You probably wanted to shed some pounds, re-organize your routine, or take up new hobbies. You may have also thought about making (or saving) more money and jotted down a financial goal or two.

It’s good to wonder about and question your financial goals from time to time. Goals, whether big or small, short-term or long-term, will set you out to the desired financial path. Maybe you wanted to save up enough down payment for a home in two year’s time or start investing that would run all throughout […] Read more

How to Improve Your Credit Score

How to Improve Your Credit Score

Credit has become the most popular payment method. You can buy nearly anything like homes and cars to menial daily things like your morning coffee or lunch. Putting it on tab has become such a common practice that many people don’t even think twice and it’s a habit that’s really hard to shake.

One look at your credit score and lenders will immediately know your financial standing. You need to take good care of your credit score and maintain a high rating so you can continue to enjoy the many perks that come with being a credit holder. However, this takes […] Read more

Ways to Save Money While You Travel

Ways to Save Money While You Travel

We probably could all agree that traveling is both an adventure and therapy. It feels great to explore new places, meet new people, and have new experiences. But a trip, especially a leisurely one at that, can prove to be financially stressful too.

But what if you have a thirsty wanderlust that you just have to quench? What if you truly want to jet off to a new city or country to temporarily get away and you’re itching to explore a new destination? You know you need how to travel without breaking the bank. And here begins your dilemma — how […] Read more