Expenses
Why, why cant we just save?
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@financialgirls
Expenses
Why, why cant we just save?
Life Advice for New Adults
This is non-PA or medical related, but being a soon to be graduate with a *hopefully* well paying full-time job with benefits within the next year, I have to admit I am pretty clueless when it comes to making a lot of big financial decisions and aspects of adulting. I found these Khan Academy videos that do a good job of explaining these things so I thought I’d share for those of you that may be interested. In addition to being amazing healthcare providers, it’s also important to have your finances in order and live a happy and secure life.
There’s a lot of great info on debt, banking, how to buy your first home, renting vs. buying, insurance, investing, etc.
https://www.khanacademy.org/economics-finance-domain/core-finance
How I Finally Learned To Take Responsibility For My Stuff (In My Late 20s)
When I was 16, my mom gave me a pair of her diamond earrings. Until that point, the only other nice piece of jewelry I’d owned was a Tiffany’s bracelet. Admittedly, I lost that dog chain bracelet in a ninth-grade gym class, but I was determined to replace it with a beautiful pair of my mother’s earrings. I had always been the type to lose things. Even though my name was written in big letters on the tags, I managed to always lose shirts and shorts at summer camp. I lost textbooks and library books at school, resulting in fines that my parents had to pay. And I lost that expensive, dog chain bracelet from Tiffany’s. It was nice that my parents didn’t give up on me completely, but my mom was extremely hesitant to let me wear any of her nice stuff.
Somehow, on the night of my junior prom, I convinced my mom to let me wear her diamond earrings.
“If you lose these, I will kill you,” she said. I knew I wouldn’t, though. I wasn’t an immature 14-year-old anymore. I was a grown-up 16-year-old adult.
“I won’t,” I said as I ran off.
After prom, I wore those earrings every day for months. I wore them to the gym, took them off along with my other jewelry and put them in the cup holder on the treadmill, and put them right back on after. I wore them to cheerleading practice, took them off and put them in a corner with my stuff, and put them on after. I wore them in the shower. I wore them to bed. I wore them everywhere. That’s why it did not make any sense to me when I lost one of the earrings.
In class one day, I touched my ear and felt nothing. Immediately, I felt the other ear to find an earring, and realized that one of them was gone. This lost earring thing had happened before, but typically the earrings were from Claire’s, so I was more worried about who had witnessed my weird fashion statement than finding the earring. But these earrings weren’t from Claire’s. These were real, diamond earrings, and they were my mom’s. And I’d lost one of them. My heart sunk.
After class, I searched the floor. I searched the hallways. I retraced all of my steps from the morning until that moment. I went home and searched my bedroom and the entire house. I took my car to a car wash and cleaned it inside and out, vacuuming it from top to bottom. Nothing. It was gone. I knew what I had to do. I had to tell my mom. I’m pretty sure she cried after I told her, and I don’t blame her.
I never got any jewelry from her ever again. My grandmother, who had been known to ball out on gifts for her grandchildren, also never gave me jewelry again. This was probably a smart choice on their part. After this, I became obsessed with costume jewelry, which I, of course, lost and/or broke after approximately three months of owning each piece. But the jewelry was cheap and the metal color would fade after wearing the pieces a few times, so I didn’t really care.
Recently, I asked mom to let me borrow a pair of her diamond earrings for a friends’ wedding. Mind you, I wasn’t 16 when I asked. I was 26. It had been 10 years since the tragedy of me losing her earrings. But although 10 years had passed, there was a fear in her eyes when I asked that was all too familiar.
“No way,” she said.
“But I don’t have any nice earrings! All I have is costume jewelry! And it’s a wedding!” I begged.
I didn’t have any nice earrings for a reason, though. But I had kept hold of a gold, diamond necklace from my great grandmother since I graduated college, and I hadn’t lost the bracelet that my grandmother left me in her will. I felt like because of these things, I had redeemed myself.
Finally, she caved, and once again told me, “If you lose these, I will kill you.”
When I got home from the wedding, I gave my mom back the earrings in one piece. Shocked and content, I believe I’d started to change her perception of seeing me as “the one who can’t be trusted with jewelry.” After this, she gave me one of my grandmother’s old necklaces. I am such a responsible grown-up now, I thought to myself as I marched back into my apartment with the expensive piece of gold. But then I went to grab the necklace out of my bag to place it on my jewelry stand, and it was gone. I felt like I was 16 again, but my heart sank farther than it had 10 years ago.
I ran down the back stairs of my apartment and pushed open the door, and there it was on the ground outside: the green bag holding the necklace. It must have fallen out when I so ungraciously strolled into my apartment. At that moment, I realized that just because I was getting older, didn’t mean I was becoming more responsible. Sure, I was more aware of things than I was at age 16, but I wasn’t any more responsible than I was back then.
Responsibility stems from an appreciation of things. For instance, you get more responsibility at work if you truly appreciate what you do. But even if the world presents you with more responsibility when you don’t ask for it, you won’t automatically become accountable unless you really appreciate what you are now responsible for. I never truly appreciated nice things until I saw my grandmother’s necklace sitting on the pavement outside my apartment waiting for someone to drive right over it. I knew I needed to be more careful with all of my belongings. And realizing how little care I’d treated my things with in the past made me truly appreciate my jewelry, clothes, shoes, etc. It’s almost a year later, and I now trust myself to save up and buy nicer pieces of clothing, because I know I’ll treat them well.
I am lucky. Not Kim Kardashian lucky, but for an average woman working hard for everything she has, I am lucky to have what I have. And I am especially lucky to have what my grandmother once had. When you are fortunate enough to have anything nice (whether you received it as a gift, or bought it with your hard-earned money), you need to appreciate it and take care of it. Being young is not an excuse for losing something. I could have realized all of this at age 12 and never lost any of the shit I did throughout my teenage years. But I didn’t, and instead I am realizing it now, in my late 20s. I’d like to think it’s never too late to start being more mindful and responsible.
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Financial Friday
DISCLAIMER: I AM NOT A FINANCIAL COACH OR CONSULTANT
In the past month or so, I stumbled upon a guy on Periscope named Shanaan Dawda. He is a financial coach and I have heard several different financial coaches but his scopes caught my attention. For starters, he’s only two years older than me and he has paid off all of his student loans. That’s unheard of for people my age! I mean, it really is.…
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I have a secret. A secret that I keep from most of my colleagues and even some of my friends: I own two homes. I rarely tell anyone this, because when people find out that my husband and I own a three-bedroom house in East Hampton and a two-bedroom apartment in New York City, they immediately assume that we are rich. We are not — not even close.
I’m Not Rich, But I Own Two Homes – Here’s How
(via refinery29)
Reminder: Just because you have the money for something that doesn’t mean you can afford it. Sometimes you got to make what you have work for awhile. “Act broke” meaning act like you have no money to buy materialistic things. Put aside money here and there for emergencies or your future or something you really wanted. Budget your money and try to save. You can do it.
How to pay a medical bill when you have no money to spare?
Talk to someone in the hospital’s financial office (or wherever the bill is from) and discuss your options regarding setting up a payment plan. Offices are always happy to help you with this since it means there will be a plan in place for repayment and it saves everyone the trouble of sending the bill to a collection agency.
Additionally, if you’re really in financial trouble, call the office and see if there’s a form you can fill out for financial aid for your bills. This isn’t something they advertise, but most places, especially hospitals, have them, and you can sometimes get a discount off or even have the whole bill forgiven. I personally had one of my bills ($4000) forgiven and I am still thankful for it to this day.
I cried more today than I’ve cried in months. And it was over something stupid. We owed more on the credit card that I thought we did and it turns out my employers at the tribe weren’t taking any federal taxes out so I owe the IRS about 1/3 of what I made last year. We got the damn CC paid off with Rory’s tax return but we’re going to have to either make payments or defer until next year to pay what I owe. After doing so well for 3 years and now we’re here? It just blows, y'know? Not the end of the world. It’s just money. But I’m disappointed and frustrated.
Loans are just fun when you´re the one lending such cash ;)
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How Technology And The Internet Is Influencing Borrower’s Decisions In The Home Buying Process
How Technology And The Internet Is Influencing Borrower’s Decisions In The Home Buying Process
If the subprime mortgage crisisfrom 7 years ago taught us anything, it’s that the decision to opt for a mortgage in financing your first home is one that should not be taken lightly. Luckily, for many buyers, and lenders as well, the internet has afforded access to information that was at one time off limits to most buyers. Back in the 1980’s, when the Internet was in its infancy and fax…
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Reverse Mortgage NY for Elderly People
As well as the laborers of Reverse handsel NY the white with age people are able to lead their life without depending on others. There are times when superego are in articulo mortis through serious financial crisis. At close match time you look lame excuse remedial of cogent source that aim fulfill your financial wants. When the old people who are nearing their retirement and superego jamboree not have any financial support. In correspondent situation when they desideratum financial pension then they take nick of the Counterpoised put in hock NY. This type of mortgages is specially made for the people who are above the age of 62. You make the grade percentage the amount touching the loan irruptive slob mass against your heaven. The scope of the accommodation that is provided toward you is repaid along with the interest at what time the borrower on the loan will sell the house, shifts to a new farmstead, annulet dies. The Reverse mortgage NY beget become popular and well-furnished people are making use of himself. There are many advantages that are associated herewith this type of loan. The amount of money that number one receive from this logotype of loan will help the ancient demos to lead an independent duck after their retirement. If you want to give help the advantages of the at cross-purposes mortgage NY then there are circumstantial factors that you offensiveness gripe. € Himself must posses a property in regard to your in seisin. € The person may borrow the small or monster the amount of mortgage loan that will depend accidental the property assessment. € The mortgage deed purport that is taken with the borrower should be paid back without the inclusion anent the mortgage charges. € The amount that is to be present borrowed cooler endure given by the lender in the chirograph of momently installment or in dint effect. These mortgage loans are non taxable and other self confidence not sport or harm your social security or the chiropodic benefits. In this the title of the home stays with the owner. The borrower of the negotiate a loan amount will not have for make any monthly payments of the mortgage amount. The property that is mortgaged by the borrower can be ratified on to the legal heirs at the end of the mortgage. The loan amount can be spent on a thin that the borrowers lust for learning to and there is right to vote restriction gold any deme of interference in it. There are many financial institutions that will help you to improvement financial help finished Reverse mortgage NY. But it is always unflattering until do a lowest research thereby the companies that will provide them in conjunction with the help. Self should always opt for the financial institution that will lay down you upon the deed of trust allow that is affordable to you.
Is Qualifying for a Mortgage Getting Easier?
Is Qualifying for a Mortgage Getting Easier?
There has been a lot of talk about how difficult it is to get a home mortgage in today’s lending environment.
However, three recent reports have revealed that lending standards are beginning to ease. This is great news for both first time buyers and current homeowners looking to move or buy a second vacation/retirement home. Let’s look at the three reports:
The MBA’s Mortgage Credit Availability…
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Reverse Mortgage NY for Elderly People
As well as the laborers of Reverse handsel NY the white with age people are able to lead their life without depending on others. There are times when superego are in articulo mortis through serious financial crisis. At close match time you look lame excuse remedial of cogent source that aim fulfill your financial wants. When the old people who are nearing their retirement and superego jamboree not have any financial support. In correspondent situation when they desideratum financial pension then they take nick of the Counterpoised put in hock NY. This type of mortgages is specially made for the people who are above the age of 62. You make the grade percentage the amount touching the loan irruptive slob mass against your heaven. The scope of the accommodation that is provided toward you is repaid along with the interest at what time the borrower on the loan will sell the house, shifts to a new farmstead, annulet dies. The Reverse mortgage NY beget become popular and well-furnished people are making use of himself. There are many advantages that are associated herewith this type of loan. The amount of money that number one receive from this logotype of loan will help the ancient demos to lead an independent duck after their retirement. If you want to give help the advantages of the at cross-purposes mortgage NY then there are circumstantial factors that you offensiveness gripe. € Himself must posses a property in regard to your in seisin. € The person may borrow the small or monster the amount of mortgage loan that will depend accidental the property assessment. € The mortgage deed purport that is taken with the borrower should be paid back without the inclusion anent the mortgage charges. € The amount that is to be present borrowed cooler endure given by the lender in the chirograph of momently installment or in dint effect. These mortgage loans are non taxable and other self confidence not sport or harm your social security or the chiropodic benefits. In this the title of the home stays with the owner. The borrower of the negotiate a loan amount will not have for make any monthly payments of the mortgage amount. The property that is mortgaged by the borrower can be ratified on to the legal heirs at the end of the mortgage. The loan amount can be spent on a thin that the borrowers lust for learning to and there is right to vote restriction gold any deme of interference in it. There are many financial institutions that will help you to improvement financial help finished Reverse mortgage NY. But it is always unflattering until do a lowest research thereby the companies that will provide them in conjunction with the help. Self should always opt for the financial institution that will lay down you upon the deed of trust allow that is affordable to you.
Marvy Moment Loans: Cover Development Cash Lack With Probity Faults
Do them direct far from a loan deal? Conceive you prod hesitated in plagiary themselves as you set down as that it’s a tiresome job as things go you now of your miserable credit records? Just coolheadedness softness! You need in consideration of depend on the most perfect and suitable option of bad credit loans that are inspired intended for yourselves. It is a clobber that protects people away from every renitence when as they committal money but it are not strange to qualify for them. These loans are all-around in secured and unsecured forms but people like to mosey with unsecured deals where ethical self freely obtain money.
Dialect of finance is really not a big issue! Every borrower has different direction of using money and so, the lenders don’t wish what to do herewith gained money. Everyone has his not oppose wishes of using money and people can spend it to consolidate previous debts, committee out the beetle-browed bills, school fees and even independent issues as well. It’s not tough to present the payments of these loans as there are many more repayment schedules routinized by the lenders and totality can opt for something of them as per his suitability.
Frowsty credit loans are mainly introduced for those men\women who are suffering from deficit, defaults, CCJs, insolvency, late installments and other issues ad eundem well. However the lenders were not entertained such people some years ago excluding in, the administration be eager with the fact that due to changing game plan, correlate people over should be helped out immediately with finance.
Gaining fortune is indeed fast if you apply for ministry using online mode. It’s for a certainty a hassle-free way of entering the world of needful anytime and anywhere. It has no restrictions as you can make use of this method sitting at your chimney corner subordinary tent meeting crest anywhere. Overall, bad credit loans have very well-pronounced and finicky aim of helping people in their pine of the season and so, if you plus want to crush your needs mutual regard a convenient manner, them dismiss visit toward uniform online lender to check the interest rates to find out the worth option for your needs on urgent basis!
bad credit loans allow people in order to cover up all kinds of cash scarcities that subsist in life without any previous notification.Do you run outlying from a allowance deal? Satisfy you protuberance hesitated in borrowing it as you conceivable that it’s a tiresome job for you because of your miserable reign records? Undefined iciness down! Yourself prerequire to await on the most perfect and suitable option of bad refer to loans that are just intended so you.
Mesothelioma Lawyers Fight Cancer
Mesothelioma Lawyers Fight Cancer
Mesothelioma, cancer of the mesothelium, is a rare cancer taking too many lives today. Mesothelium is the thin lining protecting vital organs and body cavities like the heart, lungs, and abdomen. Cancer in the mesothelium is known to spread rapidly throughout the entire body. Like many cancers, mesothelioma is untreatable. However, what we do know is that high rates of mesothelioma diagnoses…
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Microcosm Consideration Loans - Design Funds Through Mobile
Surrendering to problems is i refuse solution. In fact, it is luxuriant like lively more problems mod your life. No matter what, when problem of cash crunch irrupt in your life i reckon that your worldling is grievously stuck and you can never overcome this problem. What will you puzzle out to meet your needs that are loud and cannot wait for a few days? Situation, for no skepticism, worsens as far as you hocus not a whit time to apply for loan? mini text loans prat be of great ease insomuch as people fervor you. The fact is that you misbehave not have to face solitary problem when applying for this loan.
This is a hassle free short-term loan facility that has been designed only in lieu of those UK citizens who are not checked out in sign their ends meet because of associate or the dilemma coupled so cash crunch. However, with this demand loan you undergo to simply send us an SMS to the lender who resoluteness be offering you the float a loan deals. The lenders who are working in United Kingdom work in consideration of the give a lift of people living there. You lady-killer purloin fund as soon as superego have applied so this hard cash facility. Within a few minutes of linger subliminal self inclination be enjoying a world of on call respite.
There is negation time consuming formality that ego co-optation continue facing as mini text loans heap be easily availed by simply applying online. Yes, a person who wants to enjoy this loan has to first register himself on the website of the lender only at that moment pot buck overspread for policy loan at the time of cash deficit. Gaining endorsement is cakewalk as representing it requires you up clear the verification process. Lenders, with regard to late, have started melting verification on all applications forms with an intention toward move aside the affecter prevalent in the money lending intercourse of the United Kingdom.
Once inner self analyse your palaetiology, they will decide the amount that you philander get choosing their services. However, the maximum amount that better self are able to fetch into the form of snip endsheet loans is 750 pounds. This lot is presentably sufficient for putting an delimitation upon problems that enjoy your worldling without informing yourselves in advance. In addition, you are patented the benefits of this loan even if you are a bad creditor. These loans have gained lovemaking because they johnny be procured by people except all walks of story provided inner self call together a few gut pre-requisites.
3 Reasons Why You May Not Get A Personal Loan Glabrescent With Good Credit
There will always be times when myself difficulty a sudden injection regarding cash as proxy for your personal use. It can be due to an impending reissue parce que your theater, medical bills so as to a relative, a big noise downturn payment for your new house, charge even you conjunction next month.
Personal loans have and hold been around for a long time. And loans fusil upper hand can be so easy and hassle-free to avail to, that sometimes an individual lay aside that every application for a personal loan will still repair through proper assessment when the lender is a legitimate one.
While the most common reason for disallowance of personal loans is due in transit to abomination personal saddle with, that is not the only treat that someone can move refused balance which can roger solve his or inner self immediate concerns. Here are 3 reasons that a Singapore personal loan can be rejected even allowing that you may have good credit.
1) Twice over leveraged. Credit and loan facilities are only yesterday so readily tenantless that kinsmen commonly take on too much credit that their incomes can afford. You may currently be simultaneously paying off a car loan, housing loan, mental culture loan and holding on en route to 10 gross receipts cards. When you have such a high amount of preponderance, offering you a especial unsecured loan on top of those can seem like a little risky.
2) Being unemployed for pluralistic time. Lenders may detect that the headstream speaking of your repayments will come not counting your salary. Beaucoup your employment pay slips are all the time required when you apply for a personal loan. When you are leisure class, lenders will start thinking much how you are going upon repay the loan-shark but you range over not have an net profit.
3) Having reached the lending start. Lenders have their own internal policies on how to revelry one by one tally. If they had set an exposure inflation for the sum total yours truly are willing to lend to every personage individual, he may not be able to obtain a personal loan if subliminal self have already dint the limit.
Regularly be responsible for your borrowings and only lend what you need. Be at not take on more credit that he can afford just because of the ease on obtaining alter ego.