Conventional wisdom tells us, “neither a borrower, nor a lender, be.” Conventional wisdom never met the coronavirus. In one way or another, it has made conventional fools of us all. We are in the process of rewriting the rulebook. Savings accounts, retirement investments, college funds - these are the artifacts of prosperity. They are rather less meaningful when scrounging for one’s next meal. The number of delinquent mortgages is five times higher than it was at the beginning of 2020. Despite … [Read more...]
Choosing a Financial Provider: 5 Factors To Consider
If you have a good idea, it will play a vital role if you want to be a successful entrepreneur. An idea is not the only thing you need; other things also play a part in success. However, capital is also an essential factor before venturing into the great idea. Unless you have a way to self-fund the project, then you need to secure a loan. If so, do you know how to choose a loan provider that meets your objectives? It is overwhelming to look for a business loan provider. It feels confusing and … [Read more...]
An Interview with a Western Cheapskate
Q: It’s nice to sit down with cheapskates -- er, I mean, abstemious people - from other parts of the country. Randy, welcome to the interview. A: You can call me a cheapskate. You can call me a tightfisted, penny-pinching, miserly S.O.B., but don’t call me late for dinner! Q: Somebody’s been reading their thesaurus! Tell us, how are the current events affecting your finances out there in the Wild West? A: You know… practicing frugality is more or less getting us through it. I like to say that 18 … [Read more...]
An Emergency Fund is More Important than Ever
In the past several weeks, the number of cases of COVID-19 in the United States has risen dramatically. As a result, local, state, and federal officials are frequently updating guidelines as they determine what has to happen to help keep Americans safe. Good hygiene, such as frequent handwashing, is necessary to help protect against the virus. This is good advice, but another critical step to limit the virus’s spread is social distancing. This means staying away from other people. That could … [Read more...]
Does Your State Really Make an Impact on Your College Debt?
College debt is a hot topic right now, and for good reason. Many people get out of college with tens of thousands of dollars in debt, and if you can avoid it, you definitely want to take the steps necessary to do so. Although you’ve probably thought about location when discussing your future college, you might not have thought about a state’s bearings on your eventual debt. But astonishingly enough, your state might make a significant impact. Check out this state-by-state analysis to get the … [Read more...]
Easy Ways to Increase your Income in 2019
There are a lot of different steps involved in achieving financial freedom. You need a budget to help you track your incoming and outgoing expenses. You'll also need a strategy for how you're going to save cash towards your future, and the goals you want to achieve in the short-term. However, one of the most essential things of all is making sure that you're getting the most out of your income. Your income is the biggest contributing factor in whether you live a simple life free from financial … [Read more...]
How You Can Avoid Going Broke
While it may be a common practice to live paycheck to paycheck, that doesn’t mean that it should be accepted. In the age where cash continues to fade away and swiping is the norm, it can be easy to rack up debt with no end in sight. By making a few adjustments you can improve your finances, and most importantly, avoid going broke that can set you back not only now, but sacrificing your future when you are finally ready to walk away from work and will need every dollar. Build an Emergency Fund A … [Read more...]
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