Is your teen expressing interest in looking for their first job? We recently asked on Facebook what your first jobs were, wondering if much has changed since we were kids. It hasn’t, most of the great jobs for teens haven’t changed. I remember what it was like starting my first job. I started on my 16th birthday at a BBQ restaurant and thought it was the coolest job ever! Getting to spend that first paycheck and buy whatever I wanted without having to ask my parents was the coolest feeling in the world! So We wanted to put a list of some great jobs for teens together for you, so you and your teen can look over it together and decided what kind of job would be perfect for them to pursue!Continue reading
Do you ever wonder Why Do You Need an Emergency Fund? It’s easy to wonder if this is important, but also how to make it happen. We have some tried and true reasons and tips here for you to understand more about why an emergency fund is a necessity no matter what your current financial situation may be.
Why do you need an emergency fund (part 1) ?
As some of the readers may have noticed, my regular series “How to thrive and not just survive under $30,000 a year” has not been around for a few weeks. One of the major reasons is because of a hard financial lesson I just learned. Most of the information in my blog posts comes from my own personal experience and doing a lot of research to figure out how to run the “business” that is my family the best I can. I have always been of the opinion that you shouldn’t spend money that isn’t yours (i.e.. credit card debt). Over the years, I have learned that building credit is equally as important as paying your debts. For that reason, we have embraced using credit cards in a controlled way.Continue reading
After sharing with you about my own emergency fund needs, I am now ready to help you learn How To Start Building An Emergency Fund as soon as possible!
Last week I talked about creating an emergency fund and why it is so important. Now let’s talk about how to jump in and get started.
How much should you save? This is an easy, yet highly individual question. Depending on how out of out of debt you already are and what the job market is in your field and area. Generally I would say 3-6 months is a safe bet, but 6-9 is probably best. Take a hard look at your budget and decide what your needs in an emergency savings fund. What could you drop? What would be added in? Now figure out how many months you are saving and start planning! For our family, we have to repay our “emergency” emergency loan from family first, then start in on building a future fund so we aren’t stuck again.
So you’re getting married?? Congratulations! One of the most important things to keep in mind (before you go crazy with wedding details) is to sit down with whoever is helping you pay for the wedding and make out a free printable wedding checklist. This will help you see what it is you can do with your budget. It will also help you set your expectations for your wedding with what you can and can’t do. So I thought I would share with you the free printable wedding checklist I used for my wedding! Enjoy!Continue reading
One of the most important parts of living on less is thinking like a business person. Come up with a business plan for your business. Your family and your life is YOUR business. Treat it that way. The secret is to Plan, Plan, Plan.
If you just got a tax refund and you have been living lean in an effort to get ahead (or simply stay afloat) your first instinct may be to splurge… But, remember when I mentioned the lottery and all of those financial talks? When people first get a large sum of money the first thing they want to do is SPEND. A smart person knows that the first thing you do is stop and THINK. How to build wealth? How can you maximize this money? How can you grow this money? How can you make this money work FOR you? Whether it is $100 or $10,000 the first thing you need to do is make sure that you know where the money that you owe that isn’t yours is at.Continue reading