Top 10 Ways to Save Money on Valentine’s Day Gifts

save money on Valentines Day

Valentines Day gifts can be expensive. But, they don’t have to be! You can save money on Valentine’s Day gifts and still make your significant other very happy! You just have to get a little creative on Valentine’s Day gift ideas. Valentine’s Day is an expensive holiday for most people. And, it’s very hard for couples and spouses to save money on Valentine’s Day. According to the National Retail Federation (NRF), expected sales for Valentine’s Day this year are expected to be over $19.7 billion. That’s an increase of over $1.1 billion from last year. The average person planning to spend $146 on candy, cards, gifts, and more which is over a 10% increase from last year and the highest spending total in the 12 years that … Read more

Mistakes to Avoid When Launching a Business

Tax Write Offs

Even with the influx of innovative ways to start a business, not every business will succeed. While every business starts with passion, scaling comes down to one thing: proper financial management. If you’ve been thinking about opening your business, here are five financial mistakes you need to avoid when launching a business. Overspending Getting business off the ground is an investment. So, even if you’re going to be selling exclusively online, you need the right tools to get started launching a business. It’s not uncommon for new business owners to go overboard when setting up shop. From buying a new computer to investing in inventory, things can add up quickly. Unfortunately, without a return on investment, you can go under … Read more

What Is a Bad Credit Loan?

Since loan providers consider people (or companies) with poor credit riskier than other borrowers, having a poor credit score can make it difficult to get a loan, especially one with competitive interest rates.  If your poor credit score is preventing you from qualifying for a personal loan, there are a number of different options available to you. While secured loans may not be available, one option is an unsecured personal or bad credit loan. What Is “Bad Credit”? Bad credit is typically reflected by a low credit score. This tends to be based on historical transactions including late bills and missed payments, in addition to your current financial situation. People might need to take out a loan for many different … Read more

What Does Basic Home Insurance Cover?

Most insurance companies offer basic home insurance. But not everyone knows what this insurance package covers. So it’s only normal to ask, “What does basic home insurance cover?”  To save you the stress of combing through a myriad of information, we’ve put together a comprehensive answer to the question. So, let’s get to it! What Does Basic Home Insurance Cover? Basic home insurance covers fire, explosion and implosion, theft, natural disaster, water leaks, smoke damage, and more that affect the house and its contents. Fire damage constitutes most of the frequent claims, and it’s the only mandatory coverage for all real estate. It’s important to check the exact coverages you’ll be getting on your insurance plan. You don’t want to … Read more

4 Ways Your Home Can Make You Money

Your home is likely the most valuable asset you will own. It’s not just its monetary value that benefits you, but also the security that it brings you. It can also be a way that you can make money, whether you really need it or you just want to make some extra cash. As a valuable asset, it can help you to provide other people with something that they need. There are multiple ways that you could make money from your home, and you can choose something that suits you. Try these ideas for something that fits your goals and lifestyle. Offer It as a Filming Location Your home could be a desirable place to use as a filming location. … Read more

3 Simple Tips for Managing Your Family Finances

Earning and managing your family finances can be highly stressful. Regardless of how much money you are bringing to the table, you must handle your family finances wisely to avoid relationship conflicts and long-term financial challenges. If you are struggling to make ends meet or want to positively impact your family finances, here are three simple tips that you might find useful. Know your current financial status To effectively organize your family finances, you first need to know where you stand financially. Difficult as it may be, you need to sit down with your partner and assess your current situation. Talking about money might be uncomfortable at first, but it is a vital step you need to take to help … Read more