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Money & Finance, Sponsored, Style & Beauty

Use Groupon For Budget-Friendly Beauty Services

Disclosure: This content is sponsored and all opinions are mine.

Whether my funds are plentiful or on the low end, I can never compromise my hair and beauty regimen. I pretty much style my own hair from start to finish, but I go to a local salon to have my manicure and pedicure done every other week. I also use those visits to have my eyebrows waxed. Sometimes I leave the salon without paying more than $30 and other times I’m not so lucky.  Continue Reading

Money & Finance, Sponsored

Groupon Offers Coupons For Use At Your Favorite Retailers

Disclaimer: This post is sponsored by Groupon Coupons. All opinions are mine.

The older I become, the more concerned I am with saving as much money as I can. If you asked my mom to describe my money habits, she’d say that I’m cheap. I prefer to say that I’m frugal. :) Whichever term you’d prefer to use, if you aren’t using Groupon Coupons to help you save, you should be.

When you hear Groupon, you’re probably thinking that using it is limited to international and destination vacations or for experiences like waxing or trying a new fitness class and you’re sorta kinda right. Groupon is definitely the place to look for special discounts and offers on those things BUT it’s not limited to just that.

Groupon also offers coupons for use at some of your favorite retailers like JCPenneyRue21, Kohl’s and more.

There are literally thousands of deals on Groupon Coupons and you can search them by store or based on your location. You can also choose whether to redeem the coupon online or in-store. Some of the deals I found include:

  • Free $5 gift card at Target
  • Free shipping, no minimum at Forever 21
  • Up to 50% off at Bath & Body Works

If you’re looking to save money, please check out Groupon Coupons. You won’t regret it, trust me! You can follow Groupon on Facebook and Twitter as well.

Lifestyle, Money & Finance, Sponsored

Are You Ready For Retirement? Here’s How To Prepare Financially

Retirement is not a nice thought. Okay, maybe other people may think that not working again is a good thing, but you know different. Retirement means you have to keep occupied and entertained, and it also means you have to keep financially stable. Once you retire, there is no way of earning money, apart from your pension.

Some people have more wealth than others, and they don’t have to worry about the prospect of retiring. You, on the other hand, may not be as lucky. If you think you might struggle financially, you need to take a look at the tips below.

 

Turn Savings Into Income

The best piece of retirement advice is to have a steady flow of income coming into your bank account on a regular basis. Then, you don’t have to worry about having to budget your money for the long haul because you can live your life like normal. So, how do you turn savings into income? Start by getting your private pension paid into your account at the start of every month instead of being paid in one lump sum. Also, if you have investments in property, rent it out so that the rent acts like a monthly wage.

 

Apply For Grants

The government will not advertise it, but there are grants for people who hit retirement age and you may be eligible. To find out, you need to go on the Internet and do a bit of research. For example, if you cannot afford to pay your energy bills, the government will subsidize them for you so that you don’t freeze during the winter. They do it for a whole range of situations, which is why you should check them out as soon as possible.

 

Pay Off Any Existing Debts

Unfortunately, debts do not disappear once you retire – they stay with you until you pay them off or die. And no, that is not an over exaggeration. Obviously, without a solid income, it is going to be very hard to pay off the debts once you finish your job. The only option, then, is to pay off your debts before you retire. The last thing you want for the bank to take your home or personal possessions as collateral because you couldn’t keep up with the repayments.

 

Make A Budget

Money is going to be tight, and you cannot afford to splash the cash like you could in a previous life. In retirement, you have to be more frugal with your expenses. Luckily, there is an easy way to budget your cash – make a financial plan. A weekly or monthly plan accounts for all your money and all of your expenditures, so there should be no surprises in the future.

 

Invest Before It Is Too Late

The time to invest is now. If you see an opportunity that you like, and won’t wipe you out financially, take a shot. A good investment could set you up for life, so grab it with both hands.

Image credit: American Advisors Group

Money & Finance

Report: Whites Have 12 Times The Wealth Of Blacks, 10 Times The Wealth Of Hispanics

A new report by the Urban Institute revealed some pretty sobering news about wealth inequality in America.

According to the report, in the past 50 years wealth inequality has not improved and it’s only getting worse. In 2013, the typical White family accumulated over $134,200 in wealth while Hispanic families accumulated $13, 700 and Black families accumulated $11,000.

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It’s important to distinguish wealth from income. Income is money coming into a family while wealth is the family’s assets (for example: savings, real estate, businesses minus debt). The data gathered by Urban Institute shows that families of color, who will eventually become the majority, lag in building wealth.

There are a few reasons that Blacks and Hispanics are slower to build wealth including income inequality and the fact that Blacks and Hispanics are less likely to be homeowners or participate in retirement accounts.

Read the full report here.

Sources: CNN Money, Urban Institute