Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
Apprenticeships have been around for as long as skilled trades. Traditionally, apprenticeships have been geared toward fields like mechanics, construction, electrical, and engineering, all of which require hands-on training. In the face of skyrocketing unemployment and student loan debt, this fact may be changing for good.
The United States is surprisingly behind the trend toward apprenticeship-based training in expanded fields as European countries like Germany and the U.K. are already way ahead in the game.
So why has it taken so long for the U.S. to jump on the apprenticeship bandwagon? The biggest reason, in my opinion, is the cultural value placed on 4-year degrees from a traditional college or university.
Are you thinking of buying a house sometime soon? Or how about refinancing your student loans? If you’re thinking of doing either, there’s a number you should know aside from the all-important credit score.
It’s your debt-to-income ratio, and it could get in the way of you being able to buy your first home, or refinance your student loans. How?
Your debt-to-income ratio is used in a variety of situations to determine your level of risk as a borrower. If your debt-to-income ratio is too high, your opportunities to make a big purchase (like getting approved for a mortgage) may be limited.
Buying your first home is usually a very exciting time in your life. You can spend months searching for the perfect place, and then one day, you finally find “the one”. You hurriedly make an offer, get all the paperwork together and sign the contract. Everything seems to be going according to plan. But then suddenly, it hits you: buyer’s remorse.
Buyer’s remorse can come with any purchase but it’s especially painful and poignant when it comes to home buying. Countless number of homeowners, especially those who are first=timers, have felt buyer’s remorse at one point or another.
The only problem is that you can’t really go back and do it all over again. Unlike something you can just take back to the store and return, a home is a huge investment. If you realize down the line it’s not the right home for you, it might be too late.
To avoid the dreaded home buyer’s remorse, consider these 4 tips.
After being absent for a few years, zero percent interest promotions from credit cards seem to be making a resurgence. Consumers can utilize such promotions to consolidate debt, do home improvements, or a variety of other things, at zero percent for the length of the promotion.
If you’re thinking of taking advantage of these promotions, you need to be aware that using these promotions to accomplish some financial goal may prove to be more difficult than you might expect.
When realizing the current debt situation in the United States, it can be difficult to maintain an optimistic outlook on the future. The national debt, is now over $18 trillion, and many U.S. citizens are finding themselves living with debt as they try to cope with the current economy.
For many students, the notion of going through a higher education school debt-free is often an absurd impossibility, especially when you consider the current outstanding student loans amounting to over $1.2 trillion nationally.
With this staggering amount of student debt, it’s understandable that many individuals have connected this with other shifts in the demographic. Economists blame student debt for decreased marriage rates, home-buying, and childbearing, to name a few.
The concept of monthly membership-based services is nothing new. You probably already pay a monthly rate for unlimited texts and data on your phone, unlimited Internet service, or satellite television. Netflix, Hulu, Vudu and other streaming media services also allow you to enjoy as many movies you like (within the database) for a flat monthly fee.
Recently, I discussed yet another new membership-based service known as ClassPass — a concept started in New York that allows fitness enthusiasts to enjoy nearly unlimited access to high-profile studios in their neighborhood while paying much less than they would for individual classes.
Well, it doesn’t end there. The following are a few subscription services you may not have heard of yet, and information to help you decide whether or not they’re a good fit for your lifestyle.
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