In recent years, there’s been a trend toward following our passions and doing work we love. At least, we hear a lot about finding ways to get paid to do work that we like. However, that trend might be on the verge of a chance, if a recent survey is any indication.
The other day, my boyfriend and I were in Home Depot, since we’re in the process of moving and need to get some boxes. Before we arrived at the store, we decided we needed exactly 10 medium sized boxes.
The only thing was that they were all out of the medium and only had small and large boxes. That certainly threw a wrench in our plan. So there we were, standing in the middle of a random aisle in Home Deport deciding whether to go with 6 or 7 large boxes.
After spending more than 5 minutes debating, my boyfriend said “Why are we wasting our time on this? Buying an extra box for $1.50 won’t kill us”. Yes, he is totally right.
I remember sitting next to my sister-in-law when she was expecting her first child. She spent an hour looking at different furniture sets online and once she found one she liked, she had no problem paying $2,500 for it. Of course, the set was very nice, but the functionality only lasted about two to three years before she sold it for much less.
Baby furniture is normally a huge cost that comes when having a baby. Most of the time, baby furniture is not even essential, but it can be easy to get swept away with the excitement of a new little one on the way.
So while you want your baby’s nursery to look adorable, you don’t have to spend a lot of money to furnish it. Here are my best tips for saving money on baby furniture.
As a college student, my unsubsidized federal loans are definitely weighing on my mind. I’m not required to pay the loans yet, but the time is coming when I will be. At least paying the accrued interest saves me money in the long run.
My goal is to pay as I go, but either way, student loans have to be paid. I’ve seen a lot of advice about how consolidating and refinancing your student loan is a good choice for those struggling to make their loan payments. In general, though, no one recommends paying your student loans with a credit card. Until now. Maybe.
The problem with paying student loans with a credit card, as you may already know, is that student loan servicing companies charge considerably lower interest rates than credit card companies.
It’s usually best to keep your student loans with their third-party servicing company until you’ve paid them off. Right? Maybe not.
On the surface, those who suffer from poor time management seem to have little in common with those who suffer from financial disorganization. After all, whether you’re swimming in millions of dollars or barely have two nickels to rub together, every single person gets the exact same 24 hours each day.
But according to economist Sendhil Mullainathan and psychologist Eldar Shafir, co-authors of the book, Scarcity: Why Having Too Little Means So Much, both financial poverty and time poverty cause you to borrow against the future, to your detriment.
In many big cities, like New York, it’s common to work with a real estate broker to find an apartment. In fact, many listings are only shown exclusively through brokers. You can still find one on your own but it’s definitely much more difficult.
Unfortunately, when working with a broker to find a place to live, renters have to pay really high fees. A broker fee can cost anywhere from one months rent to 18% of the yearly rent. Lets put that into perspective; for a $2,500 per month apartment that could cost up to $5,400.
If you do decide to work with a broker, it’s important to know what to expect and what to look for. In a perfect world, brokers have your best interest in mind. But we know that’s not always the case.
Let’s take a look at 5 common broker warning signs to watch out for.
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