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I became a big advocate for chiropractic care after taking my colicky three-month-old daughter to see someone two years ago. It seemed too good to be true, but one gentle adjustment reduced her never-ending crying and helped her sleep through the night.
Fast forward to the present, and I forgot my love for the chiropractor until recently. It wasn’t until my husband was coming home from work with headaches every night that I thought we should make chiropractic care a habit again. And, much like the first visit, after two adjustments, my husband’s headaches disappeared. During this same time, I also became pregnant with our second child, and Ellie, our two year old started the terrible twos.
Since then, my husband, our daughter, and I, started receiving one adjustment a month, and I’m pretty happy with the results. We’ve being going for five months now, and at just over six months pregnant, my aches and pains are minimal.
Based on financial reporting, middle-income bracket earners, did not increase their wealth from 2010-2013, while the highest income bracket individuals did.
How are people who are already wealthy able to increase their wealth so much more than others in the same economic conditions?
There are a number of reasons for this, ranging from tax breaks to investment choices (stock market vs. the stagnant housing market), but ultimately they know more about how togain wealth and keep it.
Here are some mindsets and strategies to change your personal wealth statistics in 2015.
We’re witnessing all out war between major cell phone carriers. They’re in a constant battle to outdo each other with better coverage, faster speeds, cheaper rates, and even offering incentives to customers to switch to their service.
It’s not only a fight between major carriers, but smaller ones too. The big players also have to contend with smaller providers who use the buzz term, “no contract” to entice customers to switch.
Now everyone is offering no-contract service, but is it really much different than the traditional 2-year deal?
After graduating from college with student loan debt, it can be difficult to come to terms with the debt repayment schedule.
If you’re like me, you might even be surprised by how much interest had accrued while you were in school, or shocked by how much money you actually owe.
Student loans, while often considered the “good” kind of debt, are still debt and should be taken seriously.
I never took my student loan repayment seriously, that is, until after I took on more debt and graduated with my master’s degree. In total, my debt load equaled $81,000 which consisted of$23,000 from my undergraduate degree and $58,000 from my master’s degree.
I chose to go to a fancy private school for my master’s and took off a bit more than I could chew. But with a student loan repayment plan, I’m paying off debt on a small salary and making it work. Currently, I have roughly $35k to go and have paid off the majority of debt, $30k of it, in the past three years.
Here’s the student loan repayment plan I’m using, and that you can use for your budget, too.
Are you familiar with this after-holiday scenario? Gifts are cluttering up your home, many of which you won’t use, don’t need, or simply have duplicates of. This is something we’ve all experienced! But what do you do when you’re facing a pile of unwanted gifts?
The easiest way of dealing with unwanted items, while remaining discreet, is to return them to the retailer they came from. But not all company policies support gift returns without a receipt, and many gift-givers neglect to include them.
So what can you do with unwanted gifts? Other than chalking these gifts up as a loss on both ends, here are a few suggestions you might consider.
My income has always been regular. So much so, that I liken it to the rhythmic tick-tock of a clock hanging on the wall. Paychecks from my job as a software engineer have been automatically deposited into our checking account twice a month for the last 19 years.
Even my income as a freelance writer has been regular. I submit my invoices and receive payment at the same time each month. That all changed recently, however. This was quite a big transition, and something my budget was not used to dealing with.
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