self-employed taxes
Becoming your own boss can be a dream come true. You don’t have to answer to an unreasonable supervisor, you can set your own hours, and you can focus your energies on things that really matter to you.

But then there’s the IRS, because handling taxes when you work for yourself can be a big headache.

Here are some of the tax challenges you might have to face when you start a career as a freelancer, independent contractor or small business owner:
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cheap honeymoons

Your first moments alone as husband and wife are some of the most important moments you’ll ever spend together. Many couples start planning for their honeymoon six to eight months ahead of time. This may seem like it’s too early, but when it comes to proper planning, there’s no such thing.

The longer you wait, the more you risk losing out on the best spots for romance. You can’t chance someone else stealing the prime cabin on your perfect ship! You also could lose loads of cash by not starting early and researching the most financially compatible hot spots for your budget.

There’s no need to add additional stress to an already financially stressful time of your life — especially when considering the fact that marriages that start off in the hole have a harder time getting out of it.

With these tips, you’ll be able to find, plan, and have the most exciting, heart-racing honeymoon you could ever dream of.

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movie money lessons

Growing up, you absorbed a myriad of lessons from popular culture. No matter when you grew up, it’s likely that one of the movies you watched as a child helped shape how you think about money—without you even realizing it.

Here are four iconic children’s movies from the past 40 years, and how they may have influenced your view of money:

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healthcare costs
Health care costs are soaring higher and higher each year, and more and more people are thinking about dropping health insurance. This combination can lead to financial disaster, even for the most prudent and well-prepared individual.

With the average cost of a 24-hour stay in a hospital in the $3,000 to $5,000 range, any long-term illness could be disastrous, even if you have health insurance.

Here are some tips for keeping health costs at bay, whether you have insurance or you don’t:

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millennials and money
Your 20s is definitely one period of your life when you experience the most change. Graduating college. Moving into your first apartment. Getting your first job. There are many milestones in this decade of your life. It’s also an important time to start building a healthy foundation for the years ahead and an integral part of that is your finances.

As a 20-something, you might not be thinking much about money. Your motto in life might be ‘YOLO’ or you only live once. While you should have fun in your 20s, it’s also important to make smart money decisions.

What you do now can have an impact on your finances years down the road. If you’re a 20-something ready to get serious about money, here are 5 money rules you should live by:
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medicine cabinet

As a parent, there’s nothing worse than taking your sick child to see a doctor only to be sent home and told to return in a few days if he or she gets worse (which usually happens). We have health insurance, but a visit to the doctor is still money out of the family budget that could be used elsewhere. Two visits for the same illness is especially painful.

As a nurse, I often teach parents of children to keep a small supply of over-the-counter medications to help cut back on calls to the doctor and trips to the ER in the middle of the night. The same goes for adults. If you keep a few staples on hand, you’ll end up saving money in the long run.

Here are four essential medical items that will help you cut back on costs during an illness*: [ continue reading… ]