income – $aving Money Tip$

In the United States many individuals are currently out of work because the government considers their job or business non-essential, or impossible to carry out while maintaining social distancing. My husband works for a local university and has been home working for weeks now. I honestly didn’t look ahead enough to see how much universities would be impacted, but that became very obvious to me when my husband’s employer sent an email that he would have to take 39 furlough days over the next year. Essentially, he is losing two months’ income over the next year. While I’m still very thankful that he has a job, we had to do some scrambling to make our budget work. Here’s how we’re handling a sudden loss of income. How

Frugal Living, Saving Money & Life Hacks

admin May 27, 2015 expenses, income

Fed Survey Finds Most Consumers Are Happy With Their Finances, Despite Lack Of Retirement Savings

(frankieleon) As the economy continues to bounce back from the Great Recession, consumers have adopted a more optimistic outlook when it comes to their finances despite the fact that a third of the country has no savings put away for the future, according to a new survey from the Federal Reserve. The 2014 Survey of Household Economics and Decisionmaking [PDF] points out that over the past year individuals and families have experienced mild improvements in their overall well-being, leading to an increase in optimism for the long-term. Over the past year, consumers’ feeling about their financial situation has improved. According to the report, which surveyed 5,800 respondents in October 2014, a majority of Americans – about 65{7dabfd103aa443fce219eea47f0f346a11a54ce587a1a0cbb74f06b9f7a304ca} – are either “doing okay” or “living comfortably” financially,

Debt Management, Relief & Consolidation

admin May 4, 2015 income, raise

A little good news

I feel like lately I’m all “fight, grind, repeat.” (quote credit: Bobby Bones). Sure I’ve had some times out last month, but to be 100{7dabfd103aa443fce219eea47f0f346a11a54ce587a1a0cbb74f06b9f7a304ca} honest and open, they aren’t events I would have chosen to group together into a single month for spending purposes. In choosing how to spend that money I would have preferred, for instance, a date night out with the hubs. And in spite of these times out, I have maintained a pretty steadfast focus on chipping away at my debt. Slow and steady, slow and steady, slow and steady. It’s like a mantra that keeps playing in my head. It was so much easier last year when our income started to sky rocket during the summer. We had two months where