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APRIL 3, 2022

Listen to this week’s episode of the rich & REGULAR podcast about alternatives to purchasing a home and consider the following if you decide to proceed with homeownership. If you decide you want to pursue a home purchase , you can do a few things to ensure you’re ready for the process. Buying vs. renting.

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SEPTEMBER 28, 2023

When working with an aggregator, there are no marketing expenses, no payment processing expenses, and no expenses associated with CMRA compliance. When you use a wholesaler that delivers closed deals, cost of sale is negligible. I would even argue cost of sale is non-existent. You choose.

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DECEMBER 5, 2022

Often, the amount paid towards remote work expenses depends on whether the job is full time or freelance, and the seniority of the employee’s position. And then you will probably need some office furniture, which can be expensive, especially if you want to ensure proper ergonomics when it comes to your perfect workstation. .

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SEPTEMBER 16, 2022

While some offices take this concept to the extreme by purchasing live green walls that cost thousands of dollars, incorporating biophilic design doesn’t have to be so complicated. . Additionally, keep an eye out for any end-of-season sales that could further help mitigate expenses.? . Check out the local florist. Thrift Stores .

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JULY 20, 2021

Maybe you dream of attending drama school one day or purchasing recording equipment to help with your podcasting side gig (don’t we all?). This goal is more expensive than I’d like to admit, so I strategically plan for those purchases by saving for them on a monthly basis. For me, this is collecting limited-release sneakers.

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JULY 4, 2022

List out your purchases in an Excel spreadsheet at the end of each month and place each transaction into a bucket. Be more descriptive than simply “transportation” because a Lyft to the bar on Friday night should not be marked as a vital expense. Look for your options with the lowest expense ratios within your employer’s 401(k).

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FEBRUARY 13, 2024

Send your children to college Expected time: 17-25 years Account types: 529 plans, Coverdell Education Savings Account (ESA), custodial accounts, brokerage accounts, high-yield savings accounts , Certificate of Deposit (CD) Welcoming a new child into your family is an exciting step, but it can also be expensive.

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MAY 25, 2022

With today’s competitive talent market and the summer travel season fast approaching, many companies are leaning into more creative benefits around time off, such as helping cover the cost of employees’ travel expenses. . They also receive discounts on retail and travel packages purchased through the site. . Car purchase .

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Success

APRIL 24, 2023

Oftentimes, it’s not just about earning a high income , but also about managing your expenses , investments and debts wisely. Kiersten urges listeners to ask themselves a crucial question before making any financial decisions: “Is this purchase moving me toward my financial goals, or is it keeping me in the same place?”

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JANUARY 9, 2023

It’s especially nonsensical in the United States, where it’s designed to be intentionally confusing and expensive. Learn more at richandregular.com , purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular. Healthcare is complicated when it comes to finances.

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APRIL 19, 2023

If you’ve ever had to pull out a credit card to deal with a dentist or emergency vet bill, you likely know the pain of wondering how you’ll pay for an unexpected expense. An emergency fund is a safety net of money for unexpected expenses. Or maybe you unexpectedly lost your job and finding a new one is taking longer than expected.

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Success

JANUARY 31, 2022

After the budget is set, its user must allocate all income to expenses, savings or debt payoff. When people sit down to make traditional budgets (also called incremental budgets), they typically start by listing out their current expenses or by building from the previous year’s budget. As an idea, zero-based budgeting is simple.

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AUGUST 21, 2022

As soon as you move abroad , you’re in charge of paying for your medical expenses, as your United States health insurance won’t let you submit any assertions, says Elena Jones, a personal finance expert at FinanceJar. You can (or may need to) purchase international insurance. Based on the options of your plan, private U.S.

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MAY 21, 2024

Slowing job growth may curb inflation but can reduce disposable incomes, purchasing power, and overall economic output, potentially signaling underlying structural issues like skills mismatches or economic vulnerabilities. Recent BLS data points to a cooling U.S. We’re sticking with our call for a first ease in July.

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MAY 9, 2024

Topeka, Kansas Topeka, Kansas, has also made headlines with their Choose Topeka program, which offers up to $15,000 for home purchases or $10,000 for renters who move there and work remotely. Eligible participants can receive up to $6,000 to assist with relocation expenses.

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Success

JULY 17, 2022

Your prospects are concerned that later, after purchasing from you, someone else in the company will ask why they didn’t choose a cheaper competitor. They need to see references from satisfied customers as well as case studies and whitepapers attesting that your outcome will be better and worth the added expense.

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FEBRUARY 29, 2024

It’s crucial for freelancers to closely and continually track their income and expenses, as this determines their net income, on which taxes are due. To calculate their taxable income, freelancers must first tally all their revenues and then subtract their allowable business expenses.

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AUGUST 21, 2022

While some types of protective pads may be okay to buy secondhand, helmets are often designed to take only one good hit, so always purchase new head protection for you or your kids. Classic glassware and fine china are home decor items that seem ubiquitous in thrift stores and antique shops, but can be extremely expensive to purchase new.

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NOVEMBER 10, 2022

The technology itself was partly to blame — headsets were prohibitively expensive , and user experiences were clunky. You’ll need your own dedicated server to host your virtual coworking space, for example, which could get expensive. In the past, companies have experimented with different virtual coworking initiatives.

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OCTOBER 25, 2022

Inflation can also reduce the purchasing power of tenants, which may lead to lower rents and occupancy rates. . With the Fed rolling out higher interest rates, more expensive financing will be an issue. Higher rates make it more costly and difficult for buyers to finance a purchase, which can lead to lower demand and prices. .

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JUNE 5, 2023

When you purchase an I bond, the fixed rate will remain your interest rate until you cash it in. Purchasing and cashing in There are two ways to purchase I bonds. You can purchase electronic I bonds online through a TreasuryDirect account. You can also purchase a paper version of an I bond. They’re low risk.

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SEPTEMBER 3, 2022

Recessions are a natural part of the economic cycle and help to reset the economy when it grows too quickly, making it harder for regular people to purchase everyday items. What are my basic monthly living expenses (including food, shelter, health insurance, utilities, phone, transportation and childcare)? Beef up your emergency fund.

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Tips From T. Marie

JANUARY 27, 2022

That means that I do a lot of research and soul searching before purchasing anything. That worked fine for a few years, but as anyone who has purchased software knows, software becomes outdated pretty quickly. Yes, but because I got it refurbished it was only about $300 dollars more than the previous Windows computer I had purchased.

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FEBRUARY 5, 2024

Saving three months of living expenses in an emergency fund, upgrading to a new computer or planning a vacation are common short-term goals. To set your new budget , add up your monthly income and monthly expenses. Subtract your expenses from your income, which gives you the extra money you have each month to put toward your goals.

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JULY 5, 2021

Many of the luxury services available today use a subscription method where you pay a small monthly fee that is applied to any purchase you make that month. Set your spending priorities and find other ways to economize so you can enjoy a little gratification. Create your own subscription plan. Maximize your cash back. Find balance.

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SEPTEMBER 17, 2024

If it’s too small, the app suggests how much money you might want to add to your savings to prepare for unexpected expenses. Expense Tracking And Categorization With Empower, expense tracking is quick and effortless. Empower also helps you see whether your emergency fund is the right size.

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APRIL 4, 2022

As your dream clients work through the process of deciding what to purchase and who to buy from, they will reach a stage where they deal with their fears and concerns. This is especially true when the decision is big, expensive, complex or risky. You also create value for them by differentiating yourself and your offering.

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JUNE 23, 2023

Some people refer to this as an emergency fund , but it is essentially three to six months’ worth of living expenses you can use to pay for essentials if you lose your income or get hit with unexpected bills, such as a car repair or medical emergency. You may not get your expenses to match the 50/30/20 percentages. Budget play money.

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MAY 15, 2023

People purchase life insurance to help their families replace lost income and cover final expenses after death. Remember: The larger the policy amount or the longer you want the policy to be in effect, the more expensive the premiums. In exchange, you pay the insurance company a monthly or yearly premium.

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Eat Your Career

AUGUST 19, 2010

Review your spending for the past week and analyze the motivations behind each purchase. It’s clear that far too many people are ignoring the incredibly expensive habit of stress. How much money do you spend as a direct or indirect result of stress? The answer may surprise you. These numbers are staggering.

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SEPTEMBER 6, 2024

General liability insurance for freelancers This is the most common insurance that small business owners purchase. The above Next Insurance survey found that 52% of small business owners had purchased it. If you’re considering purchasing freelance business insurance, make sure you understand what you’re getting.

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OCTOBER 10, 2021

As much as we love nice things, we made faster progress toward our financial goals when we realized that those little upgrades are not just one-time expenses. A joy scale is a personal rating system that encourages you to track how much joy came from an item or experience you purchased. Create a Joy Scale. It’s completely subjective.

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MARCH 8, 2022

How many bath bombs have been purchased on credit cards in the name of self-care? Faced with spending decisions , you might ask yourself whether a purchase supports your core values. There are millions of things to spend your money on, and advertisers are happy to supply you with reasons for purchasing any number of them.

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OCTOBER 11, 2023

Whether you are headed back to the office after three remote years, or haven’t thought twice about purchasing new productivity products and services for the offuce while braving rocky financial situations, it’s time. It has pages and calendar months to log events and expenses.

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MARCH 19, 2022

It’s expensive and most Americans struggle to keep it under control. So plan ahead, and if you plan to use credit in the future—to buy a home , for example—start building some credit by having a credit card account, even if you just charge one purchase and pay it off each month. Mistake #1: Closing credit card accounts.

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MARCH 20, 2024

This method has worked for her for years and takes the stress out of large or unexpected expenses. Each time you consider a nonessential purchase, you can decide what you want more: that latte, that pizza delivery, that extra pair of jeans—or getting, say, $50 closer to the goal you’ve set.

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JUNE 12, 2023

Why are groceries so expensive right now? Retailers often put the most expensive items at eye level, making them easier to grab. While the amount you earn varies, you can help offset rising costs by using a card that gives you a little back after every purchase. Keep reading for ways to help you make the most of your budget.

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