budget – Page 8 – Luv Saving Money

It’s a Good Time To Invest With Webull

The markets be a little scary lately. Watching the the market is like watching a rollercoaster. But this can be a great time to invest. With stocks lower than normal you can grab the stock you’ve been thinking about but haven’t quite pulled the trigger on.

Webull makes it easy to invest. Even giving you free stock when you start investing. In this way, you can get even more bang for your buck. How much free stock? Anywhere from $12 and up to $1400 in free stock! That’s not a bad deal right?

Why Webull (other than the free stock of course)? Webull offers:

$0 Commission and $0 Minimum Deposit
Free Real Time Quotes
Multiplatform Accessibility
Full Extended Hours Trading (Full Pre-Market 4:30 am – 9:30 AM ET and Full after hours 4:00 PM – 8 PM ET)
24/7 online help
Powerful Charting Tools with 44 technical indicators as well as 12 charting tools designed to help you analyze trends

I know it can be a little intimidating to start investing but Webull gives you the tools you need to learn and invest wisely. Start investing and get your free stock today!

This post does contain affiliate links. I will get a small commission from sales made through my links.

Credit Card Debt During A Pandemic with Saxton Associates

As of 2019, 184 million Americans actively used credit cards according to TransUnion. The average American owns 3.1 credit cards according to Experian. And the credit card balance total for all Americans? A whopping $1.05 trillion as of February 2020! That’s crazy.

Of the US that currently uses credit cards, 42% percent carry a balance month to month. And what is the average balance for consumers? Over $6000!

Want to know what’s even crazier? Americans paid $121 billion in interest to the credit cards companies. That’s a lot of money! That is up 7% since 2018. I think it’s fair to say with the pandemic, some Americans not working, and panic buying that credit card debt could go even higher.

So who are the biggest offenders? As much as I hate to say it, it’s my generation, Generation X. My generation carries the highest credit card balances. While people want to get down on Millenials for different reasons, they actually carry the lowest credit card balances. I know my sister in law is a Millenial and she’s into this “minimalistic” lifestyle. I mean Millenials aren’t even using top sheets right? Millenials also, on average, have less credit cards that Gen X and Baby Boomers. In fact, Baby Boomers, on average carry the most credit cards at 4.8.

Want to know how your state stacks up with credit card debt? Check out this infographic:

With more and more Americans currently relying on credit cards and other financial devices in these uncertain times these number could climb with record highs. Don’t let yourself get into financial trouble.

I realize people gotta do what they gotta do but when this is all over get your credit straightened out before it takes you down. Saxton Associates can help.

Delinquency rates peaked in 2009 at nearly 7%, but in 2019 delinquency rates were 2.6%, historically well below the long-term average.

Credit card debt becomes delinquent when a bank reports a missed payment to the major credit reporting bureaus. Banks typically don’t report a missed payment until a person is at least 30 days late in paying. When a consumer doesn’t pay for at least 90 days, the credit card balance becomes seriously delinquent. Banks are very likely to take a total loss on seriously delinquent balances.

Check out these ways to consolidate credit card debt too.

This post is sponsored by Diamond Links.

FREE $15 To Spend At Instacart After Cash Back

Service like Instacart have become really popular with the COVID-19 pandemic. Everyone needs groceries so why not save a little money and have the groceries delivered right to you!

Step 1:
OFFER LINK
Using my link, signup for a FREE TopCashback account.This offer is for new TopCashback members only.

Step 2:
Follow the directions listed on the offer page to purchase. You must spend at least $15.00 to receive $15.00 cash back.

Step 3:
Within 7 days of purchase, $15.00 will appear in your TopCashback account. You’ll be able to withdraw this within 14 days of purchase. You can withdraw the money straight to your checking, PayPal, or claim as gift cards.

Tips:

Important: Check your email to confirm your email address. Click on the link in your email to authenticate your new account.
Want to purchase more than $15.00? Make a second transaction instead of adding more to an existing cart to maximize additional cash back.

Terms & Conditions:Note: Transactions must contain at least $15.00 worth of purchases to ensure the $15.00 cash back is credited to TopCashback accounts. Transactions may initially track lower, but within the 14 days after purchase it will be uplifted and turn payable at the amount of $15.00. Transactions may take up to 7 days to appear in your TopCashback account. The deal is open until 11:59pm PST on 4/26/2020 or until supplies run out; whichever happens first; applicable for purchases made directly after clicking through TopCashback. Only one TopCashback account is permitted per member. Cannot be combined with other TopCashback freebie offers. Do not close the window, open any new tabs, or use non-TopCashback approved coupons while checking out.

Easing Financial Burden Tips

If you have been pondering making changes in your life or lifestyle so you can be more financially free or be able to become your own boss, then here are three ideas for how to increase your freedom in life. When you are more financially free and/or your own boss, you will discover more overall freedom and satisfaction in your everyday life.

Create Budgets

While you may not relish the thought of building a household budget, it can be quite simple and freeing to see where your money is going each month. The only way to get a complete picture of your cash flow and ability to save money is to design a budget that captures your absolute required spending and what is discretionary spending. What may be elusive to many people is the fact most wealthy people live well below their means. It may be very tempting with each raise or promotion to increase your standard of living, but it is much wiser to increase your financial freedom by paying down debt, increasing savings and utilizing more income for yourself through investments or building a side business.

Eliminate Debt

One important way to help build financial freedom is to eliminate any and all personal debt within your household. While this can be daunting, the truth is there are many ways to whittle away at your debt load. One method is the debt snowball method where you apply as much money as you possibly can to the smallest debt and once that is paid off you add that payment amount to the next biggest debt in addition to its regular payment until you are applying bigger and bigger amounts to each debt. Being able to live debt-free is extremely freeing financially and mentally.

Build a Successful Business

There is nothing easy about building a successful business. However, if you have a passion and vision in mind to meet a need in society and can grow your own business from it, you can find great freedom and excitement for building a lifetime of income and wealth. Some of the important pieces of starting a business is to research and identify the need and market, to write up a successful business plan and to secure funding for startup costs. Often times consulting with a credit improvement company with credit solutions NJ can help you secure the most funding for the least amount of money.

While finding financial freedom and a lifestyle where you are your own boss may take time, the rewards once achieved are endless. Start now by creating a workable household budget, paying down personal debt and creating a successful business where you are your own boss.

HealthSapiens Offers Telemed Services For Counseling and Medical Advice

COVID-19 has made businesses get creative with how they can keep going in these trying times. Social distancing and stay-at-home orders are making people ask themselves “Do I really need to go out? Do I really need this right now?” Unfortunately, it can also make people hesitate on getting evaluated by a medical professional.

Social distancing and the temporary closing of some facilities has also been in the news for people with depression, anxiety, and loneliness having trouble coping with everything going on. I’m a part of a group for the gym I’m a member of. Many people used the gym as a way to help with depression, anxiety, addiction behavior, and more. I see frequently in the group, people that just don’t know how to cope and are losing motivation.

So what can you do? Many health facilities are offering by appointment only and only if it’s medically necessary. My daughter’s well check up and my son’s wisdom teeth removal were canceled with rescheduling when able. Some facilities have telemed services set up but not all. If you’re really struggling mentally, it can be hard to leave the house anyway.

HealthSapiens is a solution. HealthSapiens offering Telemed services for both medical advice and counseling.

HealthSapiens offers an affordable subscription plan for individuals and families. The family plan will cover unlimited visits for up to 7 people! There are no copays, available 24/7, and they can even send any prescriptions to your pharmacy of choice.

There is no waiting in lines, no sitting in a waiting room with sick people, no sitting in an exam room for 30 minutes until a doctor can get to you. Honestly this sounds amazing to me. I have ulcerative colitis and IBS so sitting for 45 minutes in a waiting room then another 30 minutes in an exam room can mean several bathroom trips for me. I’d feel much more comfortable at home.

I’ve also considered getting counseling for my anxiety and depression. My insurance doesn’t cover it and it’s something like $100+ per hour so I never did. This is a much more affordable solution. I don’t have to let my bank account decide if I can get help or not.

Health Sapiens: Sign-up for Affordable & Easily Accessible Counseling Today!

Don’t let current events or copay worries hold you back from getting the care you and your family need. Sign up today and start feeling better.

Health Sapiens: Affordable & Easily Accessible Healthcare starting at $19.95/Month. Sign-up Today!

This post does contain affiliate link. I will get a small commission from actions taken through my links.