Most Americans agree that people need life insurance. Yet only about 70% of Americans have one.
This is sad considering the benefits of having one, and the consequences of not having one.
Insurance is one of the things that’s so easy to put off, unlike health insurance that you know you’re going to need one of these days, or sometimes, almost immediately. But with life insurance, the future seems too far so it’s easier to think you don’t need one yet.
But the more time you put it off, the greater the risks.
And the most frustrating part? You’ve already done your best to be frugal.
So why are you still living from paycheck to paycheck despite your efforts of being frugal?
You’re still suffocated with bills and expenses that pop up from nowhere.
You still can’t figure out how you can live without worrying about money despite your efforts.
If you’ve been living a frugal life but still broke, clearly there’s a hole in your financial system you need to fix.
Being frugal is good. But if you’re not spending money on things you need to, you might end up being broke rather than having a simple and comfortable life.
Here’s what you need to invest in to remedy the paycheck to paycheck lifestyle:
Most get out of debt advice out there tell you to add more income so that you can pay off your debts. And there’s really nothing wrong with this advice. In fact, this is great advice. With the extra income, you can use that to pay off debts.
But sometimes what you need is not extra income, but fewer expenses.
Most people fall into a ton of debt not because their income isn’t enough but because they’re living way above their means.
So before you try to find extra work for an extra income, try your best first to follow a budget and stick with it. Because sometimes, having an extra income will just give extra money to blow.
Using your income now, you can pay off your debts without having to work on a second job.
Here are 3 practical ways on how to do that.
Let’s face it. Earning more money is what most of us aim for. Having more income means we have more breathing room, less stress, and more options.
Growing your business can help you with this goal. But growing a business can take time. If you need a short-term solution to having more income, this post will show you how.
You don’t need overtime to work a lot. You can do a lot in just a few hours – and the same handful of hours can leave you completely exhausted. I don’t work a lot of hours, but I love to think I am very productive. When I work, I try to avoid procrastination as much as possible. So, at the end of the day, I have precious hours of me-time to spend. For a long time, all I did was binge-watch my favorite series on Netflix, but later I realized that they were hours I wasted. I often did nothing but browse Facebook for hours, while Partick Jane or Agent Seely Booth solved their cases on screen (I’m a huge fan of police procedural shows). Hours wasted. Things had to change – and they did. Meaning that I changed. I changed the things I did in my free time, and the results soon started to show.
Graduation time is right around the corner, and after years of hard work it’s time to celebrate with your special graduate! If you are hosting a graduation party you’re aware of how quickly celebration costs can rise. However, it’s possible to host a fun graduation party without breaking the bank. Here are a few ideas to keep your graduation party costs down.
Rather than hosting a celebration at a restaurant, consider having the party at your home. If your own home isn’t a good spot for a party ask friends or family that have a larger home or backyard. If you need to have your party off-site look into renting a park with a pavilion and barbeque grills or ask a local church if they rent space. Often time churches have extremely reasonable rental rates.
Ditch traditional decorations and instead display school photos from over the years along with art and other school projects. In addition to paying homage to the graduate, the old pictures will strike up many conversations among the guests. If traditional graduation party decorations are a must for you, check out dollar and discounts stores as they often have a variety of inexpensive decorations.
So, you want to work from home, set your own schedule, and make unlimited income? Well, according to many direct sales companies, all of that and more is possible simply from starting a career in direct sales.
Direct sales is the sale of a product or service in a person-to-person atmosphere marketed through independent sales representatives, consults, or distributors. Products range from cosmetics to candles to cookware. There is definitely money and interest in direct sales as it is a $30 billion industry employing 16.8 million people.
There are several hundred direct sales companies which offer thousands of products. Below I’ve listed some of the more popular categories.