Questions You Need To Ask When Starting An Emergency Fund

by Joy on December 18, 2017 Leave a Comment

Are you prepared when an emergency happens?

You may have already mastered doing your budget all but what if an emergency happens?

What if you lose your job today? What if your car or a major home appliance breaks? What if your house gets hit by a flood or other natural calamities?

When things like these happen, we tend to borrow from other people or from credit card companies. These will result in increased debts which you can avoid by having an emergency fund.

We never know what tomorrow may bring so it’s always best to be ready.

But how do you actually start an emergency fund? To answer that, here are questions you need to ask yourself first to set up an emergency fund you can rely on when you need it.

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Don’t Take This for Granted: Why You Need Life Insurance

by Joy on November 27, 2017 1 Comment

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.

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Which Credit Card Gives You The Best Entertainment Options?

by Mr. 4HWD on February 1, 2016 Leave a Comment

When you are looking to choose a credit card you should choose one that offers you the best possible entertainment options that are out there right now. You need to be approved at the shops that you are spending at, and of course being able to go about your normal routine in life, and not have to worry about having the card declined. When choosing, think about booking hotels, online gambling, and being able to shop in the security that the card will allow you to do all of the above. It will take some research, and of course time and patience to read all of the terms and conditions that surround the cards is a necessity. Credit cards are great for people that like to have an online flutter on the casinos, and there are some that offer cash back when you shop a certain places. [Read more…]

Multifamily Properties vs. Single Family Homes: Which is Better for Property Investment?

by Mr. 4HWD on January 27, 2016 2 Comments

Making a property investment is a huge commitment, and finding the right fit for your wallet and investment aims is essential to success. Determining whether to add a single family home or multifamily unit to your rental portfolio is a question on the minds of many renters, and the answer lies in weighing the pros and cons against your personal business goals. [Read more…]

YourMechanic Review: The Mechanic Who Comes To You (And $20 Off!)

by Mr. 4HWD on March 12, 2015 4 Comments

Just want the code? Use ‘RSG20‘ and you’ll save $20 off your first appointment, book here.

The saying “time is money” has never been more true, particularly if you’re an entrepreneur, side hustler, or freelancer. Have you ever thought “if only I could hire a personal assistant…” when presented with some necessary-yet-time-intensive life task, like grocery shopping or car repairs?

While you could outsource your grocery shopping to Task Rabbit, it’s more risky trusting your car repair to someone on Task Rabbit, or even online. You’re usually left with two options: the dealerships, which will charge you the most, or a local mechanic, who may or may not be reputable. Also, either way, you’re going to be without your car for hours, and depending on the repair, you could be out days.

Wouldn’t it be better if a mechanic could come to you, work on your car, and be done by the end of the day? Having that sort of luxury is usually associated with the upper echelons, but no more. YourMechanic.com is a relatively new company, started in 2011, that brings reputable mechanics to where ever you are to handle your auto repair and maintenance needs.

Sound too good to be true? It’s not!

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7 Smart Tips to Save Money at Restaurants

by Mr. 4HWD on March 3, 2015 1 Comment

I always enjoy dining out at a restaurant. After a long day or week at work, it’s nice not to have to worry about cooking a meal or dealing with the cleanup. Dining out, however, can really negatively impact a budget. So, while I appreciate the perks of dining out, I also do my best to cut costs when eating out.

It’s surprisingly simple to save money at restaurants, and there are plenty of ways to relish your dining out experience while simultaneously cutting your bill. Here are seven tips to help you save money when dining out.

Make it Special

Consider only going out to eat for special occasions. While it’s easy to get in the habit of dining out frequently, the cost can really add up over time. An easy way to cut on dining out expenses is to simply go less often. Instead of going out just for the sake of going out, make dining out a special treat or to celebrate a special occasion.

Go Out to Lunch Instead

Restaurants often price their lunch menu lower than their dinner menu. Also, restaurants tend to have value packed lunch specials to draw in more lunch time patrons. Dining out for lunch rather than dinner gives you the same experience with a much lower bill.

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Work Less, Save More, Live More

Make it Special

Go Out to Lunch Instead

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