When things are going well, it’s easy to forget that emergencies and hard times can happen. And it’s even easier to put off preparing for them. That may be one reason that so few people have money saved for emergencies. Just 40% of Americans have enough set aside to cover a $1,000 emergency expense.
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Whether you buy the latest model or something with a lot of miles, your new vehicle is a big investment. And the purchase price is just the beginning. You’ll also need to be prepared for many future expenses, from filling up at the pump to monthly auto loan payments. Even if you paid in cash, your vehicle will still require regular upkeep, repairs, insurance payments, and other expenses. Owning a vehicle can cost thousands of dollars per year, so it’s important to take steps to protect yourself from unexpected expenses. Having the right insurance and other forms of coverage can help you avoid the stress and financial burdens that result from an accident, breakdown, or theft. If you have a new car or are shopping for one now, here are four valuable coverage options that can help you worry less and enjoy your vehicle more.
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Home is where the heart is, but it is not always near where the job is. The average American’s commute takes 26.9 minutes, with more than 14 million Americans spending an hour or more traveling to work. A longer commute often means more money spent on gas and on car repairs. Here are 7 ways to stop a long commute from cutting into your budget:
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Do you ever wonder how your spending habits compare with those of other Americans? Wonder no more. Here are a few of the everyday purchases that account for a large portion of what we spend our money on – along with some tips on how to save money in these key areas and set aside more for the future.
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Life takes money. And sometimes, it takes a lot of money at once. Whether you are planning a wedding, updating your kitchen, or fixing your car, having affordable access to cash is often essential. After all, you don’t want to wipe out your savings. When it’s time to look for a loan or line of credit, one of the first questions to ask is: secured or unsecured?
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Whether you’re starting your kids in pre-school or returning to grad school, back to school is an exciting time for anyone starting something new. It’s also a time that requires you to buy! This may mean school supplies, books, new clothes, backpacks and briefcases and even new computers and tablets. While fall can add a lot of expenses to your plate, there are plenty of ways to get what you need, get the maximum value for your dollar and stay within your budget.
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We all want to live comfortably and build a secure financial future. Whether you’re supporting yourself or a big family, you deserve this financial freedom. Unfortunately, earning a good salary can be a challenge for many Americans. In today’s competitive job market, being a skilled and valuable employee is the best way to ensure a great paycheck. And this usually depends on a great education.
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Your finances are much more than your monthly bills and account statements. They reflect your day-to-day needs, long-term goals, and overall relationship with your money. Because your finances are constantly changing, financial habits that worked last year might need some adjustments this year. Staying financially healthy is a lifelong process.
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We’ve all been there. You a have car that needs repair. You have a leaky roof in your new home. You have ANOTHER out-of-town wedding invitation, which means shelling out money for hotel, travel, etc. These are just a few examples of unexpected expenses that we all endure, many of which seem to occur at the most inopportune times.
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Looking forward to getting outdoors this summer? Whether your ideal adventure takes you across the country or “down the shore,” a new motorcycle, RV, or boat could be a dream come true. But a significant price tag and the cost of upkeep are realities you’ll need to prepare for. When you’re ready to purchase an outdoor “toy” such as a bike, RV, or power watercraft, these three tips can show you how to choose the right option for your budget and simplify the purchasing process.
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