My daughter gets so frustrated when our home network goes down. She thrives on the use of the internet. Her phone is more important than air to her, but she does not use calls or texts, so the internet is the most important thing. Yes, she has a data plan, but she uses it in…
Why are “buy now pay later” loans for small purchases so brilliant? So I am walking through a store and see something that I want but I know I don’t have the money to pay for it. So they offer a buy now pay later loan of 4 payments. So now I can divide the…
I remember when you being a repeat customer was what businesses wanted. There was a doughnut shop that if you were a usual they gave you extra doughnuts for being a loyal customer. I liked going to places like that where I got something for being a customer. Recently I went to the doughnut shop…
Now days we have people who say, “I identify as” and fill in the blank. This is not just about gender roles. Shortly after the height of COVID, I heard some people say “I identify as vaccinated” to me I took that to imply they are not, but they could have been. So, I wanted…
I am part of the Kia/Hyundai chaos going on in America. When we bought my car, we found the cheapest thing on the lot because we would be having 2 car payments at the time, and we knew our budget would be even tighter. Consequently, we are now in a conundrum of what to do…
A trend in the financial world is to open up an account that is known as “Cash Management” that sends your money to other banks but is managed by one institution. I have also seen this with some high-yield savings accounts. How this works You open this new account with the managing institution then they…
I recently started being a food delivery person. I am amazed and saddened at the number of times, my tip reads $0.00. I have had some go back and add it later thankfully. But a lot of people do not tip. Most orders the pay I get from the company is minimal. Company Pay I…
Whomever believes this, I have bad news for you. Learning is a continuous thing. We are learning and we have to keep learning. Learning is not a bad thing. Learning makes us better and makes life easier. I remember my dad learning to use a computer at 50 years old while he still preferred using…
Having an emergency fund is a big step toward financial independence. They come in handy for “emergencies”. Sometimes we make our poor decisions into emergencies. The End leads to the Unexpected My parents retired when I was a young adult. My mom was forced to retire from her job and started working part-time until she…
What values do you give your kids about their future?What do you wish you had known about the future? Today on our way home from school, my daughter was discussing with me about a prerequisite class she must take next year. The teacher is retiring, and my daughter is afraid that our school district will…
