No one likes being in debt, but it can be tough to figure out how much to pay and how quickly to maximize your paycheck and get out of debt. When you apply for a loan at a bank, they look at your debt-to-income ratio with the expectation that your monthly debt payments are less than 36% of your gross income. Ideally, you want that figure to be 10%, but even 20% is quite good. With that in mind,…
For many people, budgeting can be tedious and stressful. It seems easier to avoid it – and in the short term, it may be. But you know that long-term you need to have a budget. Thankfully, it's a lot easier to create a budget with the help of some great apps. No more tearing your hair out in front of an Excel spreadsheet – try one of these specialty apps instead. Disclosure: This post may contain affiliate links, which…
Disclosure: This post may contain affiliate links, which means we may receive a commission if you click a link and purchase something that we have recommended. This commission comes at no additional cost to you, but will help us keep this site up and running and ad free! Thank you for all the support. You’re under no obligation to purchase anything and should only do so if the product will suit your needs. With Christmas fast approaching, you may be…
Donations to charity not only support your favorite causes or contribute to your friend's and loved ones' walks, runs, or other fundraising efforts, they’re also a tax deduction. If you donate a lot or regularly, it can be a fairly significant tax break. However, in order to claim the tax deduction, you need to have the right documentation in the form of either a bank record or other written communication from the charitable organization for donations of any amount.…
We all want to spend less and have more money for fun things like vacations, nights out, etc. If you look at your current budget, you may discover you’re paying for things you actually don’t need to. The companies taking your money are happy about this, but you’d probably be happier keeping your hard earned dollars. Which of these items can you cut from your budget? Internet Modum and Router Rental Many internet providers have you pay to rent…
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