Simplifying personal finance for the young working class adults.

How To Save On Electric Bills In All Seasons

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In summers and winters, the electric bills are outrageously high. According to Austin Texas Energy Consumption Data, there is a consistent jump in electric bills in the month of June through October. The average electric bill in each of these months is $123.85, compared to the average bill of $68.97 in other months. It is …

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Will Biden Forgive Student Loans: What You Need To Know

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Mark Kantrowitz, a recognized expert on student financial aid and loan, says he feels Biden will. This is due to concerns, when the president did not include student loan forgiveness on his annual budget and legislation request. Since his political campaign was based on his ambitious American Rescue Plan, not including a student loan forgiveness …

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Is Cryptocurrency A Good Investment For Millennials?

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Dear Millennial, is cryptocurrency a good long-term investment for your future financial stability? As a small-time American financial security investor with seven years experience, cryptocurrency is absolutely not a good long-term investment for you. Before you get mad and start ranting about how it is the future currency, I want you to be sincere about …

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Are these 5 Unnecessary Expenses Costing You A Fortune

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Expenses are part of our daily lives. In a society as ours with availability of varying choices, we cannot get away from spending money. Some of these expenses are unnecessary and avoidable. In fact, chances are your monthly expenses include services you barely use or need. This is power of consumerism. In the absence of …

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When You Should Finance A Purchase: 5 Best Times

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There was a time debt was an abhorrence. You know, something only reserved for assets acquisition. Nowadays, this is not the case. Financial institutions have made it very easy to borrow money for purchases ranging from important to trivial things in life. With a majority of our population lacking a knowledge on when to best …

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How To Save Money For Vacation On A Low-Income

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You do not have to make thousands of dollars in monthly income to take a vacation. It is a common misconception. You can enjoy the same travel experience on a low monthly income as high-income earners. I do not mean a watered-down version of the travel experience, but the real deal. You just need to …

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