How to Stay Healthy Without Paying for an Overpriced Gym Membership

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Going to the gym isn’t always the best option for everyone who wants to work out and stay healthy, in fact, for some, it doesn’t make sense at all. Since 67 percent of gym members don’t go to the gym at all and many more don’t go often, it results in an unnecessary expense.

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What is the Debt Snowball Method and How Does it Work?

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If you are looking to get out of debt, the snowball method is a great way to get the ball rolling – pun intended. If you’ve made a snowman before, you already understand the basic concept. As you pack more snow into a tight ball and roll it around the snow-covered yard, you gain momentum and speed as your snowball becomes a snow boulder.

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Measuring Customer Lifetime Value – It’s all about the Data

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When it comes to measuring the effectiveness of marketing and customer satisfaction, data is king. One of the most important metrics to determining long-term success is measuring customer lifetime value.  

What is customer lifetime value (CLV)?

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Students: How to Avoid Running Out of Time on the SATs

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It’s officially SAT season, and for many students, that can mean full on panic mode. BUT it doesn’t have to be. With dedication and practice students can work through every question on the SAT but add in time management and it could be the difference between a mediocre score and an outstanding one.

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The Age of the Freelancer – Why to Hire One and How to Find the Right One

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The concept of hiring freelancers to handle projects or certain responsibilities is nothing new, however, it’s become very popular over the past decade. There are a few factors that have made the freelancer worker more popular – one major factor –  fewer Americans are embracing the traditional 9-5 job career path.

In 2014, there were 53 million freelancers in American – in 2020, it’s estimated to be 57 million or about 35% of American workers. Freelancers love the freedom of making their own hours, working where they want (no cubicles for them), and being able to pick and choose their own projects.

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Unexpected College Dorm Room Necessities You Didn’t Know You Needed

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It’s time to pack up and head off to Freshman year – but…what to bring?

Whether your college provides you with a checklist,  you Google it yourself, or just decide to wing it,  it’s bound to include the staples like a laptop, linens, toiletries, clothes, food, etc. But there are a few things you might not know you needed. You also might be so busy thinking about your class schedule, what your roommate will be like and what to wear on your first day, that you end up forgetting some things. 

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Money Management Tips to Make Your Finances Recession-Proof

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With all the uncertainties that the Corona Virus has brought, it can be hard to predict what is going to be the long-term effect on the economy. Unfortunately, if a recession does hit, it will be something beyond our control. However what we can control is how we personally respond to it and how we prepare for it.  Taking precautionary measures sooner rather than later can help you protect your finances and make them recession-proof.

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Student Loans and the WORST Ways to Pay them Off

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Student loan debt is a very hot topic. With borrowers owing a combined total of federal student loan debt that is nearing a trillion dollars. One in five adults currently has student loan debt and we don’t see college tuition dropping in the near future.

Repaying your student loans can be daunting, especially if you have over six figures of debt, like many new college graduates.

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“Kiddie Condos” – The Newest College Housing Trend

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“Kiddie Condos” are one of the newest buzz phrases and latest trend for parents of college students who are looking to treat room and board as more of an investment vs. an expense. The concept: Purchase a home, condo or  apartment in the town where your college student goes to school, purchase the home with them on the mortgage, and have them live there vs. campus housing or renting off campus. The idea behind the strategy is to put the money a family would generally spend on room and board, required meal plans, and out-of-state tuition into a property.

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College Savings or Retirement – Which Should you Save for First?

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Which should you save for first – your child’s future college tuition or your personal retirement?  As a parent, this is a very emotional question – saving for your children’s continuing education to help them incur less debt and get a good education or financially preparing yourself and securing your future.

Many parents have decided that college savings should come first and are not only forgoing putting money in a retirement account, but they are dipping into their retirement savings to cover the costs of tuition. Yes, saving for college is important, but it is actually a luxury. How much you save for your child’s tuition is not a direct correlation to how likely it is that they will graduate. And don’t worry, your child can find other ways to pay for school: scholarships, grants, financial aid, part time jobs, or even finding a more affordable school.

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