When most of us look at our salaries, we like to know exactly how much we make a year, month, week, day, or even per hour. This can help us figure out our best possible budget and uses for our money.
If you make a salary of $30,000, you might wonder, 30000 a year is how much an hour? You could use a calculator, or read on to find out the answer to the hourly, per paycheck, per month, and even per day breakdown.
Credit scores can have a profound impact on our finances. For example, a good credit score could mean better terms on your loan. It could also be the difference between being approved or denied for a loan in the first place.
But, what is a credit score, and what is a good credit score to have? Let’s go through all the in’s and out’s of credit and how it can affect your finances.
When I’m not thinking about my finances, you can often find me out on a good run (ok, probably still thinking about my finances). Running isn’t for everyone, but that doesn’t mean having a runner’s mentality can’t help you in other aspects of your life. Obviously, being the financially minded person I am, I think there is a lot we can all learn, financially speaking, from runners.
Getting a hold of our finances can be difficult. What can make it even more difficult is believing that you don’t have the power to change your habits. Therefore, not having the ability to improve your financial situation. It’s true that some aspects are beyond our control, but there are many we can control.
One of the most significant aspects is our mindset around money. By simply having a better mindset about money, you can begin to be better with money. One strategy some people use to improve their money mindset is using money affirmations to give themselves an extra boost of confidence.
Or maybe there is another way. What if someone could back you up if you couldn’t make the payments or make up the difference for you where you fall short? Well, lucky for you, there is that exact person out there.
They are called guarantors, and they can help you pay your rent for that perfect apartment, get a lower interest rate on a loan, or help with other monetary shortfalls. So what is a guarantor exactly, what do they do, and how can you find one?
How much house can I afford? That is a question many home-buyers ask themselves when they are in the process of buying a new home. Purchasing a home is one of the most significant investments you will make in your lifetime. You must take the time to define a budget and carefully evaluate your financial situation before you start looking for your new home. This post will explain the most important factors to consider to make the search for your home more accessible.
The phrase “it is what it is” is generally used to describe a challenging situation that we are told to just accept and move. It’s basically saying that it sucks, but there is nothing you can do about it. Although that might be true in some scenarios, there is something we can do to improve any situation most of the time.