When we’re at work, we are employees paid to take care of certain responsibilities. Your salary, or your wage, is what you get to fulfill your role for your employer. In this sense, we are employees – and not entrepreneurs. Nevertheless, I’ve been thinking that we are all entrepreneurs in one sense or another. Regardless of what we do, or even to some degree what we do for our employers, we’re entrepreneurs cloaked as employees....
In today’s economy, many people find themselves working multiple jobs and still struggling to make ends meet. Let’s take a look at the case of a person living in an expensive city like San Diego, working two jobs, and barely making $2600 a month after taxes. With rent, phone bills, insurance, credit card and loan payments, groceries, and gas, they find themselves over their income by a few hundred dollars every month....
Hey there! As a failing personal finance blog writer and an aspiring husband, I know that buying an engagement ring can be an exciting, yet expensive, purchase. In this post, we’ll be discussing how to buy an engagement ring on a budget. It’s important to consider budget when shopping for a ring because engagements and weddings can be a significant financial burden. The cost of the ring is just one aspect of the overall expense, which also includes wedding planning, venue, and more....
Investing in the trucking industry can be a lucrative decision, especially given its pivotal role in the economy. Every single day, trucks play a central role in transporting essential goods both nationally and internationally. This underpins the stability and growth potential of this sector. But, here’s a thought: what if you wish to invest in trucking without driving? Well, you’re in the right spot! This article is tailor-made for those who:...
Today I stumbled upon an interesting acronym COAL WAS WEALTH, which is a list of on-scene considerations for first arriving officers and command staff during a fire incident. The acronym stands for Construction, Occupancy, Area, Life hazard, Water, Auxiliary systems, Street conditions, Weather, Exposures, Apparatus and personnel, Location, Time and Hazards. Each segment of the acronym is important to understand and consider in order to accomplish tasks and tactics associated with a prolonged fireground progression....
When it comes to managing finances, one important aspect to consider is credit scores and what they mean for a client’s financial well-being. A credit score is a numerical representation of an individual’s creditworthiness, and it is used by financial institutions and lenders to determine the likelihood that an individual will repay a loan or credit card debt. There are several key factors that go into determining a credit score, including payment history, credit utilization, length of credit history, and types of credit used....
Embarking on the path to financial wisdom often feels like setting out on a grand adventure—it’s thrilling, a bit daunting, and absolutely rewarding. In the treasure trove that is personal finance, knowing where to dig is key. Financial wisdom isn’t about hoarding gold coins in a chest; it’s about understanding the map, reading the stars of budgeting, investing, and saving, and navigating through the perilous waters of economic uncertainty with a steady hand on the wheel....
Welcome to the not-so-secret society of credit scores where the numbers you rack up can shape your financial destiny. Credit Scores 101 is not just a crash course; it’s your financial compass, guiding you through the murky waters of loans, mortgages, and those high-stakes money moves. In the grand game of life, your creditworthiness is like your hand of cards, and it’s time to learn how to play them right....
Ever felt like your wallet is a leaking faucet, and no matter how hard you try, your cash flow just drips away into the void? Well, buckle up, money mavens and budgeting beginners alike, because we’re about to drop some serious knowledge on you. Budgeting isn’t just about pinching pennies or living like a hermit; it’s about wielding the power of financial discipline like a boss. The #1 rule of budgeting isn’t some arcane secret or Wall Street jargon—it’s actually pretty straight-up....