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Falling In Love Without Falling In Debt: Five Invaluable Tips for Frugal Dating

July 13, 2021 By Justin Weinger Leave a Comment

There’s nothing more beautiful than seeing two people fall hopelessly in love with one another. From when they initially lock eyes from across the room, to the wonderful moment where they finally say their “I dos,” finding relationship bliss is oftentimes the goal of many people. It’s hard to put a price on love, but the unfortunate truth is, dating does come at a price.

While many people can and do develop lasting relationships without spending a single penny, it seems all but impossible in today’s expensive world. Nevertheless, if you’re looking to find your soulmate — but you’re not interested in breaking the bank in doing so — then you may need to look at alternatives. Here are five essential money-saving tips to help you court your crush, without getting crushed with debt.

Visit Your Local Farmer’s Market

When most people think of a farmer’s market, they tend to think of rows after rows of fresh produce, stacked high on a cart, while the proud farmer stands in front of it. What they don’t realize is that a farmer’s market is so much more than an affordable way to stretch your produce budget. It’s also a great way to check out local vendors and sneak in a little bit of people watching, too.

Not only are farmer’s markets oh-so-much more affordable than shopping at your grocery store, but many farmers also offer free samples of their fresh produce or baked goods. Near the end of the day, they’re all but giving away their leftovers, meaning you can walk out with pounds of delicious, organic food for an impressively low price. Helping your local economy and having a great time is just another perk of it.

Spend a Day at the Library

If there’s one underappreciated resource in your community, it would have to be your library. Your city’s library is an incredible resource for not only books, but a myriad of other things you can check out, too. Did you know that some libraries let you check out recently released movies (hello free date night!) and even tools (if you got bitten by a crafting bug)?

Plus, there’s something remarkably intimate about spending a day with your partner at your library. Sitting side by side, your shoulders touching as you turn the pages of a riveting book, is a fantastic way to destress and unwind. Even better, when you get home, you can discuss the book you were reading. And you guessed it… great conversation is always free.

Take Your Date On a Picnic

Many of your town’s parks are free to get into, making this an incredibly affordable date. If you’re strapped for cash, you can always check out your local food banks, as they are often giving away household staples such as bread, fresh produce, and protein. Simply load up a basket (or reusable canvas bag) with some of your favorite seasonal produce and finger foods, then head to the park.

Once there, all you need to do is find yourself the perfect spot, spread out your blanket, and unpack your lunch. When you finish eating, please be sure to pack up your waste and properly recycle or dispose of it. If the park has a duck pond, you can head on over and feed the ducks. But don’t feed them bread, as that can be harmful to them. Instead, throw some oats, rice, or even corn (all affordable and waterfowl safe!).

Give Back With Volunteering

Sometimes, the best way you can connect with your partner is not by doing something for yourself, but rather, for someone else. Giving back to your community is not only free, but it’s also surprisingly rewarding, too. Many communities are in great need of an extra set of helping hands, and bonding with your date over volunteering can both strengthen your relationship and your bond with your neighborhood.

There are a number of ways you can give back, too. For instance, you can spend a day at your local food bank (a wonderful way to thank them for feeding you when you were down on your luck) or working with a homeless outreach program. If you’re an animal lover, you can reach out to your local animal shelter and offer to walk dogs, or you can assist your local senior services. No matter what you do, you’ll be sure to feel incredible while doing so.

Enjoy a Nature Hike

You don’t have to be a fitness buff to take part in a nature hike. Many of your community’s trails are open to all levels of fitness, ranging from the beginner to the more intermediate and advanced. All you need is a pair of good walking shoes, some water (in a reusable bottle, of course), and enough snacks to keep your energy up. Rather than spending the time chatting, instead, focus on the beauty surrounding you.

Most local parks and trails are free to enter, as well. If you’re feeling particularly adventurous, why not pack a recyclable bag and some heavy-duty gloves, and do a little bit of clean-up while there? That way, you can make sure you’re preserving the splendor of nature for any other travelers who decide to go that route in the future. You’ll make good memories and do good at the same time.

Final Thoughts

Establishing healthy spending habits, and setting a budget, can help set you up for both relationship and financial happiness in the future. If you find you need an affordable accountant to help you do so, the small initial investment can be more than worth it. Finding a budget accountant can be a breeze, as well, as a quick search through your city’s local marketing for accounting firms can readily put you in touch with a low-cost financial expert.

Like the old adage goes, the couple that saves together stays together. By demonstrating early on that you don’t need to spend an exorbitant amount of money early on in your relationship, you can quickly learn that money doesn’t always equal happiness. And by following these five fun, easy, and affordable dating tips, you can help ensure you and your partner enjoy many long, blissful years together!

Filed Under: Financial Truths

Here Are Some Legal Issues You Have to Deal With Long Before You Need Them

July 10, 2021 By Justin Weinger Leave a Comment

By the time you realize you need a lawyer, it is often too late. It might be difficult to find a good lawyer at the last minute. That is why people with means often have a family lawyer on retainer at all times. No one calls an attorney without good reason, they are much like first responders. They are the people you hope you will never have to work with. When you do end up encountering them, it is often a desperate situation where you feel hopeless and afraid. You are definitely not coming at it from a position of strength.

The better way to deal with life’s stickier issues is in advance. Like insurance, you never want to use it. But you also never want to be without it. When the worst happens, you just want to know that you are covered. Even so, there are some situations that aren’t amenable to prior preparation. You just have to hang on tight and hope for the best. Here are a few situations where you can do a little better:

Foreclosure

You do not buy a house or rent an apartment expecting foreclosure in your future. But you are also not setting yourself up for success if you don’t have a plan for what happens if you lose your job and find that you can’t make your payment. You need to know answers to questions like, how does foreclosure work. No one saw the pandemic coming. People who thought they were rent stable found themselves on the wrong end of foreclosure notices.

You can start by educating yourself on the options you have if you one day find yourself in arrears. The first thing you should know is that you actually have options. The second thing you should know is that for best results, those options should go through a law firm with experience in such matters. This is not the moment to play Yellow Pages roulette. You need to know who to call before the first notices start arriving. If you have the kind of health insurance that supplements your income when you suffer injury, that can get you by with most of your bills. When those supplemental checks come, don’t breathe a sigh of relief. Move to the next phase and speak to an attorney about what happens next.

A Living Will

There are good reasons why you need a will even if you’re broke. One of those reasons is that there is more than one kind of will. It is not just a way to legally arrange for who gets your goldfish after you pass. It is also a way of letting people know what your wishes are in the event you find yourself in the need of hard medical choices that you are not able to make at the time.

All hospitals ask you if you have a living will. Unfortunately, this usually comes less than an hour before they give you the gas. If something goes wrong on the operating table, you need to be clear about DNR directives, organ donation, and the like. You do not want your distraught family to have to make a snap judgement in the moment when they are at their emotional worst. That is why you should have a living will or advanced directive made while you are at your emotional best.

Prenuptial Agreement

Everyone knows that money problems can ruin a marriage. What you might not know is that money can also ruin a divorce. If you have a lot of money, or are planning to have a lot of money, you might want to have a serious, adult conversation about what happens to that money, taxes, and assets if something happens to the marriage. It is not a strictly negative thing. You don’t want to leave important matters like the care of your children to the vagaries of a judge who is operating on little sleep and a bad burrito for lunch. Make amicable arrangements while both parties are still amicable.

Bad things happen. When they do, we often need a good attorney. In the case of a foreclosure, a living will, and prenuptial agreements, it is always better to batten down the legal hatches before rather than after the storm.

Filed Under: Financial Truths

How To Change Careers To Increase Your Quality of Life (And Earn More Money!)

June 17, 2021 By Justin Weinger Leave a Comment

Financial security is one of the most significant factors increasing a person’s quality of life. It’s pretty obvious that money is important; you need money to afford basic necessities like food and shelter, but you should also be able to afford some of the pleasures in life.

Hobbies and comforts shouldn’t have to be luxuries that you sacrifice in order to make ends meet. There are a variety of ways you can earn more money, from increasing your value as an employee to making smart investments to accumulate assets, but one of the best steps you can take to increase your quality of life and become more financially secure is switching to a more viable career path.

Not only can switching careers allow you greater upward mobility and a higher salary in the long run, but it can also improve your quality of life in many other ways. A survey conducted by Joblist found that 77% of people felt happier afterward, while 75% were more satisfied. In addition, 69% reported feeling more fulfilled and 65% said they felt less stressed.

Switching careers can allow you to free up more time to spend with loved ones and doing things you like. Most importantly, a career change can help you to feel more free and in control of your own life, rather than trapped in a job that no longer works for you. So, if you’re thinking about changing careers, here are five tips to make the process easier for you.

Think About Why You Want To Switch Careers

One of the most important things you should do when deciding what career switch you want to pursue is sit down and think about why you want to switch careers in the first place. What about your current job is unsatisfying? Do you dislike long hours working in front of a computer? Are you not suited for repetitive work? Do you feel like you’re being underpaid or that there’s not enough opportunity for advancement?

All these questions are important because they can help you to pick a career for the next stage in your life that won’t have you feeling the way you are now in ten years. Remember, you made a choice about your career once before; if you want to switch careers now, it’s important that you learn from that choice in order to make a better one.

Choose a Career That’s a Better Fit for You

Once you’ve figured out why your current job doesn’t work for you, it’s time to explore your options and see what careers would be a better fit for you and your skills. When researching different jobs, it’s a great idea to reach out to someone currently working in the field and ask them about their experience with the job firsthand.

A lot of careers, especially those commonly depicted in popular media, aren’t really well understood by people outside of them. Figuring out what a job actually entails is crucial to deciding whether or not that job is right for you. You can also take advantage of a career counselor, who can help you to find a career path that checks off as many of your boxes as possible for what you want out of your next job.

Go Back to School and Upgrade Your Skills

After you decide on what career you want to pursue, you’ll most likely have to obtain additional training, degrees, or qualifications in order to enter that field. It’s important to do your research and understand what your next steps for transitioning to your new career are. For example, if you wanted to go into nursing, you’d need to complete a nurse practitioner program.

If you’re looking to make more money at your next job, you’ll probably have to go back to school for a period of time. Not only does this mean you’ll have to go through a little while without a full-time job, but it also means you’ll need to find funding for tuition. If your savings don’t cover it, consider researching to see if your government or bank offers financial aid for older individuals looking to obtain additional training for a career change.

Be Prepared To Take Risks

Before you begin the process of switching careers, it’s vitally important that you understand what you’re doing. By resigning from your current job to go for training or back to school, you’re taking a risk and sacrificing your current employment and relevant experience, likely to start from scratch again.

Although there’s a lot to gain from it, you’re still taking a gamble, and you’ll have to be prepared to take bold risks in order to make a career change successfully. You must be willing to go all the way; if you quit or decide it’s not worth the risk midway through the process, you’ll just have ended up wasting a lot of time and money for nothing. You may end up needing to move, whether it is to somewhere less glamourous like the Midwest for a high rated position at a company of your choice or maybe the opposite and you move to Southern California or Florida but sacrifice pay to start lower at a company in your dream destination or industry.

Make Sure You Have a Fallback Plan

Although a career change is inherently risky, it helps a lot to have some sort of fallback plan, just in case things don’t work out the way you want them to. Leaving on amicable terms from your current job and maintaining good relations with contacts and colleagues in your old line of work is a good idea just in case you end up needing to go back. While you should never plan to give up, it’s always smart to plan for the worst, just in case.

No doubt, changing careers is a scary prospect, and it can make anyone feel anxious. However, it’s also an incredible opportunity and an exciting beginning to a new (and hopefully better!) chapter of your life. With these five tips, hopefully you can put yourself on a better path — leading to a more fulfilling, happier, and richer life ahead of you!

Filed Under: Financial Miscellaneous

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