Beating Broke

Personal Finance from the Broke Perspective

  • Home
  • About
  • We Recommend
  • Contact
  • Privacy Policy

Powered by Genesis

Search Results for: life insurance

3 Low-Cost Tips to Keep Yourself Out of the Dentist’s Office

January 6, 2025 By Erin H Leave a Comment

Keeping yourself out of the dentist’s office doesn’t have to be an expensive endeavor. From proper daily habits to budget-friendly dental products, there are numerous ways to maintain good oral health. Preventative care is crucial for long-term dental health and can save you both discomfort and money. In this article, we’ll explore three cost-effective strategies to help you avoid frequent visits to the dentist.

Maintain a Regular Oral Hygiene Routine

Regular oral hygiene is the foundation of dental health. Brushing your teeth twice a day with fluoride toothpaste and flossing daily can significantly reduce plaque buildup and prevent tooth decay. According to the National Institute of Dental and Craniofacial Research, tooth decay affects 90% of adults aged 20 to 64 years old. For those concerned about costs, many affordable toothpaste brands offer essential benefits and protection against cavities.

In addition to brushing and flossing, using a mouthwash can be beneficial. Mouthwash helps to reach areas of your mouth that are difficult to clean with a brush or floss, reducing the bacteria that can lead to gum disease. Dental products such as oral irrigators are often available at a low cost and can enhance your oral care routine.

An often-overlooked tip is to replace your toothbrush every three to four months. A worn-out toothbrush is less effective at cleaning your teeth, making frequent replacements vital. For those keeping a close eye on their budget, multi-packs of toothbrushes or opting for non-electric toothbrushes can be a cost-effective choice.

Limit Sugary and Acidic Foods

Diet plays a crucial role in dental health, influencing both teeth and gums. Consuming a diet high in sugary and acidic foods can increase your risk of developing cavities. According to the World Health Organization, oral diseases affect nearly 3.5 billion people. It’s crucial to make sure your diet is optimized to prevent oral diseases.

Eating a balanced diet rich in vitamins and minerals can promote healthy teeth and gums. Dairy products, leafy greens, and nuts can provide vital nutrients like calcium and phosphorus, which are essential for maintaining the health of your enamel. Focusing on a nutritious diet can be a budget-friendly way to support oral health.

It’s also important to reduce snacking between meals, as constant exposure to sugar can enhance bacterial production in your mouth. Selecting healthier snacks, and consuming water instead of sugary drinks are simple adjustments that can contribute to stronger teeth. These small changes in dietary behavior can significantly decrease the risk of tooth decay.

Visit Your Dentist for Regular Check-Ups

Regular dental check-ups are vital for detecting issues early and maintaining oral health. While this may seem counterintuitive as a way to avoid dental visits, preventative check-ups can reduce the need for extensive and costly procedures later. Further, dental professionals often provide expert advice tailored to your personal oral care needs.

In many cases, dental insurance can alleviate the cost burden of regular check-ups. The coverage varies, but most insurance plans offer free or low-cost annual cleanings and exams. According to IBISWorld, the rise in orthodontics businesses in the United States, with over 15,000 businesses open, indicates a growing availability of dental services. 

Moreover, community health centers and dental schools often provide affordable or sometimes free dental care services. These services can be a viable option for those on a tight budget, ensuring that everyone has access to essential dental services and education. Regular visits enable early detection of possible dental issues, saving you both pain and expense.

Maintaining your dental health on a budget requires a combination of proper hygiene practices, a balanced diet, and regular dental check-ups. By implementing these cost-effective tips, you’ll be on your way to keeping your teeth and gums healthy without breaking the bank. Take proactive measures today to ensure a lifetime of healthy smiles and fewer trips to the dentist’s office.

Filed Under: General Finance

These Are The 5 Poorest Zip Codes In Texas and 5 Of the Richest

January 3, 2025 By Teri Monroe Leave a Comment

Wealthiest and poorest zip code in Texas
Image Source: 123rf.com

Texas is known for its vibrant culture, food, and quality of life. From Houston’s Space Center to The Alamo, Texas has much to offer visitors and residents alike. The state has experienced significant growth in recent years, and its economy has boomed. Many industries have flocked to the state, creating high-income wealthy cities and towns within the state. But at the same time, some areas continue to struggle with poverty. If you’re looking to move to the state, we’ll help you determine the best places to live. Read on to learn about each Texas zip code.

Poorest Texas Zip Codes

Even though the percentage of people living in poverty in Texas declined slightly over a five-year period from 2018 to 2022, the state is still ranked eleventh in the country for the highest poverty rates. In total, Texas is home to nearly 7.2 million poor and low-income eligible voters who make up 33.76% of the population.

1. Tennessee Colony

Tennessee Colony, Texas is ranked as the number nine poorest zip code in the nation. If you don’t know where it is, Tennessee Colony is an unincorporated town in Anderson County, Texas. Only a few hundred people live there. It’s also home to three major Texas Department of Criminal Justice correctional facilities including the George Beto Unit, the Coffield Unit, and the Mark W. Michael Unit. 100% of those who live there are living in poverty.

2. Pharr

Pharr is a suburb of McAllen, Texas. It is connected by a bridge to the Mexican city of Reynosa, Tamaulipas. Just under 80,000 people live in Pharr. Of that 80,000, more than 40% of its population lives below the poverty line.

3. San Antonio

San Antonio Riverwalk poorest zip code in Texas
Image Source: 123rf.com

Of the five largest cities in Texas, San Antonio has the lowest median household income. In 2022, about 18% of San Antonio’s residents lived below the poverty line. In reality, the rate of poverty is lowered by more affluent San Antonio suburbs like the North side of Bexar County. Ultimately, the majority of San Antonio residents can’t afford the essentials, including health insurance.

4. Carrizo Hill

Carrizo Hill is located in Dimmit County in Southern Texas. Nearly all of Carrizo Hill’s residents live below the poverty line and earn under $10,000 per year. A small town, the population is around 550 in Carrizo Hill.

5. Salida del Sol Estates

The poverty rate in Salida del Sol Estates is 66.7%, making it one of the poorest zip codes in Texas.  It is located in Hidalgo County, Texas just outside of Penitas. Its population is just over 6,000 people.

Richest Texas Zip Codes

Texas is home to many millionaires who enjoy the income-tax-free state. According to The Tax Foundation, Texas is ranked number 13 for its business-friendly tax climate.  Here are five of Texas’ wealthiest zip codes.

1. Downtown Houston

Houston
Image Source: 123rf.com

Oil and gas have continued to fuel Houston’s economic growth. Oil companies like Phillips 66, ConocoPhillips, Occidental Petroleum, Halliburton, and ExxonMobil all have their headquarters in Houston. Located near the heart of the city, River Oaks is one of the most affluent and iconic neighborhoods in Houston.

2. Southlake

Located in the Dallas-Fort Worth metroplex, Southlake is one of Texas’ wealthiest zip codes. High demand from affluent families and limited housing supply make this area very expensive to live in. GoBankingRates ranked Southlake as one of the wealthiest American suburbs in 2024. The report found the typical home in the area is worth more than $1.24 million and residents on average make about $360,078 per year.

3. Bellaire

Another town close to Houston, Bellaire is known for its ideal location. Close to amenities like the Galleria shops, NRG Park, and Texas Medical Center, the quality of life in Bellaire is one of the best in the state. The crime rate is also 20% lower than the national average.

4. Colleyville

Another town in the Dallas Fort-Worth Metroplex, Colleyville is a wealthy zip code in Texas. Close to many of the top aviation, finance, and technology companies, Colleyville attracts high-earning residents. It also has the highest percentage of college graduates in Texas.

5. West University Place

West University Place was ranked the third wealthiest suburb in the nation. Also a suburb of Houston, West University Place has a small-town feel and top-ranked schools. Strict development regulations and lack of land have made West University Place a very desirable place to live. Additionally, the community is focused on maintaining its character and the suburb boasts many parks, vibrant restaurants, and community events.

Texas’ Diverse Zip Codes

From extreme poverty to some of the richest cities and towns in the nation, Texas zip codes are nothing short of diverse. The wealthiest woman in the world Walmart heiress Alice Walton even calls Fort Worth home. If you’re looking to buy a home in Texas, there are excellent opportunities for investment if you choose the right zip code.

Read More

  • 5 Unintended Consequences Of Breaking an Apartment Lease
  • Top 10 Cities With the Best Investment Properties for Sale in 2025

Filed Under: Lifestyle Tagged With: poorest zip codes in Texas, richest zip codes in Texas, Texas economy, Texas poverty

5 Unintended Consequences Of Breaking an Apartment Lease

January 2, 2025 By Teri Monroe Leave a Comment

Unintended consequences of breaking an apartment lease
Image Source: Pexels

Are you considering breaking the lease on your apartment? Sometimes life events like a new job, sudden job loss, or buying a home can cause us to break an apartment lease. However, in these circumstances, your landlord has no obligation to let you out of your lease. Before you notify your landlord, you should be aware of the consequences that could stay with you for years to come and it can be difficult to find no credit check apartments. So, here are some things you need to consider before you abandon your current lease.

1. Loss of Security Deposit

Responsible for unpaid rent when you break an apartment lease
Image Source: Pexels

The most immediate consequence of breaking your apartment lease is losing your security deposit. This is the most common consequence of breaking an apartment lease. If you paid the first month’s rent, last month’s rent, and a security deposit, you should also expect to lose your last month’s rent if you break your lease.

2. Responsible for Unpaid Rent

Your landlord will probably also hold you responsible for any unpaid rent. Depending on the terms of your lease, some landlords will allow you to find someone else to rent your apartment and if successful, won’t charge you for the remainder of the lease. Every situation is different though and your landlord has no obligation to give you this curtsey. Check the early termination clause of your lease for more information. There may be a buyout clause in your lease detailing how much you will owe if you break your lease and how much notice you need to give.

3. Impact on Rental History

Breaking apartment lease impact on rental history no credit check apartment
Image Source: Pexels

Landlords often scrutinize past rental history when you apply for a new lease. Breaking an apartment lease could complicate your search for a new apartment and raise concerns with your new landlord. You may have to pay additional fees to get approved or your application could get denied because of a poor rental history.

4. Legal Action by Landlord

If you break your apartment lease and don’t pay the remainder of the lease, your landlord has the right to take legal action. This could lead to a civil lawsuit and you may incur lawyer fees. In some situations, landlords may be granted the right to garnish wages or could seek the help of a collections agency to recoup any money owed.

5. Credit Score Impact

Early termination of your lease can also affect your credit score. Your landlord could report any unpaid rent to credit bureaus, which will drop your score. This may make finding a new apartment more difficult and you may need to look for no credit check apartments to obtain a lease. You also may have difficulty finding loans in the future.

Exceptions to The Rule

There are of course extenuating circumstances where breaking the lease on your apartment could be appropriate. If you break your lease because of active military duty, you are covered by the  Servicemembers Civil Relief Act and can lawfully break your lease.

Environmental factors may also allow you to break your lease such as domestic violence. The majority of states allow victims of domestic violence to break the lease agreement without penalty by providing landlords with written notice.

If your apartment has uninhabitable living conditions not rectified by the landlord, you could be entitled to break your lease without consequence as well. Again every state has different landlord-tenant laws, so you may want to consult a lawyer before trying to break your lease.

Options If You Need to Break Your Lease

You will have trouble finding a new apartment if you decide to break your lease. You may have to search for no credit check apartments, which are hard to find. Additionally, these kinds of apartments will typically have higher security deposits, costing you more out-of-pocket.

While circumstances may make it necessary for you to break your apartment lease, it’s important to know how it will affect your financial situation now and in the future. This way you can limit the impact as much as possible. If you have additional questions about the terms of your lease, make sure to communicate with your landlord and contact an attorney if necessary.

Read More

  • Top 10 Cities With the Best Investment Properties for Sale in 2025
  • 10 Insider Tips to Score the Best Insurance Even If You Have Bad Credit

Filed Under: General Finance Tagged With: breaking an apartment lease, no credit check apartments, tenant rights

  • « Previous Page
  • 1
  • …
  • 13
  • 14
  • 15
  • 16
  • 17
  • …
  • 36
  • Next Page »
  • Facebook
  • Pinterest
  • RSS
  • Twitter

Improve Your Credit Score

Money Blogs

  • Celebrating Financial Freedom
  • Christian PF
  • Dual Income No Kids
  • Financial Panther
  • Gajizmo.com
  • Lazy Man and Money
  • Make Money Your Way
  • Money Talks News
  • My Personal Finance Journey
  • Personal Profitability
  • PF Blogs
  • Reach Financial Independence
  • So Over Debt
  • The Savvy Scot
  • Yes, I am Cheap

Categories

Disclaimer

Please note that Beating Broke has financial relationships with some of the merchants mentioned here. Beating Broke may be compensated if consumers choose to utilize the links located throughout the content on this site and generate sales for the said merchant.

Visit Our Advertisers

Need to change careers? Consider an Accounting Certificate Program from WTI.