This is a finance podcast, but cool. We share real-life experiences where David and the producers crack jokes while also diving into financial literacy and success. This podcast finds the perfect balance between having a laugh and getting down to business.
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This is the 1st installment of the Four Pillars to Financial Success, for the rules of living comfortably, and the number one item is do not have credit card debt. What this means is that you can use your credit cards; however, all of your statement balances must be paid off each month. First and foremost: when one carries credit debt that is collecting interest, then it means that he or she…
Do you recall a time where a credit card offer arrived in the mail and blank checks were attached? These are called convenience checks which can be attached with your current credit card or a new company. These blank checks are linked directly to a current credit card's line of credit or when you are establishing an account with a new issuer. They function like a personal check but draw money from…
Buy Now Pay Later Services or BNPL have grown immensely in popularity over the recent years and the appeal is obvious with their convenient alternative to the traditional credit card. So let’s review the main pros and cons.BNPL services offer several benefits that make them appealing to many shoppers. They provide easy approval, often requiring only soft credit checks—or none at all—so they’re…
A home warranty can be a useful financial tool for homeowners, especially when major appliances or home systems unexpectedly break down. (This is where the Rainy Day Fund comes into play that we’ve previously covered in previous topics) The cost of these plans averages from $600 to $900 per year, depending on the level of coverage and provider and service calls typically range from $75 to $150 per…
Seeing that 75% of Americans live paycheck-paycheck and can’t afford to retire at 65 years of age, this means that they cannot afford their homes. With this statement you may think that is not right! People stay in their homes without missing payments throughout their lives. This may be true; however, when you look at it holistically, a different viewpoint emerges. So let’s discuss. According to…
It’s no secret that medical bills are among the most significant expenses we face in our lifetimes. While we often can’t control the cost, there are several ways to soften the financial impact.Let’s perform a diagnosis—and a treatment plan: Verify Insurance Processing: When you receive a medical bill, confirm that your insurance claim has been fully processed. It’s common to receive a bill before…
For most owners, when they purchase their homes, the monthly mortgage payment is a fixed amount for 30-years and sometimes 15, people still become accustomed to a standard payment each month. On top of the mortgage payment is an escrow account established by the lender to manage payments typically for property taxes, homeowners insurance, and, in some cases, private mortgage insurance (PMI). So…
In the prior personal finance tip #97 which was how to save on the little things, we mentioned how to be awarded with Amazon digital credits for delaying delivery and we mentioned buying a monthly car wash plan. We also covered the value of buying long term products and services rather than single use items which occur multiple times. Lastly, we covered the value of buying products on the basis of…
Website https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcast When it comes to budgeting, people think about the monthly expenses for items…
According to Bloomberg, auto insurance rates in the US have increased by 37% since January 2020, and as of December 2024, the trend shows no signs of slowing down.This is understandably concerning. When you factor in car payments, fuel, and maintenance along with insurance, auto expenses can easily become one of the largest budget categories. Several factors contribute to this rise, with two major…
