Saturday, October 23
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Budgeting

6 Signs Your Personal Finance Software Makes Life Easier

Budgeting, Commercial Refinance Loans, Personal Finance
6 Signs Your Personal Finance Software Makes Life Easier Finding personal finance software is easy, because there are countless choices in mobile apps, online programs, and finance software you can run on your home computer. But they’re certainly not equal. Personal finance software should make your life simpler, not more complicated, and it should be customizable for your particular life, goals, and needs. You know you’ve found great software when your financial life becomes easier over time. Here are 6 signs your personal finance software makes life easier. 1. You Haven’t Paid a Late Fee in Months Does your personal finance software let you know in advance of when bills are due? It should be easy to set up automated alerts that tell you a few days before monthly, quart...

Affording a Second Child: How to Make Your Budget Work

Budgeting, Family Finance, San Antonio
Having kids is anything but cheap. According to the USDA, families can expect to spend an average of $233,610 raising a child born in 2015 through age 17—and that’s not including the cost of college. The cost of raising a child has also increased since your parents were budgeting for kids. Between 2000 and 2010, for example, the cost of having children increased by 40 percent. If you’ve had your first child, you understand—from diapers to day care to future extracurricular activities, you know how it all adds up. You’ve already learned how to adjust your budget for baby number one. How hard can it be repeating the process a second time? While you may feel like a parenting pro, overlooking tips to prepare financially for a second child could be bad news for your bank a...

9 Ways to Support Small Businesses Without Breaking the Bank

Budgeting, Commercial Refinance Loans
We all have our favorite small businesses, including our go-to date night restaurant and favorite thrift store. These places serve more than great food and looks — they build jobs in the community, put children through school, and are the realization of your neighbor’s dream.  These stores are built on hard work and love, and supply some of the best quality products you can find. Small businesses are a great sign of a thriving economy, but they’re also the first to suffer from economic downturns, like 2020’s COVID-19 recession. This is why it’s more important than ever to find ways to support your community’s businesses. There are many reasons why small business success is vital. Not just for the economy but for our communities. That’s why Small Business Saturday (November 2...

How to Throw a Bridal Shower on a Budget: A Guide for the Frugal Host

Apartment Communities, Budgeting, Frugal Living
Between impressive floral arches and customized sugar cookies, throwing a picture-perfect bridal shower aimed at being a social media showstopper can be pricey. CostHelper.com, a website that compares the cost of services, reports that a typical bridal shower can run from $15 to $40 per person for a luncheon or party in a private room at a mid-range restaurant. If you’re going all out with an elaborate bridal shower, you could be talking $40 to $150 or more (gasp!) per person. Even a small, elaborate bridal shower (think 15 guests) could cost between $600 and $2,250—and that’s before invitations, decorations and cake. The good news is you can actually honor the bride and your budget at the same time. A bridal shower with simple refreshments at the host’s home, for examp...

Everything You Need to Know About Budgeting As a Freelancer

Budgeting, Frugal Living, Interest Only Loans
Could logging in to your computer from a deluxe treehouse off the coast of Belize be the future of work? Maybe. For many, the word freelance means flexibility, meaningful tasks and better work-life balance. Who doesn’t want to create their own hours, love what they do and work from wherever they want? Freelancing can provide all of that—but that freedom can vanish quickly if you don’t handle your expenses correctly. “A lot of the time, you don’t know about these expenses until you are in the trenches,” says freelance copywriter Alyssa Goulet, “and that can wreak havoc on your financial situation.” Nearly 57 million people in the U.S. freelanced, or were self-employed, in 2019, according to Upwork, a global freelancing platform. Freelancing is als...