Peter Goldstein

How Much Should You Spend A Week on Food?

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How Much Should You Spend A Week on Food?

In this article, we’ll discuss the important topic of: “How Much Should You Spend A Week on Food?”

Overview

Are you someone who does not have a dedicated budget for food expenditure? After the cost of a stay, food takes up a considerable amount from your earnings. And if you are someone who likes to experiment with food and usually go for eat-outs, that can be a severe threat to managing your budget. 

It is always recommended to allot a budget for your food expenditure to prepare for a larger goal or spend on something you have long desired. But the calculation is not the same for all. It can vary with a person’s earnings, choices, and lifestyle. 

In this article, we will discuss how much you should be spending on food in a week.

How Much Should You Spend A Week on Food?

A normal American spends almost 1/3rd of their income on food. However, food is a personal and individual thing that one has to decide depending on multiple factors. So how much is optimum for an American to spend on food? 

There are, however, a lot of guidelines and resources that will tell you where you should start. But beyond that is up to an individual to decide how much amount is to be spent on themselves and their families for food. It is okay to spend $35 to $70 per week on food. But various factors are also involved. 

Let us look at the various factors that determine food expenditure in a week for an American. 

Factors Deciding the Spending on Food in A Week

Income

The most crucial factor to consider is the household income. A survey of 2017 shows that out of $73,573 pretax income, $7,729 was spent on food, which makes it the 3rd largest expenditure after housing and transport. Amongst this too $4,363 was spent on home-cooked meals, and $ 3,365 was spent on eating outside.

Beyond this, too, there is further spending allocated depending on the income levels. For instance, the lowest income band had spent $3,938 on food annually. At the same time, the highest income band spent around $16,309. 

But it is not always the average spent. This also indicated that it’s essential to create a budget for groceries or food depending on the individual or household income. 

Preference

Are you someone who likes eating a lot of fast food or someone who often likes to have a fine dine experience? It all depends on your choices. For instance, when they cook one meal at home, it usually gets carried away to the next meal. That means there is a saving of one meal if you are planning to cook at home. 

Taste

Similar to preference, taste too plays a vital role. The expensive food like lobster, meat, fettuccine will cost you more than regular and seasonal fruits, vegetables, bread, noodles, etc. Therefore, depending on what you wish to eat and how often you wish to eat determines the expenditure.

Special Needs/Requirement

This depends on any special needs or requirements that you may be considering to integrate into your life. 

For instance, if you follow a particular lifestyle or under a specific treatment that needs special attention to your meals, it will affect the expenditure. If you are trying to eat only organic or vegan meals or trying to gain a healthy weight, the meals can be slightly more expensive than the other ordinary, regular meals. 

Family Size

This is again a no-brainer. The more the number of people in the family, the higher is the food expenditure. In the survey of 2017, a two-member family’s food expenditure was $7,865. 

But then there was another member who added the amount spent was increased to $9,019. Therefore, the amount spent is exponential when we keep adding members to the family. 

Location

When you live in the city, it is obvious that the food expenses will be higher than if you live in the suburbs. Also, it has been noticed that in America, the food expenses are higher in the west, followed by the Northeast, then the Midwest, and finally the south. 

Ways of Spending Less on Your Food Budget

An average American spends $150 to $300 on food per month for a person. However, there are ways in which you can reduce the budget of the food expenses. 

  • By Using Coupons

There are coupons available in the mail, on google search, in your inbox, etc. You can collect those coupons and get a hefty discount on your next grocery shopping from the store or online. 

  • Freeze the Food

Fresh food often goes bad if not properly preserved. An easy way of doing it is freezing the perishable food items not to go on a frequent trip to the grocery store. 

  • Plan Your Next Meal Ahead

It’s often observed that people tend to eat out when they do not have the next meal ready. Therefore, not just for the next meal, you can plan your meals for the entire week 

  • Shop at Affordable or Convenient Stores

You can save a lot of money by shopping at dollar stores or convenience stores. Also, buying bulk items with a longer shelf life will cost you less than buying individual items. 

Final Thoughts

Although the calculation looks simply, it is difficult to suggest one amount to all individuals. However, considering all the above factors, we would say that $35 to $70 is a good amount spent on food per week. To keep track of your budget, you should consider the above guidelines, and we are sure it will help you. You understand the needs of your family and yourself best, therefore consider wisely. 

Video

Although you will find multiple videos on the internet that will tell you how much you should spend on your food, a video might help. 

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A Quick Way to Make 2000 Dollars

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A Quick Way to Make 2000 Dollars

In this article, we’ll discuss: “A Quick Way to Make 2000 Dollars”

Overview

Are you in urgent need of some thousand dollars? It is understood that making 2000 dollars is not an easy job. With the lack of knowledge and information, people tend to move towards illegal options of earning some extra dollars. There can be realistic ways of making 2000 dollars alongside some hardworking jobs that can pay you that amount. 

Since you are here looking for options, we will take you through some of the ideas that can help you make those extra dollars in a short span. 

A Quick Way to Make 2000 Dollars

People usually try to look for options that are easy and feasible. Some people also try to utilize their hobbies to earn some extra dollars. But at times, it can take up a lot of time to raise that amount. 

On the other hand, there are a few ways by which you can earn this amount amongst which some are one-time methods. Depending on how often you need this amount, you can decide to take up the work. 

Let’s look at eight such options for making 2000 dollars quickly.  

Ways of Making Money Fast

The below-mentioned list will give you some of the options to quickly make 2000 dollars. 

  • Deliver Food for Doordash

With more people ordering food at home, the food delivery companies are continually looking for delivery boys. One of these companies is DoorDash, which is one of the most popular food delivery companies in the United States. 

As per the latest news, last year, every delivery boy had earned around $36,000, which is equal to $3000 per month. All you will need is your vehicle, and the company will provide all the rest. 

  • Rent Out Your Car to Delivery Companies

This is another quick and easy way to make money. There is a constant need for good quality cars for renting. Usually, on long drives and trips, people try to rent those cars, which are sturdy and well maintained. 

If you have a car like that, you can register on the website Hyraces and wait for your clients to pick up the car and pay you the deserved amount. 

  • Start Freelance Writing

 You can start writing blogs, articles, essays and press releases, and much more as a freelance content writer. For that, you can get paid up to 2000 dollars a month. 

You can start looking for work on a few websites like Upwork, Guru, Freelancer, etc. You can also spread the word amongst your network and tell them about the service that you would provide. 

  • Website Designing or Developing

In the digital era, every brand or small business wants its website. So, you choose to design the website by either a graphic designer or a website developer. These are also available as freelance jobs where the demand is constantly increasing. 

If you have the right knowledge and skill, it will hardly take you a few hours, and you can earn around 2000 dollars by designing one website.  

  • Rent Out Your House

Do you live in a prime location? Or do you have a house at one of the most popular tourist spots in the country? You can rent out your home for the visitors to that place. 

You can start with some attractive offers to gain attention, and then you can slowly charge what is deserved. It is another quick and easy way of earning 2000 dollars. 

  • Become an Uber Driver

Uber is one brand that has grown very popular in the last couple of years. People usually trust this brand and try to avail the services. The work is shift wise, so you can choose your preferred time for driving around. 

Does not have much hassle for signing up, driving Uber can help you earn 2000 dollar in the quickest time. Leave alone the tips you may receive from the rides. 

  • Invest and Trade in The Stock Market

This will need you to know the market. You must know where to invest. With the initial investment, you can get a high return if you know exactly where to invest. 

Most stocks give you a higher interest rate than that of banks. So, with a small investment, you can get a good return. 

  • Join Multiple Part-Time Jobs

If you are genuinely hardworking and can manage to do multiple shift jobs, then you have a great option to earn 2000 dollars or more. You can choose to do overtime or night shifts to get that extra amount. We understand it can be exhausting, but it will be worth it at the end of the month. 

  • How to Make Money Fast as A Teenager?

Need some extra pocket money? As a teenager, when you are just starting to understand the value of money, you tend to look for options to get some extra pocket money. Here are some options you can try to get to earn some cash. 

  1. By volunteering in cleaning
  2. By babysitting toddlers
  3. By selling homemade lemonade
  4. Teaching young kids and older adults about technology
  5. Volunteering in fundraising activities
  6. Decorating the house

Final Thoughts

There are plenty of options available to make 2000 dollars quickly. All you have to do is find the right job. You can continue making some of the few appointments to have a steady income every month, besides having a full-time job. 

It may sound effortless, but you will need to manage your schedule better to make this work. We hope that we could help you with this information. 

Video

A video that will give you some tips to earn 2000 dollars fast. 

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Is 75k A Good Salary?

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Is 75k A Good Salary?

In this article, we’ll discuss the important topic of: “Is 75k A Good Salary?”

Overview

Are you trying to live off 75k and wondering if that’s enough? Let us tell you that it depends. Most people who earn 75k live their life on a fixed budget. That does not mean it is not sufficient to live off 75k. When people say money can buy you happiness, our question is how much money can buy you happiness. Does buying a car make you happy? Or living on a budget and taking a trip at the end of the year make you happy? Similarly, some people say 75k is just peanuts, whereas some people are satisfied with the 75k. 

We are going to discuss in detail, is 75k a good salary for a decent living. 

Is 75k A Good Salary?

The amount 75k is said to be a magic number. The reason being, on average, every American can afford to pay off the necessary living expenses and have only a little to be spent on their desires. That means that 75k is just enough to support your family and buy what is necessary. It can never allow you to buy anything that you want. 

Factors That Justify If 75k An Excellent Annual Salary

Multiple attributes decide if 75k is a good enough salary or not.

  • The Place When You Live

The location of your stay determines the cost of living and the various state taxes. In the United States, you will have to pay federal, local, and state taxes. However, there is no income tax in a few states, which means you get to take home more amount. But in some of the states, there was a fixed 5.1% tax. Different places have a different set of local/property taxes imposed. 

Also, considering the location of your stay is essential in terms of the cost involved in staying. For instance, consider Silicon Valley. If you stay in Silicon Valley, 75k is a low salary. But you are planning to stay on the outskirts where the houses’ rents are cheaper, but you will have to commute for 2 hours, then 75k in Silicon Valley may just be okay. 

  • Benefits You Get Beside Salary

The most important benefit that your employer should provide besides salary is health insurance. If your employer does not offer any health care, 75k can be tough to manage. 

There are no mandatory sick leaves or vacations in the United States, which means you will not be paid when you are either fallen sick or need some time off work. If the health care plan covers you and your family and which does not have a co-pay or is very limited, then 75k is a decent salary to have a good living. 

But if your employer does not provide that, and you have to approach a private insurer to get yourself and your family covered, be rest assured, you will have to face a hard time. Most private insurance has high co-pays with minimal coverage. 

In between all this, if you lose your job, you still have to pay for the insurance while you are looking for a new job. 

  • Savings for Retirement

What are your plans for retirement? In the United States, there is nothing called a pension scheme. Social security will also not cover someone 100%, mostly when they have worked their entire life in the United States. Therefore, you need to have some amount saved for your retirement. 

There are a few employers who have a 401k Scheme. Under this scheme, you need to contribute a part of your salary, your employer also contributes something, and that amount is then invested pre-tax. This means that the money you will invest will reduce the taxable income. 

If you have an excellent 401k plan and the market is stable, you will get a decent sum of money while retiring. Believe us when we say this, you do not want to be poor and old in the United States.

  • What Is A Good Salary for A Single Person in the US?

The cost of living in every state of the United States is different from the other. In a few states, a person can live off 23k, and in some other states, 40k is just sufficient to make their ends meet. Here are a few examples to tell you how much a person will need in each of these states to survive in the United States. 

For Alabama, the required income is approx. 23k, for California, it is approx. 31k. For living in Florida, your income needs to be around 25k, and for Hawaii, your income has to be 32k. All these amounts are before tax reductions. 

By now, you must have gotten an estimate on the amount you need to earn for a decent living in the United States. 

Final Thoughts

To sum it up, 75k is not such a decent salary if you are the only earning member in the family and you do not get any extra benefits from your employer. Based on your quality of life, needs, and requirement, 75k can be a good salary if you live on your own. Therefore, we cannot say for sure if 75k a good salary, as it depends entirely on the factors mentioned above. 

Video

This video illustrated if 70k-75k good enough to live in the United States. 

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How to Move to Los Angeles Without A Job?

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How to Move to Los Angeles Without A Job?

In this article, we’ll discuss the important topic of: “How to Move to Los Angeles Without A Job?”

Is the city with the Hollywood sign, Los Angeles, the dream city you have wanted to move to? Well, as many people say, Los Angeles is the city of stars. You may find your neighbor to be Kylie Jenner or any other celebrity. But is it a good idea to move to this city without a job? We shall find out. 

We understand why you wish to move to Los Angeles. But before you relocate without a job, you must understand and compare the pros and cons of the city. There can be both social and economic considerations that you must note before you decide to move. 

Therefore, we are here to give you every detail of why and how you should move to Los Angeles without a job. 

How to Move to Los Angeles Without A Job?

To understand how to move, you must always have a plan A and plan B ready. We are here to tell you to plan A. These are the things you can do to afford a life in Los Angeles without a job. Let’s get started. 

Use Your Savings

Isn’t is it obvious! Before moving to any city, you must have savings to survive a month or two at least. Los Angeles is said to be the city for the riches. You must do a little research online on the expenses that are to be incurred when you move to the city. Then you will have a clear idea about how much savings you will need to survive in the new city without a job. 

According to most people that have moved, surviving in L.A. without savings can be more challenging than you think. So, we suggest you bring money to stay longer. 

  • Stay with A Friend or Family or Acquaintance

The cost of staying in a one-bedroom apartment in Los Angeles is $2300, according to Business Insider. If you find a place to stay in the initial days, be it a long distant friend, family, or just acquaintances, nothing like it. 

That is probably the best way you can start living in L.A. It will help you with the finances and help you with tips to navigate the new city and find its hidden gems. 

  • Find Work ASAP

We do not mean to disappoint you, but finding a job in Los Angeles can be challenging. It is the city of dreams, but not all dreams come true. If you are trying to find a job in the beauty, fashion, and lifestyle industry, you are in luck. 

But if not, we suggest you look for service jobs. Service jobs can give you decent money until you find the job you want, which pays better. 

You can also sign up for freelance jobs for some extra income. Finding the right job can take months in Los Angeles or maybe longer. So, we suggest you come prepared.  

  • Look for A Rented Place to Stay

It is a good idea to move out of your friend’s or family’s house as soon as you find a job. But in Los Angeles, finding the right house can be a task in itself. If you are trying to find a place online, we suggest you do not believe everything you see online. 

Pictures can be deceptive. You must visit the place, see it yourself, calculate the commute time from your workplace and then decide. The real estate agents can help you find a home. 

  • Use A “Lyft” To Go Places

Like every city, the city also has a range of transport options for commuting. Although most people staying in Los Angeles prefer to drive their car. But according to your commute time and distance between work and home, you have to choose which to use. 

You can either use public transportation or even go for a ride-share. Uber and Lyft are very popular ride-sharing options in the city. You can also ride your scooter or bike or drive your car to go around the city. You can rent a bike for $2 for 30 mins or choose to use a day pass for $5 to use the bike for 24 hours. 

Guide on Moving to Los Angeles

There are numerous reasons why people wish to move to Los Angeles. We are going to list a few here for your reference. 

  • The weather in Los Angeles is warm and sunny. 
  • Its weather factors the natural beauty of Hibiscus, Jacaranda, Bird of Paradise, and Bougainvillea flowers.
  • The city has over 100 museums of historical importance and is culturally rich.
  • The city has varied employment opportunities in the Entertainment, Fashion, Information and Technology, Aerospace, and defense industries. 
  • The Entertainment and movie business is flourishing, and most people find their dreams coming true here. 
  • The nightlife of Los Angeles has a different definition of fun, which anyone will surely enjoy. 
  • The food options in this city are what brings many people together here. From fine-dine to eating in “everyday” place, you will find everything. 
  • Healthy living is a “thing” for the people in the city. 
  • The city has a very “chill” vibe and laid-back attitude, irrespective of the profession. 
  • Los Angeles is a confluence of culture and diversity. 

Summary

We did not mean to scare you with all that could go wrong in moving to Los Angeles. Instead, we are trying to help you prepare for a plan B. This city hosts a lot of “from rags to riches” story. A lot of dreams have come true in this beautiful city. So, if you are moving to Los Angeles alone, you make sure to be well prepared for anything that comes. 

Video

This video can help you with some tips to move to Los Angeles alone:

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How to Move to Florida Without A Job?

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How to Move to Florida Without A Job?

In this article, we’ll discuss the important topic of: “How to Move to Florida Without A Job?”

Is Florida an excellent place to move, especially when you do not have a job? Are you someone who has been contemplating this decision lately? We are here to give you some quick analysis of it is a good decision or bad. 

Undoubtedly Florida is a beautiful state. The state with beaches, warm and cozy weather, attractive 16th Century architecture, and famous theme parks. And this goes without saying that you will have to find an employment opportunity to survive in the beautiful Sunshine State. 

Today, we will discuss the factors to consider, challenges, pros, and cons of moving to Florida with no money. 

How to Move to Florida Without A Job?

We understand it must be tough to make that choice, but we are here to show you the bright side. You can move to the beautiful city, but with a plan. 

List Down the Pros and Cons of Moving to Florida

The first and the ideal thing to do when you move to a new place is to list the pros and cons. The pros will give you clarity on why you should be moving. And the cons will prepare you mentally for the worst to come. 

Pros: 

  • No income tax by state
  • The cost of housing is lower than in many other parts of the country.
  • The weather is warm throughout the year, without any snow.
  • Fantastic beaches and entertainment spots

Cons:

  • It gets scorching and humid with hurricanes.
  • Insurance cost is higher than in many parts of the country.
  • More tourists and less full-time residents

Research and Decide on The Best Economic City

Every city or state has its own set of good aspects, which are primarily subjective. This choice of the city can decide whether Florida is going to be your permanent residence or not. Every city has a different population, and the cost of living also varies. 

For instance, Pensacola has a population of 53,779 as per 2016 Census data, and the home price is $136,300. 

On the other hand, Jacksonville is the most populated city in Florida, with 880,619 residents. And the median home price is $154 700. Besides that, the positive point is it’s culturally dense, bustling with all kinds of people.

Therefore, you will have to pick a city following your needs. 

Find A Job

Finding a job is not difficult in Florida if you know which industry you will be interested in. The most popular sectors to get a job in Florida is:

  • Tourism
  • Aerospace and aviation
  • Agriculture
  • International and Financial Trade
  • Health Science
  • Sales and Marketing

Decide on Renting or Buying A House

But to live in Florida, you must decide if you want to buy a house or rent it. Each year the housing market fluctuates depending on how many people are moving in or out of Florida. Try to find a real estate agent to help you find a property and try it during the offseason. 

If you are planning to buy a house, make sure you are ready to invest in it, at least for a few years.

Have A Plan To Deal with The Weather

Florida has hot, humid summers throughout the year. If you are someone who cannot withstand snowy winters, Florida is right for you. But if you have to bear the heat, make sure you wear sunscreen. Do consider having an outlet for AC, as you may need them. 

Hurricanes are the worst in Florida. Therefore, before buying or renting a house, make sure you are not in the hurricane evacuation zone. And also, make sure your house has insurance against natural calamities.  

Make A List of Vacation and Enjoyment Spots

Believe it or not, this is another essential factor to consider for a residence. Therefore, you need to know places and hidden gems around the place you stay to enjoy, relax, and have fun. 

The most popular amongst all is the Universal Studios in Florida, which attracts thousands of tourists every year. And the next has to be the Kennedy Space Center. Florida also has beautiful and serene beaches for you to relax. 

How Much Money Should I Save To Move Without A Job?

It can be rough to move out to a new place without a job and extra cash to survive the initial days. But before you land up in the new city, there are few considerations that you shouldn’t ignore. 

  • Calculate the expenses, including all necessities that are to be incurred in the new city.
  • Save at least three to six months of the expenses before you move in.
  • Before you move, it is good to start networking with the locals already present and arrange for an income source/job.

Summary

Florida offers a wide range of job opportunities in the above-listed industries. If you are moving to Florida with no money, we can assure you that it isn’t hazardous. You can have a properly laid out plan and move to Florida without regretting it. You will find yourself relaxing by the beach in absolutely no time. 

Video

Watch this video of a woman names Lali who moved to Florida without a job and what she did to overcome that:

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Is 40k A Good Salary?

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Is 40k A Good Salary?

In this article, we’ll discuss: “Is 40k A Good Salary?”

Overview

Are you a fresh college graduate wondering what can be the optimum salary for a fresher? To answer that question, we will have to find out which field you are trying to look for a job in. If you are an experienced professional trying to switch jobs, you might already be aware of the market standards. But your current job offer is giving you a 40k salary, and you are interested in the profile. 

It is then natural to wonder if 40k is a good enough salary for both a fresher and an experienced professional. 

We have gathered a few data on this subject. And in this article, we will find out if 40k is enough for you to survive in the United States. 

Is 40k A Good Salary?

In simple words, yes, it can be a good starting salary for a single person. But it is slightly lower than the median salary in America. However, this is dependent on various other factors. 

For instance, if you are planning to live in the middle of the city, the expenses will be higher. Besides paying your bills, saving for retirement, you need to have a minimum standard of living to maintain. You will then have to plan for staying in a place where all these do not seem to feel like a burden. 

The flip side is, you will have to spend hours on transportation to the cities, where you will have the main offices. 

Multiple other factors are to be considered before deciding if 40k a good salary for an individual.  

Ways of Surviving On 40k Salary

Now that you have decided to take up the job that will pay you 40k per year. Let us find out how you can manage the budget to make the most out of the income.

  • Find the Ideal Rent

The first thing that comes to your mind when you start living on your own is the house rent. And in such scenarios, there can be two schools of thought. The first is when people think that the total monthly income should be equal to or greater than three times the rent. This indicates that if your gross annual income is 40k, the rent you can afford is $111.1. 

But there are other kinds of people who think that 25% of your take-home should be ideal for your rent. This means that if your annual income is 40k, after all the tax deductions, your take-home per month will be $2775. And therefore, your rent should be approximately $694 per month. 

The rent may seem a little low, but believe us, that should be the least of your worries. If you like being in a big spacious apartment, you can do so and then find roommates to share it with you. That way, you can save a lot on your income. 

  • Plan A Budget

As mentioned earlier, 40k is not that great when you consider the average salary in America. Therefore, you will have to be on a fixed budget to make the most out of your 40k annual income. 

While you are making a budget, you will have to remember that you have to save some retirement savings or emergency fund. This amount can only be used in times of emergency or after your retirement. 

  • Clear All Your Debts

You have to make sure that you are as far away as possible from any kinds of debts. Having more debts will make it difficult for you to plan your budget and expenses successfully. If you are in any debt, you must immediately make a plan to get out of it. 

  • Keep Track of Your Money

This means exactly what it says. You need to have better financial knowledge of your earning and expenditure. It may take your first few months to understand the balance. But it is essential to start early. Only when you know how much you are earning and how much you are spending will you save better. 

  • Invest

This is perhaps the least explored. A good investment at an early age will give you huge returns after some years. You need to give away a considerable amount of money to investment planning. For example, if you are investing just $500 every month for the next 30 years. With a constant interest rate of 10%, after 30 years, you will earn $100000 only from the interest. You are planning well now, and you will not have to worry about your future or any crisis. 

  • Cities Where A 40k Salary Is Not Enough

There are a few cities like Ohio, West Virginia, Missouri, Arkansas, etc., where a 40k salary is sufficient for a decent living. Unlike these cities, there are a few cities in the United States where it is significantly tough to survive on 40k. They are Manhattan, San Francisco, Brooklyn, Washington, D.C., Seattle, etc. you can barely make your ends meet with 40k annual income. 

Final Thoughts

After careful consideration of all the points, we can neither say it’s easy nor mention it’s difficult to survive on 40k annual income in the United States. You will have to plan your income and budget carefully to live on the amount successfully. Besides this, you can also try for some extra income if possible if you find it difficult in a few months. 

Video

This video will help you understand better if a 40k salary good enough for you. 

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What Payment Type Can Help You Stick to A Budget?

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What Payment Type Can Help You Stick to A Budget?

In this article, we’ll discuss the important topic of: “What Payment Type Can Help You Stick to A Budget?”

Overview

Are you amongst those who tend to go bankrupt towards the end of the month because they do not have a proper budget plan? Are you someone, who despite multiple attempts, finds it hard to stick to the budget? Well, a lot of people complain about the same. It is challenging to stick to a budget, and there can be just one explanation for that- improper management of funds. But if you are trying to make reforms, we must tell you that we are here to help. 

This article discusses how to stick to a budget by choosing the right kind of payment method.

What Payment Type Can Help You Stick to A Budget?

Most people complain about not being able to stick to a budget. The payment method plays a significant role in this case. Let us give an example- if you are on Instagram, scrolling through your feed, and seeing a very tempting watch, but it is out of your budget. 

The payment type mentions that you can get it on EMI (equated monthly installments) using your credit card. The installments may seem significantly less compared to the bulk one-time payment that you would have had to make. Therefore, you will cross your monthly budget by using a credit card every time you see such offers. 

Therefore, you must choose the right payment method that will have a check on your budget. 

Ways of Staying Within Budget

Two kinds of payments can help you stick to your budget.

Cash

You must be wondering, in this digital era, who carries cash for transactions. Believe us when we say this, cash transactions are the best payment type to keep you in check. They have a high success rate of keeping you within budget. And if you want to be harsher on yourself, you can try the envelope method. 

The envelope method says that you can withdraw cash and put it in separate envelopes on the day of your paycheck, allocating individual amounts for your bills and expenditure. You start spending from envelopes once you are done with the amount in envelopes that will be the limit for that month. 

It cannot be easy to continue this method forever. A combination of cash and envelop method can surely help. I recommend cash payments because they give you immediate feedback and give you a check on the balance left. 

They are also easy to track. However, the downside is that you will have to carry a lot of cash with you, which is also not the safest thing to do. Despite that, cash is proven to be the most successful method of sticking to the budget.               

Debit Cards

This is just a step up from cash. Unlike credit cards, you can only buy things with the amount that you have in your account. It is like paying the entire amount of the item upfront and not paying it at your convenience using a credit card. Debit cards are linked with your account, and you have a limit on the spent. 

There is also something called an overdraft fee. This is a charge imposed when you spend more than what is on your debit card. You need to be cautious about overdraft fees, as the debit card will be blocked until there are sufficient funds available in your account. 

You will have to monitor and note the debit card transactions continuously. If you wish to go harsh on yourself, you can keep a limited amount only in your checking account, and the rest amount can be kept aside for savings for your future investments or hobbies. 

That way, you can both be on a budget and fulfill a larger dream. 

Together with cash and debit cards, we can assure you that you will stay within the budget.

Which Payment Method Has the Highest Interest Rate?

Any loan which you are taking from the bank will impose some interest. There are two types of loans- credit card and payday loans, which will provide you instant cash against a high-interest rate. But which one is higher is the question? 

Payday loans impose a higher interest rate compared to credit cards. The loan process is, if you do not pay back the payday loan with the mentioned two-week period, your amount will be rolled over, and you will have to pay a compound interest rate. 

The longer you take to pay back the loan, the higher will be your interest rate. Therefore, we strongly recommend you stay away from payday loans as the chances of rolling-over are high, thus imposing a higher interest rate. 

Final Thoughts

It is a painstaking job to list down and track all your expenses. But if you wish to stay within a budget, there is no better way than this. When you physically hand over cash, you understand the deficit. That way, you can better manage your expenses along with better financial planning. We hope this article answered your questions on payment ways of staying within a budget. 

Video

Here is a video talking about the different ways in which you can stay within a budget. 

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How Can I Make 600 Dollars Fast?

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How Can I Make 600 Dollars Fast?

In this article, we’ll discuss: “How Can I Make 600 Dollars Fast?”

Overview

Let’s face it, who does not like making quick money! Are you one of those who like to earn some extra cash through quick and easy methods online? With the advancement of digital money-making methods, there are numerous ways available on the internet, by which you can make a few extra dollars. And here comes the best part. These extra $600 can help you pay off an urgent loan, or buy something essential, or maybe just saving for an emergency fund. 

We have compiled six ways by which you can easily make 600 dollars. 

How Can I Make 600 Dollars Fast?

When you are in a rush to make money, you rule out the concept of being scammed. That is where we should warn you. Making money fast is possible, but you need to be aware of scams. People can promise you easy money against an investment. It is always advisable to put in some effort to earn the amount, instead of investing in a cheat or easy funds to double the money overnight. 

We understand in times of need; people often look for desperate attempts to make money. But in all that, you must not forget that most of these are illegal and can land you up in jail. Therefore, let’s look at some of the legal ways to make the extra 600 dollars.  

Ways of Making Money Fast

Listed below are some of the tested and proven ways of making 600 dollars in a short period. 

  • By Playing Online Rummy or Solitaire

If you are good at playing card games online, you can earn a lot of money. You can sign up for any of these games and participate in their cash tournaments. The game is between you and other real-time players, fighting to win the prize amount. 

If you win, the payments are made out through PayPal, and you will have no problem while depositing and withdrawing the amount. 

  • Blogging

If you love writing content, you can make a lot of money through blogging. The setup is easy. You will have to start a page on either WordPress or Bluehost. We must tell you that it may not immediately show up results. 

But with a little patience and good quality content, you will start earning a lot. The ads on your page, the sponsored posts, and the affiliate links will credit your account with massive amounts in the long run. 

  • Participating in Online Surveys

The simplest and perhaps the least effort-taking way of earning 600 dollars is participating in online surveys. Survey Junkie is one such popular survey app that will pay you to participate in these surveys. 

Another website for earning through surveys is Swagbucks. You can earn up to $35 per survey if you are a new user. There is also a sign-up reward amount for newly registered users. 

  • Selling Off Items

The one method which does not need an explanation. These are, however, one-time methods of earning 600 dollars fast. You can also sell off your handcrafted items online and earn a steady income. 

  • Become A Virtual Assistant

People can earn a lot by becoming a freelance virtual assistant. The job of a virtual assistant is pretty simple. As the name suggests, all you have to do is work as an assistant who might need an extra helping hand to organize the work better. 

You can help with scheduling meetings, keeping a tab on the work at hand, taking notes, etc. Virtual assistants work from home at your convenience. 

  • My Making Real Estate Investments

The most proven method of having a constant side income is renting out your property. The real estate prices may fluctuate, but you can expect a steady income from the properties you have given on rent. 

  • How to Make an Extra $500 A Week?

If you wish to have cash in your hand within a week, a few of the aforementioned ideas can also help. Here are some more ideas that can help you earn the instant 500 dollars within a week. 

  • Start Delivering for Postmates

If you have a smartphone and your age is 18 years, you can earn it by delivering food with Postmates. You will just need a bike or scooter, and you are all set to deliver. All the requirements, like insulated bags, will be provided by the company. You can also keep the tips you earn from the deliveries too. 

  • Rent Out Your Car for The Weekend

If you own a car, you can give it for rent over the weekend. On weeks where there is heavy demand for cars, you can get a higher price for renting it out. 

 

  • Teach Kids Online

Although teaching kids online is not an easy task, but it will fetch your quick cash. 

Final Thoughts

There are plenty of ways to earn 600 dollars online. And all these earnings are tax-free. You will have to look for the one that suits you best and start earning from that. These extra dollars can go straight into your saving fund. We hope we could help you with these options.  

Video

Here is a video link that will give you a better idea about earning 600 dollars fast. 

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How to Save 3000 In 4 Months?

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How to Save 3000 In 4 Months

In this article, we’ll discuss the important topic of: “How to Save 3000 In 4 Months?”

No matter how little of an amount you are earning at this point, you can easily save 3000 dollars in 4 months. It isn’t so hard as it seems. 3000 dollars sounds like a considerable amount of savings, but if you do it with the right and sincere heart, the process of saving will be very smooth. If you break the 3000 dollars into four months, it comes off around 750 dollars, which can be very well worked out every month if you plan your expenditure in that way. Sit down once to note down your necessary expenses for the month and how much your income remains. 

How to Save 3000 In 4 Months?

In 4 months, saving 3000 dollars isn’t such a huge deal if one dedicatedly saves some amount every month. Sitting down to calculate the entire month’s expenses is a practical step towards saving a certain amount every month. You might also wonder to yourself how to save 5000 in 3 months? 

But one has to believe saving this much money isn’t hard when you are clear about your saving goal. On the one hand, where planning how to save 3000 in a year seems so achievable, you are suddenly faced with a situation of saving 3000 dollars in 4 months, but take it as a challenge and come out victorious. 

The harder the saving and investment challenges, the greater will be your learnings. Rest assured that this challenge means to teach you discipline and to save etiquette in life. This article talks about the numerous ways that you can actually save money and even live the kind of lifestyle you always desired. 

You don’t have to shake your standard of living except for a little bit, with a few things such as small spending routines and things that don’t even matter. You are not just learning to save; you will learn life lessons you wouldn’t get otherwise.

Let’s look at the ways that you can save 3000 in 4 months. 

Remove the Cable

First of all, just check how many members they are in a family, ask their interests, and ask if they are okay with the cut’s cable connection. 

  • There are cost-effective options that would like to use 
  • Nothing to worry about, even with the cable being cut; there are fantastic online alternatives to watch good content. 
  • Keep your research strong. 

Financial Leaks

The financial leaks are the small purchases you will be making throughout the entire year and life. 

  • The financial leaks are the small and insignificant charges.  
  • When you track spending, you can easily find out about the financial leaks as well. 
  • You have to keep the financial leaks from adding up or draining your savings. 

Take Up Side Hustles

If you take up side hustles, you can both save money and make money. What’s better, you get to do the two together. 

  • Outside of your full-time job, you can do multiple jobs online. 
  • These online jobs include taking surveys and even offering freelance services on websites. 
  • You can even become a teacher if the profession fascinates you even a little bit. 

Download A Few Apps

It is indeed an exciting thing to download a few apps and get to earn real good money. They are money-making apps and simple to use. 

  • You have just to download the likes of Nielsen and Ebates 
  • Engage in activities like playing games, shopping online, and more 
  • You will be given away cashback and even a bonus for sign up. 

Pay Yourself

No matter how much you are earning, you must pay yourself first before anyone else. 

  • Giving yourself enough credit is essential. 
  • It is because of your courage and hard work that you are wherever you are today. 
  • You are the one that taught yourself the saving discipline; acknowledge it for you! 

FAQs

How to save 5000 in 3 months?

No amount of money is ever hard to save or keep aside from our monthly income if we do it with the right heart. If we keep having thoughts that distract us, we may not achieve our saving goal so stay focused. 

How to save 3000 in a year?

The question to save ultimately only boils down to our spirit to save, and with how pure a heart we are working towards saving a certain amount. 

How to save 7000 in 3 months?

The amount we have to save and how long doesn’t matter after a certain point because the heart decides how sooner or later it can get around the saving goal. 

Verdict

How to save 3000 in 4 months? It shouldn’t remain a question anymore with anyone once they’ve learned all about the extra earning and hyper saving exercises. One must pursue their goal of saving calmly without worrying about anything. 

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How to Make A Quick 20 Dollars?

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How to Make A Quick 20 Dollars

In this article, we’ll discuss “How to Make A Quick 20 Dollars?”

Most of us are working and working for the sake of living a good and healthy life. To ensure we are having a financially comfortable time, we are continually looking out for opportunities that’ll help us get by a month. It may happen many times that whatever income we are bringing in every month doesn’t suffice for all expenses. What are we supposed to do under such a circumstance, ever imagined? It’s a common emotion all of us have at some point gone through, but it is okay to feel this way because all of us want a top-up on our respective incomes. 

How to Make A Quick 20 Dollars?

There are multiple ways to make 20 dollars fast. However, 20 dollars doesn’t seem like a considerable amount to invest so much effort for, but the amount still matters a lot because it’s an extra income aside from the salary. There will be considerable expenses every second month; we never thought we were coming, and then we will feel helpless again. 

To save ourselves that feeling, we have to experiment with different ways of earning quick 20 dollars. If we work with the ‘I need 20 dollars right now‘ attitude, nothing can stop us from achieving our extra income goals in life. One needs to have a sense of immediacy when one is working towards a vision. Only with a spirit like this one can stay firm on his path. 

Ever wonder how to make 20 dollars fast as a kid? It isn’t hard to make 20 dollars if you are a teenager because you have fresh ideas, skills, and talents. With whatever skills you have, you can explore different and creative fields of work, see what you are best at doing, and convert it into a fun job for yourself. 

Fiverr

It’s a popular freelance marketplace where you can virtually offer any creative services you want for 5 dollars. 

  • There are multiple categories at Fiverr; you have to choose the one you are best at 
  • You create a gig which talks about your work and your skills. 
  • The gig should be significant enough to impact viewers because that’s the basis of you being shortlisted for your services. 

Search Web

How about searching the web? And if you are fond of searching and analysis, there can’t be a better job for you! People are getting paid to search the web. 

  • There are websites like Qmee.comand Swagbucksthat offer you just to search the web and get paid. 
  • You just have to fill in surveys, watch videos, and even shop online at times; this is how impressive your job is 
  • You earn gift cards for all those things you do online. 

Can You Become A Transcriber?

If you aren’t already familiar with transcription, then maybe you should read about it a little to understand it. That’s how to make 20 dollars fast online. It’s simple! 

  • You just have to convert a video or audio into text. 
  • If you are good at English, you can easily interpret English audios.
  • The transcription websites connect clients to professional transcribers on their own

Try Listverse

If you have decided only to earn apart from your daily income, why settle for less money? Why 20 dollars only? Why not more! 

You can even make 100 dollars by giving an exciting write up to Listverse. 

  • It’s an entertainment-based website and accepts content from writers.
  • If your write up is approved, you may be offered 100 dollars straight. 
  • You have to ensure that the article you are submitting is error-free in all ways. 

Airbnb Rent Outs

Ever considered renting out even one room in your house? Do it now to earn some extra cash to top your permanent income. 

  • Reach out to Airbnb, check if your room qualifies for the listings. 
  • Just ensure your space is clean enough and comes with the necessities to support the guest’s needs. 
  • You may even get more than just 20 dollars. 

FAQs

How to make 20 dollars fast as a kid?

There isn’t just one job you can do as a teenager or a kid, as you call yourself. Since you are young, your ideas are fresh and extremely unique. You shouldn’t let this nature of yours go to waste and exercise your creativity somewhere.  

How to make 20 dollars fast online?

It isn’t hard to make 20 dollars fast online, mostly when the internet has made it so convenient to browse through these versatile websites on the go—years ago, who thought that we would be able to make money online coming time. 

Verdict

How to make a quick 20 dollars?

If you have read the entire above article well enough, you will be able to tell about some of the best ways to make 20 dollars faster than can be imagined. 

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