50 Diverse Takeaways from Davos WEF2020

50 Diverse Takeaways from Davos WEF2020

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50 Diverse Takeaways from Davos WEF2020
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Flood insurance- where the rising tide has NOT raised all ships

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Flood insurance- where the rising tide has NOT raised all ships
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What’s the Best Use of Your Tax Refund? 8 Smart Ideas

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What’s the Best Use of Your Tax Refund? 8 Smart Ideas
Getting a sizable tax refund can seem like winning the lottery. All at once, you’re a few thousand dollars richer. It can be tempting to blow that cash without thinking, but you’re wiser than that. You know that your tax refund isn’t free money — it’s your money. If you’re unsure of the best use of your tax refund, remember that it’s a portion of the hard-earned cash you worked for throughout the year and consider these eight smart ways to put that money to good use. 1. Build Up Your Emergency Fund Saving cash aside for emergencies gives you peace of mind that you can financially weather a crisis. Unfortunately, many Americans have much less than the recommended amount for an emergency fund. If you have less than three-to-six-months worth of living expenses, funnel some of your tax refund to your emergency fund. Pro Tip Keep your emergency fund savings in a liquid, no-risk account that’s easy to access when you need it. Earn interest with a high-yield savings account or money market account. 2. Pay Down Debt Relieve yourself of some of the pressure weighing down on you from debt. If you’re a fan of the snowball method of debt repayment, put your refund toward one or two of your smaller debt balances. Once they’re paid off, work on your next largest debt.  If you’re more of a debt avalanche fan, use your tax refund to pay down a larger balance that has the highest interest rate. Even if you don’t pay it off completely, reducing the balance means you’ll pay less in interest. 3. Contribute More to Your Retirement Funds Hopefully you’re already contributing to a 401(k) plan or individual retirement account (IRA), but are you maxing out your contributions? The 2020 401(k) contribution limits are $19,500 for individuals younger than 50 or $26,000 for those 50 and up. This year, you can contribute up to $6,000 in an IRA if you’re younger than 50 or up to $7,000 if you’re 50 or older. The more you add to your retirement accounts, the greater your money can potentially grow. Even if you can’t afford to increase the percentage of your paycheck that goes to retirement each month, you can use your tax refund to make a one-time, lump-sum contribution. 4. Save for a Big Bill Think about what big expenses you have coming up on the horizon that you haven’t budgeted for — like your auto insurance premiums or getting braces for your teen. If your monthly income can’t support such an expense in addition to all your regular bills and obligations, using your tax refund is a smart choice in lieu of dipping into your emergency fund or turning to credit cards. FROM THE BUDGETING FORUM Changing my eating habits is changing my finances 1/8/20 @ 2:56 PM Family Budgeting Strategy for Youth 2/10/20 @ 4:42 PM K Pay all bills on one day or spread throughout the month?? 2/6/20 @ 5:59 AM See more in Budgeting or ask a money question 5. Fill Out Your Sinking Funds You’re probably juggling multiple savings goals. Maybe you’re trying to stack cash for a cross-country move while saving for a wedding. Or you’re saving to welcome a new baby into the family while putting money aside for your older kid’s birthday party and concurrently saving for a down payment on a minivan. Each sinking fund — which is just a personal finance term for a pool of money you add to over time to break up a large expense — could probably use an influx of cash. Distribute a portion of your refund money to each savings goal — or funnel it all toward your most pressing need. 6. Invest in Yourself Sometimes it takes money to make money. Is there a certification program you can take or a piece of tech equipment you need to enhance your career and help you get a better-paying position?  Or perhaps you have a business idea you’ve been wanting to get off the ground but just needed some initial capital. Invest your tax money in something that’ll help you generate more income. 7. Save for Your Kids’ College Education College is a big-ticket expense for most parents. Even with scholarships and financial aid, families can expect to have significant out-of-pocket costs. Get in the habit of putting your tax refund toward saving for college to help offset your child’s looming tuition bill. A 529 college savings plan is a common option to store your funds. Pro Tip If your kid is still in diapers, it may seem more practical to put your extra money toward more immediate expenses, like the cost of daycare. There’s always time to save for college later. 8. Make Home Improvements Home upgrades can be expensive, but they can also increase the value of your home when it’s time to sell. If your roof is due for replacement, you’ve got major appliances that are decades old or you simply want to give your kitchen a facelift, tap into your tax refund to take care of those home improvement projects. Nicole Dow is a senior writer at The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Small Business Fintech is levelling the playing field with big business over cost of capital

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Small Business Fintech is levelling the playing field with big business over cost of capital
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FINRA Requests Comments on Proposed Amendments to CAB Rules

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FINRA Requests Comments on Proposed Amendments to CAB Rules
On January 14, the Financial Industry Regulatory Authority (FINRA) issued Regulatory Notice 20-03 announcing that it had concluded its retrospective review of Rule 5250 (Payments for Market Making), which generally prohibits members from receiving payments for market making. Based on the review, FINRA has elected to maintain the rule without change. Regulatory Notice 20-03 is available here. [...]
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5 Cellphone Plans That Come With Free Streaming TV

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5 Cellphone Plans That Come With Free Streaming TV
This post comes from partner site WhistleOut.com. All major carriers like AT&T, Verizon, Sprint and T-Mobile now offer incredibly competitive unlimited data plans. In their effort to win your business, these carriers (and some smaller mobile companies) are now offering streaming service as a free perk for signing up for one of their unlimited plans. So, if you’re in the market for an... [...]
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Australian Fintech Assembly Payments Lands JV with Standard Chartered Bank

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Australian Fintech Assembly Payments Lands JV with Standard Chartered Bank
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Speaking of Blockchain, what of its place in insurance?

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Speaking of Blockchain, what of its place in insurance?
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SEC Division of Corporation Finance Issues C&DIs on Omission of Third Year From MD&A

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SEC Division of Corporation Finance Issues C&DIs on Omission of Third Year From MD&A
As previously discussed in the April 12, 2019 edition of Corporate & Financial Weekly Digest, the Securities and Exchange Commission adopted final rules on March 20, 2019, that allow registrants to omit a discussion and analysis of the earliest of the three years of required financial statements from the Management’s Discussion and Analysis of Financial Condition and Results of Operations (MD&A) section of their annual reports. Omitting that section from the annual reports filing with the SEC is permissible so long as the discussion of such year is already included in an earlier SEC filing and the registrant includes a statement identifying the location of such discussion in the prior filing. On January 24, the staff of the SEC’s Division of Corporation Finance (the Staff) issued three Compliance and Disclosure Interpretations (C&DIs) to address questions related to the final rule. C&DI 110.02. The Staff clarified that a statement in a registrant’s filing identifying the location of where the omitted information can be found in a prior filing, in reliance on the rule amendment, does not have the effect of incorporating such prior disclosure by reference, unless the registrant’s current filing expressly provides that the information is incorporated by reference. C&DI 110.04. The Staff further clarifies, that, when a company updates an effective registration statement by filing a Form 10-K in which the discussion of the earliest of the three years is omitted and there is a statement identifying the location of the discussion in a prior filing, the prior discussion would not be incorporated into the updated registration statement, unless the registrant’s current Form 10-K filing expressly provides that the information with respect to such omitted year is specifically incorporated by reference. C&DI 110.03. This provides that a registrant may not omit a discussion of the earliest of the three years of financial statements in a filing, in reliance on the rule amendment, if the registrant believes that such discussion would otherwise be required in order to understand the registrant’s financial condition, changes in financial condition and results of operations. In such case, the registrant must either expressly incorporate the discussion by reference from a previous filing or include the discussion in the current filing. The new C&DIs are available here. [...]
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Nimbla To Take Invoice Insurance Mainstream With Barclays Deal

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Nimbla To Take Invoice Insurance Mainstream With Barclays Deal
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From ICOs to STOs and IEOs. What is next in the evolution of crypto fundraising?

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From ICOs to STOs and IEOs. What is next in the evolution of crypto fundraising?
Funding is a prerequisite for any new crypto project or startup. At the dawn of the new decade, we’ve seen a decline in token sales as source of funding. Where is the capital for crypto projects going to come from? Will traditional investment vehicles, like venture capital become more significant or will we see another evolution in crypto fundraising? Ilias Louis Hatzis is the Founder at Mercato Blockchain Corporation AG and a weekly columnist at DailyFintech.com. In 2017, ICOs were the most popular cryptocurrency trend. During that year 875 projects sold $6 billion worth of their tokens. In 2018, 1253 ICOs raised $7.8 billion, but 2019 was a completely different story. In 2019, we saw the introduction of the IEO. In total, token generation events during 2019 raised $3.2 billion (ICOs raised less than $370 million). But very few IEOs last year were able to raise a decent amount capital and only on selected exchanges. The drop can all be attributed to lack of regulatory oversight, a large number of exit scams, failed projects and delayed developments, severely damaging investor sentiment around token sales. While the price of Bitcoin bounced back after the first quarter of 2019, the fate for most of the other coins, like Ethereum, EOS and Tron, was not the same. The introduction of IEOs provided an extra layer of trust and security, when compared to ICOs. An IEO is very similar to an ICO. Investors receive tokens at a discounted price, in exchange for investment. IEOs are conducted on cryptocurrency exchanges, that claim to perform strict due diligence checks, to filter out any bad actors and protect their users. At a first glance IEO figures are impressive. The launch of BitTorrent on Binance in January ended in 15 minutes with over $17 million worth of tokens sold. But only a small number of IEOs have been able to get this kind of activity. IEOs have their own share of problems and many are still skeptical. For the most part, IEOs were more secure than the conventional ICOs. While the IEO experiment showed that ICOs can be rebranded, it also showed that some of the inherent flaws couldn’t be evaded. As smaller exchanges, with more lax requirements, launched their own IEO launchpads, once again fraudulent token sales appeared With declining ICOs and IEOs, blockchain startups are looking for other ways to raise money. Even when ICOs were red hot, there was venture capital investment in crypto companies. Companies like Coinbase and Circle raised money from VCs. In 2018, VCs invested around $3 billion in crypto and blockchain-related startups, around 40% of what was raised by ICOs. In 2019, venture capital investment took a step back. By the middle of 2019, VC funding in cryptocurrency startups accounted for USD 822 million. Security Token Offerings (STOs) have emerged as an alternative. While launching an STO is a complicated process, in 2019 they gained more traction and capital, with 64 STOs, collectively raising almost $1 billion. STOs were born out of the need to raise money in a more regulated way, while keeping the flexibility that tokenized assets offer. Only a few platforms are licensed to host STOs, but a huge surge in interest has led many to seek licenses. Because of this, 2020 will likely bring a new wave of STOs, though these will mostly only be offered to accredited investors, while a regulatory framework evolves. We are also seeing another trend, the Initial DEX offering (IDO). Very similar to IEOs, IDOs are conducted on decentralized exchanges, instead of centralized exchanges used IEOs. Last year, Raven Protocol (RAVEN) conducted an IDO on Binance’s DEX. But for now decentralized exchanges still need to mature in terms of users and volume. For example, Binance’s DEX has a daily trading volume that is under $2 million. When ICOs first came out, I thought they were revolutionary. The IEO model fixed some of the flaws that plagued ICOs and gave developers an effective and faster way to get to market. Even though IEOs started early last year with some fireworks, they did not completely resolve the trust issues, so the investor enthusiasm quickly fizzled out. To make investors feel comfortable again, we need more than ease and accessibility, that ICOs and IEOs offer. We also need to offer IPO-grade regulation and compliance. But most startups are not able to do that. So what’s the middle ground? Well, maybe the solution is STOs, tokenized securities that comply with regulations. But for now STOs are still a hard route, that lacks liquidity and regulatory clarity. Image Source Subscribe by email to join the other Fintech leaders who read our research daily to stay ahead of the curve. Check out our advisory services (how we pay for this free original research) The post From ICOs to STOs and IEOs. What is next in the evolution of crypto fundraising? appeared first on Daily Fintech. [...]
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Security Token news for Week ending 24 January 2020

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Security Token news for Week ending 24 January 2020
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Australia’s Open Banking Dream Drifts Away

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Australia’s Open Banking Dream Drifts Away
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Blockchain Thematic ETFs from the West to the East

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Blockchain Thematic ETFs from the West to the East
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How to Redeem the Welcome Bonus from the Alaska Airlines Visa

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How to Redeem the Welcome Bonus from the Alaska Airlines Visa
After you receive your Alaska Airlines Visa Signature® credit card welcome bonus, the fun begins. Here’s this card’s current offering: Get 40,000 bonus miles and Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make purchases of $2,000 or more within the first 90 days... Ben Nickel-D’Andrea is a writer at NerdWallet. Email: travel@nerdwallet.com. The article How to Redeem the Welcome Bonus from the Alaska Airlines Visa originally appeared on NerdWallet. [...]
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9 Ways to Recover from Overspending During the Holidays

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9 Ways to Recover from Overspending During the Holidays
The packages have been opened. The kids are loving their new toys.  You are enjoying your coffee one morning and reading your mail when you see them… THE BILLS! Yikes! It seems you went a little over your budget. It was fun and the joy you brought to your kids’ faces was worth it. However, ... Read More about 9 Ways to Recover from Overspending During the Holidays The post 9 Ways to Recover from Overspending During the Holidays appeared first on Penny Pinchin' Mom. [...]
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Be Better With Your Money With Help From Our Top Budgeting Stories of 2019

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Be Better With Your Money With Help From Our Top Budgeting Stories of 2019
Budgeting often gets a bad rap. But it’s only unbearable if you think of it that way. Essentially, a budget is just a plan for what to do with your money. We spend so much of our time at work earning a living. We might as well invest an hour or so into deciding the best ways to allocate those funds. Going into 2020, it’s time to stop wondering where the heck all our money goes each month. Here’s to a prosperous New Year — one where we control our money rather than letting it control us. The Penny Hoarder’s Top 10 Budgeting Posts of 2019 We’ve rounded up our favorite stories of the year on starting and maintaining a budget. 1. Download a Free Budget Spreadsheet Template A spreadsheet is a popular way to record your income and expenses. But don’t worry if your Excel skills are rusty. There are various budget spreadsheets available for free online that do the work for you. Whether you budget for the week, month or entire year, there’s a template for you. You can even find spreadsheets customized to specific events, like budgeting for a wedding. 2. Or Use an App to Manage Your Money If you prefer a more digital approach to budgeting, there’s an app for that. Make that, several. We evaluated eight of the best budgeting apps out there. Check out our breakdown of the pros and cons. The bonus? All the apps we reviewed are either free or include a free trial so you can test them out before committing to a paid subscription. FROM THE BUDGETING FORUM What do you do when you have a surprise expense? 2/20/19 @ 10:59 AM How to pay for my trip to Machu Picchu 11/21/19 @ 1:08 PM This week in... The Penny Hoarder Community 11/8/19 @ 9:28 AM See more in Budgeting or ask a money question 3. Include All the Budget Categories That Apply to Your Life Making a plan for your money can be tricky if you forget to account for all the expenses you really have. When you overlook the cost of toiletries or your mom’s birthday present, your overall spending estimate will be off. That’s why it’s important to think about all the relevant categories your spending will fall under. This list of 101 budget categories will ensure you include everything. 4. Know What You Should Be Spending on the Essentials Without a few guidelines, you may not realize you’re allocating too much — or too little — of your money to important categories like housing or retirement. We tapped government sources and industry leaders to get the best idea of what budget percentages you should be sticking to.   5. Don’t Limit Yourself to One Budgeting Method Budgeting is not a one-size-fits-all type of thing. There are many budgeting methods out there, and what works for one person may not work for the next. That’s what Kumiko Love found out when she began her budgeting journey. Instead of wallowing in the defeat of failed budgets, she combined three money management styles to create her own budgeting method.  Love’s budget by paycheck method proves you don’t have to box yourself into one approach to gain control of your finances. 6. Master Budgeting When Your Income’s Not Steady When you don’t get paid every other week like clockwork or your paychecks vary based on how many hours you’re scheduled, it can be a challenge to stick to a budget. But that doesn’t mean it’s impossible. Budgeting when you have variable income requires you to work with income averages and save money in sinking funds to make up for periods of lean earnings. You’ve also got to make smart choices about what gets paid first.  7. Prepare for Worst-Case Scenarios No one likes to dwell on the worst, but the time to plan for financial emergencies is before they occur. One important tip is to regularly budget to build up your emergency fund — but that’s not the only thing you should be doing to safeguard your finances. 8. Rebound From Life’s Curveballs Life’s curveballs — like a layoff, divorce or sudden illness — can wreck your finances. If your family is left with one income when you’re used to thriving on two, what are you to do? These tips help you navigate your financial life when you’re experiencing a major reduction in income. Be prepared to overhaul your budget. 9. Get Back on Track After Blowing Your Budget Everyone makes mistakes now and again… like indulging in too much retail therapy after a really tough week. The goal is to not allow setbacks to derail all your progress. We share five moves to make after blowing your budget. 10. Curl Up With a Good (Personal Finance) Book We love a good money book here at The Penny Hoarder. So does our cohort of TPH Community members. We turned to them for recommendations of personal finance books that have changed their lives for the better. If you’re looking for some additional inspiration to gain control of your money, check out this list of the best personal finance books. Nicole Dow is a senior writer at The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Sign up with EF Education First to work from home as an ESL teacher!

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Sign up with EF Education First to work from home as an ESL teacher!
This post may contain affiliate links. Read my disclosure policy here. Looking for unique ways to earn a part-time income from home? Apply to teach with EF Education First! If you hold a Bachelor’s degree, you can currently apply with EF Education First to to make money teaching kids English online from the comfort of your home! With EF Education First, your teaching is supplemental to what they’re already learning in a classroom environment. You don’t need any mandatory props or teaching backdrops. And you can earn up to $2,000 per month teaching part-time with EF Education First! Interested? Here’s how to apply: Go HERE and and enter your name and e-mail address to get started. Complete the application form. Speak to someone from the recruitment team. If hired, you’ll get a contract and be up and running in as little as two weeks! Go here to apply to teach with EF Education First! Psst! Looking for more opportunities like this? You can also apply with VIPKID or Qkids to teach part-time from home! [...]
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Innovate from the customer backwards- but caveat innovator!

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Innovate from the customer backwards- but caveat innovator!
image The insurance industry is in large part past the hysteria of disruption, innovation and entrants solving the issues of the insurance world, and is moving into the stage of implementation, collaboration and iteration. Startups that have gained traction are now broadening their markets, and in some cases, their offerings. And, the industry is recognizing […] The post Innovate from the customer backwards- but caveat innovator! appeared first on Daily Fintech. [...]
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6 Secrets From Couples Who’ve Paid Off Debt, Built Empires and Semi-Retired by 35

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6 Secrets From Couples Who’ve Paid Off Debt, Built Empires and Semi-Retired by 35
Are you one part of a couple? Someone’s better half? Partner in crime? That’s good news, because we’ve got plenty of money tips from real couples who’ve paid off debt, improved their credit scores and built business empires. They share their tips and secrets to financial success. And, hey, you two can even start using some of their strategies right now. Secret No. 1: Boost Your Nest Egg By “Starving and Stacking” Whether you want to build a nest egg or pay off a substantial amount of debt, the “Starve and Stack” savings method is perfect for couples, especially newlyweds. Here’s how it works: As a couple, you’ll combine your money and live off one income for 18 to 24 months. The other paycheck goes directly into a high-yield savings account or toward your debt. (Shoutout to Nick Vail over at Remove the Guesswork’s website who coined the term!) Personal finance writer Jen Smith put this strategy to the test. Her and her husband were able to pay off $78,000 of debt in two years due, in part, to this strategy. And, no, they didn’t have to starve without meals. Secret No. 2: Enjoy The Spoils of Passive Income and Semi-Retire by 35 Have you ever thought about investing in some real estate? No, you don’t need to have enough money saved for a down payment — you can start with a minimum investment of $500. Through the Fundrise Starter Portfolio, your money will be invested in portfolios of real estate around the United States.  You can see exactly which properties are included in your portfolios — like a set of townhomes in Snoqualmie, Washington, or an apartment building in Charlotte, North Carolina. And you don’t have to be the landlord — Fundrise does all the heavy lifting. As tenants pay their rent, you can earn money through quarterly dividend payments and potential appreciation of the property.  We talked to Christopher and Meghan Miller, who at just 35 and 29, quit their full-time jobs and bought two acres in Berryville, Virginia. They live off their savings and income from side gigs — and use sources of passive income, like Fundrise, to add to their financial security. They own rental properties, too, but Christopher said Fundrise is even better: “I view our investments in Fundrise as something even more passive than the rental properties we own. I don’t have to manage them; I don’t have to do the work to improve the properties; I don’t have to find tenants, evict tenants.” Plus, it only takes $500 to get started with Fundrise — not $50,000. Secret No. 3: Make Improving Your Credit Scores a Team Sport If you and your partner have plans to buy a car or home — or even rent a place — you’ll need a healthy credit score. But if you’re like many of us… when’s the last time you even checked your score? Let’s start there. We suggest using a free website called Credit Sesame. We like it because, again, it’s free, and it takes less than two minutes to sign up. Once you have access to your score, you can take steps to improve it with Credit Sesame’s personalized recommendations. Salome Buitureria and her husband, Alfredo, both struggled with bad credit. Both of them got laid off from their jobs, and the credit card bills started to stack up as they tried to support their nine kids. Their scores were in the low 500s. They signed up for Credit Sesame and started taking its recommendations. For Salome, it helped her find an error on her report and dispute it. It also recommended a rewards credit card she could qualify for that’d help her improve her score. Today, Salmone’s score is around 690, and Alfredo’s is at 701, and now they have big plans to buy a home soon.* Just because you have bad credit now doesn’t mean you have to live with it forever. Credit Sesame will help you get there — it takes approximately 90 seconds to get started. And if you have a partner in crime to keep you motivated along the way? Even better! Secret No. 4: Leave Your Kids $1 Million (Without Being an Actual Millionaire) If you have kids, you’ve probably worried about what’ll happen to them if something were to happen to you… That’s where life insurance can provide a peace of mind. You sign up for a policy and pay a monthly rate, and if you die, your partner and kids will receive the payout. Traditionally, life insurance was seen as something only the wealthy needed, but that’s not the case anymore — especially since policies are so affordable. Consider a life insurance company called Bestow. The application doesn’t take more than about five minutes to fill out, and you can leave your family with $1 million — for as little as $5 a month. Derick Davis understood the importance of life insurance when his dad passed away. His dad had a life insurance policy, but it wasn’t enough coverage, and Davis, then 5, remembers his family struggling to stay afloat financially. When he started looking into life insurance policies for his family — his wife and two sons — he found that life insurance was actually much more affordable than he expected. And now? “It makes me feel that I’m doing the right things in order to give my kids the best chance if something should happen,” he says. It takes minutes to get a free quote from Bestow. Secret No. 5: Start a $350K Business Empire Back in 2007, Adam and Coryn Enfinger were a young, broke married couple who’d just had their first baby. Both of their cars broke down within the same month, and they couldn’t afford a new one. So Adam bought a bike to ride to work. On one of his 17-mile commutes (one way), he had a business idea: Sell screen-printed T-shirts with animals on bikes. Adam and Coryn worked odd jobs to make ends meet while they worked to launch what would become a $350K business, Dark Cycle Clothing. Now, their first few attempts at selling products didn’t go so hot. At one event, they sold maybe two items. Coryn decided to list the extra products on Etsy, and that’s when things started taking off. In 2009, Dark Cycle Clothing became the couple’s full-time career. Since then, they’ve started selling their T-shirts at markets again, which now makes up about a third of the company’s revenue. They’ve even hired someone to help out with photography and customer service. “We were so busy,” Coryn said. “We grew really fast. I sometimes feel like we’re still catching up from the growth in the beginning because we didn’t start with a plan.” “It took three or four years for us to really believe it was going to be our career,” Adam added. The key to building a business together? Get creative, don’t give up, hustle hard and enjoy it! Secret No. 6: Vow to Pay Off Your Debt, For Richer or For Poorer If you’re like the majority of Ameircans, you’ve probably got debt. And unfortunately, it doesn’t just disappear when you get married. In fact, it might feel even more overwhelming if you’re trying to tackle your combined debt together. Here’s what we suggest: Refinance and consolidate your debt. What’s that mean? Take out a personal loan, one that has lower interest rates and more favorite terms than your current situation. Then, you’ll use that personal loan to pay off your debt. You can do this for your debt, their debt and even your combined debt. It might sound counterintuitive at first — like you’re just moving one form of debt over to another — but the truth is, paying one bill each month will be a lot easier, and this could even lower your payments, save you tons of money in interest and/or allow you to pay off your debt faster. If you’re not sure where to start looking, use a website called Fiona. It’ll match you with a low-interest loan — rates start at 3.84%. It won’t make you stand in line or call a bank. (We know you don’t have time for that.) Refinancing and consolidating debt was one of the moves Deacon and Kim Hayes made to pay off $52,000 worth of debt in 18 months. They had a few [...]
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How to Finally Break Free from Anxiety & Stress

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How to Finally Break Free from Anxiety & Stress
Need some practical encouragement to move past anxiety, stress, and survival mode? Longing for life of more wholeness? Don’t miss this episode with Aundi Kolber! Missed previous episodes of The Crystal Paine show? You can listen to them here. Okay, I know I’ve said this before about other episodes, but I truly think today’s episode was one of my very favorite podcast recordings to date! Maybe it had something to do with the fact that Aundi Kolber is a therapist and I felt like I got a therapy session just by spending an hour with her?! 🙂 Listen in to the episode and you’ll see what I mean. Aundi has a gift of sharing so eloquently and yet also in such a heartfelt manner. She just exudes such peace and calmness, but also such profound wisdom and understanding of how we are wired. In this episode, we not only talk about what’s saving our lives (I had to laugh that she talked about something related to brain science and I talk about leggings!) and the books we’re reading, but then we dive into some deep heart topics. She shares what it means to Try Softer (the title of her new book), the difference between Big T trauma and little t trauma and how we might be experiencing the aftershocks of little t trauma without even realizing it and this might be at the root of our stress, anxiety, and overwhelm. Aundi explains thoroughly how the body processes pain — whether physical or emotional. And she provides very concrete suggestions and ideas for how we can start to take steps toward more healing and wholeness. Whether you feel stressed, anxious, and overwhelmed or whether you know someone who does, this conversation is highly important and one that you do not want to miss. I have thought of it over and over again since we recorded last week and will be taking so many nuggets of truth from it to apply to my everyday life. In This Episode:  [00:25] Welcome back! I am so excited to have Aundi Kolber on the show! [01:06] Aundi shares about a little about her background and family [03:43] Meaningful walks are saving Aundi’s life — and the brain science she shares here is fascinating! And then, to keep things a little more down to earth (!), I talk about my new favorite leggings. [09:25] We discuss our current reads, including one written by a therapist and a novel I finished last week.  [13:08] Why did Aundi write Try Softer? (I loved that she wrote it as a love letter to her younger self!) [17:20] We talk about the stigma surrounding the word “trauma” and why it’s important to understand if you’ve experienced little t trauma. [19:27] How can you tell if you’re holding onto the pain of the past and how does it show up in your life? [23:50] What does it mean to “try softer” and how can we apply this in our every day lives? [27:37] Aundi shares practical first steps for beginning to break free from stress, anxiety, and survival mode — even if you feel so stuck and overwhelmed that you don’t know how to take the first step! Links and Resources: Try Softer by Aundi Kolber Aundi’s Website My New Favorite Leggings Maybe You Should Talk to Someone by Lori Gottlieb (Note: Aundi wrote me a few days after the interview to say that she would give a language warning with this book. She said it didn’t show up until the later parts of the book which she hadn’t read yet when we did this interview.) Boundaries for Your Soul by Allison Cook and Kimberly Miller The Printed Letter Bookshop by Katherine Reay Dear Mr. Knightley by Katherine Reay Aundi on Facebook Aundi on Twitter Crystal’s Favorite Things on Amazon CrystalPaine.com MoneySavingMom.com Crystal’s Instagram account (I’d love for you to follow me there! I usually hop on at least a few times per day and share behind-the-scenes photos and videos, my grocery store hauls, funny stories, or just anything I’m pondering or would like your advice or feedback on!) Have feedback on the show or suggestions for future episodes or topics? Send me an email: crystal@moneysavingmom.com How to Listen to The Crystal Paine Show The podcast is available on iTunes, Android, Stitcher, and Spotify. You can listen online through the direct player we’ll include in the show notes of each episode. OR, a much easier way to listen is by subscribing to the podcast through a free podcast app on your phone. (Find instructions for how to subscribe to a podcast here.) Ready to dive in and listen? Hit the player above or search for “The Crystal Paine Show” on your favorite podcast app. Note: This post contains affiliate links. If you click through and make a purchase, we may receive a small commission — at no additional cost to you. Thank you so much for your support! [...]
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5 Shrewd Secrets from Women Who’ve Fixed Credit, Paid Debt and Made Fortunes

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5 Shrewd Secrets from Women Who’ve Fixed Credit, Paid Debt and Made Fortunes
Looking for some advice when it comes to managing your money? We have stories from a former Merrill Lynch executive, a mom of nine who overcame a job layoff and a college grad who was able to pay off $100,000 worth of debt — then start her own business. They share their tips and secrets for financial success. You can even start using some of their strategies right now. Secret No. 1: Women Should Invest Differently Than Men Traditional investing companies have never really considered the fact that women statistically get paid less, yet live longer. That’s why Sallie Krawcheck, the former head of Merrill Lynch designed an investing company for women called Ellevest. With Ellevest, you can start investing with as little as $1. Plus, when you sign up through The Penny Hoarder, you’ll get a $25 bonus in your Ellevest account.* When you sign up, Ellevest will build an investing plan just for you and your financial goals. It considers gender pay differences, any potential career breaks and overall lifespan. Even better? It invests your money in women-owned businesses. Thanks to Krawcheck, we can invest exactly for our needs and feel more confident in our financial future. Secret No. 2: Be an Advocate For Yourself (and Your Credit Score) It’s easy to pass your credit score off as some silly three-digit number — that’s what most of us did throughout our early twenties anyways. But what happens when you want to buy a car? Or a house? That seemingly arbitrary number starts to play a huge role in your life. And here’s the unfortunate fact: You can do everything right, but if your credit report has an error (one in five reports do), it could be holding you back — for no good reason. That’s why it’s important to keep an eye on things. Thankfully, a free website called Credit Sesame will give you your credit score for free and help you detect any errors on your report. If you find any, it will even help you dispute them. Salome Buitureria, a working mom in Louisiana, found a major error on her report — a supposed unpaid medical bill that had definitely been covered by Medicaid. Using Credit Sesame, Buitureria fixed the mistake and took additional steps to raise her credit score from 524 to nearly 700.**  Now? She’s focused on buying a home. It only takes about 90 seconds to sign up with Credit Sesame. Secret No. 3: You’re Not Stuck With Your Credit Card Debt Wanna know something? Even if you have loads of credit card debt right now, that doesn’t mean you’ll have it forever. Heck, that doesn’t even mean you’ll have it tomorrow. What? We’re serious. One of our favorite first steps in escaping credit card debt is to refinance it with a personal loan. It might sound counterintuitive — like you’re just moving your debt from your credit cards to a loan — but the truth is, this could lower your monthly payment, save you tons of money in interest over time, and allow you to pay off your debt faster.. If you’re not sure where to start looking, use a website called Fiona. It’ll match you with a low-interest loan (rates start at 3.84%). You can then use that loan to wipe out your credit card debt. Then you’re left with just one bill to pay every month. Pro Tip When shopping personal loans, look for interest rates lower than your credit cards’ and manageable monthly payments. Oh, and don’t take out more than need to pay off your credit cards. Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. We chatted with one San Francisco resident who struggled to keep up with her credit card debt. She faced a minimum monthly payment of $274 plus $154 in monthly interest plus a $99 annual credit card fee. She said it felt like she was on a treadmill. She decided to refinance with a personal loan, which spared her from what would’ve been $14,000 in interest over time. Secret No. 4: You Can Leave Your Kids $1 Million for $5/Month If you have kids, you’ve probably worried about what’ll happen to them if something were to happen to you… For single mom Rebekah Pearsall, this was difficult to consider. “Since my son doesn’t have a biological father in his life, I wanted to make sure he was secure if something were to ever happen to me,” she said. That’s when she started looking into life insurance. Before you start thinking you don’t have the time or money for that, look into policies through a company called Bestow. It offers $1 million policies starting at only $5 a month. Your application shouldn’t take more than about five minutes. You can change or cancel your plan at any time. Plus, the security of knowing your family is taken care of is priceless. Pearsall had seen firsthand the benefits of life insurance; her childhood friend lost his dad and life insurance helped his family make it through that time financially. It takes only a few minutes to get a free quote. Secret No. 5: You Don’t Have to Have an MBA to Start a Business If you dream of starting a business, don’t let the fact that you don’t have a business degree from an Ivy League school hold you back. (Yeah, imposter syndrome is the worst.) We’ve talked to plenty of women who’ve successfully started businesses on their own. Here’s a story that really resonates with our frugal hearts: The Budget Mom. After graduating college, Kumiko Love had $100,000 worth of debt — student loans, credit cards and medical bills. All that good stuff. Still, she had trouble sticking to a budget. So she gave up. Then she started studying the psychology behind money and that gave her a renewed hope: She started viewing her situation through a positive lens. She combined several budgeting tactics and started logging her process through her blog, The Budget Mom. And guess what? Love is now debt free and she recently quit her full-time job to focus on her seven-figure business, The Budget Mom. *The Ellevest The Penny Hoarder promotional offer is valid for the first 1,000 new clients of Ellevest who enter through this designated landing page. Clients who enroll and fund their non-retirement account will receive $25 added to their highest priority goal in their Ellevest account. Clients who enroll and fund their retirement account will receive a $25 Amazon gift card which can be redeemed by visiting www.amazon.com. Please review Amazon.com Gift Card Terms and Conditions prior to redemption. Ellevest is not responsible for lost Amazon Gift Cards. Ellevest’s processing time for depositing $25 into a client’s Ellevest account or delivery of a $25 Amazon gift card may be up to 60 days. **Credit Sesame does not guarantee any of these results, and some may even see a decrease in their credit score. Any score improvement is the result of many factors, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning and developing better credit habits. Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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New from SmileDirectClub: Straighten your teeth while you sleep!

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New from SmileDirectClub: Straighten your teeth while you sleep!
Want to straighten your teeth while you sleep? Check out this brand-new program from SmileDirectClub! Note: This post is sponsored by SmileDirectClub and contains affiliate links. All opinions are 100% my own. Read our disclosure policy here. As I’ve been sharing my journey with SmileDirectClub, I’ve heard from many of you who are very interested in using SmileDirectClub, but you don’t want to wear retainers all day and all night. Some of you said that it just sounds like a pain. Others of you said that you couldn’t because of your job. One of you told me you work in customer care and are on the phone all day and need to be able to talk clearly and you were worried people wouldn’t be able to understand you as well if you were wearing aligners. Introducing the Nighttime Clear Aligners Program Well, if the thought of wearing aligners all day and all night has been holding you back from signing up for SmileDirectClub, I’ve got GREAT news for you! They just launched their new Nighttime Clear Aligners program. This allows you to only wear aligners at night (approximately 10 hours/day) and to straighten your teeth while you sleep. Now, most of you probably don’t sleep for 10 hours total every night, but you could put these in at 9 p.m. when you’re winding down for bed and wear them until 7 a.m. in the morning. Then, just pop them out, rinse them, put them in the case, and go about your day. Repeat the same thing the next night and the next night and watch your teeth “magically” begin to straighten! The Nighttime Clear Aligners program is twice as long as the regular aligners program (10 months versus 5-6 months), but you never have to mess with your aligners during the day! I think that’s a HUGE score! Best of all, the price is exactly the same ($1895 total or $85/month)! I have been so excited to tell you about this program as I think it is such a great idea and I wish they had had it when I started SmileDirectClub! My 5-Month SmileDirectClub Update Speaking of SmileDirectClub, I’ve been so happy with my overall experience! I can’t tell you how many people have noticed how much better my teeth look — without me ever mentioning anything to them! Now that I’m finished with my 5-month treatment, I only have to wear retainers at night to make sure my teeth don’t go back to where they once were. It is SO NICE to not worry about wearing aligners during the day, but I’m so happy I decided to take the plunge and do this program. It has been everything I hoped and more. Best of all, every time I see a photo of myself with my new smile, I can’t help but smile even bigger. It’s given me a newfound level of confidence. My teeth aren’t perfect, but they are so much better than they used to be and the process was really quite simple, with minimal pain and discomfort. Overall, I would highly recommend SmileDirectClub and have had a really positive experience with them. For years to come, when I see my smile or look in the mirror, I will be grateful to them! Read More of My SmileDirectClub Journey: My Completely Honest Experience at the SmileShop My First Month Wearing SmileDirectClub Aligners Does SmileDirectClub Really Work? (My 90-Day Update) Want to try SmileDirectClub? I highly recommend going to a local SmileShop to get a 3D Scan done. If you don’t have one nearby, though, you can order an at-home Impression Kit. Again, I would personally recommend going into a SmileShop. It’s completely FREE to do so and they do such a great job of giving you such a high-quality scan. But you if you do end up ordering an at-home Impression Kit, use coupon code MSMDEAL to get 50% off the price. And if you decide to sign up with SmileDirectClub, you can also use coupon code MSMDEAL at checkout to get $100 off the price of your Invisible Aligners. [...]
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How to Buy a House Without Help From Your Family

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How to Buy a House Without Help From Your Family
On the highway to homeownership, coming up with a sufficient down payment continues to be one of the biggest roadblocks. In fact, many prospective home buyers, particularly first-timers, find it hard to overcome this challenge without the kindness of loved ones. Among recent home buyers age 28 and younger (who are more likely to be... Beth Buczynski is a writer at NerdWallet. Email: bbuczynski@nerdwallet.com. Twitter: @bethbuczynski. The article How to Buy a House Without Help From Your Family originally appeared on NerdWallet. [...]
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How to Make Your First $100 From Blogging {free class}

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How to Make Your First $100 From Blogging {free class}
Are you a new blogger or a longtime blogger who still hasn’t figured out how to really make money from blogging? You don’t want to miss my new brand-new class on How to Make Your First $100 From Blogging. Best of all, it’s FREE! In this free class, you’ll learn: 5 tried and true ways YOU can make money from your blog today The #1 mistake most bloggers make that keeps them from earning an income My secrets for building a 7-figure blog on a shoestring budget Plus, you’ll have the opportunity to ask me your burning questions about monetizing a blog Go here to sign up for one of the two times I’m teaching it on Saturday or the one time I’m teaching it on Monday. The class will be about 50 minutes long and then I’ll allow 30 minutes extra at the end to answer your questions live. By the way, on these classes, I’ll also be unveiling my brand-new course, Monetize Your Blog: A Beginner’s Guide to a Profitable Blog. You’ll be one of the first ones to have the opportunity to sign up for it! P.S. If you can’t make it to the live class, still go ahead and sign up because I’ll be sending you a replay of the class once it’s finished. [...]
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Retire on Your Own Terms With Help From This Course

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Retire on Your Own Terms With Help From This Course
Knowing how to plan for retirement is a must-have for any soon-to-be retiree. It’s especially important if you’d like to keep a steady income stream, travel and enjoy your golden years. Having a plan in place will ensure that you’re ready for what’s ahead. If you need help with your own retirement plan, consider The Only Retirement Guide You’ll Ever Need... [...]
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Earn Cash Selling Clothes From Your Closet With These 6 Online Resale Shops

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Earn Cash Selling Clothes From Your Closet With These 6 Online Resale Shops
Truth time: My wardrobe embarasses me. It’s not because I dislike the things I wear — it’s because I have so many things I don’t wear. Since cleaning out my closet and attempting a capsule wardrobe experiment a few years ago, I’ve unfortunately regressed to my old ways — and by “old ways,” I mean my closet is overflowing with things I just don’t wear often enough. In fact, I would guess that at this point, about 60% of my wardrobe is simply taking up space. But I’m ready to simplify again, and, in the process, I’m hoping to make a little extra money. So, I’m heading to the internet (because my local consignment shops are — shall we say — choosy) and selling my clothes in an effort to earn back some of the money I’ve carelessly funneled right into my closet (again). 6 Places to Sell Clothes Online These are the sites I’ll use to try and make a few extra bucks as I clear out my wardrobe. 1. Poshmark Poshmark touts itself as a “fun and simple way to buy and sell fashion.” And while “fun” may be an accurate descriptor, “simple” really isn’t — but that’s not necessarily a bad thing. You see, Poshmark is more than just an online platform for selling clothes — it’s a “social marketplace.” Rather than being a place where sellers can list an item, hope it sells and move along, Poshmark is powered by buyers and sellers who share fashion ideas and styling tips, browse each others’ “closets” and generally connect over clothing and fashion. What Poshmark isn’t? A set-it-and-forget-it type of site. In order to make sales on Poshmark, you need to upload quality photos, write thorough descriptions, offer style guidance, “attend” buying and selling events within the app, share and promote listings and interact with other users. Pro Tip Some successful Poshmark users recommend investing in nice packaging or thank you cards to keep your ratings up and your listings more visible. Buyers are allowed to negotiate prices, but you can choose to decline or accept an offer. For sales under $15, Poshmark takes a flat commission fee of $2.95. For sales of $15 or more, you’ll keep 80% of the profit. Once a sale is made, Poshmark will provide you with a pre-paid, pre-addressed shipping label. All in all, Poshmark is a good option for anyone who’s willing to do a little (virtual) legwork. 2. thredUP ThredUP is an online consignment and second-hand shop focusing on brand-name clothing for women and children — and it couldn’t be easier to use. If Poshmark is the most involved clothing selling site on the market, thredUP might just be the least. Sure, your return may not be quite as big as if you steamed, photographed and listed each piece individually all while liking, commenting and sharing other people’s items, but for the lazy among us, thredUP couldn’t be more convenient. Debra Wallace, the woman behind the blog Zero, also notes the small return as a con of selling on thredUP. “Used clothing is not worth much,” she writes. “So if you’re looking to make more money, you’ll have to put in more effort” using other sites or brick-and-mortar stores. For anyone who’s still on board, thredUP’s process is pretty simple: Go to the “Clean Out” tab on thredUP’s website and select “Order a Kit.” You can then choose whether you’d like to receive a standard clean out bag or an expedited one. (There’s also an option to just donate a bag of clothing, if you’d prefer to do that.) ThredUP will then send you a bag that you’ll fill with clothes, seal up and return for free with a prepaid shipping label. ThredUP will then sort through your clothes, list the keepers on the site and, depending on which clean out option you chose, either recycle or return the unwanted items to you. Depending on whether your items are highly trendy and in season or have a little more longevity to them, thredUP will determine whether to give you the money up front or when the item sells on consignment. Once your payout becomes available, you have to cash out via PayPal. 3. Swap.com Swap.com is similar to thredUP in a lot of ways, except it also accepts and sells men’s clothes and even kids’ toys and a few household items. To sell your unwanted clothing on Swap.com, you can either request an “inbound box” or simply print a prepaid shipping label to use for sending in your items. Once the company receives your items, it will price them, upload them to the site and send you your payout after your items sell. Similar to thredUP, any items not accepted for resale will either be sent back to you or donated, depending on which option you choose. FROM THE MAKE MONEY FORUM Sell photos 6/24/19 @ 3:40 PM Earning Money 6/24/19 @ 1:18 PM A Make Money Asking Questions On Quora 4/26/19 @ 12:28 AM Employment in the trades 6/20/19 @ 11:41 AM See more in Make Money or ask a money question 4. Instagram If you’re an avid Instagram user, you’ve probably stumbled across more than one person selling their “closet” on the popular app. And while it’s a clunky interface for buying and selling (sales are done through the comments under photos and via direct messages), the return is pretty good because no commissions or fees are shaved off the top. Still, selling your clothing on Instagram will take a bit of legwork on your part. You’ll have to know how to work the system (lucky you, we have some tips right here!), and you’ll have to go through the trouble of steaming (it helps), photographing and listing each piece individually. You’ll also have to be totally in charge of collecting payments and shipping the items. All in all, though, it’s a great option for those who are willing to go the extra mile to make the extra dollar. 5. Tradesy If you want to sell your clothes on a platform that’s just a little bit more seller friendly, (but still not quite as involved as Poshmark) Tradesy is the way to go. Tradesy says it deals primarily in designer and luxury items, but technically you can sell any brand from Xhilaration for Target to Gucci — and any item from purses to wedding gear. To sell on Tradesy, all you have to do is take a few photos of an item (Tradesy will even do a little editing for you to make it look better), add a description and input a price. (Again, Tradesy is pretty helpful and will suggest a selling price if you’re at a loss.) When an item sells, you can use one of Tradesy’s complimentary shipping kits to ship the item at no cost. Tradesy’s flat commission fee is a little steep: The company takes $7.50 of any item sold for under $50. If an item sells for $50 or more, Tradesy takes 19.8%. The process is a little more involved than just loading up a bag and sending it off in the mail, but with a little bit of work, your payout can be pretty good — as long as you’re selling at the right price point. 6. eBay You thought we were going to leave eBay off this list for a second there, didn’t you? But we couldn’t do that! Even though it’s been around for quite some time (and sometimes has a reputation for being unwieldy or a little outdated), eBay is still a valid option when you’re selling clothing — especially when you’re looking to make a few bucks on so [...]
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My Favorite Cute Summer Tops for Women (all from Amazon!)

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My Favorite Cute Summer Tops for Women (all from Amazon!)
Looking for some cute summer tops for women that are inexpensive and durable? Here are 3 of my favorite summer tops from Amazon that I have worn over and over again in the last year! 3 Cute Summer Tops From Amazon As you likely well know, I love finding great clothing deals at great prices on Amazon. And I love sharing those great finds with you all! In today’s post, I want to share 3 summer tops for women I purchased from Amazon and absolutely love! All of these have held up well to multiple washings, are very comfortable, are inexpensively priced, and fit well. This post may contain affiliate links. Read my disclosure policy here. 1. Amazon Essentials V-Neck T-Shirt These tees come in a two-pack for $18.50 shipped (Less than $10 each shipped!) and they are some of my favorite v-neck tees! They are soft, fit well, but aren’t too tight. You can wear them tucked in or left out. I prefer to tuck them in and wear them with a belt or to do a half tuck. I got the navy/turquoise set (see the two pictures above). This particular set is currently out of stock, but they have a lot of other colors available in this same style and price. 2. Made By Emma Short Sleeve Chambray Shirt I adore this shirt and usually always wear it at least once a week! It’s lightweight, soft, and so comfortable. You can wear it untucked for a casual look, tucked in for a more tailored look, or with a cardigan or jacket. Many of the reviews on Amazon say that it runs small. I have on a small here and that’s the size I usually wear. It’s possible that some of the larger sizes aren’t as true to size. The only drawback of this shirt is that Amazon doesn’t offer free returns on it and it’s $14.97 + $4.99 shipping.   3. WLLW Crew Neck Sleeveless Shirt This is another shirt that I wear almost weekly! And it’s just $15.99 shipped or less (depending upon what size and pattern you choose). It comes in a number of different patterns and colors. One thing I wanted to mention is that some of you have ordered this and some of you said your shirt was a bit darker than mine was and you felt like the material looked different than mine does. The good news? This shirt has free returns, so if you order it and don’t like it, you can easily return it — completely free (Amazon will email you a shipping label to return it). Note: Many of you asked about the shirt I have on underneath this tank. It’s this halter top bralette and I really love it for halter top tanks! How to Search for Clothes on Amazon Be willing to dig. It’s not always easy to find what you’re looking for at first. Sometimes, you have to put in specific search terms to find exactly what you’re looking for. Don’t give up within a few tries; it’s probably there if you’re willing to dig! Use as specific of search terms as possible. If you know a brand name and specific type of what you’re looking for, be sure to include those details in the search terms. Amazon carries a LOT of brands and you might be surprised what you find and the prices they are offering. Look at the related searches. If you find an item you love, be sure to scroll down on the page to see the “Related Searches” items + the “People Who Bought This Also Bought” selections. In both cases, I’ll often find some great options there that I might not have found just by searching. What To Check For Before Making a Purchase Check if they offer free returns. Many clothing items on Amazon offer free returns. This means that if you don’t like the item for any reason, you can go on Amazon and request to return it. They’ll send you a free shipping label so you can return it and get your money back. Read the reviews. I learn so much by looking at the reviews. You can often also see pictures of the actual item on someone. This is really helpful! Always check the shipping price. Many clothes ship free to Amazon Prime members. Make sure you check the shipping price before falling in love with something — because sometimes it won’t be free and might be as high as $5-$6. Look to see where something is made/ships from. Some of Amazon’s clothing ships from China and takes 4-6 weeks to arrive. Be aware of this when you are looking at items — especially if you are hoping to get them within in a few days. Two other tops that didn’t make it to my top 3 list, but that I also love and wear often are the two above shirts: FOMANSH Color Block Tee (this one looks a tad different than the one I have on above but Amazon says it’s the one I have — it has free returns in case it shows up looking different!) Vemvan Striped Block Tee (comes in a number of different colors and is just $15.99!) Other Places to Get Great Deals on Clothes Your Closet — Don’t run out and get something new because “you have nothing to wear” without first checking your closet. There might be a dozen items in there you’ve not worn for awhile just because you forgot about them! Save yourself a trip to the store plus the money for new clothes by making sure you’re wearing what you already own! Thrift Stores — Thrift stores are a gold mine of deals, if you have the patience to dig and look. Approach it like a treasure hunt, have strict guidelines for what you are looking for, and make sure Swap Meets with Friends — Get your group of girlfriends together and have everyone bring what they no longer love, need, fit into, or wear and swap out clothes. This is a fun way to freshen up your closet — for free! TJ Maxx — I’ve found lots of great deals at TJ Maxx over the years. You never know quite what you’ll find, but it’s a great place to find deals on basics like camis, socks, scarves, and workout clothes. Target — Target often releases great coupons through their cartwheel app that can be paired with items from the Clearance Racks. This can make for great deals! Zulily — This is an online daily deal site that has lots of sales on ladies’ clothing. If you like certain name brands like Under Armor or Tom’s, check out this site for their regular sales. Note: The shipping tends to be high on this site and it takes quite awhile for you to receive your items in the mail. What are YOUR best tips for finding great deals on clothes? I’d love to hear! Other Related Links: How I’ve Simplified My Wardrobe The Outfit Formulas That Changed My Life My Completely Honest Review of Stitch Fix Putting Me Together (no-fuss fashion for moms) Get a FREE Month of Rocksbox Jewelry [...]
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