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A Beginners Guide to Simple Investing

Details: Create an emergency fund. Ideally, the fund contains enough money to pay 3 to 6 months worth of basic expenses. That can take a while to build up so if …

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Investing for Beginners: The Complete Investing 101 Guide

Details: The Average Investor’s Commandments – Investing for Beginners. You need to invest your money. It simply doesn’t make sense not to. Even if you only …

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How to Form an LLC in Seven Easy Steps: An Essential Guide

Details: Management-Managed: If you’ve got a large number of employees, or you don’t want each member to have a say in company direction, then it’s probably best to do management-managed. 6. Create an LLC Operating Agreement. The operating agreement is a legal document that outlines the ownership structure and what the members’ responsibilities will be.

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How to Incorporate Your Family and Why It's about More

Details: Is Incorporating Your Family Right for You? It may seem like a lot of steps to start a new business, but it’s not too complicated.A lot of the steps are overkill for a family business. But, it doesn’t take long, and it protects your assets. Personal liability is a bummer when one of your children accidentally runs over a rock and shatters the neighbor’s window while they’re cutting grass.

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16 Realistic and Actionable Ways to Make One Million Dollars

Details: 3. Get That Free Money. An employer-sponsored 401k is the first foray into investing for many of us, and it’s an excellent place to do it. A 401k is an employer-sponsored retirement savings vehicle that allows you to invest part of your paycheck, pre-tax, into an investment account where it grows tax-free until you are ready to start withdrawing from it after age 59 1/2.

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Money Making Ideas: 21 Smart Ways to Increase Your Income

Details: At a certain point, you can't save any more money; there just isn't anything left to cut. And really, saving money is not nearly as impactful as making more. So whether you want to increase your income to pay off debt, save for a home, take a vacation, or retire early here are our favorite money making ideas.

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Lets Go Thrifting! The Ultimate Guide To Thrift Store Success

Details: Spending at your local thrift store is an awesome way to help give back to your community. It’s also a way of giving back to the planet. According to the U.S. EPA Office of Solid Waste, Americans still throw away more than 68 pounds of clothing and textiles per person …

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Budget Meals: What To Eat When You’re Strapped For Cash

Details: This is the easiest and one of the cheapest slow cooker recipes out there. Buy a pack of chicken thighs (cheaper than breasts and juicier) and a jar of salsa. Put those things in the slow cooker and leave it to cook for a few hours. When the meat is tender, pull it apart with two forks.

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Your Complete Guide to Creating a Monthly Budget in 2021

Details: We literally wrote the book on how to make a budget with Mint!. You Need A Budget. We love Mint, but there is a better budgeting tool for anyone who has irregular income. Maybe your monthly income varies because you have a side hustle or have a commission-based job like a real estate agent.

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A Simple Guide to Building Wealth

Details: Candice Elliott is a substantial contributor to Listen Money Matters. She has been a personal finance writer since 2013 and has written extensively on student loan debt, investing, and credit. She has successfully navigated these areas in her own life and knows how to help others do the same.

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Average Net Worth By Age: How Do You Stack Up In 2021

Details: Here is the mean and median net worth by age. Remember, the mean is skewed by the nation’s super-wealthy, so don’t freak out. For example, if you’re comparing the mean net worth of people in their 50’s, Jeff Bezos (valued at $121 billion) gets included along with the average American.. The median net worth of the average U.S. household is $121,700, while the mean is $748,800.

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Getting Out of the Red: How to Improve Your Credit Score Fast

Details: Having a good credit score makes life easier and cheaper. Even if you’ve tanked your credit, we’ll give you some ways to bring the number back up. You don’t have to wait seven years to start improving your credit score. There are a few tricks to get that number out of the red.

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How To Fix Bad Credit Once And For All

Details: The best way to build, improve, or maintain a good credit score is to always pay all of your bills on time. Late payments will really impact your score negatively. This is 25% of your credit score. Credit Utilization: This is the percentage of your available credit you’re using.

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The 6 Step Financial Planning Process

Details: How we make money. Table of Contents. The 6 Step Financial Planning Process – Do It Like The Pros. Step 1: Defining the Client-Planner Relationship. Step 2: Collect Data, Determine Expectations and Prioritize Goals. Step 3: Analyze and Evaluate Financial Status. Step 4: Developing the Plan Recommendations. Step 5: Implementing The Plan.

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Do You Need Help Paying Bills

Details: We are in an unprecedented situation. The coronavirus (or COVID-19) is going to significantly impact the world economy, just how bad things are going to be, we can only speculate. But right now, things are already dire for some of you. If you need help paying bills or other forms of financial assistance, this post has a comprehensive list of resources.

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Burnt Out: What To Do When You've Had Enough

Details: Now is not the time to ask for a promotion, renovate the kitchen, or go back to school part-time. Call out sick for a day. Pro tip for you; when making the sick call, lay on your bed, face up with your head hanging off the edge. Makes you sound sick when you call out.

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Tally Review: Pay Off Credit Card With The Stacking Method

Details: Tally Review: Pay Off Credit Card With The Stacking Method. Simply Put: Tally is a debt management app that uses the debt stacking method to help users pay down their credit card debt and save money on interest. Tally extends a line of credit to approved users. When that line of credit has a lower interest rate than a user's credit cards, they

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The Financial Toolbox

Details: Depending on the day, it's between $2.75 and $3.95/month for the tier you need. Affordable Web Hosting. Lasso. We built this to monetize Listen Money Matters and now we're sharing it with you. If you want to make money online, you need this tool. It's the best plugin you'll ever use, if we do say so ourselves.

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Investing For Dummies: The No Effort Investment Strategy

Details: The above indices are terrific, however, it is understandable that not all of us have an appetite for risk investments.. Some people are very close to retirement and don’t want any risk at all. That’s completely understandable and until recently, being able to moderate your level of risk would involve quite a lot of active investing in a wide variety of investment products.

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28 Tax Deductions You Didn't Know You Could Write Off

Details: These are deductions everyone eligible must take advantage of. 1. Standard Tax Deduction. If you did the math and didn’t have enough itemized deductions to get you above $6,350 for singles and $12,700 for marrieds, you can take the standard tax deduction. If …

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How Stocks, Bonds, and Funds Work: The Good, the Bad, and

Details: For most people, understanding how stocks, bonds, and funds work sounds about as exciting as a trip to the dentist’s office. But not you. You’re a Listen Money Matters reader and a personal finance nerd (closeted or otherwise). You may not know what the different types of stocks are or possess an encyclopedic knowledge of the financial markets, and that’s ok.

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Why is it So Hard to Escape Poverty in America

Details: Poverty is grinding and the effects ripple out from individuals to families to communities, and to societies. Poverty is a public health issue that affects everyone. So let’s start at the beginning, child poverty. The child poverty rate in the U.S. is 17.5%, for children in a home headed by single mothers, it’s 50%.

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Controlling Spending for the Out of Control Person

Details: At the same time, 40% of us can’t come up with $400 in the case of an unexpected emergency expense. So a lot of us don’t have an emergency fund nevermind any investment accounts or retirement savings. What we do have is a spending problem. We can’t seem to control our spending habits and stop overspending, and we’re often left with nothing at the end of the month.

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The 8 Best Vanguard Funds Worth Buying Right Now in July 2021

Details: The difference between an Index Fund (ETF) and a Mutual Fund. First, let’s quickly discuss what an Index Fund (ETF) and a Mutual Fund are. Who better to ask then Vanguard themselves?. An ETF is a collection (or “basket”) of tens, hundreds, or sometimes thousands of stocks or bonds in a single fund. If you’ve ever owned a mutual fund—particularly an index fund—then owning …

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REIT Investing: An Exceptional Passive Income Stream

Details: A REIT or Real Estate Investment Trust is a company that owns, manages or bankrolls income-producing real estate. The rent generated from the properties is distributed to shareholders in the form of dividends. REITs are similar to mutual funds and trade on the major market exchanges.

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Learn How to Invest Your Money

Details: You can invest money successfully.. You need to invest your money, you can't afford not to.Investing is the easiest and most effective way to grow the money you've already saved. Over a 30 year period the market average will outperform a savings account by over 19,000%.Yes, that's nineteen-thousand percent.Chew on that for a moment.

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Quicken Alternatives In 2021: 14 High-Quality Money

Details: GNU Cash. GnuCash is a full-on accounting program, so if you want something that is more like a bookkeeping system and less like a budgeting system, this is a fine Quicken alternative. GnuCash is free to download. It does have a budgeting feature that allows you to track bank accounts, stocks, income, and expenses.

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The 401K Loan: What You Need to Know about Using One In 2021

Details: For the year 2020, you can contribute up to $19,500. Because that money is meant for retirement, withdrawals are discouraged before you reach age 59 ½. If you withdraw money before that age, you will be hit with a 10% penalty on the loan amount and …

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An Amazing Interview on Early Retirement with Mr Money

Details: The American Dream. Mr. Money Mustache didn’t retire because he was making so much money from his blog. He had actually been retired for six years before he started writing. The blog was born when he looked around at his friends who had good jobs but were still living paycheck to paycheck.

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Extinguish Your Fear of Failure By Turning It On Its Head

Details: Failure doesn’t define you as a person. It’s an event. To describe a person as a failure is neglecting to see the totality of that person’s life. At the end of the movie classic, It’s a Wonderful Life ” (spoiler alert!), George’s guardian angel writes in a note to him, “No man is a failure who has friends.”.

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Hourly vs Salary: Advantages, Disadvantages and Opportunities

Details: It can seem more prestigious to be in a salaried position, maybe more because of what it used to mean that because of what it means now. It used to mean white collar, benefits, an office. Some salaried positions still offer those things but they're not automatic. In a battle of hourly vs salary, which prevails?

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Making a Purchase: Justify Your Big-Ticket Items with This

Details: When you get the urge for instant gratification, take a timeout. Put the item on emotional layaway. Table the purchase for a few weeks and see if the desire is still there. The more expensive it is, the more time you should take. Often, you’ll find that the wanting will pass or you’ll just forget about it.

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Get Paid For The Things You Already Do

Details: Denominations are $25, $ 50, $100, and $250 and it takes 10-14 days to process. You can get paid in the form of a gift card to major retailers including Amazon, Starbucks, Walmart, and Target. E-cards are rewarded within ten days and come in denominations between $1-100. Swagbucks gives you a 12% discount on the first $25 card you redeem each

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How To Save Money For Your First Apartment: 9 Simple Tips

Details: Moving into your first place is exciting and daunting at the same time. There is so much you need. For most of us, that need has to be balanced with a limited budget, both in furnishing your place and living there. Here are some first apartment tips that will help you save money.

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This is Why I'm Broke: 18 Lessons I Learned From Having No

Details: 16. Do What Makes You Happy. 17. Hobbies are Important. 18. You are your own worst enemy. I’ve spent the past 30 years of my life being broke. Sure, I’ve had money, but the problem was I spent it all. This is how I went from a single bachelor with his own home and a BMW, to a single bachelor living with his brother and a Honda Civic, and I

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LLC vs S Corp: The Amazing Tax Benefits Of Having a Business

Details: There is an area in the battle between LLC vs. S Corp, where the S Corp is a clear winner. The self-employment taxes are the significant benefit to having an S Corp over an LLC, but because an LLC is so much simpler, start there. Except for a business whose sole income is directly tied to your hours like consulting, you can convert your LLC to

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Destroy and Consolidate your Debt

Details: Your debt is an emergency.. Debt is the act of borrowing from your future self and the penalty is interest. While debt can be valuable and even profitable if used correctly - few people do.Credit card debt compounds many times faster than the best investments will. Left unchecked it can quickly outpace your ability to earn and pay it off.

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About Listen Money Matters!

Details: About Listen Money Matters. We live in a world where most people graduate from high school with little education on how to manage their money. Given that most of us are destined to earn money, lacking basic personal finance knowledge is more than just a minor oversight. Lucky for you we have a personal finance nerd and a productivity expert on

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How Money Inequality Is Hurting Your Relationship Right Now

Details: The Beginnings of Financial Stress. But when you are the lower earner in the scenario, the money inequality starts to niggle. You don’t work the crazy hours the higher earner does so a lot of the mundane tasks of day to day life fall to you to take care of. The laundry, the cleaning, the food planning, shopping, cooking, and cleaning.

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The Minimum Variance Portfolio: Reduce Risk and Optimize

Details: The minimum variance portfolio rests where the line starts to curve and risk is at its lowest level as it relates to return. Anything falling on the efficient frontier line above the MVP is considered an optimal choice (i.e., the expected return lines up with the level of risk).

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Asset Classes: The Lifeblood of an Investment Portfolio

Details: Asset Classes Categorized. While there is no consensus on what the complete list of asset classes are, almost all include equities (e.g., stock), fixed income (e.g., bonds), and cash or cash equivalents (e.g., savings). These are the big three most people use because they’re easy to manage in either brokerage or retirement accounts.

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