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What is a Combination Mortgage?

Mortgages are of various types such as Portable, Reverse, Combination, etc. We should be aware of them to judge suitability for ourselves. Looking to buy an existing home? Well, a suitable option for you is to acquire a 'Combination Mortgage', if you have a good credit score as well.

This mortgage allows two loans within one, one as a loan to assist in the building of the house, which would be at a variable rate. However, the second loan would be the actual mortgage against the house at a constant rate.

Today in our financial glossary we are talking about 'Combination Mortgage' https://www.chango.ca/glossary/combination-mortgage/ what it means to you, and how it can apply to your financial life.

Feel free to comment below if you have any questions.
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Inspiring Success Stories of 5 Famous People
Many famous people have their exalting stories, but these 5 individuals will surprise you with their falls and failures. The path to success is rather complex and quite often leads us to denials turning into the falls of our lives. Success requires a lot of hard work, patience, and courage to confront challenges and all possible obstacles. Success is something that doesn't come easily. Failure on the road to success is not an extraordinary fact, but it is just a headway leading to prosperity. Many famed people had to beat various barriers in their way of becoming successful. Failures led them to the lowest points of their lives. Yet their hard work has given them what they fought for, and their perseverance is now a source of inspiration for many. 1. Walt Disney Walt Disney 's inspiring story began with a strain of failures - he was fired from his job at the "Kansas City Star" newspaper because "his imagination was not so bright and his ideas were not creative enough"; His Mickey Mouse cartoons were dismissed for being "too scary for women"; "Three Piglets" was also rejected because there were only four characters in it; His first business venture, the animation studio "Laugh-O-Gram," halted its operations due to bankruptcy. 2. Sylvester Stallone Hollywood star Sylvester Stallone inspires us with his unique story. At 20, he was a regular salesman at a cooking store. He was so broken that he had to sell his wife 's jewels to feed his family somehow. At one point, he was so desperate he was forced to sell his dog to a stranger at a liquor store for $25. He says the biggest fall of his life was when he started crying. He then made "Rocky" and that creepy part of his life was closed. Guess what he did with his first salary? He bought his dog for $15000. 3. Donald Trump Donald Trump owed $1 billion in the early 1990s and journalists argued that the money could be forgotten, impossible to pay. He once said to his daughter, walking past a homeless man: "Do you think it 's a bum? He has one billion dollars more than I. " Then, Trump says, he was on the worst day of his life. It then produces the largest financial turnover in history, after which it is recorded in the Guinness Book of Records. He was once owed $1 billion, but Donald Trump 's net fortune is now estimated at $4.5 billion. 4. Abraham Lincoln Abraham Lincoln 's inspiring story began with his youth when he held the rank of captain but soon lost it. Then he tried to open a lot of businesses, each of which failed. Based on a very poor family, he went further through many difficulties to become a successful lawyer. Lincoln then lost in several races to public office, but none of which were able to stop him from trying to become President of the United States. 5. Steven Spielberg Steven Spielberg is considered one of the greatest filmmakers of our time to have given us films such as "Jaws," Jurassic Park, "Save Private Ryan," and some others. That seems incredible, but he was dropped from the University of the School of Southern California Cinematic Arts - not once, but twice. Spielberg 's story is inspiring because, not despite this, he did not let himself get off track and back away from his dream of making films; He stood up and now he is successful enough to donate money to build that University from where he was once dropped out. What is your story? Are you overwhelmed with debts? Are you a college drop out? Maybe you have to rely on payday advances to make ends meet? Almost all successful people faced hardships in their lives. Never, ever give up! May these inspiring stories give you wings to go forward towards your dreams. https://www.youtube.com/watch?v=2LL3itgQff4
LeadNetwork.com - The Easy Way to Reduce Your Financial Traffic
When it comes to the internet, one thing far too many folks overlook is that the entire business really comes down to money in the long run. Running those server farms and submarine cables are not cheap. Content managers don't work only out of the goodness of their hearts; great musicians and photographers neither. Performance-Based Marketing: Specialist Websites The internet is also, without any doubt, the best informational transmission system in the world. Much of what you'll find on there is on the mundane side - believe cat movies, Kardashians and cake recipes. These are some of the low-hanging fruit many publishers concentrate on: there's a guaranteed audience for this, in addition to a pervasive "if you build it, they will come" mentality. Some websites do, in reality, earn money this way. That's not, but the only sort of knowledge that counts. In this writer's view, there is a massive demand for personalized, relevant and trustworthy answers to questions comparatively few people ask. This not only assists in enhancing your personal or corporate brand but can easily lead to direct earnings concerning a greater volume of sales leads - and even advertising fees. How and Why Hosting Ads Might Be a Good Idea Some veteran webmasters will tell you that placing ads on your site interferes with the user experience, reduces participation and spoils conversion rates. To some extent, they're right. If, however, you consider your online offering in terms of presenting the best information you can, in the easiest way possible, the situation is way different. To give one instance, I see ads all the time on technology companies' sites for products which are closely related to, but not quite the same thing, as their core business. It makes me more likely, not less, to listen to what they have to say and perhaps click around a bit. This kind of thing builds trust: it demonstrates that the publisher is intimately involved with and understands something about its subject matter. The important thing here is context and relevance. If you are showing me welding equipment while I'm already thinking about welding equipment, it won't feel intrusive and may even be helpful. If you are serving me an advertisement about Barbie dolls in the same situation, it's mildly disturbing. If you're in any financial market, it's possible that you specialize in just a few things. An insurance broker is not the exact same thing as a portfolio manager, who's not a tax attorney. Yet all of those have customers who will need an emergency loan sooner or later. The responsible thing to do would be to refer them to a specialized, respected company, and you might as well automate this process while getting paid, too. How LeadNetwork's Service Works Even with the best of intentions and prudent planning, many of us sometimes need an extremely flexible loan to see us through. This could be for as little as $100 or as much as several thousand dollars, with a repayment period ranging from weeks to months. Traditional banks are just not set up for this type of thing, especially if clients expect approval in a matter of hours. This has resulted in an explosion of financial startups specializing in payday and similar loans, each with various policies and interest rates. Even for someone with some degree of financial literacy, navigating this jungle and finding the best deal can be intimidating. This is where professional Leads Network affiliate program, through partner sites like cashrequestonline. com and getfundsasap. com, steps in. People who are reading up on financial topics, loans, particularly, are channeled to these through advertisements on third party websites. At this time, it takes them only minutes to discover which loans they may qualify for and where these may be found most cheaply. The partner websites, consequently, have a small commission from each referral. The publisher site's role in this boils down to bringing the right kind of traffic and giving people great advice on how and why to take out a loan, after which they don't have to do something. Anyone with a suitable website and a desire for passive income would be well advised to look into this. There is one thing you ought to know, however: this can only be achieved within the U.S, excluding the states of New York, Arkansas, Vermont, West Virginia, Georgia, New Hampshire, Connecticut, and South Dakota. A Clear, Fair Payment Composition If you have previous experience with affiliate schemes having systems that are more prone to unannounced changes or just take too much time to understand, you will be pleased to know that this particular program follows a back-to-basics approach when it comes to paying their affiliates. Like with all affiliate networks, the basic idea is not complex: whenever a client clicks on a link hosted by your website, all three parties involved must benefit. One of you makes a sale, another receives invaluable assistance and one gets some money for hosting the ad (or making a personal referral if they're qualified to do so). Payments are made weekly - basically, almost as soon as a transaction is finished, you will see a small bump in your checking account. Also unlike with many sorts of affiliate programs, including those in the financial industry, each successful referral may be worth over $200 and is never less than $2. These numbers add up more quickly than you may think. Their publisher interface is also designed to be transparent, full-featured and user-friendly. You will easily be able to see how much you are earning and how this relates to visitor behavior. More significantly, it allows LeadNetwork to constantly optimize their strategy, including providing support and advice to their affiliates on how they could earn more, together. This is one reason LeadNetwork offers a superior EPC (Earnings Per Click) ratio. Corporate Responsibility By now, you are hopefully interested in earning a little extra money through promoting payday loans on someone else's behalf. If you write about financial issues, you will also know that the unconventional loan sector may be viewed with suspicion, with aggressive advertising often being the cause. Following a different approach is part of the reason for LeadNetwork's remarkable growth in such a short period of time. All their partner companies are based in the US, so they need to comply with the letter and spirit of all applicable laws, including those regarding honesty in financial advertising. This being the case, they expect a similar degree of ethics from their affiliate partners. To state it as simply as possible, if you print questionable money-saving tips (or your URL is really "scams-R-us. com", whatever), you won't be regarded as an affiliate. If, however, you offer reliable financial or investment advice to the general public, this affiliate program will be happy to work with you. Some sites regularly earn over 10K per month simply by renting out a small part of the screen space. Only just a little time and money are needed to get started, so, by all means, spend 10 minutes reviewing their provisions and practices.
How Millionaires Are fleeing Coronavirus
Personal doctors, secluded homes, small yachts, private planes, separate hospital reception rooms and monthly supplies of food, medicines and medical equipment. This is how the richest Americans are preparing for the coronavirus epidemic, says The New York Times. The new coronavirus doesn't know nationality or social boundaries. This, however, does not mean that there are no social boundaries. The local Apotheke workers state that generally, the richest Americans behave themselves very modestly, however, on the background of this sphere of the global pandemic, caused by coronavirus it seems that their behavior is also changed. Standing in the long queues they try to employ their influence and status to buy masks out of the queue. They buy the most expensive masks and add that they can afford to spend their cash. Apart from buying the most expensive masks and bypassing queues, the wealthiest Americans are increasingly using private planes, avoiding coughing neighbors behind their backs. But where can those who are not going to sit all summer in a secluded house in the woods by the Canadian border fly? As The New York Times has learned, many rich people are not ready to give up summer holidays and simply change plans, refusing to travel to Italy and renting small yachts in the Mediterranean Sea for a long time. "It 's perfectly rational," Jennifer Saya, president of B & B Yacht Charter, tells me, "Your family remains a small isolated space. You get out of the car, go to the VIP terminal, board a private plane, arrive at a small airport, from where you get straight to the yacht. All this time you are not in contact with people. " Some went even further. Ben Stein, director of New York 's Sollis Clinic, said one of his clients set up an isolated room at his home with a separate ventilation system, supplies of medication and medical equipment needed to treat coronavirus. She also did not forget about food supplies. https://shinyloans.com/
Difference Between Payday Loans And 1-Hour Loans
Payday loans are experiencing a ban in many countries, and Australia is not an exception. The reason is people falling into debt trap miscalculating their repayment capacity. These loans were considered as high-risk loans as they were sanctioned even to bad creditors and number of NPA were on a continuous rise. Making the necessary changes in the online loans while continuing to meet the needs of the people with instant cash assistance, the lenders brought 1 hour into the market. Understanding the major difference between two will help to make an informed decision. Repayment Terms This is the significant difference you will see between 1 Hours Loans availed at onehourloans.com.au and payday loans. Unlike payday loans where you are obliged to repay the entire loan amount along with the interest rates with your next paycheck, 1-hour loans give you a flexible option to repay the flexible loan installments. You get to choose loan tenure between 90-365 days and principal loan amount along with the interest rates will divide into equal installments for an easy payout. Credit History Requirements Payday loans that existed in the market earlier have no consideration for poor credit while approving the loan. These less stringent regulations made it easy even for high-risk profiles to get the loan and eventually led to high rise in NPAs of the credit industry. 1 Hour Loans that are sanctioned now have due consideration for the credit score before approving the loan. The lenders have stringent regulations in place If they have to approve a loan for the people with poor credit. Bureau Reporting It is unlikely that payday loan lender report your repayments to the credit bureau as they are single time payments. In the case of installment loans like 1 hour loans, the lenders do have a practice of reporting your payment history to credit bureaus. This has a big positive impact on your credit rating.
Legos Are Now Worth More Than Gold.
Looking to invest your money somewhere safe? Well, you might want to head to your local toy store. According to a recent report in the UK's Telegraph, financial analysts are beginning to suggest that - when it comes to turning a profit - Legos are the new gold. Within the past 15 years, the FTSE 100 - an index of 100 companies on the London Stock Exchange - has increased in value by roughly 4.1%. And while gold investments have seen an increase 9.6% annually, LEGO sets kept in pristine condition have surpassed them with a 12% increase on average. Bottom line? Legos are an investment that packs one serious return. So what kind of LEGO sets should you be investing in? According to avid collector Ed Maciorowski (seen right, with lots of Legos), the money is in franchise picks - movies, TV shows, and even more specific product lines within the LEGO brand: "The neat thing is that all sets are retired at some point, and several hundred are retired each year a movie run ends, a licence expires or the Lego company wants to refresh its range. That means anyone with a set at home – large or small, it doesn't matter – could have quite an investment on their hands if it's in good condition, as this stuff appreciates very well in value." The most coveted LEGO set, for example, is the 2007 Ultimate Collector's Millennium Falcon - which originally retailed for $500 and currently goes for over a cool $4,000. However, financial analyst Laith Khalaf warns that 'trendy' investments come with much more risk than more traditional options: "The returns from Lego look pretty awesome, but investors need to beware that the value of collectibles can be vulnerable to fads. There’s absolutely no harm in buying some pieces as a hobby, and you may well make some money, but as a main building clock for your retirement, I would suggest sticking to more traditional shares and bonds." So what do YOU think? Would you take the risk of investing in LEGO sets, or would you stick more traditional options like gold? Let me know in the comments below, and for more WTF news, follow my WTF Street Journal collection!
"Don't Worry About Money While Traveling" Is Terrible Advice
Travelers and stuck at home Wanderlusters alike have all heard this phrase, "Don't worry about the money, its about the experience." Well, I am here to tell you that that advice is kind of bullshit. Don't get me wrong, traveling is worth dropping the money, and trust me you will drop money. But taking the spending cost out of the equation will not only leave you completely broke with no hopes for a future trip, but it will also ensure that you will not get the full experience of your travels! Traveling costs money. You have to pay for flights, hostels, food, transportation, tours, city passes, clubs, drinks and every other activity you feel the need to buy or experience aka hang gliding in the swiss alps. And while this is all 100% doable, (people do it all the time), smart travelers are aware of the minimum amount they need to spend, and then factor in more money on top of that for the issues that are bound to arise during the trip. This way they know exactly how much to save and ways to budget money before getting on that flight. Having a set amount of money that you plan on spending means you can figure out just how long your trip can be without having to struggle to pay for simple things like getting on a train or buying a round with your new friends that you met at the hostel. Because trust me you don't want to spend your whole trip worrying if you can spare the 4 euro to buy a drink for your roommate. Heres what will happen if you take this terrible advice: You will run out of money. I have heard of some peoples trips being cut short, or they had to move to crappy but cheaper hostels, or they couldn't even do stuff like the Heineken Experience because they couldn't pay to get in! Yes there are free walking tours and you can explore yourself for free, but seeing only the outside and not paying the money to explore further is a half hearted attempt at traveling. Actually, this means you are wasting all this money to experience only the first layer of the countries experience. The best thing you can do is be honest with the amount you believe you are going to spend and try to stick to it. Pay attention to the money, because you need to it fully experience traveling. But then again, don't let the money control your trip because you will figure out some creative ways to save what you have! So yes, you will be spending a decent chunk of change....but its worth it as long as you're smart about it
9 Ways To Survive Being Broke
It's not easy to make money and keep it, and in your early twenties, when you're working for lower salaries and paying off college debts...net worth can be non-existent. Have no fear, because there are a few ways you can survive being broke, and even have a little fun too. 1. Get a mobile banking app Okay, this may seem like a nightmare, but always knowing how much money you have will come in handy It'll save you those inevitable, embarrassing "I'm sorry your card was declined" conversations, and it'll make you more aware of your current money situation. 2. Calculate how much you can spend per/day to stay above water. For instance: If I have 400 dollars in my bank account (after transportation, utilities, rent etc...) for living expenses to last three weeks, divide 400 by 14 to get 19.4, which means, by averaging things out you have around 20 dollars/day to spend before you run out of money. It's bringing consciousness to your spending, and can help when things get really tight. 3. When at the grocery store, never buy name brand anything. This is an extreme tactic, but it will cut your grocery bill by at least 20 dollars, just because you're going generic. Things like peanut butter, bread and juice can be spared. If you can't tell the difference, why not save the money? You can splurge for things you really love, but if you can ditch the name brand stuff, your wallet will thank you. 4. Challenge yourself to not to spend money at all. I did this for a while in college and it ended up saving me a lot! When things got tight, I'd give myself a little tally mark in my agenda for every day I didn't spend any money. It helps with progress and gives you a physical track to follow your habits. If you haven't guessed, lots of these tips are just based on consciousness of how much money you actually have. 5. Know when things are priced at their lowest, and NEVER pay full price for anything. You can google what stores put what things on sale, and when. So when you plan a big shopping trip where you have to buy an entire wardrobe for like...200 dollars, check out where you are going, and when the big sales are. If you get suckered into paying full price for something while you're feeling a little more wealthy, you'll pay for it later if you're broke, so always be conscious of if a purchase is realistically in your budget. 6. Avoid credit cards like the plague. If you're broke, applying for a credit card will be tempting, I'm sure you're like "Oh! They gave me a 500 dollar limit? I'll just make my purchases with that, and worry about it later." Don't. You'll end up paying 3 times as much because you'll run them up and never pay them. If you're broke, you don't have enough money to deal with fees and hassles, so just save yoruself the trouble and tough it out. 7. Evaluate what you really need, and what you can live without. Do you really need Starbucks today? Do you really need that candy bar? We make innocuous purchases that end up seeming pretty useless after we're left without enough money to live off of. If we calculate one 5 dollar cup of coffee per every work day (or god for bid two), we end up spending 25 dollars / week ON COFFEE ALONE. That's a lot! So just by putting things into perspective, you can really start to save yourself money, and also survive! 8. Happy Hour Only Buying drinks adds up. You can spend 50 or more in one sitting without realizing it. In order to avoid this, hit up a happy hour, where things are half priced. If that's not in the works, then you definitely need to buy your own alcohol, and drink at home before going out. Or...stop drinking and just save the money. It's not as fun, but being broke never is! 9. Long term: figure out what your money habits are, where you fail at saving, and put better choices in motion to conserve for the future! We don't always keep track of our money, spend it wisely or have the jobs to support the lifestyles we want, but with a little consciousness, some faith and some discipline we can put the steps into place to get better at the money thing! Also, remember, money isn't everything. You can have fun for free doing lots of things, so look up free events in your city and have a ball. Keeping it together is all about perspective.
Your Free Online Sales Tax Calculator
The free taxfyle.com/sales-tax-calculator from FastBill, you can easily determine your relevant values for invoicing. Fill in one of the first three values (net amount, gross amount, or sales tax amount), as well as the VAT rate in the corresponding fields. The sales tax calculator then determines the missing values for you in real-time. If you are not sure which VAT amounts you need, the table will help you. Under "Additional VAT rates" you will already find the sales tax rates for the DACH region so that you can simply transfer them to the computer with a click. Calculate sales tax with the free sales tax calculator Gross or net, 19% or 7%? Even if you have never been an ace in math, as an entrepreneur you will need to master the basics to calculate your sales tax. The good news, however, is that it is not difficult at all and that you will definitely reach your goal with this post. Here we explain how you can calculate sales tax and even provide you with a sales tax Calculator. The example shows how it works: Net: is the amount for a product or service WITHOUT taxes Gross: is the final amount on an invoice, i.e. including taxes. If the sales tax is 0%, the gross and net amounts are the same. Tax Rate: is the percentage at which taxes are calculated Incidentally, the calculation basis for the sales tax can be both the gross and the net amount. Example of calculating sales tax based on the net amount: 1. 50 € net plus 19% tax = 59.90 € gross 2. different: 50 x 1.19 = 59.90 3. The other way around, you can also easily calculate the net amount from a gross amount: 4. 59.50 gross minus 19% tax = 50 € net 5. or different: 59.50 / 1.19 = 50 Calculate sales tax using FastBills sales tax calculator If you do not want to calculate the sales tax yourself using a calculator, you can also use our free sales tax calculator. You can change all values at any time and get the result in real-time: It's even easier if you do the invoicing right away with FastBill. There you can store your standard VAT rate, which will be automatically applied to every invoice. In the tool, you can also easily differentiate between sales tax or sales tax when creating an invoice. Special features and exceptions to sales tax In principle, every company in Germany is obliged to collect sales taxes. The sales tax law (UStG) serves as the legal basis for this. The German site has a few exceptions when it comes to collecting taxes, such as in section 19. This paragraph places so-called small entrepreneurs as companies with a low annual turnover under special protection and enables them to waive the levying of turnover tax. Conversely, this means that these companies are no longer entitled to deduct input tax from the tax office. Small companies with private customers can primarily benefit from this regulation and the associated lower administrative burden. Exceptions are also possible for cooperating companies. In addition to the total exemption from VAT, some companies and products have the option of a reduction or a reduced tax rate of 7%. The legislator speaks of "everyday products" such as: ✔️food ✔️Public transport tickets ✔️Hotel nights ✔️Taxi rides ✔️Cultural Opportunities ✔️Press and print products ✔️The key idea behind this is that even low-income earners must have the opportunity to eat properly, ride the tram, and participate in cultural life.
4 TipsTo Keep In Mind When You Renew Bike Insurance Online
In India, it is mandated by law to have at least the minimum insurance cover for your bike. With online services provided by multiple insurance companies, you do not have to spend time visiting actual offices to get what you are looking for. Now, you really can save on precious effort and energy while getting the best insurance policy. To help you out, here are some tips to bear in mind when you renew bike insurance online. Research wellbefore you buy With the availability of different choices for insurance cover, finding out what best suits you is important. Today, almost all insurance companies have websites where people can buy or renew bike insurance online. Several people switch between insurance companies to find the best cover for their bikes. You can do this too. Make sure to read the terms and conditions and make the right choice of the policy best suited to your needs and budget. Choose coverage wisely When buying bike insurance, there are two options of cover that you can choose from. These are third-party insurance and comprehensive bike insurance. The third-party bike insurance is the minimum cover that the law mandates. With this, you get proper legal assistance and also an appropriate cover for damages that may also have a third party involved. The comprehensive bike insurance provides a broader cover and is comparatively more expensive than third-party insurance. With the comprehensive cover, your insurance can provide financial cover for the damages sustained by both parties involved in the accident. If your bike is a luxury vehicle, it is always preferable to take the comprehensive cover option so that you are better protected. Do compare quotes After you have decided on the cover, the next important thing is comparing quotes online. When doing this, a lot of people look for the cheapest premium. Avoid that mistake. Instead, look for a cover that provides the best financial support. This is because when you are stuck in a road mishap, you would want your insurance to back you up financially. So, compare quotes and look for insurance that not only fits your budget but also gives your bike the best possible cover. Additionally, comparing quotes might help you get a great deal on your premium and save money. Consider gettingadd-ons In case your current policy does not give you the cover you really need, another way of improving your bike insurance policy is through add-ons. Add-ons are optional coverage choices that you can get by paying a slightly extra premium when you renew bike insurance online. An add-on to definitely consider is the no-claim bonus or NCB. This is an add-on that helps you get a discount on your next renewal if you have not made any claims for the entire span of the insurance. Finally, do make sure that you read through your policy to see that everything is in place. After you are sure that your bike insurance policy is exactly what you need, you can go ahead and pay the premium. Insurance companies have made it easy to renew bike insurance online with absolutely no hassles. Then why delay? Go get renew your insurance on time and drive safe!
This Porn Site Wants To Pay Your Tuition.
College guys have been supporting the porn industry for years, and now one such website wants to give them something back. Popular porn site (or so I've heard) PornHub is offering a $20,000 PornHub Cares scholarship for college students displaying leadership and community involvement. Eligible students must be 18 or older, have a 3.2 GPA or higher, and be enrolled in the Fall 2015 semester. Apparently, all applicants must send in a two- to five-minute video and an essay answering the question, "How do you strive to make others happy?" If you're thinking of making THAT kind of two- to five-minute video, then think again. According to Pornhub Vice President Corey Price: "You don't have to film a porn to be a winner. In fact, anyone who submits a sex video will not be seriously considered. If you're against pornography and an anti-pornography crusader, this is probably not the scholarship for you." For some pretty obvious reasons, there's been some backlash, particularly from national women's groups who feel the scholarship has its heart in the wrong place. A statement released Dawn Hawkins of the National Center on Sexual Exploitation comments that the scholarship is: "...an amazing and deceptive marketing tactic that aims to exploit financially struggling female students. It's really unfortunate we're forcing our kids to sell their bodies to get an education." How do you guys feel about the PornHub Cares scholarship? Would you apply for aid from such a controversial website? Or is tuition money simply tuition money at the end of the day? Personally, I don't know if I'd be comfortable seeking out a scholarship from a porn site, but I wouldn't judge anyone who did. Money is money, after all. And, realistically, it's nice to see a stigmatized billion dollar industry work to turn a new leaf.
5 Ways To Control Your Spending
Hello, my name is Tess, and I am a shopaholic. ...This is the part where you say, "Hi Tess." Anyway, I've learned, over the past few months, that controlling your spending can be extremely simple. I've saved a few thousand dollars, and I will tell you how! 1. Budget by week. What I've been doing is taking out around 250 to 350 dollars per week. This way I have a finite amount of money to spend. Keeping track of your expenses by week will enable you to keep a tight hold on your 2. Use Cash Using cash will enable you to see the money leaving your hand. This will encourage you to spend less. It's just a fact of life. If I can see the money going...I won't want to spend it. 3. Leave your Debit card at home. This way you're not tempted to take out more money, or overpay for things. If you have unlimited funds on you at all times, you're not going to want to save, at least, that's what I always thought. Be hard on yourself, and hold yourself accountable for each penny. 4. Make lists NEVER go to the grocery store without a list, this will help you stick to your guns and not end up buying unnecessary stuff. It's liberating to make sure that you can help yourself accountable. It's all about responsibility here! 5. Tell yourself every day what saving can do, buy or set up for you. You are the master of your financial destiny, if you want to be able to say that you're responsible, you've got to take ownership of your money. I guess, me starting to save was a decision of necessity. When you start your life, all of the financial crippling starts to become real. Student loans, rent, car payments and more. You will save when you have to. Better to start now! So there you go! Get out there and make your fortune :)