Corporate Gains Boost the Dow

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While there has not been any new information from the Federal Reserve office concerning the stock index figures, investors have braced themselves for yet another cash in of corporate gains. This higher opening future can be attributed to the fact that market indexes are gaining points; Dow gained 100 points and S&P gained 10.5 points. NASDAQ also rose after it gained 34.5 point

As of this moment, the stock market’s biggest influence is the upcoming U.S. election, but investors’ decisions are also swayed by the Central Bank. There is an ongoing debate on the question of when the Fed will decide to increase the interest rates in the market. This discussion was mainly stirred after a comment from the St. Louis president of the Fed stating that low interest rates will most probably be the dominating figures in the market over the course of the next two, maybe three years.

The U.S. stock market is at a point where the productivity growth rate is low. This, as expected, puts a lot of pressure on investors to withdraw their money from risk ventures and put it into investments that will guarantee safe returns. The only problem is that these safe ventures are limited at the moment. Even worse, safe return rates on investments are low, expected to stay the same for a considerable amount of time in the future. With low safe return rates and low interest rates, both of which are not expected to rise anytime soon, the U.S. stock market is looking very bleak, something that will automatically turn away potential investors.

James Bullard, the St. Louis Fed’s president, made his comment not more than a month after he has cast a vote to maintain the interest rates of the market on the low. Hiking the interest rates may work in favour of the many investors out there, but it will not work in the favour of the Fed and the U.S. Central Bank.

William Dudley, the Fed President in the state of New York is scheduled to comment on the state of the U.S. Treasury market. Many investors are looking forward to this speech so as to get a good prediction angle on the expected returns of their ventures. The Governor of the Fed, Jerome Powell, is also scheduled to speak at the same meeting as Dudley, also commenting on the issue of the Treasury market. Apart from these two, the Fed President of Chicago will also give a speech.

The market is silent. It seems to be crashed between the interest rates situation and the upcoming elections; two factors that have caused an unbelievably huge shift in stocks. There is no new economic data as investors focus their time and energy on the PMI data of the Markit flash U.S.

Moving away from the U.S. market, we find that oil prices have also dropped. The brand WTI sold at $50.23 for one barrel, while the brand Brent went for $51.35 for one barrel. For a market that is usually at the top of the price list, this might be the lowest record for oil yet.

Thanks to the rise registered in the dollar, stocks from Europe traded for higher than usual. The Asia-Pacific market also recorded high trades. U.S. stocks traded on a flat line with no apparent increases or decreases.

Worldwide, stocks are showing weak outlooks. There are several inspired markets, but most of them are predicted to fall within the next few months. CMC markets for instance, showed promising outcomes due to corporate gains given their widespread influence in the market. Investors are fearful of the future of their investments, but brokers use the few good markets to convince them that stocks will recover from the fall in interest rates. The basic problem is the presence of a weak corporate guidance. Different currencies, like the euro and the yen, rated low against the dollar which had risen after a global hike in stocks for the first time in four weeks, but with a predicted rise in U.S. interest rates come December, not to mention the ever-rising tension in the elections, the dollar is sure to lose out as quickly as it rose.

 

5 End of Year Tips for Broke Millennials

The end of the year can be a hectic time with Thanksgiving and Christmas approaching as millions of Americans spend on travel and gifts. As most Millennials juggle student loan payments, this time of year can appear especially daunting in terms of financial health. Despite all the hustle and bustle at the end of the year, a solid financial plan is the best way to ensure you aren’t suffering from a financial hungover after the holiday season ends.

1.     Make a Budget

While most people understand the importance of a budget, many people neglect their budget during the holiday season. The end of the year can be quite the trial for your budgeting skills and commitment. There are plenty of free budgeting resources out there; for instance, one free budgeting app to consider is Mint. This app will allow you to create a budget, set spending goals, and track expenses. For those who need help maintaining a budget during the holidays, this is a great way to keep your cash in check. Of course, you can also do it the old-fashioned way with pen and paper, however, the computer programs make it more difficult to overlook certain budget expenses like saving for vacation or auto repairs.

2.     Refinance Student Loans

Many graduates leave college with an average debt of over $30,000, it takes more than several years to pay that kind of balance off. For new graduates on a tight budget, a few years may seem more like a few decades. Factoring all this into the holiday season makes the situation even worse. To help make the monthly payments more affordable, one option to consider is refinancing your federal and private student loans. There are multiple benefits to refinancing and consolidation. The largest benefit of refinancing is a smaller monthly payment which helps make budgeting more manageable. Another benefit of refinancing is a potentially lower interest rate for the student loan balance. Many borrowers save over 40% on total interest over the life of a loan, so student loan refinancing is definitely one of the premier ways to tackle student loans. After refinancing, the holiday season becomes much more financially manageable, and you can set a new year resolution for paying off your loans the next year.

3.       Increase 401k and Automated Investing

If you work for an employer with a 401k retirement plan, increasing your contribution amount by 1% is a good way to start off the new year. While retirement for a recent 21-year old graduate is 40+ years away, the best time to save for retirement is during your 20s. A twenty-year-old investing 10% of his or her income for the first ten years of their working career has more earning potential than a 40-year old investing 50% of his or her income for 10 years. For every extra year a dollar is invested, the more value it has down the road, so it is best to get the ball rolling early. Compound interest is the key term to remember here which is the reason why investing in retirement early is ideal.

If you do not have a company retirement plan, applying for an IRA is the next best move. Roth retirement accounts are funded with post-tax earnings meaning no tax is paid on the appreciated earnings in retirement. You do not need a lot of money to open an account, and you can start saving for retirement by automatically investing $100 per month. Since you do not want your contributions to be diminished with high fees, investing in an index fund is a low-cost way to track the market.

If investing sounds a little advanced for right now, another option is to start with the mobile apps Digit or Acorns. Both apps deduct a few dollars from your linked checking account each month and put it into a savings account. You may not get rich from either app, but they help encourage and foster the habit of routine saving. At any rate, they may serve as a beneficial new year resolution “stepping stone” towards retirement investing.

4.       Review your insurance plans

After rent and student loan payments, insurance is probably the next largest expense for most Millennials. Open enrollment for many individual health plans and companies is during late October and November which is conveniently right before the holiday season. Health insurance is the most expensive insurance product for many and open enrollment is a time to change your deductible or enroll in a health savings account. If you let the open enrollment period slip by, you will have to wait until next year to make any changes. Getting these squared away before the holidays is important because you may be able to save money with a new plan.

5.     Find a side job

If you have the free time, you can use your skills to increase your income. You can do so by freelancing in many different ways. For instance, you can find work on the side with local clients, start your own website, write for a company, and much more. There are plenty of job websites, one of which is Upwork, that provide hundreds if not thousands of opportunities for extra work. All of these opportunities can be found online which makes them readily available 24/7. If the online labor market is not your thing, then there are plenty of opportunities to find in person. Since it is shopping season, many seasonal jobs open up during the Christmas rush at retail stores. You should look for these jobs early in October because most employers hire for the season early. If you are really in trouble, then there are always part-time listings on Craigslist for random tasks like house cleaning or relocation help.

Guide to Being Financially Happy When You Reach Age 30!

Today’s post is a guest feature from Hannah Harvey! Please enjoy! 

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Still relying on the bank of mom and dad to get you by each month? Many young people are, but we encourage you to cut the reigns and be financially independent before you hit the big 3-0.

Relying on parents for money has been all too easy – they don’t want to see you go without, and so it can often be easy to win them round, getting them to give you a little extra cash each month. Perhaps you’re lucky enough for your parents to even pay your rent or cover some of your bills, but how long can this go on for? Your 20s is the decade to get yourself on your feet, but by the time you reach 30, you really don’t want to be knocking on mom and dad’s door anymore. So, this quick guide gives you some tips to being financially literate, financially settled, and ultimately financially happy by the time you’re 30.

Look at your salary

You don’t want to jump from job to job because this can look bad on your CV, but if you believe you don’t get paid enough for what you do, you might want to address this with your manager. Perhaps you could take on more responsibility at work. You could also commit to more overtime if you’re able to. If it really looks dead-end, why not look elsewhere, rather than get stuck in a pit?

Stop bad spending habits

Getting the latest gadget is, incredibly, a commonly cited reason for the younger generation taking out an online loan. It’s important to appreciate the differing perspectives on debt, specifically what makes it ‘good’ or ‘bad’. In short, I encourage you to stop creating debts on these ‘bad’ items, and invest in yourself instead. If you need to draw on a loan, do so wisely, we’re talking mortgages and student loans here for instance.

Partner up

If you want to make a big move and get on the property ladder, but can’t afford so on your own, maybe you want to partner up with some reliable friends and invest in a property together (look at this guide on how to make that work out!) Get some solid financial advice before making your move, and draw clear terms and conditions out with your pals.

Save, save, save

Remember how important it is to save money. Even a little each month can mount up over time. You never know when you’ll need to draw on that money, and much better a savings fall-back than a loan with high interest rates. Consider your employer pension too. It can be easy to dismiss this when offered it, because retirement feels like ages away – but by paying in now, you invest in your future. It will cost you a little each month out of your pay packet, and your employer pays in too.

What else do you think should be in this guide? Anything else that might help with financial happiness before one hits the BIG 3-0??

About Hannah: Hannah Harvey is an Irish born technical financial blogger! Follow her on Twitter!

Banking, you ask? I keep it Simple

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NOTE: This post contains affiliate links. Please see my disclosure page for more information. 

I prefer to keep everything in my financial life as simple and transparent as possible and Simple has definitely made that more possible for me this year! At the start of this year, I wanted to transition into all online banking as I really have no need for a brick & mortar bank location. I researched many different possibilities, plus I considered online banks where I hold savings and retirement accounts. I was even denied for an online checking account at one popular online bank (huh?), but the best free account for me was definitely the one offered by Simple.

I’m always looking for convenience and NO FEES when it comes to managing my money. My Simple account offers both. As someone who often runs the balance on my bank account down to a minimal amount, I always have to know my balance. With a typical bank account, written checks don’t always appear out of your online balance in a timely manner and if you forget you wrote one, say hello to overdraft fees! That doesn’t happen with my Simple account. First, Simple doesn’t offer paper checks with their accounts, so you don’t have to worry about forgetting to record a check and keeping a balance in check! Second, the Simple mobile app (available for iPhone and Android) shows an up-to-date balance that reflects your scheduled payments and any savings goals so that you have set up so that you don’t overspend.

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Speaking of fees, Simple is serious about no fees. There are no monthly fees, maintenance fees, and no minimal balance is required. It’s so much easier to keep more of my money this way. Once you sign up with Simple, you will receive a Visa Debit card so you can spend your money almost anywhere. If you need to withdraw from an ATM, there are 50,000 network ATMs nationwide that you can use without being charged a fee!! WHAT!? Without any physical branches, this makes it super easy for you to grab cash when you need it! However, if you have to use an ATM outside of the network, you might be charged a fee. I’ve never had an instance where I’ve been too far from a network ATM, even in my not-so-populated Midwest city.

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Simple accepts direct deposit and mobile check deposits up to a certain amount. However, if you should need to deposit a larger check, you can mail it in to be processed. The mobile check deposit system is very easy to use and you have your money within 2 days at most.

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My favorite part of the Simple platform is the way it lets you plan for expenses and goals. I plan for my rent each month and all I have to do is set the date and the amount I need and Simple automatically puts a little aside each day to meet that set goal. It would be so easy to set up special savings goals (events, travel, weddings, etc.) and set a bit aside each day without any extra thought. After planning for expenses, my next favorite part is being able to track my income and spending over periods of time. For each charge or deposit on your account, you can add notes, photos, and categories to help you remember and track purchases. Another thing I really enjoy about Simple is when I go to a restaurant or use an Uber, for example, the app automatically assumes I’m going to leave a 20% tip, which means my available balance includes that amount so that I’m not setting myself up to overspend! Obviously, I have many praises to sing about Simple.

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I only have one downside that I’ve ever experienced with Simple. ONE. It has to do with depositing cash. Since they have no branches, there’s no place to deposit cash. As someone who often gets cash as income, this can be tricky, but it has never been impossible to deal with.

If you’re in the market for a new and SIMPLE (see what I did there?) account to manage your money, I certainly hope you’ll consider Simple. It’s been an amazing tool for me when tracking my money, paying bills, and saving for goals.

Have you heard of Simple? Do you use it? How was/is your experience?

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All photos courtesy of Simple. 

How To Talk About Money With Your Significant Other

Today’s post is a guest feature by Michael from SuperMillennial.com! Enjoy!

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We’ve all seen the shirts, memes, or images of “couples that run together stay together.” Or “couples that laugh together stay together.” Or my favorite “couples that train together stay together.” Well the new one should be “Couples that talk about money together stay together.”

According to a Edelman Financial Services survey “44 percent of surveyed couples believe money is the root cause of most divorces.While some people say “money isn’t everything,” I personally couldn’t disagree more. I’m not saying you need a million dollars to actually be happy but money factors into to nearly all areas of our lives. If you’re able to manage your money successfully you’ll be able to sleep better, worry less and enjoy your life with family and friend.

If you don’t talk with your partner about money it can put a real strain on the relationship. Usually in the beginning money isn’t really a huge conversation for a new relationship. But as time goes and you become more serious it’s inevitable to talk about money with your significant other. Usually this comes when you begin to start living together or planning for the future. Whenever it comes up schedule some time to have an open conversation about your personal finances. Make sure you’re prepared by grabbing your favorite beer, wine or cocktail and have “the talk” about your financial future.

Here’s the keys to success to having a money conversation with your partner:

  • Be Honest: This is the time to be 100% open and in Will Ferrell’s words “This is the trust tree.” You should have a good enough relationship with this person where you feel comfortable sharing these details. If not maybe re-evaluate or slow down the moving in/wedding until you’re both 100% ready. Make sure you have your laptop and any other statements to review with your significant other by identifying the following:
  • Income: How much does each person make per year? Is there future bonuses, commissions or raises? Have you made this amount for a while? Figure out what each person is earning as a starting point. Then determine if the person who makes more will be paying more towards mortgage, rent, utilities etc.
  • Debt: This can be a touchy subject and one people might lie or get embarrassed about. No one wants to admit how much they owe the government or a credit card company. Put the pride aside and be honest on how much you owe to each individual. List out all debts for both and find out which ones have the highest interest rates. Find ways to cut spending to pay those down, transfer to a 0% interest credit card, or refinance student loans for a lower interest rate.
  • Plan: Who will pay the bills? Will one person pay all of them and the other will send the money? Or will both people pay a few bills? It’s not a bad idea to have at least one bill in each person’s name so they can also have a “utility” to provide if you’re planning on moving or finding a new place to rent in the future. Usually renters require payment stubs and/or past bills during the screening process. Make a calendar of when each bill is due, notate who will pay it (or set up auto pay to keep it real simple) & leave it somewhere you’ll both remember.
  • Spending: Opposites may attract but when two people are opposites with their finances a lot of problems (or divorce) can happen. If you’re a diligent saver and your partner is a diligent spender? You could see how it’d be frustrating to see your savings are being spent by your partner every month. With apps like Mint or Personal Capital it’s never been easier to track how much you’re spending. These apps allow you to set budgets, see where you’re overspend and track by categories to determine what you’re spending your money on.
  • Goals: Everyone probably has a list of financial goals whether they write them down or not. If not then talk about your future and find out what it is you want to save for. Without a reason to save it’s almost inevitable that you’ll live paycheck to paycheck instead of saving towards something you really want. By having similar goals you’re more likely to cut back and save towards mutual goals. Common goals could include:
    • Being debt free
    • Having an emergency fund of 3-6 months expenses
    • Buying a new (used) car
    • Taking that vacation you always wanted together
    • Saving for a down payment on a house or rental property
    • Wedding (don’t waste too much on one day!)
    • Pet or Child (both come with expenses)

Once you have the initial conversation make sure to have some sort of follow up or check in. If not you’re more likely to have the conversation when there is a financial problem. Even if it’s five or ten minutes each Sunday it’s better than a future disagreement that could’ve been avoided if it wasn’t held in. Bottom line, relationships are hard enough. Don’t let money be the reason you fight. By constantly communicating and working towards shared financial goals you’ll be set up to continue your life without always worrying about money.

In the comments, tell me how you and your partner talk about money! Are you both on the same page? Who’s the spender and who’s the saver?

About Michael: Michael L. is the creator of Super Millennial. He teaches people how to evaluate their financial situation, simplify money management & learn how to automate their investments to reach their financial goals. Subscribe for his personal finance “Keys To Success” PDF and blog updates HERE.

A Budget Update!

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Well, it’s been way overdue, but I’ve finally decided to redo my budget. The PearBudget spreadsheet that I have been using was no longer serving my budgeting needs. Since I quit my job a little ways back, it’s time to make a new one to reflect what I’m making now.

There’s a million reasons to adjust your budget, but I think a ginormous change in income definitely warrants a new direction. I’m not having any babies or anything, but I know it’s worth re-evaluating. For me, it’s been about TWO YEARS since I’ve reconsidered my budget. The numbers have even stayed pretty similar across the board, but life has warranted some changes, so here we go!

The old form was basically way too complicated for my much simpler financial picture at this time. Plus, I was just tired of entering a line for every single day of the month – now, it’s just categories. Since things have changed, I’m taking it WAYYY back. We’re going old school, down to my simplest “zero budget” spreadsheet.

Look below to see just how simple I’m planning to keep it. You’ll notice that it’s no longer a day by day breakdown. I’m still tracking my daily spending so that I can add it to these appropriate categories in bulk. I usually sit down and look at my bills and numbers about once a week, sometimes more. Hopefully, my simpler budget breakdown won’t take nearly as long to maintain.

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Next time you see this, you’ll see it with September’s numbers filled in! Hope your fall is off to a great start! Got some reviews to finally post next week! Yes, I know you’re thrilled!

How often do you re-evaluate your budget? What would you add to mine above?

“We have everything to share, nothing to prove…”

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“We have everything to share, nothing to prove…”

This quote. That quote always speaks to me. I wish I knew where it came from, but I’ve heard it all over the place so many times so I can’t really say where it originated. It’s a favorite of mine. A lot of people who do yoga, meditation, dance, or theatre have heard it many times. It’s one of those quotes that we share before we perform or take a class. It’s one of those “safe” phrases or just a reminder that no matter what, we are sharing our gifts with the world and it doesn’t matter what anyone else thinks.

  • It reminds us to be brave; performing or even speaking in front of others can still be difficult – even to the most seasoned veterans.
  • It reminds us to do our best – our personal best, for ourselves. And then share that with others who choose to see it.
  • It gives us permission to share our work an talents, but also to be ok with our process in the skills we’re sharing.
  • It gives us courage to embrace who we are and what we are presenting without worrying about pleasing everyone. Because, in the end, you just can’t please everyone. It’s just not possible.
  • It humbles us and gives us a chance to appreciate our talents and abilities. In the end, there will always be someone who is prettier, or more talented, or more whatever than we are. And that’s ok, because we don’t have to compare ourselves. We’re just taking this time together to share whatever play or song that we’ve been working on. Nothing else.

When you have everything to share and nothing to prove, you’ll realize that your standards are the only ones that matter – no one else’s do.

So, go out and have a great weekend!

On Patterns….Old & New

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This post was inspired by a couple of very random things:

  • One of my favorite musical theatre audition pieces: “Patterns” from BABY: THE MUSICAL by Maltby & Shire. This is a HUGE go-to song for me in my collection.This musical revolves around three couples and pregnancies and attempting to get pregnant. Even though that is not the stage of life that I am in, I still love the song and it highlights my vocal skills well.

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I know, this very random. However, I think it’s totally relevant. Go with me here because I just love a good text analysis that I can connect to my life.

Since leaving my full-time job to “decide what I want to do next,” I’ve been kind of aimlessly wandering. Sure, I’m still working on some freelance gigs and at a bar gig, but it all feels very “out of the norm” to me. It’s not routine. It’s not a pattern…yet. I was in the same daily pattern for so long before I quit my job and I still find that I’m struggling to adjust. I would almost say borderline depressed with the whole “what’s next?” factor. I think it was basically grief for closing a chapter of my life and not knowing (still don’t) what the next chapter is for me.

Patterns in my life that I trace ev’ry day
Patterns as i say the things I always say
Patterns in the ceiling as I lie awake
Why are patterns haunting ev’ry move I make?

Then, that Mastin Kipp quote showed up and jogged my brain today.

“Circumstances in your life that hold you back are simply patterns that no longer work.”

Doesn’t that explain the job I left? I felt that my old job was a circumstance (or a hindrance) that didn’t allow me any opportunities for growth – I’d climbed the top of the mountain already, per se. In this particular market that I live in, this was the TOP job that I could have in my field around here. Seriously, peaking from the ages of 25-29 was not quite what I had in mind. Cool and all, but definitely not where I wanted to hit the high point of my career. The environment became almost hostile, frequently catty, and extremely dismissive to women. However, I was in the routine (the pattern) of going to work each day and doing my job – no matter how I was really feeling. I just did it, because it was the routine. It was what I should do.

Patterns that begin as I walk through a door
Patterns in the curtains and the kitchen floor
Patterns in the day’s routines I must arrange
Patterns in the ways I try…but never change

Just look, as I’m thrown a curve again
I leap, then I lose my nerve again
In tears, running home I go
Secretly relieved
Safe with what I know, again

Those last two lines especially sting me – “Secretly relieved, safe with what I know, again.” I had been applying for different jobs for quite some time before I eventually just decided to leave my full-time job. I would always find little things wrong with each one I was applying for or offered, but I stayed for so long because I thought it was safe to stay. I stayed because I was relieved to not have to look for another job, regardless of how upsetting it was to go to work each day. I could count on the safety of the place, even if the workplace environment was no longer serving me in anyways.

Back to the quote by Mastin Kipp, “…Change the pattern, change your life.” I’m in the middle of changing a pattern of my life. A change from the certainty to something a little less certain. I don’t know where this change is taking me, but I feel things shifting in a positive way. I would never have the chance to see what else is out in the world if I had remained in that job. I would be stuck in a place that offered menial wages for unnecessarily hard work, stuck in a job that wasn’t challenging to me anymore, and just stuck being genuinely unhappy and stifled.

So, readers, my message is this: start changing the patterns in your life. If it’s not working, find a pattern that does.

  • If that pattern is coming home after work and eating 3 bags of Cheetos on your couch, change the pattern and take a walk after work instead.
  • If that pattern is working at a job that makes you so unhappy that you can’t stand it, change your spending pattern and save up enough money to cover some major bills to quit – that’s what I did.
  • If that pattern is burning yourself out as a parent all day and all night, change that pattern and ask for help once in a while. It’s ok to ask for help and you’ll be a better parent when you get a moment for yourself.
  • If that pattern is overspending, change that pattern to something that better serves you in the long run (saving, investing, cutting expenses overall, etc.).

I’m changing the patterns in my life, but I haven’t quite found myself in any new ones yet. If I get another full-time job, I’ll probably fall into a new pattern. If I choose to move somewhere else, I’ll probably fall into a new pattern. That time will come, I’m sure. For now, I’m trying to enjoy the random spontaneity I have. I know it won’t last forever, so I should enjoy it while I can. I’ll get back into a pattern soon enough.

Tell me in the comments: What patterns are serving you right now? What about patterns that aren’t – how are you working on those?

Coffee & Chit-Chat!

Hello People!

It’s been a journey here in the Broke Twenty-Something land this month! I’m thankful to have been busy with some things, but I’m ready to catch back up with you all! The month of July (and now into August) has been made possible by giant vats of coffee. I may need an intervention.

If we were having coffee today, I’d tell you just how proud I am of the special gigs I’ve taken on this summer. Directing a full-on kids show without minimal outside help has been exhausting, but rewarding. I may never work at this particular theatre again, but the kids have brightened my days and giving my days some structure.

If we were having coffee today, I’d tell you about all of these promo gigs I’ve been working. My agent always sends out “Hey! We need promo girls for events” emails and luckily (or unluckily), I’ve been free. It’s hard to say no to $20+/hour gigs. Totally thankful they’ve been around to pay the bills this month since I left my job. I’ve also been booking gigs on Fiver, not to mention the random gigs that have come my way from Craigslist! Also, that means you should Hire Me for something! 🙂

If we were having coffee today, I’d tell you how much I’ve enjoyed spending some extra time with my nephew before he goes back to school. If I would have had a full-time job this summer, all of that hang out time would not have been possible. I’m thankful that I’m just down the road and can spend time with him. He also discovered how to video chat – trust me, I’ve seen more feet, toes, and silly faces than I ever knew I needed. He’s a keeper.

If we were having coffee today, I’d tell you that it’s been ONE WHOLE YEAR since my sinus surgery! I know, I can’t believe it either! I’ve been 10x healthier ever since and I’m loving that I can breathe!

If we were having coffee today, I’d tell you that getting new health insurance was A SNAP since leaving my FT job. I qualified for a great state plan that has no co-pays. I couldn’t even believe it! I’m just thankful that I have minimal health needs right now. It’s a blessing.

If we were having coffee today, I’d tell you that I love owning my time again. Not going into my FT job anymore has made quite a difference in my life. I know I’ll have to go back to working some place soon (unless I keep picking up more freelance gigs), but this break prevented some serious burnout. I know that my situation would not be ideal for everyone, but I’m grateful that I could do it.

More soon, I’ve been taking some online courses and preparing some product & book reviews that I hope to share with you all soon!

Happy Friday!

Financially Savvy Saturdays #151

Welcome to Financially Savvy Saturdays, the savviest personal finance blog hop on the planet, created specifically for personal finance writers! We welcome all things money here. Whether you’ve written anything from how to tell if your finances are in order through to the details of your favorite money podcasts, you’re invited to link-up.

Vote for Financially Savvy Saturdays in the Plutus Awards!

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Before we get started with this week’s link-up, we wanted to let you know about the upcoming Plutus Awards! The Plutus Awards is an annual awards ceremony celebrating the best in personal finance. This year, it’s being held at the FinCon Expo on Saturday September 24 2016, in San Diego, California.

One of the categories for the Plutus Awards is Best Personal Finance Collaborative Project and we’d like to ask everyone that takes part in Financially Savvy Saturdays (whether you’re a blogger or a reader) to consider nominating us!

It’s really easy to nominate and will only take a minute – please head on over to the Plutus Awards nominations page!

Now back to the link up! If your blog post ties into personal finance, we want to read it!

Financially Savvy Saturdays Blog Hop with Disease Called Debt and Broke Girl Rich

One Broke Twenty-Something

This weekend we’re excited to welcome back One More Broke Twenty-Something, where she writes about the trials and tribulations of surviving your first decade on your own without starving to death.

Tweet about it. You can use #finsavsat when tweeting about the party!

Concerns about SEO? Recently many bloggers have decided to stop participating in events such as Carnivals. If you’re worried about how participating in this link-up could effect your SEO, I’d encourage you to check out this article.

Interested in co-hosting? Co-hosting is fun AND easy. If you’re interested, you can email us via brokeGIRLrich(at)gmail(dot)com or info(at)diseasecalleddebt(dot)com with any questions. Or if you’re ready to take the plunge, you can sign up on this Google doc.

If you’ve co-hosted before and enjoyed it, please consider doing it again! If you’re interested but nervous about getting involved, please email one of us, we love talking to new bloggers and would enjoy explaining how blog hops work and getting you more involved!

Feature of the Week

As this week’s visiting co-host, One More Broke Twenty-Something has selected her favorite post from last week’s blog hop to be this week’s feature – “Time’s Not Money, It’s Life” by Making Your Money Matter!

Yes! Time is simply worth money, and prioritizing your time means weighing things that are more important than money against making a living to support your family.
Click here to read this inspiring post!

If you submit a post, you could be featured in next week’s party!

We do have a couple of rules for participation. Those who don’t follow the rules will have their link taken down.

1. Your post must be written in the past seven days, related to personal finance and not be solely a giveaway.

2. Be sure to include a link to one of your hosts by copying and pasting the html in one of the boxes below into your linked up post. You have the option of the button or a text link.

3. Follow your hosts. You can follow brokeGIRLrich on Google+, Facebook, Twitter, Pinterest, OR by subscribing to her RSS feed and A Disease Called Debt on Google+, Facebook, Twitter, Pinterest, OR by subscribing to her RSS feed. Also, you can follow One More Broke Twenty-Something on Facebook, Twitter, OR Bloglovin.

4. Comment on at least one post before and after you that have joined the party.

5. HAVE FUN!

Please copy and paste this button into the post you link up:

Disease Called Debt

OR copy and paste this code for a text link:

 <em>*Part of Financially Savvy Saturdays on <a href="http://brokegirlrich.com/financially-savvy-saturdays-151/" rel="nofollow">brokeGIRLrich</a>, <a href="http://diseasecalleddebt.com/financially-savvy-saturdays-151/" rel="nofollow">A Disease Called Debt</a> and <a href="http://broketwentysomething.com/2016/07/12/financially-savvy-saturdays-151/" rel="nofollow">One More Broke Twenty-Something</a>*</em>