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5 ways for millennials to improve their finances quickly

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One of the biggest gaps in most peoples’ education is the lack of financial knowledge. There are thousands and thousands of college students that are entering the workforce every year, and they have no idea how to manage their finances. Not having a game plan for your money is one of the worst things that you can do. Without a plan, you could end up in a massive hole of debt with no way of getting out. If you’re in the dark about your finances, don’t worry, there are several ways that you can quickly improve your game plan today.  Make a Budget Easily the most important thing that you can do is make a budget. It sounds like a mind numbing task, but thanks to your smartphone, it’s never been easier. There are dozens of different apps that you can use to make a budget with only a few simple swipes. One of the best apps that you can use is Personal Capital. After you create an account, all you have to do is sync your bank account and credit cards, and the app will handle the rest. It will show all of your recent transactions and show you … Read more

I’m Still Here

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Yeppers, I am still here.  My most recent miscarriage, has made me crampy and tired, but I’m physically fine.  Medically, my two follow-up blood tests have shown my HCG falling like it should and I have another blood test this week. As usual, I can’t easily write informational posts when I’m sad.  It’s like my give-a-shit turns off.  But I can vent. My Current Mood In this specific case, I seem to have enough energy to keep up with pet sitting, my online business emails, and to stay in touch with friends and family.  Then I just want to eat donuts and nap. And I have been eating ALOT of donuts and taking MANY naps.  Yeah, I know the donuts are working against me, but if you mention that below, I will most likely tell you to fuck off.  That’s the sort of mood I’ve been in. I don’t have the classic 5 stages of grief.  I generally just vacillate between angry and sad/depression for a while and then bounce right to moving on. I am sincerely happy that pet sitting is awesome even when I’m not.  I get to pet, play, and talk to all the dogs and cats like usual, and … Read more

Gambling for Profit: Is It Possible?

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If you want to gamble, there are always quite a few possibilities to do so. If you settle for “simulators”, you can find myriads of smartphone apps and desktop games that you can try – successful mobile apps like Slotomania, Big Fish Casino, and others, are always there for you to try real money pokies without spending a cent (unless you want to). To experience the real thing, you’ll have to head over to a real life casino – there are quite a few in almost every state, so you can easily plan a weekend getaway that involves sightseeing, gambling, and other forms of fun – if your budget allows it, of course. Gambling is fun – if you enjoy it, of course – but it can eat into your budget if you are not mindful. Unless, of course, you learn how to turn your gaming into a profitable experience. Choosing your game wisely Not all casino games are created equal. There is one metric that is used to measure the long-term profitability of casino games is RTP (return to player). For most casino games, the RTP is between 95 and 99%, meaning that players can expect to lose between … Read more

Another, Scarier Miscarriage But I’m Okay

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For anyone following along, Len and I have been trying to get me impregnated for a couple of years. Our Last Try We went from cool-if-it-happens to we’re-going-to-actively-make-this-happen around October 2016.  I bought some ovulation sticks, peed on a dozen of them over as many days, had sex when they indicated we should, and we got me pregnant in November 2016. Well, that ended in a miscarriage in January 2017 with a blighted ovum (dumbass scary name for just no baby in the basket). This Attempt at Baby Making We waited a couple of months and I started peeing on ovulation sticks again in March 2017, which led to me getting pregnant again.  I was worried about another miscarriage and had been making them give me blood tests as soon as I peed positive. Up to the beginning of last week, I had taken 3 blood tests that had led to Progesterone suppositories but generally good signs, so they were going to wait two weeks to give me my first ultrasound.  I requested a fourth blood test because I wanted to see higher numbers and that the suppositories were really working (no one wants to keep using vaginal suppositories if they … Read more

When Debt Sets Up Camp on Your Doorstep: Practical Strategies for Reclaiming Your Finances

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When you are up to your ears in credit card debt and every other kind of debt, phone calls are bound to begin coming in from debt restructuring companies and other firms who try to offer you easy ways to get rid of your debt. While you should consider serious offers (and not the spammy ones), there’s something far better that you can do: choose the hard and old-fashioned way of cutting back on waste and building up savings. It’s possible, and plenty of people to it. If you’re reluctant, you should think about it this way — you have to begin at some point. If you don’t make big changes now, someone from a creditor, a court or elsewhere will make you do it. You’ll feel far better doing it on your own. If you’re ready, try these steps. Stop feel-good purchases on borrowed money Ending credit spending on feel-good purchases should be your first move. If you’re used to leaning on your credit card for inessential purchases whose sole purpose is to make you look good to other people, you need to take a close, hard look at what you’re doing. What does it say about you when you care so much … Read more

Sometimes There Just ISN’T Enough Time

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How many times have you heard someone preach about time management while you are thinking “that is bullshit”? Here on BFS alone, I’ve probably written more than a dozen posts on the subject.  I apologize if I ever made you roll your eyes so hard that they were in danger of never coming back.  Sometimes there is simply NOT enough time. Just Not Enough Time Living example:  I have been trying to squeak out enough time to type up my income and net worth update for April.  But that usually takes about 1-2 hours and I have not been able to shoehorn that in between answering blog ad deal emails (priority), pet sitting (another priority), spending time with friends and family (my main priority), and sleeping (a necessity that I rarely prioritize). 5 years ago, I could fit everything in by living off of 4-5 hours of sleep per night.  Yeah, well, I’m 34 now and it’s 6-7 hours minimum per night for me or I get woozy…and bitchy. So if I can’t steal it from sleep and I refuse to steal it from my people or the money-making parts of my businesses, then I’m left with taking 20 minutes … Read more

Back to Blogging for the Fun!

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I’m tired of trying to be a good personal finance blogger that does 1000+ word posts every time with just stuff that’s helpful.  I’m tired of putting off every post to edit it, add Pinterest images, attempt low level SEO CPR, find affiliate links that don’t make me gag, and then cross my fingers that this is the post that goes viral.  It’s making me want to quit. Why I Started I started blogging because I could put my random thoughts up here about money or life (and usually both), then you’d chime in too, then I’d chime back, and then we’d feel like we met someone who “gets” us.  Well, I don’t know about you, but I bet it’s easier to connect if I just write and we talk. I Suck at Professional Blogging I’ll just say it…I suck at trying to make this a professional blog and I won’t ever be as awesome as Michelle from Making Sense of Cents even though she started like a year or two after me.  She figured out how to be personable and professional and make shit tons of money.  I took her course (hahahaha, I did fit in an affiliate link, heeheeheee), … Read more