New to BFS? Please click here to get started.
You can also sign up for my FREE Weekly Newsletter to get access to EXCLUSIVE monthly giveaways!!!
See you in the comments soon!

5 ways for millennials to improve their finances quickly

This post may contain affiliate links.

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

Gambling for Profit: Is It Possible?

This post may contain affiliate links.

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

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

This post may contain affiliate links.

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

Don’t Forget Your Finances When You Spring Clean

This post may contain affiliate links.

Don’t Forget Your Finances When You Spring Clean In the South West, you didn’t need that extra hour thanks to daylight saving time to tell you winter was on its way out, nor did you have to wait until March 20th to know spring had arrived. The vernal season blossoms early in states like Texas compared to the rest of the country. If you took advantage of your head start, you’re probably through most of your annual spring cleaning chores already, but don’t throw in the yellow gloves just yet. We’re willing to bet there’s one part of your home you haven’t dusted off in a while and that is your finances. Don’t worry. Adding this item to your list won’t be as hard as you think, nor will it add a lot of time to your housework. It’s actually quite simple when you use the following tips to guide your tidying. Keep reading to learn the fastest and most effective way to enforce organization onto your finances. Step One: Evaluate Your Budget Your budget is the foundation of your finances. Without it, you can’t effectively run your household or take advantage of investments and other financial tools. If you … Read more

8 Reasons Your Online Meetings Fail

This post may contain affiliate links.

Regular meetings aren’t a guarantee that you’re doing it right. You know something’s missing but you just can’t seem to put a finger on it. Here are a few reasons why your online talks and meetings seem to fail all the time: You’re Boring These days, video calling solutions might have given companies a fresh new way to get those meetings done. But if you still aren’t delivering the kind of content your audience needs—in this case, everyone in the meeting—and delivering them in a way that’s engaging, that could be why your meetings are dry and dead, with little to zero engagement from everyone on the team, the PGI says. That’s because engagement matters. One way you could do to resolve poor engagement is to increase audience participation. If all your meetings start and end with you talking throughout, you might want to take a step back and allow key members of your audience to do a presentation or take over a portion of the discussion. It can be boring if your audience has to listen to you all throughout the meeting. By changing that and calling on employees to participate, you can draw them into the meeting with … Read more

21st Century Technology: Digital Wallets

This post may contain affiliate links.

There is almost nothing cooler than being able to leave your home without your wallet. Today, cell phones let commuters get on the subway with a tap, buy coffee with a tap, and attend shows and movies by displaying a screen. All of this is due to digital wallets, an innovative way for customers to hold their financial and important documents on their cell phones for access at any time. Near Field Communication Thanks to near field communication (NFC), customers are able to store their credit card, banking information, gift cards, etc. on their phone’s digital wallet. Merchants with “tap and pay” payment processing machines simply ask customers to tap their phone on the terminal to complete the transaction. Digital wallets are usually strongly encrypted, meaning that the data from customers’ credit cards is scrambled before it’s transmitted and then unscrambled by the payment machine. Encryption makes it nearly impossible for someone to steal your financial information. Because of this, digital wallets are more secure than credit cards themselves, since credit cards can be easily cloned. Practicality For customers, having a digital wallet means no longer having to carry around a bulky physical wallet filled with gift cards from your … Read more

Should You Renew Your Apartment Lease? 5 Important Factors to Consider

This post may contain affiliate links.

Remember the day you signed the lease on your current apartment? The sun was shining, the birds were chirping, and you couldn’t see a single fault in your beautiful new dwelling. After six to twelve months in an apartment, even the best of abodes start to show their cracks (though hopefully not literally). A few months before your lease ends, you must ask yourself: should I stay or should I go? There are pros and cons to re-signing a lease and putting in your notice when your contract ends. Here are five important factors to consider when you’re deciding whether or not to extend your lease or find new housing. Crunch the Numbers One major deciding factor will be the price point. Now that you’ve lived in your apartment for at least a few months, you have a better idea of how much rent, utilities and living expenses really cost. Are your housing expenditures in line with your financial goals? Has your job situation changed since you signed the lease? You may want to upsize, downsize or stay in place accordingly. Moving isn’t free. The average cost of a move within the state is $1,170, and costs rise with the … Read more