An e-commerce store is not enough to make money online. Customers need various payment alternatives. Otherwise, you risk being just another domain with a catchy name and no sales. For the majority of online retailers, there are many best payment option providers, according to our research. It is ideal for small startup enterprises while also meeting the demands of medium- to large firms.
Benefits Of Adding Payment Methods For E-Commerce Business
As was already said, there are different payment methods for business. There are hundreds of options available, the bulk of which provide additional terms and services, even after a brief search.
To avoid a scenario where online buyers feel they have no choice but to cancel the transaction at the last minute, businesses are now attempting to incorporate as many widely used payment alternatives as they can on their websites.
For e-commerce businesses, accepting a variety of payment options offers several advantages.
Increasing conversions
The main benefit of providing several payment methods is that it will increase your conversion rate. So the last point you wish to make is to turn away a consumer who visits your website and adds a thing to their basket.
Then, decides they want to deal with you by offering a small selection of payment options.
Less abandonment cart
If all went according to plan, the consumer would only be one click away from completing the purchase of your goods. On the other hand, this is most certainly not the case in real life.
According to many studies, one of the primary reasons why consumers abandon their purchases in the middle of the process is that they are confronted with challenges.
Enhance the customer experience
Making sure a well-known payment option is accessible demonstrates to your clients how much you value their experience and security.
Since your clients can quickly navigate your website in their usual style, a modest gesture may go a long way. Giving your consumers a variety of payment options makes the checkout process simple.
The customer experience is improved, and they are more likely to become repeat customers when they can buy something without hassle or security concerns. This ultimately results in increased sales for your online store.
Improve the trust
Many clients still believe that making an online payment is risky, and because of this, they can have a payment method that they prefer. Because you are taking into account the customer’s requirements, preferences, and safety concerns by providing various payment options, your online retail establishment will come off as more reliable to potential buyers.
Customers will feel more comfortable doing business with you if you provide a variety of payment methods to choose from.
Companies earn your confidence by associating themselves with reputable brands. When there are more alternatives available, it demonstrates a higher level of professionalism and authenticity.
Can reach new clients
Although younger buyers are much more likely to use digital wallets, it is not always possible for different demographic groups based on the form of payment they choose.
Many younger individuals still use debit and credit cards, while many older people are totally on board with the digital revolution. This is mainly because habit is the primary factor at play.
It is in every company’s best interest to increase the likelihood of making a sale by catering to the many individualized preferences of its customers.
How Do You Pay For Things Online?
Online payment methods are businesses that handle financial data on e-commerce websites. Making purchases has been greatly streamlined and made easier thanks to digital selling. Customers are guaranteed to be able to choose things online and pay there, thanks to payment methods. Therefore, you should have an idea about how to quickly set up online payment acceptance. There are many different sorts of payment methods, and they can offer a range of services. However, at their foundation, payment mechanisms exist to support efficient payment processing. Typically, they entail.
Gateways for Payments
These services offer the interface via which customers submit their payment details. Your online store and a payment processor’s portal are connected through payment gateways.
Payment Processors
Processors gather client data, confirm that the client has the necessary cash, and submit a payment request to the client’s bank. If the client has money, they accept payment and put it in your merchant account. The processor will let you know if there are no funds, though.
Providers of Banking Services
These are the well-known, conventional banks where clients have accounts. If insufficient money is in the customer’s bank account, the bank provider either settles the payment request or notifies the processor.
Merchant Accounts
Your account is a merchant account since you operate an online store. This is where you get paid once a successful sale is made to a consumer.
A payment method is undoubtedly one of the most important aspects that all successful e-commerce sites must have. Your online store can’t provide customers with value, and you can’t make money without a simple and efficient means to get paid. Especially, you should be concerned about how to save money on your business at startup costs.
Therefore, payment must be a top focus whether your B2B e-commerce business is just off the ground or you already have a successful setup. However, selecting a payment option may be more difficult than it seems.
There are important things to consider, such as the forms of payment offered in your area and whether they might work for your company. Another issue is selecting among the vast array of choices, domestically and abroad. But don’t be concerned.
Conclusion
Every eCommerce website needs a select few key components to operate. A means of earning money is perhaps the most important of all. Making money is the fundamental objective of your company, but if you can’t accept payments online, that aim is unachievable.
And also, there are many reasons for having diverse payment options in business. Having more than one method of accepting payments might give you an edge in the cutthroat internet industry.
Online payment options are available for eCommerce firms, and each guarantees a simple and secure checkout process.
How to sell photos online is a question I have been working on for almost a decade. I have tried almost a dozen different ways to sell photos. While some avenues have been more successful than others, I am excited to share with you the most successful ways to sell photos online.
As many of you already know from other posts, I love photography. While I am in a season of life that does not let me shoot new photographs right now, I still have a passion for photography. Even though I am not making new photographs, I actually still passively make money off of them.
Over the years, I have been fortunate to shoot photographs all over the U.S. and the world. It took a lot of honesty with myself, patience, and persistence to build my skills to produce good photographs. Many of my photos have been sold to people around the world using several different platforms of selling. To have someone purchase a photograph that you created from scratch is an extremely rewarding experience.
Enough about me, we are here to help you sell photos online.
1. Stock Photography
My guess is you have heard about stock photography, especially if you are a fellow blogger.
For me, this has been my most successful way on how to sell photos online.
Using Shutterstock or iStock Photo is probably the easiest way to earn extra money online selling your photos. All you have to do is head over to one of these sites, sign up, upload, get accepted, then sit and wait to get paid.
I have used stock photography to make truly passive income for the past ten years.
A Personal Story
About five years ago I was in St. Louis. While there we visited a high vantage point in the hotel we were staying at. It just happened that vantage point looked over the St. Louis Gateway Arch. I snapped a quick shot (this article’s featured image) through the glass window not thinking anything about it. Later on, I decided to add it to Shutterstock and iStock Photo.
To be honest, compared to the other photos I was uploading, I was not too excited about this photo.
To my surprise, this photo has been a best seller for me since that day. Between the two hosting services I have made well over $1,000 off of the photograph.
Why did this photo do so well? My theory is because it is from a different angle than your typical St. Louis Arch photograph. Go ahead and take a look at the top St Louis Arch photos on ShutterStock and compare them to mine above. Notice how it is completely different from the other top sellers. This is what you should do for your stock photography. Find a topic on one of the stock photography sites that is selling well. Then analyze the competition to figure out how you can do your photo better bringing fresh content to the topic.
2. Direct Sells
A few years back I was very active in marketing my photographs. I was blogging every day, creating conversations on Twitter, and gaining visitors like crazy. This is when I had a few people directly contact me to use my photos. One client was a hospital in Iowa looking for photos to use on their website. The second client was a marketing company out of Sweden looking to use my Portland Headlight photo for one of their clients.
Overall, I made over $75 off of these two deals. While not much, I was still very excited.
Lesson Learned: One thing I learned was to only work with clients who have a budget. The hospital did not so I gave them a one-year license for free as long as they gave me credit for my work on the site. I thought this would give me exposure. It did not.
Never give your work for free! It usually never works out.
I learned from this mistake when the Swedish deal came up. Here I made sure that I was going to get some money out of them. We came up with a deal for $75, they signed the license, then I sent them a digital copy of the image. It was essentially a direct stock photography deal.
3. Etsy
If you read my 8 Extremely Flexible Part-Time Jobs for Us Grown Ups article, you know I once started an Etsy shop a while back. I did not spend much time on my shop to get it going but did sell a couple of photographs there. I have heard that if you work fairly consistently on your own shop for about a year that it can become pretty lucrative.
As I said, I did not really work very hard on my shop so nothing huge ever materialized with Etsy. Out of the photographs I did sell, I made around $100.
Hopefully, in the near future, I can get back into my Etsy shop. I think this could be a really nice way to make some extra income.
Etsy allows you to sell your own crafts as a part-time gig.
4. Magazines
One time, I had the editor of a digital magazine contact me to take some photographs around the Denver area. They were doing a spotlight on the city and wanted me to take photos of local landmarks, things to do, and my favorite, food! I went around taking these photos, signed a contract with them, and then got paid a couple of hundred bucks. Later on, the article was published which was an incredible feeling!
To start your own freelance journey on how to sell your photos online, I recommend you to contact editors of any magazine around the country. This will let them know you exist and that you are hungry for some work. Do not get discouraged if they say no right away. If they turn you away, remember to follow up every couple of months or so.
Also, I am sure there are freelance websites around the internet to help you find new gigs. I do not have any personal experiences with these websites though. Oh! Article idea!
5. Consignment Shops
Alright, this idea is not about how to sell photos online but rather at a physical store. It is very similar to Etsy and Direct Sells so I wanted to include it for you. Here you can find locally-owned gift stores that sell items from local artists. Most of these stores sell items as a consignment shop would. They give your item space in the store for a certain amount of time. Once it sells then they take a cut of the income and you get the rest. Pretty sweet!
Personally, I was able to sell a couple of photographs this way. I made a modest $150 from the sales. Overall, this is a very time-consuming method compared to stock photography but you are not competing against as many photographers so the likelihood of you selling a photo is much greater. Plus you might have to sell 30 stock photos to make what you do by selling one photo in a consignment shop.
Here in Denver, there is a group of people that sell tons of photos at consignment shops around the city. As you can imagine, this takes time to build relationships with shop owners, get prints, deliver them, check in on inventory, and pick up checks. While easy work, it takes up time.
Wrapping it All Up
Here are five fantastic and very probable ways on how to sell photos online. Most of which I have done myself. Some of these methods take more time than others. Some are truly passive while others require you to reach out and find work. If you are ambitious it is possible to do all five of these methods to sell photos online.
I would recommend starting with only one at a time instead of trying to start with all five at the same time. Eventually, I think you can make photography a full-time business if you are consistent.
It takes time, patience, and persistence to sell your photos online. Do not give up if you have not sold anything in the first week. Keep pushing forward analyzing your work to make sure that it actually looks good compared to others. If not, learn how you can make your work better. Remember that failure is okay and if you learn from your mistakes you will come out ahead.
Applying for your first mortgage is nerve-wracking. With all the different factors to consider, it’s easy for first-time homebuyers to get overwhelmed. Buying your first home is a massive step in your life, and living in a home that you own can feel very liberating.
To help you first-time homebuyers looking to apply for a mortgage, we’ve created a checklist of things to do when applying for a mortgage to make the process much easier for you. So, if you’re a first-time homebuyer, you’ve come to the right place.
Set a Budget
The first thing we recommend doing when applying for a mortgage is setting a budget.
Based on your savings, income prospects, and your regular salary, it will be easy to gauge the type of downpayment and monthly fees you can afford. Remember, mortgages are paid over many years, so it’s always important to think of long-term costs.
By setting a budget before hitting the market, it will be much easier for you to narrow down options.
Having a set budget also allows you to search for homes that really fit your budget and needs.
Improve Your Credit Score & DTI
Two important factors lenders consider when it comes to mortgages are the borrower’s credit score and debt-to-income ratio.
What is a credit score?
Your credit score depends on many factors such as new credit applications, existing credit, and how consistently you pay monthly dues, just to name a few. A low credit score makes it harder to secure desirable interest rates, so we highly recommend applying for a mortgage with a high credit score by not applying for new credit cards, making substantial debt payments, and paying your bills consistently and on time.
What is a DTI?
Your personal DTI ratio factors in your overall monthly debt compared to your monthly salary. Lenders base your capability of making regular payments on your mortgage on your DTI, so it’s best to get that in order before checking out mortgage options.
Consider Your Lending Options & Get Pre-Approved
Different lenders offer a variety of mortgage options. And understanding the variety in the market is very important in finding the right mortgage for you. A mortgage broker can help you shop the market.
Once you’ve found the right lender for your mortgage, you have to get pre-approved for a loan. Borrowers need to meet certain requirements. It will also help greatly if your DTI and credit score are all in order to help secure lower interest rates.
Start the Hunt With a Qualified Real Estate Agent
After getting pre-approved, it’s time for the fun part: looking for a home.
To help you on your hunt, we recommend finding a competent real estate agent in your area. A real estate agent understands the market and can provide you with useful input that you can use when deciding on a house.
Before you start looking at options with your real estate agent, we recommend writing down important questions you would want to ask about the house and market situation.
Keep Interest Rates and Closing Fees Into Account
Remember, the downpayment and monthly fees aren’t the only things to consider. There are many fees associated with buying a house, and many first-time buyers get surprised by all the additional fees included.
When buying a house through a mortgage, there will always be an interest rate. Depending on your DTI and credit score, the interest rates vary, but always expect to pay more money when buying a house through a loan. On top of that, there are also certain fees you need to handle when closing a sale. If you keep these fees in mind when buying your first home, it will be much easier for you to estimate the actual cost at hand.
Mortgages can be scary and intimidating. However, if you make sure to start saving early and get your finances in order before applying, you’ll find that scoring a mortgage with desirable interest rates is much easier than you think! And once you get pre-approved for your mortgage, you can finally start searching for a dream house that will be your home for many years to come!
Crypto trading is not just for the elites anymore. This relatively new digital asset class has reached the masses, and it’s no wonder – these investment opportunities seem to offer a select few extraordinary returns (while also lose money) or can be used to develop expertise in other areas.
Many people realize that crypto trading is not just an area for professional traders who know their stuff. Crypto trading offers an opportunity to make money or lose a lot of money, depending on if the investor is willing to learn the ropes, take advantage of free online courses, try out numerous strategies, and learn more about the industry.
Why is Crypto Trading Becoming Popular?
Crypto trading is an area of interest for so many ordinary investors because it can offer some profits. However, not all ordinary investors can be considered successful traders. The nature of this field attracts only those who are willing to learn the ropes and take advantage of all the opportunities that are available online, and even then only a lucky few are successful. Cryptocurrency trading strategies will help you become better at understanding the cryptocurrency market without putting your entire investment at risk.
How to Become Proficient at Crypto Trading?
With so much information out there for even the newest crypto trader, it’s essential to understand where you should start your training… and how you should best proceed. There are multiple places to begin your crypto trading education, but the Weiss Cryptocurrency Ratings is one of the more well-known sources. These ratings are updated weekly, and they’re considered one of the most accurate sources in crypto trading analysis. Using these ratings, you can determine which currencies are worth investment dollars – and which ones should be left alone.
Benefits of Crypto Trading for Ordinary Investors
If you have a little spare time and would prefer to learn more about crypto trading on your own, consider the following benefits:
1. Trade on the Go:
The good thing about trading with cryptocurrency is that it can be conducted anywhere. Using your smartphone or laptop, you can trade 24 hours a day, seven days a week on Robinhood and other brokerages. This flexibility offers many advantages to ordinary investors who don’t want to miss out on lucrative opportunities.
2. Learn How to Trade Without Risk:
If you’re not already an expert at crypto trading, don’t worry – education is available online and via free courses that will help you understand how this investment market works. By learning established crypto trading strategies, you can learn how others are trading in the industry.
3. Learn New Skills:
Cryptocurrencies are becoming more prominent in our society, and now’s the time to learn all about them. Whether you’re interested in the standard methods for buying or selling digital currencies or are curious about popular platforms like Ethereum or Bitcoin, there is something for everyone. As you continue your education, you’ll find many ways to enhance your computer skills and boost your career prospects – even if you’re not a trader
4. Enjoy the Opportunity:
What’s great about cryptocurrency trading is that it allows you to take advantage of an opportunity and to learn something new in the process. While earnings vary, there are opportunities to potentially make money and lose money – if you’re willing to invest your time and learn.
Should You Trade Cryptocurrencies?
Cryptocurrency trading is an exciting opportunity for ordinary investors to try something new in the market. Many people are surprised to learn that they can actually trade cryptocurrencies in the real world. As you become more knowledgeable about crypto trading, you’ll realize that this is a field worth investing in.
Tips to consider before you begin trading
Don’t Invest All of Your Savings: You may be tempted to invest all of your money into the cryptocurrency market, but that’s not a good idea. While it’s true that you can make a profit by purchasing digital currencies via PayPal or credit card, make sure you diversify your investment portfolio. If the entire value of your money is tied up in one particular currency, you’ll lose all your profit if the value drops significantly.
Diversify Your Investments to Protect Yourself from Losses: When you think about investing in digital currencies, it can seem like an interesting opportunity – especially when looking at how much money is made by traders everywhere. However, it’s important to remember that crypto trading is not a sure thing. While you can make money in this field, you can also lose money. When you look at the overall trend of crypto trading, it’s evident that the risks are considerable – but if you focus too much attention on how much money can be made, you may lose sight of what could happen if your investments are in jeopardy.
Don’t Over-Trade: It’s very tempting to buy and sell several trades in a single day, especially when there are opportunities to make money every time the market moves. However, when it comes down to it, frequent trading can cause more harm than good. Cryptocurrency analysis and the prices of digital currencies vary significantly from time to time, and even minor fluctuations can cast a shadow over your bottom line. By not diversifying your trades and keeping a close eye on what’s happening in this market, you’ll be much better prepared for the unexpected.
Monitor Your Investments Regularly: To protect yourself from losses, you must keep an eye on the price of cryptocurrencies when you’re in the market. Sure, a swing in price isn’t a cause for alarm – but if you see a significant drop in value in a short amount of time, it may indicate that something is going wrong with your holdings. It’s essential to take a break from your investment portfolio every once in a while and run a brief analysis to make sure your money is safe.
Conclusion
Cryptocurrencies are an exciting industry that appears to be in the news every day, but it’s important to remember, however, that the hype has risks. By taking the time to learn more about cryptocurrency, you can become more knowledgeable about the industry and understand what all the hype is about.
Are you ready to leave the routine of your nine-to-five job behind for good? Do you want to take full control over when, where, and how you work? If so, you should aim to make a living online. Whether you start your own e-commerce platform, whether you operate a blog, or whether you try your hand at freelancing, there are a plethora of ways for you to generate an income solely via the internet.
If you’re to succeed with your web-based entrepreneurial venture, it’s imperative that you heed the following advice. Here are four things you must-do if you’re to stand a chance at earning a living online:
Consider your money-making options
If you want to make money online, then it can help if you find something you love. Rest assured, there are plenty of profitable avenues for you to take in this sense, so this will be easy enough to do. Whether you are interested in the digital marketing industry and keen to start offering affiliate marketing or social media influencing, or you are considering the benefits of offering an online course/e-book creation, there is so much to choose from.
Each money-making opportunity will require a slightly different set of skills and offer various benefits to those who find success with it, so take plenty of time to research before you select your chosen option.
Be professional
You might not be meeting the majority of your clients in person, but this doesn’t mean that you can afford to act in an improper manner when conducting business online. If you’re serious about making a living via the internet, you need to take this venture seriously. More to the point, you need to be incredibly professional at all conceivable points. The way in which you converse with your web-based clients will make or break your ability to generate leads, which in turn will have a profound effect on the monthly wage packet that you earn. It is for this reason why you must go above and beyond to cultivate an executive online presence for yourself.
To build a professional web-based reputation, you must:
1. Start and build a blog that is specific to your niche market (advice on how to produce great blog content can be found here).
2. Manage your social media accounts to ensure they don’t display any content that may damage your brand image (in this instance, it is best to keep your professional and personal lives wholly separate).
3. Ensure that your profile photos are up-to-date, taken by a professional photographer, and showcase your image in the best possible light.
4. Interact with your target audience members on a consistent basis (this means responding to their queries in a timely fashion at all times).
No matter what web-based money-making market you wish to enter, you can guarantee there will be a number of companies already plying their trade within this niche sector. This means that you will face stiff competition as soon as you embark on your entrepreneurial endeavor, but this isn’t necessarily a bad thing. The work that your rivals have previously produced can be used as a blueprint for success in your field; in order to create this all-important blueprint, all you need to do is study your competitors.
Thanks to online comparison sites such as SimilarWeb.com, this need not be a long or arduous task to undertake. Whether you’re looking to compare today’s biggest gambling platforms or today’s top ecommerce sites, you can use this type of website to unearth crucial information regarding your target market. With this data at hand, you will then have the capacity to avoid making the mistakes that your rivals have themselves previously made.
Build your following
Cultivating your own unique web-based reputation is the next important challenge that you face. This will help you to stand out from the crowd in your market, which in turn will increase the likelihood of you turning over a substantial profit from your money-making venture.
There are a number of tasks that you can perform in order to grow your online brand, one of the most important being to build your following. The type of leads that you generate and visitors that you attract will have a profound effect on how you are perceived via the web. Either this will help you to attract the right attention going forward, or it will have an adverse effect on the ongoing profitability of your entrepreneurial endeavor.
In your quest to cultivate a robust following, it’s advisable that you take some time to find social platforms that work for you. The sites that you use will either help you or hinder you in your attempt to access your target market, as each individual social platform is tailored around the specific wants, needs, and desires of a different audience.
There are a number of key demographic trends that you might want to consider studying in this instance, age being one of the most important. As detailed by Business Insider, it is stated that Facebook consistently draws the oldest audience (45-54) of regular web users. Conversely, it is said that teenagers are now starting to spend more time using ‘digital hangout’ apps, such as Houseparty and Zoom. Depending on which online market you wish to appeal to, it is recommended that you scrutinize your options in order to unearth a worthwhile social platform.
If you want to take control of your ongoing professional growth and development, you should seriously consider utilizing the web as a money-making tool. Thanks to the rise of web-based communication/collaboration technology, there’s no reason why you can’t make a living from the comfort of your own home.
In order to stand a chance at succeeding with your internet-based endeavor, you should put all of the advice laid out above into practice. Be professional, study your competition, build your online following, and find a vocation that actively engages you. Once you do all of that, you’ll be sure to get more out of your day-to-day life as an entrepreneur.
Even if you are an American citizen who resides outside of the United States, you should still think about your tax obligations and obligations. Despite the fact that you may be tempted to believe that you are already free from filing federal tax returns because of your distance from the United States, paying taxes in another country is still your responsibility even if you relocate to that country permanently.
To help give you more clarity on this matter, here are a number of crucial things that you must know about how to file taxes online from abroad:
Expats Have to File Their Tax Returns
The American taxation system does not discriminate based on where in the world an individual citizen resides. Everyone, including American citizens and Green Card holders, is required to record all of their income on Form 1040 every year, no matter where they live in the country.
Expats Receive an Automatic Filing Extension
Expats usually get a two-month automatic filing extension, therefore the filing date for expats is June 15th. One of the reasons expats are given more time is because they are frequently required to file a foreign tax return in their country of residence as well. If an expat owes US income tax, it is customary for them to pay it by April 15th in order to avoid interest and late payment penalties, even if it is merely an estimated amount that has been paid on time in the previous year. However, because of the COVID-19 epidemic, the reporting and payment deadlines for all Americans have been extended even further, this time to July 15th, for the year 2020.
How Do Tax Treaties Help Expats?
The tax treaties that the United States has signed with around 60 other nations do not exclude expats from filing. However, some expats, most notably students, teachers, and researchers, as well as retired expats and athletes, benefit from stipulations inside a tax treaty. Tax treaties generally determine which country has priority in taxing particular forms of revenue, and they frequently allow the two countries to share personal and financial information in order to combat tax evasion.
What is the Foreign Tax Credit?
The Foreign Tax Credit allows expats to claim tax credits in the United States equal to the amount of foreign taxes paid on the same income. Form 1116 can be used to claim it. It applies to both earned and passive income, although it cannot be used in conjunction with the Foreign Earned Income Exclusion.
Missed Paying Your Taxes? You Can Still Catch Up!
Americans living overseas who were unaware of the filing requirement can catch up without suffering penalties according to the IRS’s Streamlined Procedure amnesty program. To do so, expats must file their last three federal tax returns and six FBARs (for any of the last six years that qualify), as well as self-certify that their earlier failure to file was not due to purposeful evasion of their filing obligations. However, you must respond quickly because the amnesty is only accessible until the IRS approaches you.
The 4 Things to Think About When Filing Taxes While Working Abroad
1. Self-employment taxes
Even if they have to pay foreign social security taxes, Americans who are self-employed overseas must still pay US social security and Medicare taxes. Neither the Foreign Earned Income Exclusion nor the Foreign Tax Credit can be used to eliminate self-employment taxes. In fact, the only way to avoid them is to incorporate internationally and work for your new business.
2. Owning a business abroad
Expats who own a foreign-registered company must report it to the IRS using Form 5471. While US registered single owner limited liability businesses can be reported on Form 1040, expats must first file Form 8832 to have their foreign-registered single owner limited liability firms treated in the same way. Foreign registered business accounts are likewise eligible for FBAR reporting by the owner (or signatory). Expats who pay foreign corporate taxes in the United States are eligible for tax credits in the United States.
3. Taxation of foreign investments and pensions
Gains from international investments and dividends from foreign pensions are taxed in the United States, even if they are not earned in the country from which they are derived. Expats should be especially cautious when investing in international mutual funds, which the IRS considers PFICs (Passive Foreign Investment Companies) and hence requires extra reporting. Foreign investment accounts—including pensions—could also prompt FBAR and FATCA compliance.
4. Claim the Foreign Earned Income Exclusion
Expats can claim the Foreign Earned Income Exclusion on Form 2555 when filing their federal return, which allows them to deduct a set amount of their foreign earned income (up to $108,700 in 2021) from US income tax.
To be eligible, expats must either prove that they live permanently in another nation or that they spent less than 35 days in the United States during the time period they are claiming for.
Only earned income, not passive income such as rentals or payouts from pensions or investments, can be eliminated.
Don’t Know How to File Taxes While Abroad?
TFX is a friendly and experienced firm that specializes in US taxes filing abroad. We are here to help you stay on the right side of IRS regulations so you can focus on running your business or living your life! To get started, contact us today and we’ll answer any questions you have about expat taxes and how our services work, what they include, or anything else related to international tax filings with the IRS.
TFX is a women-owned tax firm that offers all U.S. tax services — for both American citizens and non-citizens with U.S. tax filing requirements. From straightforward expat tax preparation to complex cases involving multiple factors — we’ve handled it all for over 25 years.
This is probably nothing new to you. Food is expensive! Outside of our mortgage payment and childcare, it is our biggest monthly expense. That is why I wanted to explore how we can save money on groceries.
Typically my wife and I will spend around $100 to $125 a week on groceries. This is for a family of four and a healthy fitness diet. I would like to lower our bill by about $25 a week which is a pretty significant cut! Especially when we are trying to eat healthily.
Let’s take a deeper look into saving opportunities to save money on groceries. This means looking past the typical tips you hear such as never going to the grocery store on an empty stomach or always go with a list. The seven tips below are sure to help anyone reduce their overall grocery bill.
1. Loyalty Cards
My wife and I tend to do all of our shopping at King Soopers on a weekly basis. In the Denver area, they tend to have fairly good prices with a great loyalty program.
One perk of King Soopers loyalty program is the gas savings. For every $100 you spend they will give you 10 cents off a gallon of gas. Since we currently spend about $100 a week on groceries, those savings start to really add up over the course of the year.
Also, just like every other company does nowadays, with loyalty cards they track what you purchase. With this knowledge, King Soopers will give you customized coupons every month. Unlike other coupons, these are actually useful for your style of shopping. I hate it when stores provide coupons that are never relevant to what I normally purchase.
I recommend doing research in your region to find who has the best prices along with a good loyalty card program. Then head over to those stores to get signed up.
2. Plan your Meals for the Week
My wife and I have found that we save money on groceries a lot better when we go to the store with a meal plan. During the week we can choose what we eat depending on how we are feeling that day from those seven meals. We try to pick two to three meals that are super easy to make (30min or less) and the rest are a little more complex that takes more time to cook(an hour or more).
I like the application called Mealime to help me out with planning our meals for the week. They allow you to select several dietary restrictions, foods you like/do not like, and then it gives you several meals for the week. The application even gives you a nice grocery list based on those recipes.
3. Meatless Mondays
This is a tough one for me as I like to have meat protein with every meal. I have always thought that you need a traditional protein every meal. Then I met Tristan, one of my best friends, who is a vegetarian. Over the years he has shown me great ways to get that protein from other sources rather than only meat. The nice thing about this is that these alternatives are usually much cheaper than most meat.
Making one or two vegetarian meals a week can help save money on groceries by cutting some major costs that come with purchasing meats.
4. Coupon Apps
Typically most major companies will have a mobile application that makes it easy to find their coupons. I would not hesitate to download the applications for the stores that you shop the most at. They make it easy to find the coupons you need so they can get you into their store. What they do not know though, is you are coming into the store with a plan (See Meal Planning above) so you will not buy any extra items.
Outside of using major retailer’s applications, there are many awesome third-party applications. Some of these include Ibotta (see item #5), SavingStar, SnipSnap, Grocery IQ, and Grocery Smarts. I personally do not have any experience with these applications (Except Ibotta) but they are now on my list to help my wife and I cut 25% off of our grocery bill.
I know Andrew uses Dealspotr to find great deals on all sorts of things including when he buys groceries online. Yes, that’s becoming more of a thing.
What couponing application do you use to save money on groceries?
5. Ibotta
Ibotta is pretty awesome and simple at help you save money. This couponing/rebates company, based out of Denver, allows you to save money on everyday items that you actually use. I must say, I really love this app.
The whole process is fairly easy. You sign up. You unlock cash rewards on the items you plan to purchase before heading to the store. You buy those products. You scan the product barcodes and submit a photo of the receipt. Then you get paid!
Have you used Ibotta? I try to use this app every week when I grocery shop.
Bonus Points: There are several other apps that are similar to Ibotta. These include Checkout 51 and Ebates (See Andrew’s Review).
6. Buy Generic
As mentioned earlier, my wife and I usually shop at King Soopers unless there are good deals at another store. King Soopers has great generic brands such as Kroger, Simple Truth, and Private Selection. These brands help us save a lot of money each week.
Most of the time these generic brands have similar, if not better, quality as the name brand. Why spend an extra dollar or two for that name? Going generic for most or all of the items on your list can cut down that final bill to save money on groceries.
Do you have any favorite generic brands to save money on groceries? Mine is Simple Truth at King Soopers or Kirkland at Costco!
7. Make Your Own
Buying items that are pre-made is super convenient and easy on a busy night after work. Sadly, these pre-made items are costing you a lot of money each week. This is because you are paying for the labor that goes into prepping that item.
Instead of buying these items, you should opt to make your own.
I recently had an experience where I bought a pre-chopped bag of cauliflower rice at Costco. This bag was about $5.50 and came with WAY too much chopped-up cauliflower. I decided to buy this bag because I was nervous about how much time was needed to go into making cauliflower rice. Just this past week I had another recipe calls for cauliflower rice. I did not have the time to go to Costco to get another bag or need that much.
So instead, I bought one head of cauliflower, put it into our food processor, and within a few minutes had my own cauliflower rice. The whole head of cauliflower was only 98 cents, saving us $4.52 for an extra three minutes of work.
Each week I can easily create a few savings by prepping my own food instead of buying pre-prepped food. The savings would really start to add up quickly then!
Now Go Save!
Adding these tips on top of the general rules, listed above, of grocery shopping will help you save tons of money every week. Now let’s go out and save money on groceries!
What are you doing to save money on groceries each week?
Just engaged (or married?) Congrats! Follow these money moves for couples to grow richer together as you grow old together.
As a newly-engaged couple or newlyweds, you’re probably getting lots of advice from everyone around you. Some of this advice may be solicited, while much is not.
Well, today, you’re going to get seven more pieces of advice. The good news is that it has the power to transform your financial situation. Read on for our top personal finance tips for newlyweds:
Openly Share Your Entire Financial Situation
It’s important to be open and honest with your partner in all aspects of your relationship, but especially when it comes to money. Whether you’re just engaged and trying to set your wedding budget or just married and saving for your first downpayment, now is the time to come clean about your credit history if you have yet to do so.
For many, marriage means combining finances and financial responsibilities, so it’s imperative to understand where both of you stand regarding savings, debts, etc.
A great place to start is to get a full credit report and credit score. This will help the two of you understand the current situation to plan what to do next.
Be Prepared in Case of Emergencies
When it comes to saving for emergencies, most Americans are woefully unprepared. A 2018 study by the Financial Industry Regulatory Authority (FINRA) revealed that 46% of households don’t have suitable rainy day funds.
The best way to protect yourself from unexpected expenses — like a major car repair, a hospital stay, or a stint of unemployment — is to start saving now. Most experts suggest having enough money put aside to cover a minimum of three to six months’ worth of expenses for your whole family.
And as a bonus, if you keep your savings in a high-yield savings account, you’ll earn interest on your savings while you grow your emergency fund.
Pay Yourselves First
Once your emergency fund is fully stocked, make saving for other short and long-term goals a priority and a habit. As Dave Ramsey suggests, pay yourself first by contributing to your savings before doling your discretionary spending allowance. It’s important to save for sunny days just as much as the rainy ones!
This obviously means you’ll need to establish a monthly budget for yourselves. It would be best if you had plenty of money left over when you deduct your monthly expenses from your income. If not, you may want to consider finding ways to cut back or try our next suggested money move for couples!
Live On One Income
Instead of looking at each of your salaries as your own, you can take the approach of looking at all of it as “our money.” This outlook will greatly simplify your finances, encourage open communication about money, and help you gain momentum as you work together toward your shared goals.
When you pool all of your money together, you have access to more funds, period. For some, it may be possible to live off of just one income and devote the other to a specific financial goal. Whether you put it towards paying off debt, creating an emergency fund, or saving up a hefty down payment for your first home, you’ll find that you’re able to make more progress and keep your motivation levels high when you’re in it together.
Keep Working While You’re Child-Free
If you’re not itching to start a family right away, give yourself time to enjoy the perks of the DINK life. DINK is an acronym for a dual income no kids household and is one of the most powerful money moves couples can make. Using this time can be critical in setting yourself up for financial success in the long run. Combined with living on one person’s income, you can sock away a significant amount of savings during your pre-baby years.
Maximize your DINK savings during this time by:
Finishing your degree to land a better-paying job.
Learning a new skill to net you a raise or make you more marketable.
Create Multiple Streams of Income
A lot of younger newlyweds are facing student loans, a car payment, and even a mortgage. A few hundred dollars more each month could make a huge impact on your financial life. Having multiple income streams is also a great way to protect yourself from unexpected expenses or job loss.
Side hustles are all the rage and can be a fantastic safety net should the rug get pulled out from underneath you. (You know, like because of a pandemic or something.)
Truly, having something to keep you afloat should your job situation change is an essential money move, whether you’re single or in a couple.
Get Life Insurance
It’s never too early to make end-of-life plans. Now that you’re married, it’s not just you anymore, and you need to plan for your family’s financial future.
Depending on your age and health, life insurance can be a cheap and easy way to ensure your family is protected from financial ruin if the worst should happen.
All of this may seem a little morbid, but don’t let it ruin your post-honeymoon glow. There’s nothing more loving than ensuring your loved ones’ financial security.
Try These Money Moves for Couples to Build a Better Financial Future
As a woman who’s a bit further ahead of you on this journey, I sincerely hope that you consider these pieces of advice. Open communication, defining shared goals, and working together towards them are the keys to financial success and fun in your marriage.
In a perfect world, you’d wake up every day and live the life of your dreams. Unfortunately, however, this is easier said than done. Sometimes, you need the support of a professional such as a life coach to achieve your unique goals.
So what exactly is a life coach, and can you benefit from one? Let’s dive deeper into the answers to these questions.
What is a Life Coach?
A life coach is a wellness professional who helps all types of people succeed in their personal and professional lives. They will work with you to identify and overcome obstacles and make the most of your strengths based on your particular goals and needs. A life coach may also help you improve your relationships at home and in the workplace and excel in various aspects of your life.
It’s important to understand that a life coach is not the same as a therapist. While a therapist is a trained mental health professional who can diagnose and treat mental health conditions, a life coach focuses on personal development, motivation, and empowerment to meet your goals.
If you’re living with a mental health disorder like anxiety or depression or wish to heal from previous trauma, a therapist is likely the better choice. On the contrary, if you’re feeling “stuck” and wish to live a meaningful life you’re proud of, hiring a life coach could be a good option.
Life coaching may be particularly beneficial if you wish to clarify and achieve certain personal or professional goals. Life coaches can also help you become more financially independent or achieve a healthier work/life balance. You’ll find that working together with a life coach can motivate and inspire you to live a better life and achieve your desired results.
Types of Life Coaches
Not all life coaches are created equal. In fact, there are a variety of life coaches available. Some are holistic, while others specialize in one or a handful of areas. Here’s a brief overview of the types of life coaches to consider for your individual needs.
Holistic Life Coach
A holistic life coach can help you improve your life as a whole, not just the individual parts.
Career Coach
With a career coach, you can meet your short and long-term professional goals. They can assist with career planning, interviewing, and negotiating to optimize your professional life.
Divorce Coach
You can count on a divorce coach to support, motivate, and guide you as you go through the process of divorce and emerge stronger and more confident in your personal life.
Executive and Leadership Coach
If you’re an executive, manager, or business leader, executive life coaching can unleash your potential and show you how to steer your team or organization toward success.
Family Life Coach
A family life coach can assist with relationship issues between parents or parents and children. They can also help you with a healthy work/life balance.
Financial Coach
With a financial coach, you can receive the support you need to develop smart financial habits, meet your financial goals, and enjoy life more with less money stress.
Fitness Coach
If you wish to improve your diet and establish a sustainable workout routine, a fitness coach may be an invaluable resource to help you achieve your desired results.
Health and Wellness Coach
A health and wellness coach can help you achieve and maintain a healthy lifestyle and improve physically, mentally, and emotionally.
Life Skills Coach
With a life skills coach, you’ll gain personal development skills, learning how to manage day-to-day tasks, and become more independent.
Recovery Coach
A recovery coach can support you in your recovery from alcohol, drugs, or related addictions.
Relationship Coach
The goal of a relationship coach is to assist you with a personal relationship such as a marriage. They offer advice to deepen intimacy and pleasure between you and your spouse.
Spiritual Coach
A spiritual coach can help you find your inner peace through various metaphysical and spiritual tools.
Life Coach Certifications and Qualifications
There are no formal education or certification requirements for life coaches. Many of them rely on their own life or professional experiences to help clients meet their goals. Some life coaches, however, do take the time to earn certifications. A few of the most popular designations include:
iPEC Certified Coach
An iPEC Certified Coach has received the hands-on training they need to help clients focus on the root of a challenge and shift the energy that feeds their thoughts, words, and actions.
ISSA Certified Fitness Coach
An ISSA Certified Fitness Coach has completed various exercise science courses such as Group Exercise, Bodybuilding, and Yoga.
FFC Financial Fitness Coach
An FFC Financial Fitness Coach has undergone specialized training to help clients create healthy financial habits and implement realistic action plans for their finances.
If you decide to move forward with a life coach, you’ll likely meet with them three or four times a month. Depending on your particular needs, however, more or fewer sessions may make sense. As you begin to meet your goals, you may reduce the number of sessions you originally signed up for and work with your life coach periodically.
Thanks to video conferencing tools, most life coaches offer virtual sessions. These may be a great option if you lead a busy life and don’t have the time to travel to meet with your life coach. They can also be a good choice if you wish to work with a life coach that lives far away from you. If you prefer an in-person relationship, rest assured that in-person sessions are almost always an option.
While each life coach has its own rates, most charge anywhere between $200 to $1,000 per month for several sessions. A specialized life coach such as a career or financial coach will likely charge more than a general holistic life coach. Also, virtual sessions tend to be more affordable than those performed in person.
It usually takes at least a few months of sessions to reap the benefits of life coaching. Therefore, life coaches often require that you commit to them for at least three to six months. Fortunately, they’ll usually allow you to stop working with them without a penalty if you don’t find value in their services.
To make the most out of a life coach, you’ll have to do more than show up to sessions. It’ll be your job to follow your coach’s advice and incorporate what you’ve discussed in your day-to-day life. It’s also imperative that you do your homework in between life coaching sessions.
We asked Allison Task, a Career & Life Coach based in New Jersey, to describe her homework expectations from clients:
“I tell my clients to plan for 5-10 hours of coaching homework per week for optimal results. That way, we focus on strategy in our in-person sessions, and clients will accomplish more faster.”
Homework assignments will depend on your unique goals. In most cases, however, they’ll be fairly simple and straightforward. Your life coach might ask you to keep a journal of things you’re grateful for or create a list of experiences if you’d like to check off your bucket list. Homework is typically designed to encourage you to think about your current life and future goals proactively.
One financial life coach shared his thoughts on what to expect when you start working with a coach:
“Financial concepts might seem simple at first, but they can be hard to implement on your own. A financial coach is here to help you implement these concepts into your daily life. When hiring a financial coach, you should expect to learn about how to manage your money better, how to create healthy financial habits, and see financial results within your first meeting.” – Marco Carreira, Carreira Finance.
Another coach who specializes in helping women going through divorce offered an additional perspective:
“When professional divorcing women hire me as their financial coach, we work together for six months. I help them make wise financial decisions during this very emotional time. The work is very individualized based on my clients’ unique needs. I cover both the practical financial steps they need to take, and also address the emotional and mindset issues so divorcing women can permanently improve their relationship with money.” – Christine Luken, Certified Financial Counselor with 7 Pillars, LLC.
Should You Hire a Life Coach?
There are several reasons you may benefit from working with a life coach. Maybe you’re searching for someone to guide you to reach your personal goals or achieve your full potential in your career. Or perhaps you’ve experienced a major life event and are unsure of how to move forward. Here are several situations that may warrant a life coach.
Getting married: While tying the knot is exciting, it also comes with new financial obstacles that you may not know how to navigate. For example, a financial coach can help you decide if you should combine your finances after marriage and address money topics like debt and spending that may be difficult to bring up on your own.
You landed a new job: Whether you just received a major promotion or recently lost your job, you can work with a career coach to thrive in your new professional situation. Your coach can help you develop a plan to succeed in your new position or find an ideal role for your education, experience, and preferences.
You want to improve your physical health: A fitness coach or health and wellness coach may be well worth your time if you’re looking for a customized nutrition plan and workout routine individualized for you.
Getting divorced: With a divorce coach, you can get through your divorce’s stress and chaos and start fresh. If you have children, they may help you pinpoint and fulfill their needs.
You’ve completed an addiction treatment: If you’re transitioning back to everyday life after an outpatient or inpatient addiction treatment, a recovery coach can connect you to resources so you can reenter the workforce, resolve legal issues, and meet other goals. They may also empower you to identify and overcome common relapse behaviors.
You have a mental disability: A life skills coach can help you develop the skills you need to integrate into your community, pursue employment opportunities, and lead a higher quality of life.
You recently become a part of a blended family: If you’ve remarried and are now a part of a blended family, you can face your unique challenges with the guidance of a family life coach.
How to Find a Life Coach
Since there are countless life coaches out there, it’s important to do your research and evaluate all your options. Here are some things to ask yourself while you’re looking for the right professional.
What type of life coach are you looking for? If your main goal is to improve your finances, a financial coach is likely your best bet. If you’d like to lead a healthier lifestyle, a health and wellness coach can be a good fit.
When do you want to start? You may want to work with a life coach as soon as possible or wait a few months or even a year from now. It all depends on your current state and how soon you’d like to accomplish your personal goals.
How much time can you devote to life coaching each week? Take a close look at your schedule so you can figure out how often you’d be able to meet with a life coach. If you’re a busy professional and parent, monthly sessions rather than weekly ones may be more realistic.
What is your budget? Figure out how much you can and want to spend on a life coach. If you’re on a tight budget, a specialized coach with in-person sessions may be unattainable. Many life coaches will offer a free introductory session to help you both decide if you’re a good match.
How will you measure success? Consider what you’d like to get out of a life coach. Do you wish to begin a new, fulfilling life after your divorce? Is your goal to lose X amount of pounds or have more energy during the day? The word “success” means different things to different people, so figure out exactly what it means to you.
Would you like to meet in-person and virtually? Your schedule, preferences, and comfort level will dictate whether you’d like your life coach sessions to be in-person or via video conferencing. If you opt for virtual sessions, you’ll have more life coaches to choose from. You may decide on a life coach that’s thousands of miles away yet has the experience and tools you’ll find valuable.
Hiring a Life Coach Near You
There are many reasons you may prefer in-person life coaching sessions. If you’re easily distracted or have difficulty building trust online, an in-person life coach probably makes the most sense. In-person life coaching sessions may also be a better fit if you have a chronic health condition or don’t want to worry about technology malfunctioning. Here are some resources that can help you find a nearby life coach:
While you may be fortunate to find your perfect life coach where you live, you’re more likely to find the best life coach for you by broadening your search. Since most life coaches regularly meet with their clients virtually via Zoom, Google Meet, or telephone, you might discover that your perfect life coach lives hundreds or even thousands of miles away!
To find life coaches based on your unique interests and individual needs, consider the following examples of online resources to find your perfect match:
Financial Coach: The Wealthtender Financial Coach Directory is a top resource to find a financial coach who understands your unique circumstances and can help you achieve your financial goals.
Relationship Coach:Relationship CoachFinder is a great place to search for a relationship coach that can help you improve your marriage or other romantic relationship.
Health and Wellness Coach:Wellness Coach Connect is ideal if you’re on the lookout for a health and wellness coach who can support your journey to a healthier, happier life.
Career Coach: GetFive has created a resource you can use to locate coaches from various professional backgrounds who can help you achieve your professional goals.
Questions to Ask a Life Coach
Once you’ve narrowed down your options and found a few life coaches that pique your interest, don’t hesitate to call or email them with questions. By doing so, you’ll find it easier to make an informed decision for your unique situation. Feel free to ask questions such as:
What is your background? Determine whether a life coach holds a special degree or certification if they don’t find out what experience they have, that makes them qualified to support you with your goals.
How long have you been a life coach? Life coaching is a fairly new industry, so many coaches may only have a few years’ experience in the role. However, what you should look for is someone well-versed in a topic you’ll need help with, such as fitness, resume writing, or employee motivation.
Where can I find reviews or testimonials? A life coach can praise themselves for days, but reviews and testimonials from their clients are far more reliable. Find out where you can find them. For example, you’ll find ratings and reviews on profile pages for financial coaches featured on Wealthtender to help you decide which coach is best for you.
What is your philosophy? A quality life coach should have their own philosophy that helps guide their sessions. Ensure you understand and agree with a coach’s philosophy before you decide to work with them.
How much do life coaching sessions cost? You don’t want to receive any surprise bills in the mail. So it’s your job to clarify a coach’s pricing structure. Inquire about any hidden fees and acceptable payment methods. Also, ask if they offer a free introductory call to decide if you’re a good match.
What can I expect from your sessions? Get an idea of what will happen if you do decide to work with a specific life coach. Is there a certain structure their sessions follow? Will you have to do homework in between sessions?
What is your cancellation policy? Sometimes, life happens, and you can’t make an appointment. Ask the coach how their cancellation policy works and whether you’d have to pay a fee for canceling.
A Life Coach Can Change Your Life for the Better
You only get one life. So why not live it to the fullest and become the very best version of yourself with the help of a life coach?
No matter your age, income, or occupation, you may benefit from one of these professionals who can help you achieve your goals.
This article was written by Brian Thorp and originally appeared on Your Money Geek. It has been republished with permission.
This is a guest post by Clara Decker of CouponsMonk.com, a deals and discounts provider company. She is passionate about money savings, investment and finance industry. In addition, Clara also supports non-profit agencies that provide healthcare solutions to handicapped and disabled people.
Managing one’s finance, sticking to the budget, and handling investment decisions are easier than ever before now. All thanks go to the today’s crop of personal finance apps which are getting popular with each passing day.
They are effective enough to help you strategize and manage your finance in the best possible way. In fact, these apps are taking the world by storm. Especially, it is expected that millennials are going to get benefited with the largest amount of personal wealth of any generation through these apps.
Undoubtedly, there is happening an explosion of brand-new consumer finance brands which are certainly changing the way how people spend, save, and manage their money.
Howbeit, it is even true that not all such personal finance apps are worth downloading and using both. There is a myriad of options available out there which are not incorporated with enough smart technologies to help you plan your financial life in a better way. Hence it is always recommended to avoid them.
Which are the good ones then?
This piece of writing will actually help you out to get the right answer to this question.
It can be considered as one of the best apps to manage your precious bucks. It comes as a powerful all-in-one resource which is perfect for curating a budget and tracking the same. All that you need to do is just connect all your bank and credit card accounts, monthly bills and so on. Hence, you can be assured of all your finances to be in a convenient place. You don’t have to access multiple sites to access your financial data. You may notice that even Wallet Squirrel’s own Andrew uses this daily.
With the amazing perks like letting you know the due time for your bills, how much you owe etc., Mint has become immensely popular nowadays. Also, this app is technically sound enough to give you specific advice on budgeting. This is not the end! You can even enjoy the exhilarating feature of free credit score.
If you’re someone who believes in tracking your finance to attain the best results, this app is definitely your cup of tea. If you use this it, you don’t have to manually log-in to your expenses at the end of the day. This free app is such a user-friendly one which can even take a snap of your receipts. Above that, if you are someone who is using geo-location on your smartphone, this app can further help you in saving that information. In the end, the process will end up being pretty fast for you while saving the time for several steps.
Hence, if you want to have a clear insight of where your bucks are going, you can simply trust on Wally.
If you want to spend some money on trading, Acorns is the best way of doing that. It is such an interesting app that even if there is a spare change from any of your purchases, you can invest that into stocks and bonds. If you are new to the market and you want to figure out frugal ways to make an entry, this app can definitely help you out.
All that you need to do is just make a log-in to your bank account. You will be able to choose an account to make an investment. Next, it needs a little bit of more details like your employee status, net worth, annual income, and decision to invest. That’s it!
Acorns will automatically suggest you a portfolio of stocks and bonds which will match your investment goals rightly. With Acorns, you can choose to start at just $ 5 or in bulk, in the blink of an eye, you will become an investor.
If you want to excel in saving money, you can go for Digit. This app is able enough to analyze various information starting from your income to spending habits while syncing with your checking account. It smartly pulls out the money that seems to be extra in your bank account! Within a significant duration of time, you will end up saving huge. You can download Digit from both Android and iOS apps.
It’s true that we often earn enough but it doesn’t suffice our needs. There are many such big responsibilities like putting our kids through college or buying a house which seems to be quite scary! Isn’t it?
However, if you download the Rize app, it will create a specific roadmap for you to help you accomplish all the aforementioned objectives. You just have to enter your plans and the app will do the rest. It will help you to get ready for all such big plans while saving your bucks. Whether it is iOS or Android, you can download this app from anywhere.
Clarity can let you have your own personal financial advisor always with you. This app effectively monitors and analyses your income and spending. Also, it keeps a track of all the transactions which happen in your bank account. Further, Clarity can even alert you if it figures out that you’re spending over the budget. It will also suggest you enough ways to reduce your spending.
Also, Clarity often does some more essential tasks for you like canceling subscriptions, looking for discounts and so on.
How thrilling is this?
Just try their little AI from any one of the Android stores now!
Every one of you have some debt in some or other way. If you want to keep away some extra money for that but don’t have time to go for a part-time job, you can take help from Fivver. It is a global online marketplace based app which offers various tasks and services starting at the cost of $5 when you complete each gig.
Do you think the amount is too less?
Well, the upsell potency for each gig that you will deal with is really huge! There are even some of such expert Fivver sellers who charge almost $45 upcharge to deliver the gig within the duration of 24 hours. So, you can become one among them and earn huge to upgrade your personal finance.
Aren’t these personal finance apps seem to be worth enough? Don’t wait anymore! If you want to become financially stable in your personal life, try them soon. There can’t be any better way to manage your finance in the right way.
How to sell photos online is a question I have been working on for almost a decade. I have tried almost a dozen different ways to sell photos. While some avenues have been more successful than others, I am excited to share with you the most successful ways to sell photos online.
Applying for your first mortgage is nerve-wracking. With all the different factors to consider, it’s easy for first-time homebuyers to get overwhelmed. Buying your first home is a massive step in your life, and living in a home that you own can feel very liberating.
