Your Guide – Tips for Holiday Tipping (and My Story Working for Tips)

Tips for tipping this holiday season

This week, I’m reviewing all of the people who provide me with services, and figuring out how much to tip them.  The following are my tips for holiday tipping.

At holiday time, it’s appropriate to tip service providers that you see on a regular basis.  And avoiding services in December in order to weasel out of tipping someone who provides you with services throughout the year is frowned upon.

Read on and see my story on working for tips and who I think you should give a little extra to for the holidays.

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How Will Your Student Loans Affect Your Credit Score?

How will student loans affect your credit score?

You’d be hard-pressed to make it through college these days without student loans.

With the cost of a post-secondary education rising each year, most people can’t afford to attend university without the help of student loans.  Even a 529 plan and a partial-tuition scholarship might not be enough to avoid student loans.

While there are many advantages to student loans, and you can get special treatment with your student loans, it’s important to understand how a student loan can affect your credit.

Since your credit score is an important part of your financial life, it’s a good idea to consider the impact of your student loans.

Student Loans And Your Credit Score

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Lifestyle Inflation: The Silent Killer of Your Finances?

lifestyle inflation: the silent killer of your finances

Chances are, you want to make more money.

Most of us think that a higher income would improve matters in our financial lives.

But would more money really be useful to your long-term financial health?

It could potentially help — as long as you don’t let lifestyle inflation drain away your excess income.

The reality is that when most people earn more money, they spend more money.  If you aren’t careful, lifestyle inflation can destroy all of the benefits that come with a higher income.

You won’t get ahead if you don’t put that money to good use for your future.

What is Lifestyle Inflation?

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Where’s My Tax Refund? How to Check the Status of Your Tax Refund

where's my tax refund

When you are expecting a tax refund, it is normal to file a little bit early.

The very next thing you say once you file is “where’s my refund?”  We can’t wait to get that money owed to us.

Indeed, many people have already received their tax refunds.

When you get refunded depends on two main factors:

  1. How you filed (mail or e-file)
  2. How you receive your refund (paper check or direct deposit)

If you mail in your tax return, and opt to receive your refund in the form of a check from the United States Treasury, it can take as long as two months or more to see your tax rebate.

This is the combination that takes the longest.
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Get the Job You Want! – How to Choose the Right References for Your Job Search

references_job_search

Anytime you search for a job, there is a good chance that you will have to provide references to the hiring manager.

Potential employers want to talk to people who know you, and who can provide insight into your abilities and strengths.

Choosing the right references for your job search is about more than just providing a list of names to a potential employer.  If things get serious, the hiring manager is likely to follow up.

Do you know what your references will say about you?

Here’s How to Go About Choosing the Right References in Your Job Search

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These 6 Behavioral Finance Mistakes May Be Ruining Your Finances!

behavioral_finance

Behavioral finance is the study of how our behaviors affect our finances.

In many ways, the way that we see the world, and our reactions to what is happening around us, define our finances.

We might not even realize how our biases affect our finances.

The first step to overcoming biases in your life, especially if they are psychological, is to acknowledge them.  You need to be aware of what is holding you back.

Once you recognize the reasons for your difficulties, it will be easier to address them — and to come out ahead with your finances.

Here are 6 behavioral finance mistakes that might be holding you back:

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5 Financial Considerations Before You Quit Your Job to Be Your Own Boss

financially_ready_quit_job_own_boss

For many, the dream of working from home is a strong inducement to quit a job.

After all, if you could be your own boss and set your own hours and still make a living, wouldn’t it make sense to walk away from “the man”?

Quitting your job is about more than just making sure that you have enough income from your side hustle to replace the income from your day job.  You might not realize all the benefits you’re getting from your current job.  You will need to a way to make up for those losses as well.

Before you take the plunge and quit your job, here are a few questions you should have answers for:

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