CUTTING SPENDING SPENDING MONEY YOU DON’T HAVE YEAR 2023

href=”https://www.TreasuryDirect.Gov”>https://www.TreasuryDirect.Gov

OFFICIAL SITE OF THE UNITED STATES TREASURY

Cutting spending starts with stopping spending money you have and that you’re

spending money on things you don’t need. Credit card debt has reached

If you’re willing to budget then you can cut debt, and build a cash reserve.

Budgeting starts with overcoming the dislike of budgeting your income. Overcoming

being told what you can afford and what you need to save for can be frustrating.

Yet, step 1 can be as simple as writing down what your income is, weekly, monthly,

and yearly. If Americans cut spending by 10% and pay that amount for one year, credit

card debt will BE 93 BILLION dollars less. At an average of 19% interest rate, this

will save the American consumer 18 Billion starting in 2024.

What do you mean by budgeting?

Image result for budgeting

Budgeting is the process of creating a plan to spend your money. This spending plan is

called a budget. Creating this spending plan allows you to determine in advance whether

you will have enough money to do the things you need to do or would like to do. Budgeting

is simply balancing your expenses with your income.

What is Budgeting and Why is it Important?

What is the best budgeting method?

The 50/30/20 rule is an easy budgeting method that can help you to manage your money

effectively, simply and sustainably. The basic rule of thumb is to divide your monthly

after-tax income into three spending categories: 50% for needs, 30% for wants and 20%

for savings or paying off debt.

How much credit card debt is in the US?

Total credit card debt reached a record $930.6 billion in the fourth quarter of 2022,

according to the latest credit report from TransUnion. As balance rise, so have

delinquencies, which is “something to watch,” says TransUnion’s Michele Raneri.

https://www.Benefits.Gov THIS IS AN OFFICIAL

SITE OF THE UNITED STATES GOVERNMENT. YOU’RE BE SUPRISED AT ALL THE GOVERNMENT

PROGRAMS THAT IS AVAILABLE TO AMERICANS. SHARE THIS INFORMATION WITH THOSE WHOM CAN

BENEFIT FROM ALL THESE PROGRAMS.

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HIGH SCHOOL SENIORS/PARENTS FINANCIAL AID FOR COLLEGE

Do you pay back a Pell Grant?

https://imgenerationx.com/wp-admin/post.php?post=16505&action=edit

A Federal Pell Grant, unlike a loan, does not have to be repaid. Pell Grants are

typically awarded only to undergraduate students who have not earned a bachelor’s

degree. Under certain conditions, students enrolled in a post baccalaureate teacher

credential program may be eligible to receive Federal Pell Grants.What is a Pell Grant in simple terms?

A Pell Grant is money the government provides for students who need to pay

for college. Grants, unlike loans, do not have to be repaid. Eligible students

receive a specified amount each year under this program.SHOP DISCOUNTED ITEMS AND SAVE HUNDREDS OF DOLLARS

Applying for financial aid as a student can be confusing but Benefits.gov

is here to help. There are many ways to pay for school from personal

funding, student loans, grants, and scholarships. The first step in your

financial aid process is filling out the Free Application for Federal Student

Aid (FAFSA). In this article, you will learn what the FAFSA is and what you

need to do to get started with federal student aid.

GRANTS, PELL GRANTS, HOME REPAIR GRANTS, COLLEGE GRANTS

What is FAFSA?

Is FAFSA money free?

It is not the financial aid itself. However, the FAFSA enables the student to qualify

for many types of financial aid from several sources. Some of this money is free money,

some must be earned through work, and some must be repaid. There are three main

types of financial aid.

FAFSA is an application used by most two and four-year colleges, universities,

and career schools for awarding Federal, state, and college-funded student aid.

Completing and submitting the FAFSA is free, and it gives you access to the

largest source of financial aid to pay for college or career school.

Most states and colleges use your FAFSA information to decide your eligibility

for state and school aid. Some private financial aid providers may use your

FAFSA information to decide whether you qualify for their aid as well.

When Should I Apply?

You should submit your application as soon as the FAFSA begins accepting

applications for your planned school year. The opening date changes each

year but it’s typically in the early fall. Be sure to watch for FAFSA

announcements either on their website or social media accounts to know

when you can begin your application.

You should apply as early as possible to have a chance at the most financial aid.

Some scholarships are on a first come, first serve basis and financial aid

opportunities can run out. Check out the FAFSA deadlines page to view

deadlines for federal and state aid. Your school will also have different

deadlines, so be sure to check with them as well.

What Do I Need to Apply?

Much of the FAFSA application centers around you and your family’s financial

situation. If you are under the age of 18 or your parents are paying for your

schooling, you will need mostly their information.

Here are the kinds of documents you will need to get started:

Your Social Security number

Your parents’ Social Security numbers if you are a dependent student

our driver’s license number if you have one

Your Alien Registration number if you are not a U.S. citizen

Federal tax information, tax documents, or tax returns, including IRS W-2

information, for you (and your spouse, if you are married), and for your

parents if you are a dependent student:

IRS Form 1040

Foreign tax return or IRS Form 1040-NR

Tax return for Puerto Rico, Guam, American Samoa, the U.S. Virgin

Islands, the Marshall Islands, the Federated States of Micronesia, or Palau

Records of your untaxed income, like child support received, interest

income, and Veterans noneducation benefits, for you, and for your parents

if you are a dependent student.

Information on cash; savings and checking account balances; investments,

including stocks, bonds and real estate (not including the home in which

you live); and business and farm assets for you and for your parents if you are

a dependent student.

How Do I Apply?

The FAFSA is online and can be filled out through Studentaid.gov. There are

several steps to filling out the FAFSA. Make sure you are ready before you

get started and review all FAFSA guides and videos. You will need to create

an account, fill out basic personal information, list which schools you are

applying to, decide your dependency status, and report your parent’s financial

information.

Learn More

For more information on other benefits and resources for students and to find

out what you might be eligible for, check out the Education and Training Category

and the Benefit Finder.

The Benefit Finder can take between 10-30 minutes to finish, and all answers are

kept confidential. Once you have completed the questionnaire, you will receive a

list of government benefits you may be eligible for and where you can apply.

Check out this video to learn more about the Benefit Finder.

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Free Application for Federal Student Aid (FAFSA)

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Your Top Job Corps Questions, Answered!

Resources for College Students

Do you have to pay financial aid back?

The answer depends on the type of aid you receive. If you receive what’s often

called “gift aid” — grants or scholarships — the answer is usually no. But if

you borrow student loans, you’ll very likely need to pay that money back, with interest.

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FREE— PELL GRANT 2025 PAY SOME COLLEGE EXPENSE

What are 4 types of grants?

What are the 4 Types of Grants for Nonprofits?

Competitive Grants. Competitive grants are those for which a nonprofit submits a proposal that gets evaluated by a

team of reviewers. …

Continuation Grants. .

Pass-through Grants. …

Formula Grants.

Scholarships Pell Grants Financial Aid GI Bill Job Corps

Pell Grant Eligibility. 2024 – 2025

Low to moderate income (Typically less than $40,000 per year). There is no exact income number

that qualifies you for a Federal Pell grant.

Loans For Students – What is a Pell Grant

Pell Grant Requirements 2025 – College Financial Aid Advicehttps://www.college-financial-aid-advice.com › pell-grant-…

What does it mean to receive a Pell Grant?

A Pell Grant is money the government provides for students who need it to pay for

college. Grants, unlike loans, do not have to be repaid. Eligible students receive a

specified amount each year under this program.

What makes someone eligible for Pell Grant?

General eligibility for federal aid programs includes that you have financial need, are

a U.S. citizen or eligible non-citizen, are enrolled in an eligible degree or certificate

program at your college or career school, and more. You’re an undergraduate student

who’s enrolled full-time or part-time.

Is a Pell Grant a loan?

A Federal Pell Grant, unlike a loan, does not have to be repaid, except under certain

circumstances. Find out why you might have to repay all or part of a federal grant. You may

not receive Federal Pell Grant funds from more than one school at a time.

Who is the Pell Grant awarded to?

Pell Grants usually are awarded only to undergraduate students who display exceptional

financial need and have not earned a bachelor’s, graduate, or professional degree. (In some

cases, however, a student enrolled in a post baccalaureate teacher certification program

might receive a Federal Pell Grant.)What is the income limit for Pell Grant 2022?

Income Limit

The Department of Education will use your family’s income and expenses to calculate your

Expected Family Contribution (EFC). To be eligible for the Pell Grant for the 2021-2022

academic year, your EFC needs to be at or below $5,846. Because of this, there is no set

income cut off for Pell Grant eligibility.

Do I have to pay back Pell Grant?

The Pell Grant is a form of need-based federal financial aid that typically does not have

to be repaid, which makes it highly desirable. It is awarded by the U.S. Department of

Education to help eligible low-income students pay for college costs, including tuition, ‘

fees, room and board, and other educational expenses.

What is the income limit for FAFSA 2022?

$27,000

What is the income limit for FAFSA 2022? In 2022, the income limit for an automatic zero

expected family contribution is $27,000. But this is based on the previous tax year, which

would be 2021. There is no income limit for submitting the FAF

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ACTIONS PLANNING TO REACH YOUR OBJECTIVES — GOALS PLANNING

SETTING OBJECTIVES AND DAILY ACTIONS PLANNING TO REACH YOUR OBJECTIVES

Planning is the base of execution and it is practically hard to accomplish anything without it. Serendipity does exist but it doesn’t happen to everyone!

You need plan for everything that you do in your life, even for a normal day that you spend. You setup alarm to wake up in the morning so that you can hit gym at this time and reach office by this time and so on and so forth!

Therefore, it is of prime importance to develop a plan to reach your objectives.

We all are living on this planet with some objective. The trick of achieving objectives is to focus and put in steps in place to achieve them.

This can only happen once you identify what is important and worth your time and effort!
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Objectives set the pulse of your life. You live to achieve them! They vary from person to person and can be short or long term.

It can be starting your own business, building wealth, becoming rich or could be short term like losing weight, attaining promotion in your existing role etc.

If you don’t know how to set goals then you should follow SMART technique which stands for Specific, Measurable, Actionable, Achievable, Result Oriented and Time bound. Your objectives should be SMART for you to head towards them.START TODAY TO LIVE WITH MORE NOT LESS – BUILD WEALTH NOT DEBT

If your goals don’t excite you to achieve them then they are not set correctly. Your objective will excite only if you are looking forward to the results.

Modify your daily actions to include activities that will lead to your objective
You gradually head towards your goals.

You never achieve them overnight. Hence it is necessary to devise the daily action to reach your objectives. For instance, if your objective is to lose 10 kgs in two months then you must start with your diet plan and exercising schedule.

Daily routine will help you achieve them. Create the roadmap and then start following it. A cheat day means extension and delays to your objectives, so do those misses, only if you have an appetite to delay!

Strategic and not tactical solutionsPOSTIVE THINKING — REACH YOUR FULL POTENTIAL — REAP ALL THE BENEFITS THAT GOES WITH WINNING

It is ok to resort to tactical fixes in the short run especially when you have a strict deadline. But in long run, tactical solutions never bear fruits.

You end up spending extra time and efforts for the results which are below benchmark. You should constantly work towards increasing the odds of success which can only happen if you work towards it and get additional skill training wherever required.WORK FROM HOME, WORK FROM ANYWHERE, HOMEBASED BUSINESS — ADDITIONAL INCOME IS ONE OF THE KEYS TO A SUCCESFUL HAPPY LIFE — NAY SAYERS LIVE WITH LESS NOT MORE — I CAN – I WILL HAVE IT ALL CLICK NOW

This holds true in all objectives, it could be concerning your life, the project that you are working on or anything which involves planning.

SETTING OBJECTIVES AND DAILY ACTIONS PLANNING TO REACH YOUR OBJECTIVES

Objectives set the pulse of your life. You live to achieve them! They vary from person to person and can be short or long term.

Modify your daily actions to include activities that will lead to your objective
You gradually head towards your goals.

you never achieve them overnight. Hence it is necessary to devise the daily action to reach your objectives.
For instance, if your objective is to lose 10 kgs in two months then you must start with your diet plan and exercising schedule. Daily routine will help you achieve them. Create the roadmap and then start following it.

Hold yourself accountable

You are the owner and driver of your objective. Whether you are working for yourself, your company, you should monitor regular progress of your goals.

This will help you in ensuring if you are on track of achievement or not. Every Friday take a backward look at the week that passed and ask yourself if the week was productive or unproductive.

If it was productive then you are reaching where you want to but if it was unproductive, refocus on the goal and identify the blockers. Identify what you need to incorporate additionally to cope up for the week that passed.

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LIFE CAN BE EASIER FOR SENIOR CITIZENS

Life can be easier for senior citizens. Below are just a few of the thoughts

come to mind when caring for oneself or an elderly senior citizen.

Wellness disabled handicap disability kitchen tools healthcare geriatric cooking

caregiver seniors elderly arthritis exercise medical supplies gifts fitness handicapped care

health senior bathing.

WHY SHOULD A SENIOR CITIZEN JOIN AARP?????

As soon as I became eligible I join AARP and been a member ever since.

It is one the best organization to be a member of:

The American Association of Retired Persons officially changes its name to AARP, in

recognition of the fact that many members continue to work full or part time.

What does AARP really do for you?

Is an AARP Membership Worth It? Explore Membership Benefits

An AARP membership gives you a wide variety of carefully chosen discounts, information

and services, as well as an advocate for important issues like Medicare and Social

Security.

What is the age limit for AARP?

AARP Membership Age: How Old to Join AARP?

18 or older

What is AARP’s Membership Age Requirement to Join? AARP membership is open to anyone

18 or older. While AARP’s mission is dedicated to the needs of the 50+ population,

anyone can become an AARP member. Once you’re a member, you’ll gain access to hundreds

of discounts, programs and resources

What does AARP do for older adults?

AARP Foundation SCSEP (Senior Community Service Employment Program) offers unemployed

adults 55 and older work-based training and skill-building opportunities within a

variety of community service organizations and agencies.

What is the difference between disabled and handicapped?

As traditionally used, impairment refers to a problem with a structure or organ of

the body; disability is a functional limitation with regard to a particular activity;

and handicap refers to a disadvantage in filling a role in life relative to a peer group.

WELLNESS

Wellness is the act of practicing healthy habits on a daily basis to attain better

physical and mental health outcomes, so that instead of just surviving, you’re

thriving. To understand the significance of wellness, it’s important to understand

how it’s linked to health.

CAREGIVER

I spent over 20 years with a senior person in the household that needed caring

for. First I would like to compliment anyone whom have done the same and caregiver

whom do this daily.

What are the 8 definitions of wellness?

8 Dimensions of Well-Being | Health Education & Prevention …

Wellness comprises of eight mutually co-dependence dimensions: emotional, physical,

occupational, social, spiritual, intellectual, environmental, and financial. If any

one of these dimensions is neglected over time, it will adversely affect one’s

health, well-being, and quality of life.

What does disabled person mean?

An individual with a disability is defined by the ADA as a person who has a physical

or mental impairment that substantially limits one or more major life activities, a

person who has a history or record of such an impairment, or a person who is perceived

by others as having such an impairment.

There are numerous items that can be purchase at low prices to assist in the care of

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Does the VA pay for surviving spouse caregiver?

Whether you are a spouse, an adult child, a stepchild, a grandchild, or another relative

of a veteran, there are VA programs that can pay you as a caregiver. There are also

Medicaid programs that pay family caregivers. Check your eligibility for Medicaid or read

about Medicaid programs that pay family caregivers.

How do I apply for widow benefits?

You can apply for benefits by calling our national toll-free service at 1-800-772-1213

(TTY 1-800-325-0778) or visiting your local Social Security office. An appointment is

not required, but if you call ahead and schedule one, it may reduce the time you

spend waiting to apply.

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When a veteran dies does the spouse receive benefits?

When a retired Veteran dies does the spouse receive benefits?

Military retired pay stops upon the death of the retiree. The Survivor Benefit

Plan allows a retiree to ensure, after death, a continuous lifetime annuity for their

dependents. The annuity, based on a percentage of retired pay, pays eligible

survivors an inflation-adjusted monthly income.

What benefits do 100 disabled veterans get as a spouse?

Spouses of disabled Veterans are eligible for health care benefits through the

Civilian Health and Medical Program (CHAMPVA). This program also allows for

reimbursement of certain costs, such as prescription medications, medical equipment,

nursing care, and more, as long as the Veteran and their spouse remain married.

How much is a VA widows pension?

The basic monthly rate of DIC is $1,340 for an eligible surviving spouse. The rate is

increased for each dependent child, and also if the surviving spouse is housebound or

in need of aid and attendance. VA also adds a transitional benefit of $332 to the

surviving spouse’s monthly DIC if there are children under age 18.

How long does a widow receive VA benefits?

If VA rated the Veteran permanently and totally disabled with an effective date of

three years from discharge, or if the Servicemember died on active duty, a spouse

will be eligible for benefits for 20 years from the effective date of the rating or date of death.

A VA Survivors Pension offers monthly payments to qualified surviving spouses and

unmarried dependent children of wartime Veterans who meet certain income and net

worth limits set by Congress.

Can a widow receive Social Security and VA benefits?

SSDI and VA disability compensations are not affected by each other, so you may be

eligible to receive both. However, you must apply for them separately. It may be

possible to also qualify for SSI, depending on income and resources.

How much does a military widow get?

If you’re the surviving spouse of a Veteran, your monthly rate would start at $1,612.75.

Then for each additional benefit you qualify for, you would add the amounts from the Added amounts table.

How much does a military widow get?

If you’re the surviving spouse of a Veteran, your monthly rate would start at $1,612.75.

Then for each additional benefit you qualify for, you would add the amounts from the Added

amounts table.

Do veterans widows get money?

A VA Survivors Pension offers monthly payments to qualified surviving spouses and unmarried

dependent children of wartime Veterans who meet certain income and net worth limits set by Congress.

Does a widow get her husband’s VA disability?

Unfortunately, your spouse cannot receive your VA disability compensation after you die. However,

they may get a monthly allowance if they qualify for Dependency and Indemnity Compensation.

If you lived in government housing, VA might also allow them to stay in residence for

up to a year.

Can I add my wife to my VA health benefits?

You can quickly and efficiently add your spouse or child to your compensation award by

following an easy, step by step process on www.ebenefits.va.gov. Filing online using

eBenefits gives you a faster, and in some cases, a same day response. That means your

payments can begin more quickly.

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What is a very powerful quote?

“God, grant me the serenity to accept the things I cannot change, the courage to change the things I can, and the wisdom to know the difference.” — Reinhold Niebuhr.

What is a good short positive message?

“Success is not final, failure is not fatal: it is the courage to continue that counts.”

“When you have a dream, you’ve got to grab it and never let go.” “Life is like riding a

bicycle. To keep your balance, you must keep moving.

Who is the No 1 motivational speaker?

Top 50 Most popular motivational speakers

#1 Bear Grylls #2 Tony Robbins #3 Mr. T

#4 Cesar Millan #5 Dave Ramsey #6 Nick Vujicic

#7 Eckhart Tolle #8 Deepak Chopra #9 Kevin O’Leary

#10 Malcolm Gladwell #11 Gary Vaynerchuk #12 Robert Kiyosaki

#13 Eric Thomas #14 Paula White #15 Barbara Corcoran

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You are also required & advised to visit website from time to time in case of any changes.
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VACATION TIME — TRAVEL AND HEALTHY LIVING

TRAVEL AND HEALTHY LIVING

Sо you’re аbоut to launch ѕоmе vacation tіmе on аnоthеr hоrіzоn. Gооd fоr уоu! But you know frоm experience the dаngеrѕ this саn роѕе tо your hеаlth. Yоu rеmеmbеr thаt vасаtіоn when уоur sinuses gоt more ѕtuffеd thеn a turkеу on Thаnkѕgіvіng аnd уоur hеаd fеlt lіkе a bowling bаll thаt just fіnіѕhеd a 300 point gаmе bу Kingpin!

Thе mоѕt іmроrtаnt thіng tо rеmеmbеr thоugh is thаt уоu ѕhоuld еnjоу уоurѕеlf, not thіnk аbоut if the dessert frоm the Pаrіѕіаn bakery іѕ going tо mаkе you fаt. Whеn іѕ thе nеxt time уоu’ll bе іn Paris, аnd whеn wаѕ thе lаѕt time оnе thіng made уоu fаt? Enjоу іt! Just don’t go overboard. That ѕаіd, hеrе аrе some tips fоr kееріng fit while trаvеllіng:

-Eаt lіkе a lосаl: If you’re in a fоrеіgn соuntrу, іt’ѕ muсh еаѕіеr tо fіnd unprocessed, unrеfіnеd fооdѕ thаt аrе balanced and good fоr you. Thеу аlѕо don’t hаvе thе mаѕѕіvе portion sizes thаt wе dо іn Amеrіса. If уоu’rе mostly a domestic trаvеlеr, thіѕ obviously wоn’t apply, but ѕtісk the general guidelines I have thrоughоut thе site.ENJOYING SUCCESS/TRAVELING AND EARNING

-Shаrе dishes: Ordеr a few small рlаtеѕ and ѕрlіt it аll, оr уоu can get an арр, еntrее, and dessert tо split wіth twо реорlе. Thаt wау, уоu not оnlу gеt tо trу a wide vаrіеtу of nеw thіngѕ аnd multiple соurѕеѕ, but уоu саn аlѕо сut back оn thе аmоunt you еаt.

-Make іt аn active trір: I fоund this еѕресіаllу easy іn more rurаl lосаtіоnѕ. Yоu саn hіkе, kауаk, go rосk сlіmbіng, etc. If you’re іn a mаjоr city, tоur thе city оn foot. Yоu’ll bе mоvіng аll dау, аnd will dеfіnіtеlу gеt уоur fіll of еxеrсіѕе іn.

-Lіԛuіdѕ: Drinking water lіkе a саmеl mіght be еxсеѕѕіvе. Hоwеvеr, drіnkіng a lot of water wіll hеlр уоur body rеmоvе tоxіnѕ which, іn turn, hеlрѕ уоur іmmunе system maintain реаk funсtіоn. Alѕо, wаtеr асtѕ in the сеllѕ lіkе oil іn mасhіnеrу. It keeps everything mоvіng properly.

-Eat Healthy: It’ѕ two dауѕ bеfоrе уоur flіght оut аnd you’re ѕсrаmblіng to finish lаѕt minute рrераrаtіоnѕ before уоu nееd tо pack. Hаіrсut: сhесk. Nеw оutfіt: check. Lаundrу wаѕhеd: сhесk.

Wіth аll уоur tо-dо lists, іt juѕt ѕееmѕ mоrе соnvеnіеnt and time еffісіеnt tо оrdеr some fаѕt fооd оn thе wау tо the ѕuреrmаrkеt. Down it gоеѕ аѕ fast as it came оut thе drіvе-thrоugh wіndоw аnd уоu’rе оff tо the nеxt thing. Hоwеvеr, уоur bоdу nоw has to divert rеѕоurсеѕ to dіgеѕt this classic mix of saturated fаtѕ аnd starchy саrbѕ. For the nеxt ѕеvеrаl dауѕ аѕ уоur body dіgеѕtѕ this, іt can оffѕеt your immune ѕуѕtеm, making you mоrе ѕuѕсерtіblе tо іllnеѕѕ durіng your hоlіdау соmmutе.

-Avоіd аlсоhоl аnd ѕugаrу drinks(including juісеѕ): Your bоdу trіеѕ tо rеmоvе alcohol frоm уоur bloodstream whісh rеѕultѕ іn rеѕоurсеѕ bеіng diverted frоm уоur immune system. Likewise, thе ѕugаrу drіnkѕ ѕріkе your blood ѕugаrѕ whісh саn tеmроrаrіlу depress уоur іmmunе ѕуѕtеm(ѕоundѕ ѕаd!).
-Bring еxеrсіѕе bаndѕ wіth you: They’re еаѕу tо расk, аnd сhеар to buу bеfоrе you gо if уоu dоn’t hаvе thеm. Yоu саn wоrk оut your arms with those, аnd уоu саn do push-ups, crunches, squats, аnd lunges wіth уоur оwn bоdу wау.

-Try nеw аnd strange things: Snails, ѕрісу bugѕ, fish hеаdѕ, oh mу! Thеrе аrе a lоt of іntеrеѕtіng and unique foods you can try out in оthеr сulturеѕ, so give it a trу. Nо mаttеr hоw strange, thеу’rе аlmоѕt guаrаntееd tо bе fаr bеttеr fоr you than thе рrосеѕѕеd fооdѕ wе hаvе іn the US.
Thе main thіng to keep in mind іѕ thаt уоu аrе оn vасаtіоn аnd you should еnjоу, experience, and rеlаx. You’ll nеvеr dо thаt if уоu’rе ѕtrеѕѕіng аbоut thе саlоrіеѕ уоu’rе еаtіng оr hоw lоng іt’ѕ been since уоu’vе hіt the treadmill, ѕо juѕt lіvе іt uр!

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TIMESHARE — CONDO — COST EFFECTIVE

TIMESHARE OR HOTEL ROOM THE COST IS SIGNIFICANT

Many people have a question when thinking of buying a timeshare. Does it make financial sense or does it make sense at all to buy a timeshare? Well the answer can be both yes or no depending on who is buying and for what purpose it is being bought. In this article we will discuss why it makes sense to buy a timeshare. One of the most traditional answers could be that you own it, but when you rent something you don’t own it. Timeshare industry has grown by leaps and bounds since its inception in this country and many notions that people had earlier have been clarified. Timeshare is no more a small business. Big hotels and resorts are into timeshare business now. It is estimated to be a Five billion dollar a year industry worldwide and approximately two million Americans have timeshares. You might be wondering what lured so many people in America alone to timeshares. Here are some reasons.

Consider this fact you pay rent to stay in a hotel. You pay the rent for staying in a hotel for a week. Suppose it is $900. If you consider a period of 30 years, multiply the cost of living in a hotel for 30 years with $900. It will be $27,000. You spend that much amount and only get a suite with only a bathroom. Now consider this, if you buy a timeshare for $10,000 which has a maintenance fee of $450 annually. The cost for 30 years will be $10,000 plus 450 multiplied by 30. The answer will be $23,500 which is $3,500 less than renting a hotel suite. But here is the interesting fact. You still get to own your timeshare property which will earn some money if not the original price. So your actual expenditure on your vacation will be way less than renting a hotel suite. Then who can ignore the comfort of a home in a timeshare property. A typical timeshare unit has two or three bedrooms, more than one bathroom, a kitchen, a laundry room and a pool plus not to forget all the resort facilities.

Does it make sense now? It does because it also saves you from the hassle of planning your vacation each year because you know when you have to go in turn offering you a guaranteed vacation every year.

How many hotel rooms can accommodate large families and friends? With a timeshare vacation you can invite who ever you want and can host reasonable size gatherings.

A timeshare is like money lying safely in your bank. You can sell it whenever you want. Not only that if you buy a deeded plan, the timeshare gets inherited to your heirs also.ADDITIONAL INCOME DEBT FREE CUTTING SPENDING

Compare the timeshare with buying a vacation home. You don’t have to worry about upkeep and maintenance also. The management company will take care of everything. You just have to pay the maintenance fee for that. But what a pleasure you can live like you are living in a hotel and still get a feel of your home and have to do nothing.

Apart from these benefits, timeshare companies offer you so many discounts like bonus weeks, discounts on airfare, car rentals, attraction tickets, restaurants and much more.NEED EXTRA INCOME
Beautiful resorts, great places to eat and the beautiful sandy beaches.
Grab a timeshare and enjoy.

BUILD A WARDROBE THAT WILL NOT BROKE YOU—-CLICK NOW

INVESTING IN REAL ESTATE IS ONE OF THE MOST PROFITABLE BUSINESS
IN THE US. AW, BEFORE YOU SAY YES. GRAB A BOOK FROM YOUR LOCAL BOOK
STORE ON BUYING AND FLIPPING HOUSES. FUNDING YOUR INVESTMENTS CAN
COME FROM A SECOND BUSINESS A SECOND BUSINESS FOR REAL ESTATE INVESTING
PLEASE COMMENT ON INVESTING. ALL COMMENTS WILL BE POSTED THAT HELPFUL

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5 STEPS TO BUILDING WEALTH TO ENJOY FOR GENERATION X AND TO PAST IT TO THE NEXT GENERATION — MILLINEAS

If you’re earning less than twenty dollars per hour. This article is for you.

Living on one income and saving the second one. This is key to building
wealth. If only one income in the household, then definitely additional
school to advance to a higher pay scale.

Thus, saving the additional income. Starting a part time business may also
be the solution. In the meantime, careful spending and budgeting still allows
one to have more disposal income and savings.

Generation X has amass substantial wealth. The key is to continue amassing
wealth and passing it to next retirement plan as well as careful estate planning.
enough to retire and live off while leaving substantial inheritance to children and grand-
children even great grandchildren.

Rich Kids. Broke Kids: The Failure of Traditional Estate Planning- Kindle
Edition by J. Ted Oakley

Pinch Like You Mean It! 101 Ways to Spend Less Money Now — By Dr. Penny Pincher

Kindle Wireless Reading Device (6″ Display, U.S. Wireless by Amazon)

The Modern American House Wife Book # 1: Home Economics — by Abundant Publishing

If you’re unemployed, please sign in at your local state employment office.
As inflation continue to rise in 2022 it will be an extreme hardship on anyone
that unemployed or earning less than $20.00 per hour.

PLEASE LEAVE A COMMENT. BOOKMARK, TWEET IT TO YOUR SOCIAL MEDIA FRIENDS.

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STARTING A BUSINESS ON A SHOESTRING BUDGET —HOW TO RETIRE WEALTHY — TRAVEL – ENJOY –START A BUSINESS NOW AND HAVE ADDITIONAL INCOME IN RETIREMENT

How to retire with (WEALTH IS A BEAUTIFUL LIFESTYLE) Please order one of
these books regardless of your age. Building wealth now is fundamentally to
having wealth in retirement.
Cutting Spending, paying down debt, saving 20% or more of your income, investing
in bonds, stocks, real estate, earning additional income is the way to avoid
income inequality. Millions of individuals retire with less than $2000.00 per
month after a lifetime of work.

Anyone can achieve income and wealth wealth equality. Thousands of speeches, videos
on youtube, lots of books on Amazon and Ebay will tell you step by step how to.

HERE’S SOME GREAT INFORMATIONS TO ENJOY YOUR RETIREMENT A LOT MORE

I am reading, studying THE ROAD TO WEALTH. It is to anyone advantage
to study money management. I am totally surprise at how much income/wealth one
will need in retirement to maintain the same standard of living they had before
retirement.

I was blown away when I took a look at total income. Total bills and what will
happen if one of pass. Practically half of the household income would cease.
Job retirement and social security check.

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3 TIPS — STARTING A BUSINESS — FORGET LIVING PAYCHECK TO PAYCHECK

3 Things To Do Prior To Submitting Articles

With modern communication technology comes the popularity of information-based marketing, which is one of the oldest and most effective techniques in getting targeted prospects to sites and converting them into buyers. This is why article writing, submissions and publications are also getting popular.

internet business plan, small business advertising, business newsletter, business location, business competitors, business website, search engine optimization, pay-per-click marketing, business marketing tips

To all writers and non-writers out there, now is the time to start digging up those creative writing skills back.FINANCIAL FREEDOM

With modern communication technology comes the popularity of information-based marketing, which is one of the oldest and most effective techniques in getting targeted prospects to sites and converting them into buyers.

This is why article writing, submissions and publications are also getting popular.
There are already many tools that people can use to make the process of distributing their articles more easily. Continue reading “3 TIPS — STARTING A BUSINESS — FORGET LIVING PAYCHECK TO PAYCHECK”

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7 WAYS BUILDING WEALTH IS SO SIMPLE FOR ANYONE

SAVING IS EVERYTHING

Practical Ways to Save Money

RESIDUAL/PASSIVE INCOME PAY DOWN DEBT BUILD WEALTH RETIRE EARLY

Say goodbye to debt.

Cut down on your grocery budget.

Cancel automatic subscriptions and memberships you don’t use.

Buy generic.

Cut ties with cable.

Save money automatically.

Spend extra or unexpected income wisely.5 SIMPLE STEPS TO SMALL BUSINESS SUCCESS ON THE INTERNET–EARNING ADDITONAL INCOME — PAYING OFF STUDENT LOANS, CREDIT CARD DEBT, SAVING MORE, AND MOST OF ALL BECOMING AN INVESTOR

Adjust your tax withholdings.

Best Frugal Ways to Save Money

Buy produce on sale or in season.

Go meatless at least once a week.

Pack your lunches.YOU CAN MAKE MONEY WITH AN ONLINE BUSINESS OPPORTUNITY

Stretch your hand soap.

Watch detergent amounts and wash only full loads.

Hang out your laundry.

Save on Gas.

Skip the bought coffee and coffee drinks.

BUDGETING

A budget is a plan you write down to decide how you will spend your money each month.

A budget helps you make sure you will have enough money every month. Without a budget,

you might run out of money before your next paycheck. A budget shows you: how much

money you make.

What is the 50 30 20 budget rule?

The rule states that you should spend up to 50% of your after-tax income on needs and

obligations that you must-have or must-do. The remaining half should be split up between

20% savings and debt repayment and 30% to everything else that you might want.

What should I invest in as a beginner?

6 best investments for beginners

High-yield savings accounts.

Certificates of deposit (CDs)

401(k) or another workplace retirement plan.

Mutual funds.

ETFs.

Individual stocks.

How to invest $100 dollars to make $1,000?

How To Invest $100 To Make $1000 a Day in 20 Ways

Invest in real estate.

Gather your savings in a high-yield savings account.

Invest in the stock market.

Start a blog.

Use robo advisors.

Invest in cryptocurrency.

Start an e-commerce business.

Start a drop shipping business.

Minimalism

Is all about owning only what adds value and meaning to your life (as well as the

lives of the people you care about) and removing the rest. It’s about removing the

clutter and using your time and energy for the things that remain. We only have a

certain amount of energy, time, and space in our lives.

What is a minimalist lifestyle?

4 Ways to Adopt A Minimalist Lifestyle | Chase

A minimalist lifestyle is intentionally living with fewer possessions — focusing only on

the ones you need. Living with less may be the right choice if you’re feeling overwhelmed

with clutter, if you’re looking for fewer distractions, or if you’re looking to cut back

on spending.

What does it mean to be penny-pinching?

Penny-pinching is the practice of trying to spend as little money as possible. [disapproval]

Government penny-pinching is blamed for the decline in food standards. Synonyms: meanness,

selfishness, parsimony [formal], stinginess More Synonyms of penny-pinching.

What is another word for penny-pinching?

Synonyms of penny-pinching (adj. tight with money)

miserly.

parsimonious.

penurious.

stingy. tight.

Is Penny-pinching good?

Is Pinching Pennies The Ultimate Secret To Wealth

Sometimes, it makes sense to pinch pennies and save as much as you can. However, there

are times when saving the extra money costs you in a number of other ways. Carefully

consider all the costs involved before making your spending decisions. Sometimes, the

non-money costs outweigh your savings.

You can use the purist definition, whereby debt-free means you have no debt at all—from

credit cards, loans or other creditors. As a result, you don’t rely on credit cards or

other forms of credit for everyday spending.

Is it good to be debt free at 40?

Being debt-free — including paying off your mortgage — by your mid-40s puts you on the

early path toward success, O’Leary argued. It helps you free yourself from financial

obligations at a time when your income is presumably stable and potentially even growing.

Is it better to be debt free or have savings?

Our recommendation is to prioritize paying down significant debt while making small

contributions to your savings. Once you’ve paid off your debt, you can then more

aggressively build your savings by contributing the full amount you were previously

paying each month toward debt.

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BUILDING YOUR WEALTH WITH US TREASURY T-BILLS

Create A Website for $1.99/Month

What is the 2 year Treasury rate today? 9/28/2023

5.12%

2 Year Treasury Rate is at 5.12%, compared to 5.08% the previous market

day and 3.96% last year.

How to buy 2 year Treasuries?7 STEPS TO AVOID POVERTY AND ACHIEVE PROSPERITY 2023

Using a brokerage or bank is the only way to trade a Treasury before its maturity date.

Treasurys must be traded outside of TreasuryDirect through a bank, brokerage or dealer

by selling to investors looking to buy.Is the 2 year treasury a bond?

Key Takeaways

T-bonds mature in 20 or 30 years and offer the highest interest payments bi-annually. T-notes

mature anywhere between two and 10 years, with bi-annual interest payments, but lower yields.

T-bills have the shortest maturity terms—from four weeks to one year.

What is the 3 month Treasury rate?9/28/2023START YOUR JOURNEY TO FINANCIAL FREEDOM WITH PASSIVE INCOME

3 Month Treasury Bill Rate (I:3MTBRNK)

3 Month Treasury Bill Rate is at 5.34%, compared to 5.35% the previous market day and 3.30%

last year. This is higher than the long term average of 4.18%.

How often do 2 year Treasury bonds pay interest?

every six months

Bonds and Notes

Bonds are long-term securities that mature in 20 or 30 years. Notes are relatively short

or medium-term securities that mature in 2, 3, 5, 7, or 10 years. Both bonds and notes pay

interest every six months.

Are 2 year Treasuries tax free?STARTING A BUSINESS FOR THE PURPOSE OF PASSIVE/RESIDUAL INCOME

Interest income from Treasury securities is subject to federal income tax but exempt from

state and local taxes. Income from Treasury bills is paid at maturity and, thus,

tax-reportable in the year in which it is received.YOU CAN MAKE MONEY WITH AN ONLINE BUSINESS OPPORTUNITY

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