savemorespendless
Everyone should be familiar with budgeting, but it’s especially crucial for single people. As a single person, you may have to take care of all your finances and expenses on your own. Because of this, you may have difficulty making ends meet. In addition, a single income means a lower level of accountability. What’s more, in the U.S., nearly 118 million people are single, or about 46%, according to the U.S. Census Bureau. As of 2021, a record-breaking 52% of women are either unmarried or separated, according to Wells Fargo Economics. Why is that so concerning? Financial advisors who work with ...
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Financial management is often a daunting task in today’s uncertain world. It’s okay to feel that way; you’re not alone. According to a YouGov survey, one in ten consumers does not have any savings, while 13% have less than $100 in their savings accounts. Another 14% of Americans say they have savings between $1,000 and $4,999. In total, half of American households have less than $5,000 in savings. In addition, Bankrate found that nearly one in three (30 percent) people in 2023 have some emergency savings, but not enough to cover three months’ costs. If only there were easy ways to save money w...
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Traveling is not cheap, and it’s definitely not easy. A vacation can take months to research, plan, and save for, depending on the destination and duration. Despite this, travel demand has steadily increased following the COVID-19 pandemic. As of May 18, 2023, the Transportation Security Administration (TSA) had screened 2,627,978 passengers compared to 2,366,865 in 20223. That’s not quite back to pre-pandemic levels. But it’s close. Even though travel is still lower than 2019, there is a shortage of airline seats, hotel rooms, and overworked staff. There are plenty of deals to be had if you l...
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It is crucial to know where your money goes if you want to get your finances under control. The problem? That isn’t always obvious: Sure, you may keep track of your monthly bills. But what about your daily expenses? When you add up your out-of-pocket expenses, you might be surprised at how much you spend on things like food and transportation. Spending can be easily tracked when you focus on a short period of time. However, as you become more aware of your spending, you will be able to identify simple changes you can make to reduce costs and increase savings. With that in mind, here’s my actio...
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Despite most people’s efforts to avoid debt and exceed their budget, it can be easy to overspend. Many common money wasters, however, lurk in the shadows, waiting to steal your money. So, let’s bring these money wasters into the light so that you banish them for good. Don’t be discouraged if you check every box on this list. After all, the average American wastes approximately $18,000 per year. In any case, it’s an opportunity to take stock of your expenses and identify where you may be wasting money. 1. Bank FeesIn the long run, even small fees, such as those for withdrawals from out-of-netwo...
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