Author: Hammad

Being a saving money savvy shopper doesn’t stop at finding the right car; it extends to securing affordable insurance. To help you make an informed decision, we analyzed data on last year’s 25 best-selling car models and delved into insurance rates across every ZIP code in the U.S. Following are considered the cheapest cars to insure in 2023 based on annual premiums: Subaru Outback – $1,512 Subaru Crosstrek – $1,516 Honda CR-V LX – $1,517 Mazda CX-5 2.5 S – $1,547 Hyundai Tucson SE – $1,597 Ford Escape – $1,609 Jeep Wrangler Sport – $1,617 Toyota Tacoma SR – $1,647…

Having a bad credit score doesn’t mean you’re shut out from getting a personal loan. There are lenders that cater specifically to individuals with low credit scores, offering a chance to access funds when needed. In this guide, we’ll explore the best loans for bad credit as of January 2024, providing insights into their features, advantages, and potential drawbacks. Lenders for Bad Credit Loans 1. Upstart: Best for Thin Credit Profiles Why it Made the List: Upstart stands out for its advanced underwriting approach. Instead of like credit and income, Upstart doesn’t just rely on traditional factors it considers alternative…

Mastering the federal income tax rates and brackets is essential for strategic financial planning. This comprehensive guide for 2023 and 2024 provides valuable insights into the seven tax brackets and their corresponding rates. Gain a deep understanding of how these brackets are determined and explore effective strategies to optimize your tax situation. Unlock the potential for financial success through knowledge and discover practical money hacks to enhance your financial well-being. Federal Income Tax Rates for 2023 and 2024 The U.S. federal income tax rates remain consistent from 2018 until 2025, following the Tax Cuts and Jobs Act of 2017. However,…

As travel resumes and wanderlust kicks in, having the perfect credit card for you can significantly enhance your travel experience. Whether you’re a frequent flyer, a road trip lover, or someone who just enjoys exploring, a travel credit card can offer a range of benefits, from earning rewards on everyday purchases to providing access to exclusive perks. In this guide, we’ll explore the 16 best travel credit cards of January 2024, each catering to different preferences and needs. 1. Capital One Venture Rewards Credit Card Our pick for: Flat-rate points This card is renowned for its flat-rate rewards structure. You…

Securing affordable car insurance in today’s economy is a straightforward decision. However, the landscape varies among insurance companies, and what proves economical for one driver may not necessarily apply to another. To simplify this process, a comprehensive analysis was conducted on auto insurance rates across 139 companies nationwide, spanning various categories. According to the study’s findings, an overarching revelation from the analysis is that State Farm is the most cost-effective car insurance provider. The average monthly rate for minimum coverage with State Farm is $39, positioning it as the most economical choice. Impressively, State Farm maintains its status as the…

Introduction Embracing a frugal lifestyle and emphasizing the importance of money and saving, I encountered a familiar obstacle – my income wasn’t aligning with my financial objectives. Committed to closing this gap, I explored an unconventional solution: Craigslist. Within the platform’s “Gigs” section, diverse short-term jobs, ranging from manual labor to lawn work, became a means to supplement my monthly cash flow. Join me in this article as I recount my experiences, earnings, and valuable lessons gleaned from my Craigslist gig hustle, shedding light on practical approaches to bolster income and savings. September 2014: A Month of Craigslist Gigs In…

If I could get paid to talk all day, I’d be one happy (and wealthy) person. I used to joke about this until a friend introduced me to consulting – a term I soon associated with my new roles as a blogging and money coach. However, my journey took an unexpected turn when I discovered the lucrative realm of voice-over acting. In this article, my friend Carrie, who is excelling in voice acting, shares her experiences, tips, and the exciting financial aspects of this unique side hustle. In a remarkable four-month journey, I immersed myself in an entirely new industry,…

Compounding is a magical force in the world of finance, turning small amounts into substantial wealth over time. One of the most compelling illustrations of compounding’s power is the thought experiment of doubling a penny every day for a month. While it might seem like a trivial exercise, the results are astonishing and provide valuable insights into the importance of patience and consistency in building wealth. Compounding Journey To embark on this compounding journey, imagine starting with just a single penny. On the first day, you double it, so you have two cents. On the second day, you double that…

Recently, Consumerism brought attention to what seems like a significant development – USAA, once exclusively available to the military community, is now accessible to the general public. While Consumerist unveiled this information, A Twitter user hinted that this change might have been in effect for a while. Regardless, upon checking the USAA website, the revelation holds, marking a potential game-changer for non-military individuals seeking financial services. USAA Membership Requirements & Access Although non-military individuals won’t have access to the full array of services, the offerings are extensive enough to make a substantial impact. If dissatisfied with current financial arrangements, accessing…

Introduction If you’ve ever wondered about those independent Christmas tree sellers on the roadside and how much they make, you’re in for a treat. In this guide, we’ll explore the potential of turning the holiday spirit into a profitable side hustle by selling Christmas trees. This festive venture can not only bring joy to your customers but also fill your pockets with extra holiday cheer. The Genesis of the Christmas Tree Business The idea of selling Christmas trees as a side hustle emerged during a conversation about additional income streams. Inspired by the success of a distant relative who earned…