I am giving out a little secret, want to save some money- than this apps should really help you to achieve your goal. Budget does not mean you cant have fun ! I am going straight to the point.
You have a graduated from college and have managed to get your first full-time job, this job will be your one step closer towards your financial freedom- you think you will be able to achieve your short as well as long term financial goals to have a stable and happy future.
For the first time you will be making independent adult decisions, solely responsible for paying your rent, car insurance, utility bills and other necessary bills with out any financial assistance from your parents. Before starting any of it, you should take a pause and consider what kind of lifestyle you would like to lead when you grow old. If you decide to lead a stable and debt free life, then time is on your side- Plan in your 20s to lead a life with more wealth, financial debt freedom and a happy retirement. Making afew smart decisions and having a discipline to your spending habit can give you upper hand to control your financial situation.
Recently, I stumble upon a website known as www.studentdebtcrisis.org and I read few of the thousand sickening stories posted on the website, student ending up with paying 63k with interest from 28k; paying almost close to 9% interest. As I scroll through some more, my heart was sinking and my eyes were popping out. In few additional clicks on Google, I again read few more mind-boggling stories about kids coming out in public to sue parents for not paying their college tuition bills. Most of the students were in a quicksand situation- some desire to return their degrees, some experienced students were not getting any jobs and some were simply signing up for two jobs just to pay out their student’s debt. The outcome of all the stories were, kids were hoping if parents taught them right way to spend and save money and budgeting in their early days.
The United States is a bad role model, carrying a debt of 17 trillion dollars. Almost 20 million customers are addicted to shopping and have no control over their behaviors.
Yes, it is that time of the year, where our shopping hormones are running high. We are surrounded by companies who have perfected their skills and our shopping data to lure us with all kind of sales flyer, marketing gimmicks, discount coupons, pre-approved credit cards and much more…
There intentions are clear and focused- let the customer spend…spend…more spend…and to be honest-discounted items are never on discount. NO FREE LUNCHES IN THIS WORLD…