Name Brand

Most of you have probably come across a lot of huge sales on popular name brand clothes during this pandemic at places like Macy’s. I’m very much aware that everybody current situation is not the same. Yet, there are some key questions that you should ask yourself before making that purchase when you’re thinking about it.

  • Should It Be Use Towards Something Else?

If you need another adult to help you out financially on a regular then you should probably think twice before purchasing popular name brand clothes for yourself just because they are on sell. Also, just because you may have extra monthly money currently coming in, that doesn’t mean that you need to spend it all that same month.

  • When Was The Last Time You Got All Dress Up?

A sale usually makes people want to purchase something because they feel like they’re getting a great deal on it. Yet, if you just been mainly going to the grocery store with a mask on and been avoiding social gatherings of ten or more people, you’re currently not going anywhere I feel where you need to get all dress up for. Furthermore, there will always be new sales at the start of every new season of each year.

Has there been any new name brand clothes purchases recently that you’ve had buyer’s remorse on?

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Can’t Afford

No matter how much a person make, I feel just about everyone should have a monthly budget so you’re not spending more most months than what you’re bringing in. Furthermore, just because you can rent or buy something doesn’t mean you can actually afford it always.

  • High Rise Luxury Apartment Downtown

If you stay in a luxury high rise apartment downtown in any major city but can’t afford to go back to your hometown to be with most of your family during a holiday, that is sign to me that you might want to downgrade to a place that cost less. Also, you can still find a place that is nice but a little cheaper monthly in other areas of the city.

  • Luxury Car Purchase

It is not a good look in my opinion to have a luxury car you’re still paying on monthly that you have an accident in that leaves a noticeable dent with over two months to pass by without it being fix. That is usually a sign that the person might want to get a car that the yearly maintenance and parts isn’t as high and easier to maintain and more within their budget.

What are some other examples of things you’re seen a person able to rent or buy but actually can’t afford it every month?

Please feel free to leave a comment, since I’ll love to hear your feedback and to follow me, along with like this post before you leave if you haven’t already.

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Household Bills

There isn’t one right answer in terms of how monthly household bills should be split between a couple living together. The key thing is for the two of them to be on the same page with clear expectations establish. Thus, I’m simply giving my opinion on how I feel things should be divided below.

Our Yearly Salary Is About The Same

  • I consider marriage to be a partnership and not a sponsorship. Therefore, if we both got good jobs and make about the same yearly my expectations is for my partner and I to split all household bills 50/50 each month.

I Make Significantly More Than My Partner

  • A key motto of mines in life is to treat others like I want to be treated. Therefore, I can’t have my partner splitting the household bills with me 50/50 if I make way more than her, since I wouldn’t want her to do that to me. Furthermore, I want to make sure my partner still has money after bills are paid to purchase nice things. As a result, I got no issue in having an 80/20 split on bills for that to be the case.

Do you agree or disagree on how I feel monthly household expenses should be divided between a couple and why?

Please feel free to leave a comment, since I’ll love to hear your feedback and to follow me, along with like this post before you leave if you haven’t already.

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What We Allow

When it comes to relationships people do what we allow, accept, and tolerate from them. As a result, it’s important to have consequences to actions, so they have an incentive to do the right thing. Furthermore, if a person isn’t willing to do right then you should consider helping them to appreciate your absence.

Cheating Partner

  • If you have a partner that has cheated on you multiple times there is a good chance that person doesn’t respect you. However, the root cause of that disrespect may arise from the individual not being afraid of you leaving them. Thus, you got to stop giving unlimited loyalty to them when they consistently give you limited loyalty in return.

Money Tree To Friends/Family

  • A person shouldn’t need to borrow money from you on a consistent basis, unless they are living out of their budget or don’t have one. In either case, their bad planning should not be your emergency. Therefore, you want to say NO to them sometime, even if you do have the extra money to give so you don’t handicap and make them think it’s alright to not be responsible and just do whatever they want with their money knowing you will always be there to bail them out.

What is something that you allow or allowed from another individual in the past that you wished you never did?

Please feel free to leave a comment, since I’ll love to hear your feedback and to follow me, along with like this post before you leave if you haven’t already.

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Seeking Advice

We don’t need to experience some things in life firsthand and can learn from others instead. Yet, it’s critical when seeking advice to get it from someone who has been or currently were you want to be at in life.

  • Career Path Advice

Just because someone might be an expert in one field doesn’t guarantee that they’re an expert in a totally different field, which they haven’t spent any time really working in. Thus, look for career advice from an individual that is already where you’re striving to be at eventually and who was once in your current position.

  • Money Advice

Most family members we’re close to have our best interests at heart when they give financial advice. However, their advice is only based on what they know. Therefore, seek money advice from a person actually living the life you desire to have already, so you can have a better idea of what that person does consistently on a regular and try to incorporate some, if not all of those things in your life.

When seeking advice in the past, what is something you wish that you had taught with a credible source about?

Please feel free to leave a comment, since I’ll love to hear your feedback and to follow me, along with like this post before you leave if you haven’t already.

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Spontaneous

There is nothing wrong with being spontaneous when it comes to certain things. Yet, the average person can’t afford to be that way in everything they do in life. Thus, I’ll listed a couple of those things below.

Retirement Savings

  • This isn’t something you can decide to get serious about 5-10 years before you’re planning to retire. As a result, you should start contributing consistently to this savings through an online brokerage account through a company like MerrilEdge or through your job by at least your late 20s.

Kid’s Tuition

  • There is a 50/50 chance that your kid is going to college one day when they’re born. Therefore, don’t wait until your child is a junior or senior in high school to start trying to save for it or worst case, leave it up to your child to pay for it on their own.

What are some other things you feel like you can’t be spontaneous about in life?

Last, please feel free to leave a comment so I can hear your feedback and to follow me, along with like this post before you leave if you haven’t already.

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Blow

Most people that live paycheck to paycheck aren’t thinking about things that might happen in the future. However, I’ll like to caution Americans that live this way that recently received a $1200 stimulus check to not go and blow most of it on an item like a new big screen tv from Best Buy, but to save most of it for unexpected things.

Car Repairs

  • Whether you need to get new tires, brakes, or some work under the hood of your car complete, one of the three usually needs to be done every 1-2 years. Therefore, it’s a good idea to have some money put aside for this, oppose to having to scramble at the last minute to try and come up with it.

Out of Pocket Medical Expenses

  • There is a high chance that you will need some type of key medical work done, even if it’s just dental that your insurance won’t cover everything and that you’ll need to come out of pocket for, especially if you got kids as well.

What are some other things you’ve seen or heard people blow their stimulus money on that you feel they should of save some of it for unexpected expenses?

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To Date Or Not To Date?

The goal should always be for both a man and a woman to try and make a great impression on anybody they’re interested in dating, mainly so the person will want to go out with them. However, there are certain things that can be done unintentionally, which can hinder your chances.

  • Trying To Borrow Money Before Even Going On The First Date

For a lady to do this, it can be perceived that she really isn’t dating to get to know the guy but just looking for someone to give her some money. Next, if a guy does this , it comes completely off as him not being stable enough financially to even be trying to date at the moment.

  • Expecting To Be Made A Top Priority Overnight By The Other Person

Everybody that you meet initially isn’t going to make you the top priority in their life over night. Thus, you don’t want to get too emotional with the person when they don’t and potentially come off as crazy to them.

Please feel free to provide feedback by leaving a comment below. Also, don’t forget to follow me and like this post before you leave if you haven’t already.

Debt Season

During the holiday season most people usually spend more money on gifts then what they actually can afford. Furthermore, a lot of people often go in debt during the holidays that isn’t easy for them to get out of. As a result, listed below are a couple of things that should help reduce or eliminate holiday debt completely.

Bi-weekly Pay Check

If you get paid bi-weekly there is two months within the year where you will get paid three times instead of the normal two. Thus, treat those two paychecks as a yearly bonus and put that money aside as your Christmas saving.

Income Tax

Instead of blowing all your income tax money if you’re lucky enough to get anything back after filing your taxes, leverage some if not all of that money towards a Christmas saving for the end of the year.

Please feel free to provide feedback by leaving a comment below and to follow me on here and like this post before you leave if you haven’t already. Also, follow me on twitter at @adkeystohappin1 for encouraging and inspirational quotes every weekday.

New City Life

The possibility of moving to a new city can be very exciting, mainly since it can be look at as an opportunity for a fresh start in life. However, below are a couple of key things to consider before deciding to move to a new place, especially if you have a young child.

Cost Of Living

  • It’s important to make sure that you’re not going to be paying significantly more in rent or mortgage at the new place before you move, unless your pay at the new job will be increasing enough to make up for the difference so you can afford to live there.

Dependable & Trusted Babysitter

  • Make sure you have a support system in place of a family member or a dependable friend that you trust to babysit your child in case you need to work on the weekends, want to hang out with some friends, or go out on a date.

Please feel free to provide feedback by leaving a comment below and to follow me on here and like this post before you leave if you haven’t already. Also, follow me on twitter at @adkeystohappin1 for encouraging and inspirational quotes every weekday.