To Blow Or Not To 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, 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.

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.

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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.

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