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MEHEALTHMONEY
I’m Derek Sall, founder of Life And My Finances. Money can be confusing, and it’s really tough to know what to do, and in what order! That’s why I created this amazing FREE resource. 15 Steps to Wealth. Check out the steps, click into and read all the related posts, and be sure to leave a comment if you have any questions! MAKING 1 EXTRA MORTGAGE PAYMENT A YEAR: WHAT IS THE IMPACT?? If you make 1 extra mortgage payment a year on the 15 year fixed loan, you will save: $8,000 in interest payments. and 1.5 years worth of payments (ie. you’ll pay off your home in just 13.5 years instead of the assumed 15) As you may have guessed, the impact isn’t that spectacular, but hey, you do still get to become mortgage free in just THE HOUSING MARKET IS HOT! SHOULD YOU SELL YOUR HOUSE TO Realtor fees – The standard realtor fee is 6%. If you sell your house for $400,000, that’s $24,000 that leaves your pocket and goes straight to the realtor. Closing costs – There are additional costs for title insurance, deed transfer taxes, recording fees, etc. This could be another 3%, or $12,000. WHAT IS THE 2021 STIMULUS IMPACT ON YOUR TAXES? (A MUST The update to the child tax credits. Now in 2021, the child tax credit is $3,000 per child that’s between the ages of 6-17, and $3,600 per child that’s under 6 years old. These are some big jumps! And believe it or not, this is going to have a BIG impact on your 2021 taxreturns!
WHERE TO INVEST YOUR MONEY IN 2021 Where to Invest Your Money in 2021. Derek. December 7, 2020. The stock market was down nearly 40% in early 2020. I bought as much as I could at the bottom, but now we’re already back to the top again. With all the uncertainty, the stock market just doesn’t seem like the best place to invest anymore. So, as we head into a new year, I’ve BEST YOUTUBE TV ALTERNATIVE OPTIONS (TOP 6 PLUS THE 1) Sling TV. Sling TV is a great YouTube TV alternative, and for almost half the cost! Starting at just $35 a month, Sling TV also offers a free trial for you to test it out. Each of their plan options includes: 50 hours of DVR, no contracts, and. up to 3 streaming devices. Sling TV also has quite a few promotions going on at anygiven time.
HOW MUCH SHOULD I HAVE IN RETIREMENT AT 35? FREE DEBT SNOWBALL CALCULATOR With this free debt snowball calculator, you can: Enter up to 16 debts. Enter interest rates and minimum payments for each debt. Put in the extra payments you’re looking to make each month. And, you can even put in an up-front payment if you have a stash of cash that you want to pour at your debt immediately! 12 JOBS THAT PAY $60K A YEAR WITHOUT A DEGREE 12) Massage Therapist. Median salary: $21k – $78k. Duties: A massage therapist works extensively with their hands and will collaborate with clients to target stress and pain areas as part of the treatment plan. Other duties include maintaining treatment records and coaching patients through proper exercise and relaxation techniques. SHOULD I HIRE A LAWN SERVICE OR MOW THE LAWN MYSELF? At the end of season one, mowing my own yard would cost me a total of $1,395, or $116.25 per mow. Each Season After. $50 for mower maintenance (and shed maintenance) 12 mows at $22.50 (the value of my time every 45 minutes) In each season following, my expenses are lower since I did not need to make any large purchases, but it would stillcost
HOME - LIFE AND MY FINANCESABOUT MESTART A BLOGFREE TOOLSHIREMEHEALTHMONEY
I’m Derek Sall, founder of Life And My Finances. Money can be confusing, and it’s really tough to know what to do, and in what order! That’s why I created this amazing FREE resource. 15 Steps to Wealth. Check out the steps, click into and read all the related posts, and be sure to leave a comment if you have any questions! MAKING 1 EXTRA MORTGAGE PAYMENT A YEAR: WHAT IS THE IMPACT?? If you make 1 extra mortgage payment a year on the 15 year fixed loan, you will save: $8,000 in interest payments. and 1.5 years worth of payments (ie. you’ll pay off your home in just 13.5 years instead of the assumed 15) As you may have guessed, the impact isn’t that spectacular, but hey, you do still get to become mortgage free in just THE HOUSING MARKET IS HOT! SHOULD YOU SELL YOUR HOUSE TO Realtor fees – The standard realtor fee is 6%. If you sell your house for $400,000, that’s $24,000 that leaves your pocket and goes straight to the realtor. Closing costs – There are additional costs for title insurance, deed transfer taxes, recording fees, etc. This could be another 3%, or $12,000. WHAT IS THE 2021 STIMULUS IMPACT ON YOUR TAXES? (A MUST The update to the child tax credits. Now in 2021, the child tax credit is $3,000 per child that’s between the ages of 6-17, and $3,600 per child that’s under 6 years old. These are some big jumps! And believe it or not, this is going to have a BIG impact on your 2021 taxreturns!
BEST YOUTUBE TV ALTERNATIVE OPTIONS (TOP 6 PLUS THE 1) Sling TV. Sling TV is a great YouTube TV alternative, and for almost half the cost! Starting at just $35 a month, Sling TV also offers a free trial for you to test it out. Each of their plan options includes: 50 hours of DVR, no contracts, and. up to 3 streaming devices. Sling TV also has quite a few promotions going on at anygiven time.
WHERE TO INVEST YOUR MONEY IN 2021 Where to Invest Your Money in 2021. Derek. December 7, 2020. The stock market was down nearly 40% in early 2020. I bought as much as I could at the bottom, but now we’re already back to the top again. With all the uncertainty, the stock market just doesn’t seem like the best place to invest anymore. So, as we head into a new year, I’ve HOW MUCH SHOULD I HAVE IN RETIREMENT AT 35? FREE DEBT SNOWBALL CALCULATOR With this free debt snowball calculator, you can: Enter up to 16 debts. Enter interest rates and minimum payments for each debt. Put in the extra payments you’re looking to make each month. And, you can even put in an up-front payment if you have a stash of cash that you want to pour at your debt immediately! 12 JOBS THAT PAY $60K A YEAR WITHOUT A DEGREE 12) Massage Therapist. Median salary: $21k – $78k. Duties: A massage therapist works extensively with their hands and will collaborate with clients to target stress and pain areas as part of the treatment plan. Other duties include maintaining treatment records and coaching patients through proper exercise and relaxation techniques. SHOULD I HIRE A LAWN SERVICE OR MOW THE LAWN MYSELF? At the end of season one, mowing my own yard would cost me a total of $1,395, or $116.25 per mow. Each Season After. $50 for mower maintenance (and shed maintenance) 12 mows at $22.50 (the value of my time every 45 minutes) In each season following, my expenses are lower since I did not need to make any large purchases, but it would stillcost
HOME - LIFE AND MY FINANCES I’m Derek Sall, founder of Life And My Finances. Money can be confusing, and it’s really tough to know what to do, and in what order! That’s why I created this amazing FREE resource. 15 Steps to Wealth. Check out the steps, click into and read all the related posts, and be sure to leave a comment if you have any questions! HOME APPRAISAL TIPS: HOW TO GET TOP DOLLAR FOR YOUR HOME 7) Work Out the Best Deal. At the end of the day, even with all these home appraisal tips, you are the seller and will need to decide if you can or want to accept the lower valuation of the purchase price. You have the option of refusing to move forward with the sale, andrelisting the home.
12 JOBS THAT PAY $60K A YEAR WITHOUT A DEGREE 12) Massage Therapist. Median salary: $21k – $78k. Duties: A massage therapist works extensively with their hands and will collaborate with clients to target stress and pain areas as part of the treatment plan. Other duties include maintaining treatment records and coaching patients through proper exercise and relaxation techniques. AVERAGE NET WORTH BY 30: HOW DO YOU COMPARE? Average Net Worth By 30. The average net worth is a little over $600,000. However, the average net worth by 30 is $174,000. Some experts disagree on what your net worth should be by age 30. Some believe twice the amount of your annual salary. So if you make $50,000 a year, they believe you should have $100,000 saved. HOW TO BUY VTSAX (AND WHAT IS IT REALLY...??) Looking for how to buy VTSAX? First, you'll need an account with Vanguard. Then, transfer funds into your account. Here's thestep-by-step
HOW TO MAKE A MILLION DOLLARS IN 10 YEARS Truthfully, this title should actually be “How to Make a Million Dollars in 10 Years Without Going Into Debt“, but that is just getting a little too winded for my liking.It’s true though! My girlfriend and I worked out how this can be done on a sketch pad while we were watching the sunset (which, by the way, is the best place for working on your finances if there ever was one). WHAT TO DO WITH $100,000 RIGHT NOW (WHEN EVERYTHING IS I’ve heard from a few people latelythey’re wondering what to do with 100k right now. The stock market is at its all-time high, Bitcoin is super volatile, and real estate is simply out of control! WHICH INCOME CLASS ARE YOU IN? HOW DO YOU RANK? 1) The Upper class. The “upper class” basically means the upper 1% of America. To gain a place in this income class, you need to earn at least $389,436 a year. On average, the upper 1% earns $1.2 millioneach year.
HYPERINFLATION IN THE UNITED STATES... IS YOUR MONEY AT RISK? According to Investopedia, hyperinflation is defined as: “Rapid, excessive, and out-of-control general price increases in an economy.typically measuring more than 50% per month.”. In other words, it might cost $2 for a loaf of bread today. When you head backa
BEWARE ODD LOT TENDER OFFERS Typically an odd lot tender offer is an offer by the company issuing the shares. They buy back shares from owners with less than 100 total shares in an account. The Securities and Exchange Commission allows targeting of shareholders with less than 100 shares for these offers. Once the company decides to offer an odd lot tender, a letter is HOME - LIFE AND MY FINANCESABOUT MESTART A BLOGFREE TOOLSHIREMEHEALTHMONEY
I’m Derek Sall, founder of Life And My Finances. Money can be confusing, and it’s really tough to know what to do, and in what order! That’s why I created this amazing FREE resource. 15 Steps to Wealth. Check out the steps, click into and read all the related posts, and be sure to leave a comment if you have any questions! HOME APPRAISAL TIPS: HOW TO GET TOP DOLLAR FOR YOUR HOME 7) Work Out the Best Deal. At the end of the day, even with all these home appraisal tips, you are the seller and will need to decide if you can or want to accept the lower valuation of the purchase price. You have the option of refusing to move forward with the sale, andrelisting the home.
THE HOUSING MARKET IS HOT! SHOULD YOU SELL YOUR HOUSE TO Realtor fees – The standard realtor fee is 6%. If you sell your house for $400,000, that’s $24,000 that leaves your pocket and goes straight to the realtor. Closing costs – There are additional costs for title insurance, deed transfer taxes, recording fees, etc. This could be another 3%, or $12,000. MAKING 1 EXTRA MORTGAGE PAYMENT A YEAR: WHAT IS THE IMPACT?? If you make 1 extra mortgage payment a year on the 15 year fixed loan, you will save: $8,000 in interest payments. and 1.5 years worth of payments (ie. you’ll pay off your home in just 13.5 years instead of the assumed 15) As you may have guessed, the impact isn’t that spectacular, but hey, you do still get to become mortgage free in just WHERE TO INVEST YOUR MONEY IN 2021 Where to Invest Your Money in 2021. Derek. December 7, 2020. The stock market was down nearly 40% in early 2020. I bought as much as I could at the bottom, but now we’re already back to the top again. With all the uncertainty, the stock market just doesn’t seem like the best place to invest anymore. So, as we head into a new year, I’ve WHAT IS THE 2021 STIMULUS IMPACT ON YOUR TAXES? (A MUST The update to the child tax credits. Now in 2021, the child tax credit is $3,000 per child that’s between the ages of 6-17, and $3,600 per child that’s under 6 years old. These are some big jumps! And believe it or not, this is going to have a BIG impact on your 2021 taxreturns!
AVERAGE NET WORTH BY 30: HOW DO YOU COMPARE? Average Net Worth By 30. The average net worth is a little over $600,000. However, the average net worth by 30 is $174,000. Some experts disagree on what your net worth should be by age 30. Some believe twice the amount of your annual salary. So if you make $50,000 a year, they believe you should have $100,000 saved. HOME - LIFE AND MY FINANCESABOUT MESTART A BLOGFREE TOOLSHIREMEHEALTHMONEY
I’m Derek Sall, founder of Life And My Finances. Money can be confusing, and it’s really tough to know what to do, and in what order! That’s why I created this amazing FREE resource. 15 Steps to Wealth. Check out the steps, click into and read all the related posts, and be sure to leave a comment if you have any questions! HOME APPRAISAL TIPS: HOW TO GET TOP DOLLAR FOR YOUR HOME 7) Work Out the Best Deal. At the end of the day, even with all these home appraisal tips, you are the seller and will need to decide if you can or want to accept the lower valuation of the purchase price. You have the option of refusing to move forward with the sale, andrelisting the home.
THE HOUSING MARKET IS HOT! SHOULD YOU SELL YOUR HOUSE TO Realtor fees – The standard realtor fee is 6%. If you sell your house for $400,000, that’s $24,000 that leaves your pocket and goes straight to the realtor. Closing costs – There are additional costs for title insurance, deed transfer taxes, recording fees, etc. This could be another 3%, or $12,000. MAKING 1 EXTRA MORTGAGE PAYMENT A YEAR: WHAT IS THE IMPACT?? If you make 1 extra mortgage payment a year on the 15 year fixed loan, you will save: $8,000 in interest payments. and 1.5 years worth of payments (ie. you’ll pay off your home in just 13.5 years instead of the assumed 15) As you may have guessed, the impact isn’t that spectacular, but hey, you do still get to become mortgage free in just WHERE TO INVEST YOUR MONEY IN 2021 Where to Invest Your Money in 2021. Derek. December 7, 2020. The stock market was down nearly 40% in early 2020. I bought as much as I could at the bottom, but now we’re already back to the top again. With all the uncertainty, the stock market just doesn’t seem like the best place to invest anymore. So, as we head into a new year, I’ve WHAT IS THE 2021 STIMULUS IMPACT ON YOUR TAXES? (A MUST The update to the child tax credits. Now in 2021, the child tax credit is $3,000 per child that’s between the ages of 6-17, and $3,600 per child that’s under 6 years old. These are some big jumps! And believe it or not, this is going to have a BIG impact on your 2021 taxreturns!
AVERAGE NET WORTH BY 30: HOW DO YOU COMPARE? Average Net Worth By 30. The average net worth is a little over $600,000. However, the average net worth by 30 is $174,000. Some experts disagree on what your net worth should be by age 30. Some believe twice the amount of your annual salary. So if you make $50,000 a year, they believe you should have $100,000 saved. TOP 16 THINGS THAT ADD VALUE TO A HOME 4) Repair or Add a Fence. Fences add value to a home, period. But there is a value limit. The cost of adding a simple wood fence to even a quarter of an acre can run you a few thousand dollars unless you choose to do it yourself. You will have to weigh the cost of the time/aggravation vs. the potential value add. WHERE TO INVEST YOUR MONEY IN 2021 Where to Invest Your Money in 2021. Derek. December 7, 2020. The stock market was down nearly 40% in early 2020. I bought as much as I could at the bottom, but now we’re already back to the top again. With all the uncertainty, the stock market just doesn’t seem like the best place to invest anymore. So, as we head into a new year, I’ve HOW TO BUY VTSAX (AND WHAT IS IT REALLY...??) Looking for how to buy VTSAX? First, you'll need an account with Vanguard. Then, transfer funds into your account. Here's thestep-by-step
AVERAGE NET WORTH BY 30: HOW DO YOU COMPARE? Average Net Worth By 30. The average net worth is a little over $600,000. However, the average net worth by 30 is $174,000. Some experts disagree on what your net worth should be by age 30. Some believe twice the amount of your annual salary. So if you make $50,000 a year, they believe you should have $100,000 saved. 12 JOBS THAT PAY $60K A YEAR WITHOUT A DEGREE 12) Massage Therapist. Median salary: $21k – $78k. Duties: A massage therapist works extensively with their hands and will collaborate with clients to target stress and pain areas as part of the treatment plan. Other duties include maintaining treatment records and coaching patients through proper exercise and relaxation techniques. 10 FASCINATING BENEFITS OF DIY PROJECTS 1) It’s Obvious, You’re Saving Money. If I would have hired out my window replacement and my exterior house painting jobs, it would have cost me about $12,000. By tackling the projects myself, I spent only $3,000! One of the huge benefits of DIY projects is INHERITANCE MONEY: WHAT SHOULD YOU DO WITH IT? Federal Tax. The Federal tax is fairly simple. There’s only estate tax, no inheritance tax. If the net worth of the deceased is under $11,580,000 ( as of 2020 ), there’s no estate tax. If the net worth of the deceased is over $11,580,000, the estate is taxed at 40% for anything over that value. HOW TO SAVE ON YOUR GROCERY BILL 8) Try Online Shopping. I can’t praise this strategy enough: online grocery shopping is a fantastic way to save on your grocery bill. Stores put a lot of effort into store layout, placing the higher-priced items and the impulse buys where you’ll easily seethem.
JUNE 8, 2021
Investing in mutual funds, index funds, stocks, bonds, or real estate is sometimes so convoluted, many people give up. Even SHOULD I HIRE A LAWN SERVICE OR MOW THE LAWN MYSELF? At the end of season one, mowing my own yard would cost me a total of $1,395, or $116.25 per mow. Each Season After. $50 for mower maintenance (and shed maintenance) 12 mows at $22.50 (the value of my time every 45 minutes) In each season following, my expenses are lower since I did not need to make any large purchases, but it would stillcost
HOME - LIFE AND MY FINANCESABOUT MESTART A BLOGFREE TOOLSHIRE MEHEALTHMONEYLIFE AND MY FINANCES SNOWBALLLIFE AND MY FINANCES SPREADSHEETHELP ME MANAGE MY FINANCESORGANIZING MY FINANCESLIFE FINANCIAL PLANNING SCAM I’m Derek Sall, founder of Life And My Finances. Money can be confusing, and it’s really tough to know what to do, and in what order! That’s why I created this amazing FREE resource. 15 Steps to Wealth. Check out the steps, click into and read all the related posts, and be sure to leave a comment if you have any questions! MAKING 1 EXTRA MORTGAGE PAYMENT A YEAR: WHAT IS THE IMPACT?? If you make 1 extra mortgage payment a year on the 15 year fixed loan, you will save: $8,000 in interest payments. and 1.5 years worth of payments (ie. you’ll pay off your home in just 13.5 years instead of the assumed 15) As you may have guessed, the impact isn’t that spectacular, but hey, you do still get to become mortgage free in just THE HOUSING MARKET IS HOT! SHOULD YOU SELL YOUR HOUSE TO Realtor fees – The standard realtor fee is 6%. If you sell your house for $400,000, that’s $24,000 that leaves your pocket and goes straight to the realtor. Closing costs – There are additional costs for title insurance, deed transfer taxes, recording fees, etc. This could be another 3%, or $12,000. WHAT IS THE 2021 STIMULUS IMPACT ON YOUR TAXES? (A MUST The update to the child tax credits. Now in 2021, the child tax credit is $3,000 per child that’s between the ages of 6-17, and $3,600 per child that’s under 6 years old. These are some big jumps! And believe it or not, this is going to have a BIG impact on your 2021 taxreturns!
BEST YOUTUBE TV ALTERNATIVE OPTIONS (TOP 6 PLUS THE 1) Sling TV. Sling TV is a great YouTube TV alternative, and for almost half the cost! Starting at just $35 a month, Sling TV also offers a free trial for you to test it out. Each of their plan options includes: 50 hours of DVR, no contracts, and. up to 3 streaming devices. Sling TV also has quite a few promotions going on at anygiven time.
HOW TO MAKE A MILLION DOLLARS IN 10 YEARS Truthfully, this title should actually be “How to Make a Million Dollars in 10 Years Without Going Into Debt“, but that is just getting a little too winded for my liking.It’s true though! My girlfriend and I worked out how this can be done on a sketch pad while we were watching the sunset (which, by the way, is the best place for working on your finances if there ever was one). WHAT WOULD IT COST TO ADD A BEDROOM OVER THE GARAGESEE MORE ON LIFEANDMYFINANCES.COM THE DIFFERENCE BETWEEN FIRE AND MINIMALISM The plan of FIRE first focuses on money so you can ultimately be selfish for life. Minimalism is a lifestyle choice that allows you to be more content with your situation and yourself, but again does little to help others (outside of becoming a community of like-mindedminimalists).
JUST BECAUSE YOU HAVE THE MONEY DOESN'T MEAN YOU SHOULD If we would have spent $1,200 on that TV and ps3, which means that we no longer had the opportunity to spend it elsewhere (like on our debts). When your savings begin to grow, make sure to write down what the savings are for, since it may be delegated to many different areas of your budget. Perhaps a small portion is for a future haircut SHOULD I HIRE A LAWN SERVICE OR MOW THE LAWN MYSELF? At the end of season one, mowing my own yard would cost me a total of $1,395, or $116.25 per mow. Each Season After. $50 for mower maintenance (and shed maintenance) 12 mows at $22.50 (the value of my time every 45 minutes) In each season following, my expenses are lower since I did not need to make any large purchases, but it would stillcost
HOME - LIFE AND MY FINANCESABOUT MESTART A BLOGFREE TOOLSHIRE MEHEALTHMONEYLIFE AND MY FINANCES SNOWBALLLIFE AND MY FINANCES SPREADSHEETHELP ME MANAGE MY FINANCESORGANIZING MY FINANCESLIFE FINANCIAL PLANNING SCAM I’m Derek Sall, founder of Life And My Finances. Money can be confusing, and it’s really tough to know what to do, and in what order! That’s why I created this amazing FREE resource. 15 Steps to Wealth. Check out the steps, click into and read all the related posts, and be sure to leave a comment if you have any questions! MAKING 1 EXTRA MORTGAGE PAYMENT A YEAR: WHAT IS THE IMPACT?? If you make 1 extra mortgage payment a year on the 15 year fixed loan, you will save: $8,000 in interest payments. and 1.5 years worth of payments (ie. you’ll pay off your home in just 13.5 years instead of the assumed 15) As you may have guessed, the impact isn’t that spectacular, but hey, you do still get to become mortgage free in just THE HOUSING MARKET IS HOT! SHOULD YOU SELL YOUR HOUSE TO Realtor fees – The standard realtor fee is 6%. If you sell your house for $400,000, that’s $24,000 that leaves your pocket and goes straight to the realtor. Closing costs – There are additional costs for title insurance, deed transfer taxes, recording fees, etc. This could be another 3%, or $12,000. WHAT IS THE 2021 STIMULUS IMPACT ON YOUR TAXES? (A MUST The update to the child tax credits. Now in 2021, the child tax credit is $3,000 per child that’s between the ages of 6-17, and $3,600 per child that’s under 6 years old. These are some big jumps! And believe it or not, this is going to have a BIG impact on your 2021 taxreturns!
BEST YOUTUBE TV ALTERNATIVE OPTIONS (TOP 6 PLUS THE 1) Sling TV. Sling TV is a great YouTube TV alternative, and for almost half the cost! Starting at just $35 a month, Sling TV also offers a free trial for you to test it out. Each of their plan options includes: 50 hours of DVR, no contracts, and. up to 3 streaming devices. Sling TV also has quite a few promotions going on at anygiven time.
HOW TO MAKE A MILLION DOLLARS IN 10 YEARS Truthfully, this title should actually be “How to Make a Million Dollars in 10 Years Without Going Into Debt“, but that is just getting a little too winded for my liking.It’s true though! My girlfriend and I worked out how this can be done on a sketch pad while we were watching the sunset (which, by the way, is the best place for working on your finances if there ever was one). WHAT WOULD IT COST TO ADD A BEDROOM OVER THE GARAGESEE MORE ON LIFEANDMYFINANCES.COM THE DIFFERENCE BETWEEN FIRE AND MINIMALISM The plan of FIRE first focuses on money so you can ultimately be selfish for life. Minimalism is a lifestyle choice that allows you to be more content with your situation and yourself, but again does little to help others (outside of becoming a community of like-mindedminimalists).
JUST BECAUSE YOU HAVE THE MONEY DOESN'T MEAN YOU SHOULD If we would have spent $1,200 on that TV and ps3, which means that we no longer had the opportunity to spend it elsewhere (like on our debts). When your savings begin to grow, make sure to write down what the savings are for, since it may be delegated to many different areas of your budget. Perhaps a small portion is for a future haircut SHOULD I HIRE A LAWN SERVICE OR MOW THE LAWN MYSELF? At the end of season one, mowing my own yard would cost me a total of $1,395, or $116.25 per mow. Each Season After. $50 for mower maintenance (and shed maintenance) 12 mows at $22.50 (the value of my time every 45 minutes) In each season following, my expenses are lower since I did not need to make any large purchases, but it would stillcost
FREE TOOLS - LIFE AND MY FINANCES Keep your money in your pocket. We don’t want it. We just want you to get out of debt and grow wealthy! Here are all the free tools we could find to get you that much closer to financial success. WHERE TO INVEST YOUR MONEY IN 2021 Where to Invest Your Money in 2021. Derek. December 7, 2020. The stock market was down nearly 40% in early 2020. I bought as much as I could at the bottom, but now we’re already back to the top again. With all the uncertainty, the stock market just doesn’t seem like the best place to invest anymore. So, as we head into a new year, I’ve HOW MUCH SHOULD I HAVE IN RETIREMENT AT 35? As a general rule of thumb though (this is to appease all of you looking for that one answer by the way! ;)), I’ve stated before that a 30 year old should have $50,000 saved in their retirement. Therefore, a 35 year old should surely be able to get to $100,000 (with a $7,500/year contribution and growth in their investments). 16 JOBS THAT PAY $70K A YEAR WITHOUT A DEGREE Want to earn big bucks, but don't have formal education? It's possible! Just choose one of these jobs that pay $70k a year without adegree.
HOW TO BUY VTSAX (AND WHAT IS IT REALLY...??) Looking for how to buy VTSAX? First, you'll need an account with Vanguard. Then, transfer funds into your account. Here's thestep-by-step
WHICH INCOME CLASS ARE YOU IN? HOW DO YOU RANK? 1) The Upper class. The “upper class” basically means the upper 1% of America. To gain a place in this income class, you need to earn at least $389,436 a year. On average, the upper 1% earns $1.2 millioneach year.
HOW THE DEBT SNOWBALL REALLY WORKS (FREE TOOL INCLUDED!!) The sheet is great. It offers your reader a way to see the difference in savings by lining up the debt as they wish. Every decision is a trade-off, and there’s a cost in paying, say 0% credit card or medical debt (as shown on your sample sheet) with those extra payments vs sending that money to the highest rate debt.JUNE 7, 2021
Looking for jobs that pay $70k a year without a degree? It’s a good search to make, because it’s definitelyJUNE 8, 2021
Investing in mutual funds, index funds, stocks, bonds, or real estate is sometimes so convoluted, many people give up. Even JOBS THAT PAY 70K A YEAR WITHOUT A DEGREE ARCHIVES Looking for jobs that pay $70k a year without a degree? It’s a good search to make, because it’s definitely HOME - LIFE AND MY FINANCESABOUT MESTART A BLOGFREE TOOLSHIRE MEHEALTHMONEYLIFE AND MY FINANCES SNOWBALLLIFE AND MY FINANCES SPREADSHEETHELP ME MANAGE MY FINANCESORGANIZING MY FINANCESLIFE FINANCIAL PLANNING SCAM I’m Derek Sall, founder of Life And My Finances. Money can be confusing, and it’s really tough to know what to do, and in what order! That’s why I created this amazing FREE resource. 15 Steps to Wealth. Check out the steps, click into and read all the related posts, and be sure to leave a comment if you have any questions! MAKING 1 EXTRA MORTGAGE PAYMENT A YEAR: WHAT IS THE IMPACT?? If you make 1 extra mortgage payment a year on the 15 year fixed loan, you will save: $8,000 in interest payments. and 1.5 years worth of payments (ie. you’ll pay off your home in just 13.5 years instead of the assumed 15) As you may have guessed, the impact isn’t that spectacular, but hey, you do still get to become mortgage free in just THE HOUSING MARKET IS HOT! SHOULD YOU SELL YOUR HOUSE TO Realtor fees – The standard realtor fee is 6%. If you sell your house for $400,000, that’s $24,000 that leaves your pocket and goes straight to the realtor. Closing costs – There are additional costs for title insurance, deed transfer taxes, recording fees, etc. This could be another 3%, or $12,000. WHAT IS THE 2021 STIMULUS IMPACT ON YOUR TAXES? (A MUST The update to the child tax credits. Now in 2021, the child tax credit is $3,000 per child that’s between the ages of 6-17, and $3,600 per child that’s under 6 years old. These are some big jumps! And believe it or not, this is going to have a BIG impact on your 2021 taxreturns!
BEST YOUTUBE TV ALTERNATIVE OPTIONS (TOP 6 PLUS THE 1) Sling TV. Sling TV is a great YouTube TV alternative, and for almost half the cost! Starting at just $35 a month, Sling TV also offers a free trial for you to test it out. Each of their plan options includes: 50 hours of DVR, no contracts, and. up to 3 streaming devices. Sling TV also has quite a few promotions going on at anygiven time.
HOW TO MAKE A MILLION DOLLARS IN 10 YEARS Truthfully, this title should actually be “How to Make a Million Dollars in 10 Years Without Going Into Debt“, but that is just getting a little too winded for my liking.It’s true though! My girlfriend and I worked out how this can be done on a sketch pad while we were watching the sunset (which, by the way, is the best place for working on your finances if there ever was one). WHAT WOULD IT COST TO ADD A BEDROOM OVER THE GARAGESEE MORE ON LIFEANDMYFINANCES.COM THE DIFFERENCE BETWEEN FIRE AND MINIMALISM The plan of FIRE first focuses on money so you can ultimately be selfish for life. Minimalism is a lifestyle choice that allows you to be more content with your situation and yourself, but again does little to help others (outside of becoming a community of like-mindedminimalists).
JUST BECAUSE YOU HAVE THE MONEY DOESN'T MEAN YOU SHOULD If we would have spent $1,200 on that TV and ps3, which means that we no longer had the opportunity to spend it elsewhere (like on our debts). When your savings begin to grow, make sure to write down what the savings are for, since it may be delegated to many different areas of your budget. Perhaps a small portion is for a future haircut SHOULD I HIRE A LAWN SERVICE OR MOW THE LAWN MYSELF? At the end of season one, mowing my own yard would cost me a total of $1,395, or $116.25 per mow. Each Season After. $50 for mower maintenance (and shed maintenance) 12 mows at $22.50 (the value of my time every 45 minutes) In each season following, my expenses are lower since I did not need to make any large purchases, but it would stillcost
HOME - LIFE AND MY FINANCESABOUT MESTART A BLOGFREE TOOLSHIRE MEHEALTHMONEYLIFE AND MY FINANCES SNOWBALLLIFE AND MY FINANCES SPREADSHEETHELP ME MANAGE MY FINANCESORGANIZING MY FINANCESLIFE FINANCIAL PLANNING SCAM I’m Derek Sall, founder of Life And My Finances. Money can be confusing, and it’s really tough to know what to do, and in what order! That’s why I created this amazing FREE resource. 15 Steps to Wealth. Check out the steps, click into and read all the related posts, and be sure to leave a comment if you have any questions! MAKING 1 EXTRA MORTGAGE PAYMENT A YEAR: WHAT IS THE IMPACT?? If you make 1 extra mortgage payment a year on the 15 year fixed loan, you will save: $8,000 in interest payments. and 1.5 years worth of payments (ie. you’ll pay off your home in just 13.5 years instead of the assumed 15) As you may have guessed, the impact isn’t that spectacular, but hey, you do still get to become mortgage free in just THE HOUSING MARKET IS HOT! SHOULD YOU SELL YOUR HOUSE TO Realtor fees – The standard realtor fee is 6%. If you sell your house for $400,000, that’s $24,000 that leaves your pocket and goes straight to the realtor. Closing costs – There are additional costs for title insurance, deed transfer taxes, recording fees, etc. This could be another 3%, or $12,000. WHAT IS THE 2021 STIMULUS IMPACT ON YOUR TAXES? (A MUST The update to the child tax credits. Now in 2021, the child tax credit is $3,000 per child that’s between the ages of 6-17, and $3,600 per child that’s under 6 years old. These are some big jumps! And believe it or not, this is going to have a BIG impact on your 2021 taxreturns!
BEST YOUTUBE TV ALTERNATIVE OPTIONS (TOP 6 PLUS THE 1) Sling TV. Sling TV is a great YouTube TV alternative, and for almost half the cost! Starting at just $35 a month, Sling TV also offers a free trial for you to test it out. Each of their plan options includes: 50 hours of DVR, no contracts, and. up to 3 streaming devices. Sling TV also has quite a few promotions going on at anygiven time.
HOW TO MAKE A MILLION DOLLARS IN 10 YEARS Truthfully, this title should actually be “How to Make a Million Dollars in 10 Years Without Going Into Debt“, but that is just getting a little too winded for my liking.It’s true though! My girlfriend and I worked out how this can be done on a sketch pad while we were watching the sunset (which, by the way, is the best place for working on your finances if there ever was one). WHAT WOULD IT COST TO ADD A BEDROOM OVER THE GARAGESEE MORE ON LIFEANDMYFINANCES.COM THE DIFFERENCE BETWEEN FIRE AND MINIMALISM The plan of FIRE first focuses on money so you can ultimately be selfish for life. Minimalism is a lifestyle choice that allows you to be more content with your situation and yourself, but again does little to help others (outside of becoming a community of like-mindedminimalists).
JUST BECAUSE YOU HAVE THE MONEY DOESN'T MEAN YOU SHOULD If we would have spent $1,200 on that TV and ps3, which means that we no longer had the opportunity to spend it elsewhere (like on our debts). When your savings begin to grow, make sure to write down what the savings are for, since it may be delegated to many different areas of your budget. Perhaps a small portion is for a future haircut SHOULD I HIRE A LAWN SERVICE OR MOW THE LAWN MYSELF? At the end of season one, mowing my own yard would cost me a total of $1,395, or $116.25 per mow. Each Season After. $50 for mower maintenance (and shed maintenance) 12 mows at $22.50 (the value of my time every 45 minutes) In each season following, my expenses are lower since I did not need to make any large purchases, but it would stillcost
FREE TOOLS - LIFE AND MY FINANCES Keep your money in your pocket. We don’t want it. We just want you to get out of debt and grow wealthy! Here are all the free tools we could find to get you that much closer to financial success. WHERE TO INVEST YOUR MONEY IN 2021 Where to Invest Your Money in 2021. Derek. December 7, 2020. The stock market was down nearly 40% in early 2020. I bought as much as I could at the bottom, but now we’re already back to the top again. With all the uncertainty, the stock market just doesn’t seem like the best place to invest anymore. So, as we head into a new year, I’ve 16 JOBS THAT PAY $70K A YEAR WITHOUT A DEGREE Want to earn big bucks, but don't have formal education? It's possible! Just choose one of these jobs that pay $70k a year without adegree.
AVERAGE NET WORTH BY 30: HOW DO YOU COMPARE? Average Net Worth By 30. The average net worth is a little over $600,000. However, the average net worth by 30 is $174,000. Some experts disagree on what your net worth should be by age 30. Some believe twice the amount of your annual salary. So if you make $50,000 a year, they believe you should have $100,000 saved. HOW MUCH SHOULD I HAVE IN RETIREMENT AT 35? As a general rule of thumb though (this is to appease all of you looking for that one answer by the way! ;)), I’ve stated before that a 30 year old should have $50,000 saved in their retirement. Therefore, a 35 year old should surely be able to get to $100,000 (with a $7,500/year contribution and growth in their investments).JUNE 7, 2021
Looking for jobs that pay $70k a year without a degree? It’s a good search to make, because it’s definitely HOW TO DETERMINE WHEN TO DROP FULL COVERAGE ON YOUR VEHICLE Depending on the value of your car, it might not make since to carry full coverage. You can check the value of your car by going to Kelley Blue Book. Now that my car is only 8 years old, the value is low – somewhere in the neighborhood of $1,500. Some experts suggest you should drop full coverage when your car’s value hits $2,000 orlower.
JOBS THAT PAY 70K A YEAR WITHOUT A DEGREE ARCHIVES Looking for jobs that pay $70k a year without a degree? It’s a good search to make, because it’s definitely WHICH INCOME CLASS ARE YOU IN? HOW DO YOU RANK? 1) The Upper class. The “upper class” basically means the upper 1% of America. To gain a place in this income class, you need to earn at least $389,436 a year. On average, the upper 1% earns $1.2 millioneach year.
HOW THE DEBT SNOWBALL REALLY WORKS (FREE TOOL INCLUDED!!) The sheet is great. It offers your reader a way to see the difference in savings by lining up the debt as they wish. Every decision is a trade-off, and there’s a cost in paying, say 0% credit card or medical debt (as shown on your sample sheet) with those extra payments vs sending that money to the highest rate debt. Consumer Privacy Information We and our advertising partners collect personal information (such as the cookies stored on your browser, the advertising identifier on your mobile device, or the IP address of your device) when you visit our site. We, and our partners, use this information to tailor and deliver ads to you on our site, or to help tailor ads to you when you visit others' sites. To tailor ads that may be more relevant to you, we and/or our partners may share the information we collect with thirdparties.
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