We’ve finally reached that time of year, the holidays. If you’re anything like me, right about now you’re waist-deep in travel plans, holiday meal planning, and of course, the dreaded gift shopping. It seems like every year we go into this frenzy trying to find the “perfect” gifts for our loved ones, scouring the internet for deals, fighting with random strangers over the last hot item on sale on Black Friday, and maxing out our budgets, all in the name of Christmas.
If you don’t work, you don’t eat. Truer words have never been spoken. But here’s something that also rings true. Even if you do work, if you don’t create a food budget that fits your lifestyle and paycheck, you could end up eating cup o’ noodles by the end your pay cycle as you wait for the next paycheck.
Fall is finally here, and you know what that means? The weather is changing and so is your wardrobe! Whether you’re working from home or the office, dressing appropriately for your career is imperative. Seasonal changes can make getting dressed somewhat challenging and a little costly. Pour a cup of coffee and continue reading to learn How to Transition your Work Wardrobe from Summer to Fall (on a Budget) for both business professional and casual work environments.
This post was sponsored by CreditRepair.com.
You work hard for your money and the last thing you want to do is lose it in a scam. Millions of people fall prey to scams every year. They affect people of all education levels and societal classes. Thieves and fraudsters are evolving with technology and it’s important to identify the signs of a scam as early as possible to avoid costly effects that could take months, even years to erase.
Here are four warning signs that you might be getting scammed:
They Approach You
For most of us, when we want something we conduct research and then contact the preferred vendors or businesses. Unsolicited calls with exceptionally good news are usually a sign of a scam, especially if you haven’t received a written notice from the company before. If you receive a phone call that seems suspicious DO NOT provide any information before asking and receiving the following.
● The employee's name, ID and a call back number with their direct extension if necessary.
● The website of the company they are calling from.
● Information regarding how they obtained your information.
Once you receive this information look up the company online to find out if any search yields information pertaining to scams. If it is legitimate then you can call the employee back at the number and direct extension they provided to you.
The same goes for home improvement scams. According to CreditRepair.com “if someone knocks on your door or calls you and you haven't been investigating any home improvements, beware.”
They Invite You to Check Their Better Business Bureau Rating
Back in 2010 it was uncovered that the Better Business Bureau (BBB) was essentially a pay to play organization. If a company had money to pay the BBB, they’d receive a grade A regardless of customer complaints or customer experiences.
Scammers use the platform as a way to”legitimize” their business. Rather than referring to the BBB check out Yelp for customer reviews or ask friends and neighbors for referrals.
They Request That You Pay Up Front
While some business interactions require a deposit or payments at regular intervals, beware of claims that state that you have won a lottery, prize, or can invest in a great opportunity, if you pay a small fee in advance. According to the FBI, often times these scams require their clients to sign contracts where they agree to pay the fee. Victims often learn that they are ineligible for financing only after they have paid the nonrefundable finders fee according to the contract.
You shouldn’t have to give money to receive your prize money in return.
They Ask For Private Information Without Previous Interaction
Your private information is just that, private. A company that you have no previous relationship with should not request personal information such as bank account information, birthdate, or social security number without providing you ample notice such as a mailing, that they will need this information and that they will be contacting you.
This is not to say that something is automatically a scam if it contains any of the aforementioned warning signs, but it does mean that you should conduct extensive research on the company to determine its legitimacy.
For more information on identifying loan scams in particular visit CreditRepair.com’s Resource Center.
Whether you make $45,000 a year or $250,000 a year, finding ways to reduce your cost of living is vital for long-term financial stability.
We know what needs to be done, but many of us struggle with how. We’re already strapped for time, and adding one more thing to our “to do” list is not appealing; no matter how much money we’ll save. So, I put together a list of things that are easy to implement into our daily, weekly, and monthly routines AND help to reduce monthly expenses over time.Read More
A pet (whether a dog or a cat) can be your best friend and bring happiness in your life. But, being a pet owner can cost you between $640 (for a cat) to $1,500 (for a large dog) annually. These costs typically include pet supplies, food, and veterinarian visits. If you’re considering getting a pet keep in mind that pet care expenses can get heavy on your pocket if you have a limited budget. If you currently have a pet, here are a few tips to help you reduce pet care costs.Read More
This post was created in partnership with AutoGravity.
Ride-sharing companies such as Uber and Lyft have revolutionized the way we travel, but for most people owning a car is still a necessity. This is especially true if you live in a city that doesn’t have a comprehensive public transportation system.
But owning a car, new or used, can be expensive. Similar to homeownership, car ownership isn’t just a monthly car payment and your auto insurance. It is important to take the following additional costs into consideration while calculating the potential costs of ownership. Read More
This blog post is part of the Pay Down My Debt (PDMD) blog tour, sponsored by US Equity Advantage. PDMD is a solution that accelerates debt payoff and helps consumers monitor their credit and make smarter purchasing decisions. If you’re looking to pay off debt, find out how they can help.
Human beings are pack animals and have an innate desire to belong . For many the desire to belong leads to debt. This phenomena is often referred to as “keeping up with the Joneses.” This English language phrase refers to individuals that live beyond their means to achieve or maintain their social status. Keeping up with the Joneses and debt have become a way of American life. According to CNBC, in 2015 8 out of 10 Americans had some form of debt.Read More
Working with some of the best business people in the game, both men and women, has led me to a conclusion. The difference between successful businesspeople and those who just get by is the ability to ask for and receive what you want. It’s something that so few of us, especially women are willing to do. When it comes to making the ask in business, statistics show that women don’t do it enough.