That two-week wait between paychecks can be brutal. And when things get tight while you’re busting your ass at work, you might wish for instant access to money you already made. Enter Earned Wage Access aka Early Wage Access. As the name suggests, EWA promises instant access to wages you already earned. It isn’t a…
Here are the budgeting habits and personal finance practices that can make good money management second nature. Budgeting and Spending Control Living Well Within Your MeansThe most foundational habit. Always keep spending below income so you create space for savings, debt payoff, and peace of mind. No SpavingAvoid “spending to save” (buying unnecessary items just…
Heard the latest news in the BNPL shopping space? Klarna is selling up to $26 billion worth of Buy Now, Pay Later loans – offloading future debt to Nelnet, a U.S.-based financial services company that mainly does student loans. Klarna gets cash for its loans and Nelnet takes on the risk that people might not…
Snip-snap, snip-snap. A Biden-era rule was set to remove medical debt from US credit reports but a federal judge put it back on. Erasing medical debt could have improved millions of people’s credit scores by about 20 points. Not always enough to bump you into an entirely new category, but a pretty big deal especially…
Ever missed an AfterPay bill or three? You don’t have to tell us. Just know that if you’ve ever skipped a payment or funded something you really couldn’t afford – you aren’t the only one. Apparently, BNPL borrowers are broke enough to put the apps in financial trouble. Klarna lost a whopping $99 million in…
Selling arts and crafts is a trillion dollar industry, and we did the legwork to find the best handmade craft business ideas for 2025! We’ll start with popular craft business themes, then get to specific ideas.Here are the trends: Keep those trends in mind as we go over different craft business ideas. It can help…
Essential expenses (sometimes called non-discretionary spending) are the costs of meeting your fundamental life needs. Things like housing, food, water, light, warmth, power, clothing, etc. The stuff you can’t reasonably do without. Non-essential expenses (discretionary spending) are added comforts, luxuries, hobbies, and voluntary spending that may contribute to your quality of life but aren’t strictly…
Hey babe! Need to figure out which NAICS code is right for your handmade crafts? We’ve got you.🤗 This post details the top business codes for handmade crafts, arts, jewellery, wood, and all things indie, handcrafted, or custom made. Plus basic info you need to know about using them. So if you’re a craft vendor,…
Feel like adding a nice little commission bonus to your next paycheck? Careful how you do it! As one (now former) AT&T employee learned, finding creative ways to rack up those commission checks can lead to some hilarious (and not-so-hilarious) consequences. In a commission scheme gone wrong, she managed to turn a few extra bucks…
Let’s cover the essential legal, registration, and financial steps to setting up a business. This includes how to choose the right business structure, register your name, obtain necessary licenses, secure financing, and set up effective accounting systems. This overview doesn’t include business planning. Want to see that? Then head to Starting a Business for more…