The holiday season is upon us. Some of us are already planning Thanksgiving dinner. As usual, the holidays cause me to reminisce about holidays gone by. You know like when I was a kid, or when my sons where children. When I think back, I can immediately see lots of things I miss…like my Dad and Mom, my Mom’s cooking (LOL), the carefreeness of my childhood, the excitement my boys had about the holidays and…Layaways. Yep, you read that...
It may not look like it, but you receiving this email is a small miracle. Sometime during late 2022, my website’s automated email distribution program “broke”. Now, I am not sure if I broke it or if it broke on its own, but I can confirm that it was definitely broken. I am not tech savvy. I am more tech-adjacent…LOL. Meaning, I can figure out most things with instructions, but for some reason, I could not get BBIC’s automated email...
Saying NO. It’s not always easy to do. We have lots of pulls on us from multiple directions. There is television and social media saying we should look like this/live like this, and if we are not, we are not living our best life. Or worse, we are not worthy, welcome or winning. Too many of us try, to our on detriment, to achieve what the world says success is supposed to be. But is the world right? I am not saying we should all...
I believe just about everyone is familiar with dollars stores. How can you miss them? According to Statista.com, in 2021 the U.S. had more than 35,000, and the number is growing. All those stores, PLUS all our “dollars” add up. Dollars stores are now a multi-billion dollar industry. And, I for one, love it! For me dollar stores, specifically those like Dollar Tree, are a great way to save money. Here are my three favorite ways to utilize...
As consumers we have rights provided to us by Federal law. It is important to know these rights in order to protect ourselves and families from fraud and scams in the marketplace. To help, we here at Being Broke Isn’t Cute are starting a new monthly series called “Know Your Rights!” It is all about informing you of your consumer rights. This month…Credit Repair Services There are plenty of credit repair companies out there. They promise...
One of the easiest and cheapest ways to help protect yourself from identity theft is to place a credit freeze on your credit report. In fact, you can place the freeze on all of your reports even if you have not been a victim of identity theft. It can be used as both a protection and prevention. Keeping It Tight So what does a credit freeze do for you? In a nutshell, it restricts access to your credit report, meaning neither you, nor anyone...
If you have a student loan then you should be well aware of loan repayments resuming next month (October) after being on hiatus since March-2020. This comes just in time for the holidays. Thanks Uncle Sam! However, there could be help for you. On a recent Consumer Financial Protection Bureau (CFPB) blog, they noted loan cancellations are still an option and assistance with lowering loan payments is available too. I have included a link to...
FEAR. What do you think of when you read the word? Does a specific incident in your life come to mind? Are you afraid of spiders? Snakes? Zombies? Whatever dude on the left is running from? What about money? Don’t answer too quickly. First, stop and think about how you handle your finances. You may think you are not afraid, but your financial decisions are saying something totally different. Do you avoid reviewing your accounts because you...
The second I thought of the title for this blog the song by MC Rob Base and DJ, EZ Rock came to mind. I do not own the right to this music, nor did I write the lyrics, I just love the song… It takes two to make a thing go right, It takes two to make it outta sight, It takes two to make a thing go right, It takes two to make it outta sight So what does this have to do with personal finance? Well, let me tell you. It is not only a great...
There is an expression, “time and tide waits for no man” meaning time passes whether we want it to or not, and whether we are ready for it or not. Think about it, here we are, end of August, over halfway through the year. Doesn’t it seem like New Year’s Day was just last month, or last week? How quickly time passes, and if we do not prepare financially, we could find ourselves struggling in a future were forgot to create. Dream!...
