Author: Mia Williams

There’s a value in coins. Sometimes, the value of a coin is worth much greater than its face value. This is likely due to the rarity in the material it was made out of, how many of those coins are in circulation, or due to an error at that mint where the coins were pressed incorrectly. There are lots of coins that are worth much more than they appear at face value. Depending on the materials used to make them, how many were made, and how long ago, your coins might be worth a pretty penny today. If you come…

Traveling doesn’t mean breaking your bank and digging deep into your wallet. There are many tips to travel on a budget, especially nowadays, where you can plan most of your vacation on the internet. If you plan to save while traveling and are looking for tips to travel on a budget, you have come to the right place. Follow these tips to stay on budget; you can even travel to your favorite destinations on limited funds if you’re savvy about it. Choose Your Destination Wisely This first tip is the most important tip for traveling on a budget. Some places…

The decision regarding which of your debt you should pay off first depends on several factors. All debts are not the same and hence cannot be managed equally. You need to consider your income, the expenses you incur, and other financial obligations. How you tackle the payment of your debts, whether big or small, depends on your personal circumstances. This article will help you decide what debt to pay off first, but before that, let’s look at the kinds of debt we are talking about. Kinds of Debt Secured debt and unsecured debt: A secured debt is supported by collateral, which…

Not many people take out personal loans with the intention of not paying the amount back. Being indebted to a bank and not paying them back would mean accumulating late fees and having debt collectors harass you. It could also end in a courtroom with wage garnishment or if it’s a serious amount of money, even jail time. But it still happens. Most of the time, it is unintentional. Maybe you got into a car accident or had an unexpected health issue, and now everything you had planned is out the window, and you have no money left to pay…

The Consumer Price Index is a monthly measure of the average prices of a predetermined basket of goods and services over a period of time. It is used to measure and report if a country’s economy is experiencing any inflation or deflation. The consumer price index is also a way to evaluate how the cost of living in an economy fluctuates. How to Calculate the Consumer Price Index In the United States, the Bureau of Labor Statistics calculates the Consumer Price Index or CPI. They take the average cost of a predetermined cost of goods for a month and then divide it…

Buying a car is expensive, but you should know that the initial purchase cost is not the only cost you will have when owning a car. The initial costs are just the beginning! According to the United States Department of Labor, the average cost of owning and operating a vehicle is $10,742 yearly. There are so many hidden costs of owning a car that not everyone thinks about. Let’s talk about a few of them! Title and Registration Fees The first extra cost you will face after purchasing your car is the registration and title fees. These fees can vary depending…

Inflation levels keep rising, our costs of living keep going up. Everything from our food and our clothing to fuel and education fees keeps getting more expensive. But it seems like our annual incomes do not rise with inflation. People are desperately looking for ways to fill these gaps and increase their incomes. Boosting your income gives you the ability to save and invest more. It helps you reach your financial goals faster, and it helps to have some extra cash lying around if and when you need it. Let’s get into a few ways you can boost your income. Start…

Doing your taxes and filing them can be a daunting process. It can be time-consuming and annoying if you don’t know what you are doing. You’d think not doing your taxes could save you a lot of money, time, and stress. But in reality it can get you into a lot of trouble. This article will tell you about what happens when you don’t do your taxes. What Happens If I Don’t File My Taxes? Wondering what would happen if you fail to file or pay your taxes? Read on and find out! Penalties and Fines for Failures to Charge When…

Investing in cryptocurrency could get you filthy rich, or it could end up in you losing all you invested money. Both outcomes are a possibility when investing in crypto. It is extremely risky with the potential to be extremely profitable. So, is it wise to invest in crypto in 2022? Cryptocurrency is not just a buzzword going around in the world of investing. You might be hearing everyone around you talking about some kind of crypto, from Bitcoin to Ethereum to Dogecoins. Before you put all your savings into crypto, you should first understand the world of crypto and blockchains.…

You might be switching jobs, or you may not like the retirement plans your current employer is offering you. In these situations, you will have to move your savings into a new 401(k) plan or an individual retirement account (IRA). There are different options for your retirement account. You can cash out, consolidate your 401(k) into the retirement plan of your new employer, or rollover your assets into an IRA or a Roth IRA. In this article, we will discuss rolling over your assets and retirement account. What Is a Retirement Account Rollover? A rollover is when you take the…