Tipping

Many, or most service industry workers, rely on tips to pay their living expenses. Unfortunately there are still a large number of American who are not tipping, and that greatly hurts low income families, the undereducated, immigrants, young people, or others who tend to make up service employees who depend on that extra money. While there are multiple studies on this topic of who does and who doesn’t tip (all of which show consistent results), there was another survey done in September 2019 by CreditCards.com It showed the differences in …

You Have $100 Hiding Somewhere in Your Clutter – Here’s How to Find It!

These days it’s popular to adopt a more minimalist, clutter-free lifestyle. But as you turn to that lifestyle, you can easily find an extra $100. And considering most people do not even have an emergency $400 to pay the bills, finding that $100 in your clutter can make a difference to any household, no matter their income. Clearing away unwanted junk in the home can be liberating as well. But what to do with all those things you no longer want in your life? How about turning them into some …

Build-Improve finances slowly when living paycheck to paycheck

We get emails from, read stories on, and have life experiences about people who want to improve their finances “overnight”. That is rarely possible, and it takes time to improve your financial situation or to build finances. Whether it is paying down debt, saving money, or improving your financial situation from new skills, all of them are accomplished slowly, over time (usually years). We know of people and hear from low and even middle income families who want to have significant savings accounts, investments, or pay down their debts right …