joncmac

Jon McNamara is the CEO of needhelppayingbills.com, a company that he started in 2008 and that specializes in helping low income families as well as those who are in a financial hardship. He also found NHPB LLC, a company committed to helping the less fortunate and is the Vice President of Billhelp.uk. Every piece of content on this website has been reviewed by him before publishing and many of the articles he has personally written. Jon is the leading author for needhelppayingbils. Find more information at https://www.needhelppayingbills.com/html/jon_mcnamara.html

Using debt for holiday shopping | Paying for Christmas and Thanksgiving with debt

It is a horrible idea to use credit cards (if they are not immediately paid off within days), loans, or other types of borrowing to pay for the holidays. Never go into debt over the long holiday season. Do not borrow money to pay for travel, Christmas gifts for your family (or yourself!), food, meals, or any of the other countless things that people spend their money on over the holidays. There are multiple studies that come out each year that show the average shopper goes into more than $1000 …

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 …