Lifestyle

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 …

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 …

Cable TV is a want – not a need

Probably a week doesn’t go by in which we don’t receive an email from someone who is looking for resources to help them pay their cable TV bill. Each and every time we write back saying that cable television, or the equivalent like satellite TV or really any streaming service, is a “want” and not a “need”. You do not need TV like you need food, a roof over your head, medications if sick, utilities, resources for work expenses, or water. It is so frustrating to see these requests of …