Women and Retirement: Start Saving Now!

If you are a woman living in America, you need to start saving for retirement. Although retirement savings concern all Americans, women in particular need to increase their savings. Here are some of the reasons why:

• Females And Traditional Roles. Women, in general, are in and out of the workforce throughout their professional lives more often than men, mainly because of their traditional roles as mothers and caregivers. If you fit this profile (at some point, most women do), living up to those roles makes a big difference in how much money you’re able to put into retirement savings plans. It affects the benefits you get from employers and lowers Social Security and pension benefits as well.
• Approach to Retirement. Whether women are less money-oriented is highly debatable; however, experts have found that women’s views of retirement often differ significantly from their male counterparts. According to a recent survey, women think of retirement in terms of lifestyle more than in terms of money, while men focus on a certain dollar amount they have to reach. This gives men, on average, double the savings that women manage to put away for retirement.
• Income And Life Expectancy. Whether you like it or not, numbers don’t lie: women make some 0.70 cents on every dollar that men make. Put plainly, women have less income to work with. Their expenses, necessities, savings, and bills have to be funded from lower earnings than those of men and for longer periods of time (women live five years longer than men on average).

Rather than forgoing your childbearing and caregiver roles, engage in financial programs and benefits once you are back on the job; continue contributing to retirement plans and towards a personal savings account. Being out of the workforce, for whatever reason, should not mean your savings should stop — saving is always the best retirement plan.

Keep an alternative financial source of funds that allows you to cope with difficult or unexpected situations. Online payday loans provide you with enough cash to quickly take care of emergency expenses. Payday loans are deposited into your personal bank account about 24 hours after you apply, which makes them a great emergency cash option for unexpected scenarios — both now and during retirement.

If you feel like your retirement savings plan could use some work, a good first step is to set concrete financial goals for yourself to reach. Having a lifestyle plan is great, but combining it with a set financial goal is even better. Lastly, embrace every opportunity to increase your retirement income. That way you’ll be able to live fully without worrying about running out of savings during your golden years.

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Check Into Cash Joins Manning in Helping Shooting Victims

Check Into Cash announced today that the company has joined Peyton Manning in supporting the families of those who lost their lives as well as those who were wounded in the tragic shootings on July 16.

The company’s CEO and founder Allan Jones said the company would donate $10,000 to the Chattanooga Heroes Fund at the Community Foundation of Greater Chattanooga, which was established by Manning following the tragedy.

“Check Into Cash supports Chattanooga and we wanted the families and others affected by the events on July 16 to know they are not alone,“ Jones said. “I ask others across the United States to join us in saluting the five servicemen who lost their lives, as well as the brave police officer who risked his life to protect others. We also want to acknowledge the first responders who arrived quickly to help.”

Steve Scoggins, Check Into Cash President, said the $10,000 donation would help provide for the future of the families affected by the shooting.

“That is what is really important,” Scoggins said. “By asking others to join Peyton and Check Into Cash in this effort we are sending a message to these families that you are not alone – we are here for you always.”

The Chattanooga Heroes Fund will provide a continuation of financial support to help the families and individuals directly affected by the shooting meet longer-term financial need. A spokesperson for the fund said it is intended to bridge the gap between shorter-term support and future challenges the families and/or individuals stand to face in the coming years.

“We deeply appreciate Peyton Manning for stepping up for these families through the Chattanooga Heroes Fund and call on others to help in recognizing the noble actions of the servicemen who sacrificed and risked their own lives last week,” Scoggins said.

The Community Foundation of Greater Chattanooga (CFGC) is Chattanooga’s oldest community-owned foundation. CFGC has more-than 50 year track record of managing funds dedicated to addressing areas of critical need in the greater Chattanooga community, including the administration of more than 350 funds totaling more than $100 million dollars in assets, and more than $14 million grants in 2014 alone.

 

Donations to the Chattanooga Heroes Fund from individuals, companies and organizations are welcome in any amount and can be made online at CFGC.org. Scoggins said for more information, those who want to donate can call the foundation at  (423) 265-0586.

Check Into Cash was founded by Jones in Cleveland, Tennessee, in 1993. The Check Into Cash brand is state regulated and offers customers a wide variety of financial solutions. Check Into Cash stores offer consumer micro-loans, check cashing, Western Union^® money transfers, prepaid U.S. Money Cards, and other convenient services as a complete one stop money shop.

Check Into Cash is a founding member of the Community Financial Services Association of America (CFSA), the trade association representing the nation’s payday lenders. The CFSA advocates for best practices and helps enact legislation that balances the needs of the consumer with the interests of the industry.

As a national leader and industry standard bearer, Check Into Cash firmly believes in truthful advertising and full disclosure of its services. For more information, visit CheckIntoCash.com.

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Consignment Shopping: Big Apple Style!

Thinking of frugality and style at the same time may seem like an oxymoron. After all, designer brands have been known to display unbelievably high price tags that only the wealthy and famous can afford. And those proud of living on less are seldom seen shopping for $1,000 boots; they’re more likely to repair their old, low-cuff winter boots to wear for another season.

But what about the frugal chic — those of us who love a great designer item but are also committed to not spend extravagant amounts of money? This may seem like an impossible combination, but with a little know-how and creativity, there are some easy ways to make your fashion dollars go further.

Know Where to Shop

Consignment shops offer fashion-driven people a way to get the best of both worlds. Go online and search for designer consignment shops, and you’ll soon find the addresses of several high-end consignment shops. From mid-range to high-end, these shops have earned a reputation for selling an assortment of designer brand apparel and accessories at great prices. As one of the world’s fashion capitals, New York has lots to offer. You get both high-quality goods and a high-end shopping experience, and best of all, reduced price tags. Of course, every great frugal fashionista has their favorite spots — it’s up to you to discover what treasures these stores have hidden for you.

How to Make a Buck

Preferred high-end consignment shops are sought after because of the brands they sell; however, the moneymaking potential is also a benefit you might want to look into. Consignment shops also offer to buy designer brands from you, provided they’re in mint condition. While not all stores offer the same percentage for the garments you have to sell, high-end designer goods can bring anywhere from 30-55% of the retail price the store assigns to the piece. If you want cash for your items, chances are the percentages will be lower than if you’re willing to take store credit. With store credit, you’ll have to spend your credit at that specific store, and you’ll be limited to a specified timeframe in which to spend those consignment dollars.

Save Without Blending In

Keep your personal style and your finances working for you. Shopping consignment stores with high-end designer pieces can be as much fun as searching through the latest collection at Macy’s, and it’s cheaper too! You want to be able to use your money wisely without foregoing the little things that bring pleasure into your life. As long as there’s enough cash to cover your monthly bills and a little extra to put towards savings, your wardrobe can continue being fabulous.

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10 Affordable Last Minute Vacation Spots

It’s not too late to plan a last minute family trip! Here are 10 amazing vacations spots that are budget friendly!

The shadows are slightly longer. The evenings are a little cooler. The crickets are starting to chirp their rendition of “September Song.” Too late to plan a summer vacation, right? Nope. You’ve got an entire month of summer left and we want you to take it to the limit.

With that in mind, we’ve done some homework for you and come up with 10 amazing vacations right here in the U.S. that are still available and affordable over the next few weeks. That dream beach, national park, big-city blowout, or theme park adventure is within reach if you’re flexible, imaginative, and savvy–a.k.a., a Budget Traveler.

Click Here For List of Top 10 Vacation Spots

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Summer Budget Tips For College Students

Hey College Students!

You can have a fun and affordable summer. Here are some helpful tips and cheap ways to enjoy yourself before you get back to the books:

original article source: GoEasyMoney.com

If you’re a college or university student living on a fixed income, the opportunity to have a fun summer before the fall semester starts up doesn’t have to be an expensive affair. There are a wide variety of activities to participate in that won’t break the bank and will allow you to stay active during the long summer months! Here are some helpful budget tips and cheap ways to enjoy yourself this summer.

Visit the Beach or Pool

Most public pools and beaches are usually quite inexpensive or free to visit altogether. Get a bunch of your friends together to make a day at the beach or alongside the pool a fun group activity! For added cost effectiveness, pack a picnic lunch and your own beverages (where allowed) to save on food and drink. This is a great way to get some sun and some physical activity while spending next to nothing.

Consider Part-Time Work

Taking on a part-time job during the summer is an excellent way to stay busy and make some extra money at the same time. If you’re spending your summer on or near campus, explore job possibilities at local restaurants in the area or even part-time groundwork to make your school that much prettier when the fall semester starts back up! If you’re home for the summer, look into park district jobs or volunteer opportunities in your community.

Free and Discounted Events

As a student, there is a high likelihood that you will receive a broad spectrum of discounts for a host of activities. To save some money this summer while still getting out and enjoying yourself, explore your community events or student calendars for free or discounted activities that you can take part in. Events like farmer’s markets, summer concerts, and festivals generally offer discounts for students, as well.

Save During the School Year

Instead of buying multiple rounds at a bar or going out every weekend with your friends, consider saving that money for your summer vacation. Missing out on a few parties here and there during the school year could mean a weekend road trip or two during the summer.

Being a college student on a budget this summer can be a frugal good time while keeping your wallet full if you follow these helpful tips!

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Payday Loans 94544

Come into our Check Into Cash Hayward, CA store, where we've helped local customers with short-term financial needs since 1999. Whether you need a Payday Loan, Title Loan, or other emergency financial services, Check Into Cash can help.

 

Cash-In Credit Card Rewards

Credit card companies offer a number of perks and rewards just for using their credit products — rewards like cash back, lower gas prices, and even free airline tickets. But are these rewards too good to be true? Keep in mind that credit card companies make money by collecting interest when people spend with their cards, which is why they incentivize customers to use their cards more often.

While this is true, there are still ways you can “profit” from your card’s rewards without falling into a debt trap. Whether it’s using cash back rewards, taking advantage of new card sign-up bonuses, or redeeming rewards points, there’s money to be had from the smart use of your credit card. The most important thing to remember when using a credit card is to charge only what you can afford to pay off in full at the end of the month.

Cash Back Rewards

If you are part of a cash back rewards program, you receive a set percentage of cash back from specific purchases made using your credit card. Although credit card companies often cap how much cash you can get back in a month, it is still money that can be put to good use. Ideally, this money should be used for necessary purchases or put in an emergency fund to help you cover unexpected expenses.

Credit Card Offers

With more credit card providers on the market than ever before, companies have to be highly competitive with the rates and rewards that they offer. Shop around, and if you’re not happy with what your current provider offers you, consider asking for better perks or taking your business elsewhere.

Sign-up bonuses provide customers with credit for choosing a new company. Typically, cards require that you spend a certain amount within the first few months of having the card to receive the bonus. Those capable of controlling their spending and credit card use can sign up for more convenient services and put their expenses on the card to meet the minimum amount required to get the bonus, all provided that they can pay the balance off the next month.

Rewards Points

You can cash in on your rewards points in a number of ways. However, financial experts and savvy spenders agree that some are better than others. Usually equivalent to cents on the dollar, rewards points can be used at stores or even from your credit card provider’s catalog. But credit card holders beware — items in the rewards catalog are seldom worth spending on. Instead, always request cash back. What is your second best option? Get your rewards points turned into gift cards from stores you actually shop at or multi-purpose gift cards that you can use on planned expenses.

Getting the most out of credit cards always goes back to making timely payments in full at the end of every month. Doing so opens the door to the benefits that credit card rewards can give you as a responsible user. Cash in on rewards without going into debt!

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