TessMore Finance Blog

T he April tax deadline will be here before you know it. Since you aren’t living on this money on a day-to-day basis, this windfall can be used to better your situation.  Your tax refund can be put to good use in reaching your financial goals. Some wise ways to utilize your tax refund include building up your emergency fund, getting out of debt, or saving towards your future. Here are 10 ways to put your tax return to good use. 1. Start an Emergency Savings Fund Everyone needs an emergency fund to help them through a tough financial situation, like a job loss, car accident, or medical emergency. You need an emergency fund to create a cash cushion between you and your need for credit to solve the problem. The standard advice is to shoot for about six months of living expenses. I think that’s fair, especially if you have two incomes in the home and your jobs are fairly stable. Know your risk though and make sure your emergency fund is big enough based on your personal situation...

Hyundai motor financing would require good credit scores and clean credit history. You’ll also need to qualify for a car loan with certain terms like stable income. Let us walk you through Hyundai financing and see how hard it is. What are Hyundai Financing Options? Hyundai offers auto loans, hire lease, or purchase financing options through its Hyundai Finance segment around the world. Customers can choose from different financing options through authorized dealers, banks, or directly through Hyundai finance. Most of the auto loans offerings are usually for new vehicles. There are a few schemes that offer cash rebates and some others offer low APR from 0% to 2%. However, most of the 0% APR offers are valid for brand new vehicles only. Currently, the down payment requirements are also at a minimum of around only $2,000 – $5,000. Let us briefly discuss all three financing options on offer from Hyundai and see which one should you choose. Personal Car Loan It is a simple and co...

IKEA is a leading furniture brand. It offers a few financing options to its customers around the world. It has recently launched a new buy now, pay later financing option. It also partners with VISA and private lenders like Klarna. Let us discuss what is IKEA financing and how does it work. Does IKEA Offer Financing? IKEA offers financing options that allow its customers to use credit terms of paying 0% interest. IKEA has recently introduced a new financing option for its customers. It previously offered the same credit policy that required a minimum purchase of £300 and an installment tenure of 12 months. The financing option from IKEA is an improved version of the previous program. IKEA customers can now use the “buy now, pay later” program, third-party financing options, and the usual credit card financing options to make purchases. The new financing program offers a reduced minimum purchase condition of only £99. It also now includes third-party lending partners like Klarna ...

Apple offers different financing options to its retail, business, and educational clients. Also, it offers different third-party financing partnerships in different regions. These financing options allow customers to buy, lease, or trade-in products using these flexible financing options. Let us discuss what are Apple’s different financing options and how do they work. Does Apple Do Financing? Apple offers extensive financing options for its retail, business, and educational clients. Its financing programs come through its branded Apple card, partnering with mobile carriers, bank partnerships, and other third-party integrations. Apple also offers lucrative 0% financing options on several products. It comes with leasing and purchasing financing schemes to offer further flexibility to its customers. For individual clients, the best financing option comes with the Apple card. The Apple pay card works like any other credit card that can be used anywhere. Customers can choose to buy...

Disabled Americans face many financial hurdles, and the high cost of medical care may be the biggest. But when the disabled need to access assistance programs in order to pay for that medical care, there are often asset tests that limit the amount they are allowed to have in savings. And sometimes even the amount they are allowed to earn. This post will introduce one of those rare silver linings in disability finance. We will show how to use an ABLE account to make housing costs deductible on tax returns in the states that allow this deduction. The money saved can be ued for medical costs or any other expenses. How to Lower Your State Tax Burden by Paying Rent The primary purpose of an ABLE account is to help qualified people get around those asset tests. Money saved in an ABLE account cannot be counted against the disabled when applying for SSI, Medicaid or a number of other social programs, as long as the balance is under $100,000. In addition to the perks of sheltering your as...

There’s no denying that cryptocurrency has become increasingly popular lately. There are many different forms of cryptocurrency , including Bitcoin, Ethereum, Dogecoin and many others. So while you may hear the terms cryptocurrency and Bitcoin used interchangeably, they are actually different things. Bitcoin is just one form of cryptocurrency, and there exist other types of cryptocurrencies. Taking your pay in cryptocurrency You may have seen news about celebrities and other famous people taking their pay in cryptocurrency. Incoming New York city mayor Eric Adams announced that he would take his first paycheck in cryptocurrency . NFL stars Aaron Rodgers and Odell Beckham Jr. also took some of their salary in the form of cryptocurrency . If you’re thinking about getting paid in cryptocurrency, there are a few things that you’ll want to keep in mind. The first is that often, your employer will still pay you a salary based on US Dollars (or the local currency where you live). You’ll...

Most of the time, inflation is an economic concept without much direct relevance to the daily lives of the American public. But lately, it’s begun to impact consumer’s wallets in a very real way. If you’re starting to feel the burden of inflation, you might be looking for ways to keep your budget under control. Here are some budget friendly swaps and strategies to cut costs while you wait for inflation to level out. Research Gas Prices Gas prices have outpaced inflation, and in some parts of the country, a gallon of gas now costs more than $5 . If you’re driving to work every day or running lots of errands, you may be able to save a lot of money at the pump. Before you buy gas, use the GasBuddy app to find the cheapest gas station near you. Just make sure you’re not driving so far out of your way that you end up spending more than you save. When you do fill up, try to do it on a Monday. Studies show that’s the cheapest day of the week to buy gas. Some grocery stores also offer d...

Despite the name, neobanks have nothing to do with the Matrix, and Keanu Reeves won’t be showing up the next time you want to make a deposit. Rather, neobanks are technology companies that provide online banking services that you can access from your digital devices. Neobanks, commonly referred to as “challenger banks,” aim at providing essential financial services, such as savings and checking accounts , with an end goal of making personal finance a bit less intimidating and a whole lot more transparent than traditional banks. These new fintech (financial technology) services are attempting to disrupt the banking industry by providing easier access to your financials via digital banking services, while also typically offering attractive features, including lower (or non-existent) banking fees and more competitive rates. Keep on reading to learn more about how neobanks are re-shaping the banking landscape, and if they might be the right fit for your financial needs. But first, let’s...

Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners . You really try to be responsible with your money. But, no matter what you do, your credit score never seems to make it over that 700 hump. Yup — you’ve got some algorithm spitting out a three-digit number that’s basically controlling your entire life. We get it: It’s frustrating. Don’t give up just yet, though! These six moves just might be the kickstart you need to finally get your credit score moving in the right direction. Best of all? You can do all these things by the end of this week. 1. Write a Love Letter …to your creditors. If you generally have a pretty solid credit history, save for a few missteps, then sending a well-executed goodwill letter to those you owe could help get you back in good graces with them and improve your credit score. You’ll want your letter to cover the following base...

Consumers have a lot of opportunities to claim some compensation in March thanks to a number of class action settlements. Companies such as Apple, Kroger, Zoom, Forever 21, and more have agreed to settlements with claim deadlines next month. Read on to find out if you qualify. The March deadlines for filing claims in these settlements are fast approaching, so read on to find out if you qualify. This month, there are more claim deadlines than usual in the first week. TikTok Data Privacy $92M Class Action Settlement U.S. TikTok users may qualify to claim part of a $92 million class action settlement. The Class is made up of anyone living in the United States who used the TikTok app before Oct. 1, 2021. There is also an Illinois Subclass, made up of Illinois residents who used the app before that date. The class action lawsuit accused TikTok and related defendants of using and collecting users’ personal data without proper notice or consent. The claim form deadline is March 1, 2022...