TessMore Finance Blog

The appeal of a subscription box is obvious: A little gift delivered to your door each month. Better yet, the specifics of the contents are a surprise. Sort of like a birthday present. But like any commercial gimmick, monthly subscription boxes have their pros and their cons. Beauty boxes like Birchbox want to keep you invested, so the monthly plans lessen in price from $15 to $13 depending on how long you sign up for. That’s nice, but sometimes the introductory price has nowhere to go but up. We want to take the temptation out of signing on to the wrong subscription box by empowering you with the right questions to ask yourself. Some subscription boxes are worth the financial obligations, and everything is a self-calculation. But with these green and red flags in mind, you’ll know what to look for the next time a subscription box ad comes knocking in your inbox and the next time you click yes. 5 Green Flags About Subscription Boxes These are the green flags to look for when eva...

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 . CEOs know money. That’s why they make so much of it. Every company’s CEO keeps an eagle eye on one number — the bottom line. Add up your revenue, subtract your expenses, and you’ve got your bottom line. Ultimately, it’s the only number that matters. So many of us get a little sloppy about the bottom line. We earn what we earn, and we spend a little too much, and before you know it, we’re in debt. Deep in debt. But that CEO in the corner office who pulls in $15 million a year? That person is laser-focused on the bottom line. Obsessed with it. Always looking for ways to improve it. Here are six ways you can improve your bottom line — just like a CEO: 1. Stop Paying Your Credit Card Company Credit card debt will put a hurting on your bottom line like nothing else. And the truth is, your credit card company...

Cruising is back. And, after two years of being stuck on land, many vacationers may be ready to get out of the house and onto the ocean. As more cruise lines lift COVID-related restrictions, they are opening up their cruise ships to more people. In late February, Royal Caribbean , Carnival and Norwegian cruise lines announced they would be making masks optional (or “recommended” but not required) indoors for vaccinated guests. And good news: You can find affordable options on most cruise lines, especially right now as the industry attempts to lure customers back. 17 Money-Saving Cruise Tips Here are some of the tried and true ways to save money on a cruise vacation. 1. Book Early Many cruise lines, like Royal Caribbean, offer their best prices when they first release their itineraries. Over time, as more cabins get filled, that cruise’s fare increases. For most lines, you can book up to 18 months in advance. Plus they often throw in special perks for early bookers — like beve...

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 . When it comes to savings accounts, where do you even begin? Do a quick search, and you’ll find many savings accounts with different options with varying percentages, monthly fees and minimum requirements. Not to mention the many types of financial institutions themselves — online-only, banks and credit unions — and it can get overwhelming fast. Keeping this in mind, we’ve rounded up the best savings accounts — including ones at online banks and traditional brick and mortar — of 2022. We’ve included top information you need to know before opening or switching an account. And before we move on, yes , we recommend that Penny Hoarders have a savings account — keeping your cash in a box under your bed is not a solid, or safe, financial plan. We want you to feel empowered so you can get the best p...