TessMore Finance Blog

If you’re looking for a top-notch budgeting app, PocketSmith deserves a closer look. While it lacks some of the fancy add-ons of some other budgeting apps, like investment management tools, it’s got everything you need on the budgeting side. In this PocketSmith review, we’ll cover the key features, plans and pricing, and pros and cons. We’ll even share a few PocketSmith alternatives. Table of Contents What Is PocketSmith? PocketSmith Features Dashboards Live Bank Feeds Multi-Currency Capability Budget Forecasting  Budget Calendar  What-If Scenarios  Net Worth Tracking Advisor Access How PocketSmith Works A “Killer” Search Engine  PocketSmith Mobile App  PocketSmith Desktop App PocketSmith Security  Customer Support  No Advertisements PocketSmith Pricing & Fees Free Foundation Flourish Fortune How to Sign Up with PocketSmith PocketSmith Pros and Cons Pros: Cons: Alternatives to PocketSmith Lunch Money T...

Prepaid phone plans offer cost-effective and contract-free coverage, making them a great money-saving option. However, it’s important to note that while these plans are affordable, you may need to compromise on coverage quality and other benefits. Mint Mobile offers prepaid plans with unlimited talk and text, 5G data speeds, and free mobile hotspots starting at $15 per month. A Mint Mobile unlimited data plan can be as low as $30 per month, half the price of many competing carriers. Our Mint Mobile review looks at how much you can save, the phone plan benefits, and the potential downsides of this prepaid carrier. Table of Contents What Is Mint Mobile? Mint Mobile Plans Unlimited Data Plan Family Plans Mint55+ Seven-Day Money Back Guarantee Mint Mobile Phones Best Mint Mobile Features 5G Data Speeds Unlimited Talk and Text Free Calls to Canada and Mexico International Roaming Free Mobile Hotspot eSIM Activation Bring Your Device Port Your Number Pros and...

Compounding is one of the hardest concepts to understand. Human beings are not good at visualizing it because it's extremely difficult to visualize logarithmic growth. A penny doubling every day for 30 days becomes more than $5.3 million. That seems impossible. This is one reason why so few people invest their money in the stock market. We think it's gambling because it's impossible to predict where the market will go in the short term. We also fail to recognize that the market goes up and the right in the long term. Both can be, and are, true. This chart from Ben Carlson's A Wealth of Common Sense blog highlights this beautifully: We are essentially the house in a game of blackjack. The odds are in our favor so we are more likely to win the longer we play the game. Time in the market trumps all else. To convince ourselves to make the right decision, we have to simplify it. We have to make it an easy to understand tradeoff. If you invest $100 today and it comp...

Some companies allow their employees to buy company stock through something known as an Employee Stock Purchase Plan, or ESPP. Employee stock purchase plans can generate gains for employees when sold, as they are purchased at a discount. If you have an opportunity to join an ESPP, it’s one way to increase your overall compensation from your job. In this article, we’ll explain how ESPPs work and explain why you should participate in an ESPP if you can afford to cover the temporary loss of income. Table of Contents What Is an Employee Stock Purchase Plan (ESPP)? How Does an ESPP Work? Qualified vs. Non-qualified ESPPs The Tax Implications of an ESPP Capital Gains Tax on Qualified vs. Non-qualified Plans Tax Treatment of Capital Losses  FAQs Bottom Line: Should You Participate in an ESPP? What Is an Employee Stock Purchase Plan (ESPP)? An ESPP is a benefit program some employers offer to their employees that enables them to purchase stock in the company. The employer ...

According to Zola’s wedding planner guide , the average wedding in 2023 cost couples $29,000. If you live in higher cost-of-living cities such as New York or DC, you can expect that price to hover closer to $45,000.  But the good news is that there are still ways to plan a budget-friendly wedding. We’ve come up with over 70 wedding ideas to help you plan your dream wedding while keeping your financial health intact. Table of Contents Wedding Ideas to Help You Stay Within Your Budget 1. Focus on Planning a Beautiful And Affordable Wedding 2. Create a Budget and Stick With It 3. Know Where The Money Is Coming From 4. Scale Down 5. Choose Your Guest List Wisely 6. Set Your Wedding Date In The “Off-Season” 7. Get Married On A Friday Or A Sunday 8. Choose The Right Photographer 9. Make Your Own Wedding Invites 10. Create Your Own Wedding Programs 11. Stick with a Small Wedding Party 12. Get a New Rewards Card 13. Have a Friend or Family Member Officiate 14. Skip...