TessMore Finance Blog

Did you know that the average net worth by age 65 in America is roughly $1,216,000 ? Did that number just make you gasp? If so, you may be relieved to hear that knowing how to build wealth requires a relatively simple strategy: earning money, saving money, and investing money. In fact, history shows that you can completely change your financial future at any age — like one 38-year-old investor who went from $150,000 in debt to a net worth of $370,000. Even better? She plans to retire in seven years. So what is wealth , exactly? Wealth is the sum of all financial assets minus the sum of all your debts (also known as net worth). Ideally, this number remains positive at the end of the equation, but it can be negative, and that’s still okay. While many often wonder how to become rich quickly, building wealth is a long game. It’s about leveraging available tools (and exploring some lesser-known strategies) so that you can make the most of your income — no matter if you’ve just started

Do you ever find yourself falling a few dollars short just before payday? While there are steps you can take to create a plan for your money or increase your cash flow ; sometimes you just need a temporary boost. That’s where Get Paid Early apps can help. They let you access your paycheck a couple of days in advance and offer other features to make managing your day-to-day finances easier. In this article, I’ll cover ten apps that let you get your paycheck early and share some of the many other features they offer. Most importantly, I’ll tell you how much each app will set you back every month. Ready? Let’s get started! Table of Contents What Are Get Paid Early Apps? 10 Get Paid Early Apps that Let You Get Your Paycheck Early Albert  Current Empower Brigit Aspiration Chime MoneyLion Dave Axos Bank Fifth Third Bank Final Thoughts on Getting Paid Early What Are Get Paid Early Apps? The primary benefit of get paid early apps is accessing your paycheck up to two d

It’s no secret that I’m a big fan of credit card rewards and credit card bonuses. Where else can you get hundreds of dollars to do exactly what you’ve been doing for ages? Just change the card you swipe, tap, or insert and now you get hundreds of dollars in points or cash. Easy. I still remember one of the first credit cards I got – it was a store credit card to Express. I haven’t been to a mall in ages and if you’re the same, you might not remember the men’s clothing store that was once part of Limited Brands. Like many store branded credit cards , they offered 10% off your purchase when you opened the card. As a silly college kid, 10% off my eighty-something dollar purchase seemed like a good deal! Silly me. Older Jim cringes at the though of an $8 bonus. And you should too. If you have a good credit score , you should be getting a bonus of at least $100 for each card. I’d take it a step further – you should get at least $200 for each card (with an exception if the spending r

It’s fun to give gifts to those you love. But let’s face it, we all have those people in our lives that seem to have everything. So what do you get for someone who doesn’t seem to need anything? In this post, I’m sharing unique gift ideas that will be a hit for anyone on your list. Some items are fun and affordable, others are more expensive, so feel free to choose the gifts that fit your budget and that special person in your life. There’s something here for everyone, no matter what their age is or interests are. Table of Contents Unique Gift Ideas for Someone Who Has Everything 1. A Home Cleaning Service 2. Virtual Assistant Services 3. Babysitting Services 4. An Experience Gift 5. An Annual Parks Pass 6. A Gift Certificate for a Massage 7. A Weighted Blanket 8. An Acupressure Mat Set 9. A Pocket Blanket 10. A Dog Care Kit 11. Bath Salts 12. Memberships/Subscriptions 13. A Night Out 14. Photography Session 15. Meal Kit Delivery Service 16. Travel Accommodations

There are many reasons to want to start your own business. Many workers don’t feel valued, and not just monetarily, by their employers. Then there’s the allure of freedom, freedom of time and money, no one to answer to. That’s attractive. But it’s more than the yearning for freedom or change that determines if you are ready to start your own business. The idea of freedom — freedom of time, freedom of money, freedom to create the way you want to create — can be a siren song. All this freedom and no boss to answer to, no one to answer to. But it’s not that simple. There are still people to answer to. It’s a shift to being responsible on a different level. Instead of being responsible to a boss, an entrepreneur is responsible to their customers. Alternatively of being responsible to show up on time, an entrepreneur is responsible for getting the work done on time. Instead of being responsible in exchange for a paycheck, an entrepreneur is responsible for everything. In exchange, the