TessMore Finance Blog

The continued growth of businesses has led to more employers asking workers to take on night shifts normally only seen in fields like the medical or security industry. Although often associated with enticing wages , what impact do these shifts have on employee health? Continue reading to learn about the risks associated with working night shifts, and tips for how you can prioritize your mental and physical well-being if you’re working untraditional hours. Risks of Working the Night Shift Our bodies have a circadian rhythm that signals us when to be active and when to be restful throughout the day. Think of this as our natural alarm clock — it dictates to our brains the approximate time to get up for the day and lie down for a good night’s rest. This schedule goes further by helping us regulate our digestive system, body temperature, and heart rate. Night shifts pose health risks by disrupting the body’s circadian system, and going against its natural sleep patterns. Without proper 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 . Bills, bills, bills. They never seem to end, do they? They take more and more out of your account each month before you even realize it. You can’t escape them entirely (wouldn’t that be great?), but you can stop them from being so darn painful every month. All it takes is ending your loyalty to a few companies you currently use for bills and fees that come every month. Trust us, they won’t miss you. And you definitely won’t miss them — especially when you realize how much money you’ve been needlessly throwing away every month. 1. Your Credit Card Bill: Let This Company Pay it Off If you’re reading this, there’s a 50% chance you have credit card debt — nearly half of U.S. adults do. And if you don’t pay it off every month, you’re draining your bank account with unnecessary — and terribly high — interest p

Your mother, your financial advisor, your best friend and the lady you sit next to on your daily bus commute have all said pretty much the same thing every time they see you with a Starbucks cup in your hand. “You know. You could save so much money if you quit buying that expensive coffee.” And if they don’t say it, they imply it with that judgmental look. Well, maybe you can have your coffee and save money, too. Besides, Starbucks isn’t only about the coffee, or a million other variations on coffee. It’s a place to meet friends, a place to be alone but not feel alone, a destination for a walk, a workplace, a place to not drink alcohol and a place to celebrate or commiserate. 13 Ways to Save Money at Starbucks Clearly cutting Starbucks out of your life isn’t always as easy as just switching to home brewed coffee. So, here are 13 lucky ways to save money at Starbucks so you can keep it in your life. 1. Join Starbucks Rewards Join Starbucks Rewards to start getting free drinks. Yo

Americans love their pets. Whether it’s dogs and cats or parakeets and fish, we can’t get enough of our furry and gilled friends. In fact, two-thirds of Americans in 2020 were pet owners, according to the Insurance Information Institute . And in a recent survey by Pumpkin , 82% of dog parents “drastically underestimated” their dog’s lifetime care. Two-thirds of dog owners expected to spend less than $8,000 on vet care over the course of the dog’s life. The actual cost? Closer to $16,000! Pets can be expensive, sure. But that doesn’t mean you can’t get a little creative and cut some costs whenever possible. We’ll help get you started. 21 Ways to Save Money on Pet Care 1. Buy Smaller Pets If you haven’t yet chosen a pet, consider smaller ones. A small dog will cost you $295 less per year than a large one ($580 versus $875), according to estimates from the ASPCA data on pet care costs that are probably higher now. That’s even less than a cat ($670 per year), partly because of the

When you have debts everywhere you turn, it can feel like you’re completely swamped. Your hands  are tied every payday as you funnel money into paying off debts, leaving you with no room to save.   That’s why a lot of people turn to debt consolidation, which is  when you use a loan to pay off all of your debt — and it can  seem  like a godsend. But wait, how is ANOTHER debt supposed to help? Of course, you’re right to be suspicious. The thing is, it  can  help but only if you do it right. Do it wrong and you’ll be kicking yourself from a position worse than you’re in now.  So, should I consolidate my debt? Debt consolidation  can  work as a way to  pay off debt faster . However, if you’re not disciplined and look for help in the wrong places, you’ll end up spending MORE time paying off your debt. Let’s take a look at what debt consolidation is, how to consolidate debt, the pros and cons, where to find a reputable organization to help you, and ways you can get out of debt fast.

If you’ve ever been in a serious car accident, it can be a very scary and disorienting experience. What happens next, especially if your car is totaled or if you’ve suffered any personal injury, can be a scary process to navigate. You’ll be thrust into a negotiation with a professional negotiator at the car insurance company and expected to be able to hold your own – it’s an impossible task. The problem is that you’re negotiating from a difficult position. If you’re hurt, you need money to pay medical bills and ordinary expenses. If your car is damaged, it needs to be fixed. If it’s totaled, you need a new car. All of these things have an urgency that puts you in a difficult position. The challenge is that you won’t find an insurance company paying an advance on a claim before it’s been settled. That means you’re expected to negotiate while all these other problems are hanging over your head. It’s unfair! This is why there are companies who will give you a car accident “loan” as a

Tether is one of the most popular cryptocurrencies, in large part because it’s a stablecoin . That means it’s tied to the value of a specific global currency, like the US dollar, making it more stable than other cryptocurrencies that can fluctuate wildly in value. Plus the stable value makes it easy to exchange into USD or one of the many cryptocurrencies. But do you know how to buy Tether? And if so, do you know where to buy Tether? Table of Contents What is Tether? How to Buy Tether Choose a Crypto Exchange Select a Digital Wallet  Fund Your Account Executing Trades Where to Buy Tether Coinbase Kraken BlockFi Binance.US Crypto.com Bottom Line What is Tether? As mentioned above, Tether is a stablecoin. Its value is tied to the US dollar, which means one Tether will always be equal to $1. It’s for this reason tether is abbreviated as “USDT” (probably denoting “US dollar Tether). It’s one of several stablecoins offered in the cryptocurrency universe, and one