TessMore Finance Blog

As cable subscription prices rise higher and higher and customer satisfaction ratings dive lower and lower, cutting the cable has never been more popular. Sure, there are the usual big names in streaming services available for a monthly fee, but it’s possible to kick subscription fees entirely. Luckily, there are more options than ever for replacing your traditional cable setup. Many free streaming services have stepped up to offer access to content overlooked by subscription-based services. And you aren’t confined to squinting at your phone’s screen or gathering the family around the old iPad to watch your favorite TV series and movies — you can download apps to your Smart TV or even your Xbox or PlayStation consoles. Of course, there are some rather shady options out there that stream pirated content. But we’ve rounded up free, legal streaming apps that provide no-strings-attached cable-cutting solutions. 13 Free TV Apps That Will Help You Cut Cable With so many free streaming

A major retailer recently announced 7,000 fully remote positions ahead of the holiday season — and with a $15 minimum starting pay. Williams-Sonoma — owner of Pottery Barn, West Elm and its flagship brand stores — is looking to fill 7,000 seasonal work-from-home customer service positions between now and the end of November. Customer service agents will be trained to take calls and assist customers with placing orders, facilitating returns, locating products and scheduling deliveries. Other job duties include addressing customer questions and concerns, providing product information and checking inventory. What You’ll Need to Land One of These Work-from-Home Jobs Williams-Sonoma is looking for candidates with a high school diploma and one to two years of customer service experience. Even though these jobs are fully remote, they’re not available everywhere. You must live in one of the following 12 states to apply: Alabama, Arizona, Georgia, Florida, Idaho, Nevada, North Carolina, O

A little stress is a good thing. It keeps us on our toes, challenges us to improve and can even lead to healthier brain function. A life without any stress at all would be pretty boring. But when it comes to money, most people are dealing with more than just a little bit of stress. On this end of the spectrum, the upsides of stress are replaced with even more downsides – poor sleep, increased anxiety, decreased immunity and more. Just about everyone could benefit from stressing less about money. That might be easier said than done, but there are some tried and true strategies we can recommend. Here are some of our favorites. Adjust Your Withholding Emily Guy Birken , author of “End Financial Stress Now,” said one of the fastest ways to add more money in your budget is to adjust your tax withholding at work. If you’re used to getting a large tax refund, you can change your tax withholding status to make your regular paycheck larger. Talk to your HR department about how to change yo

Today, as we recognize National Coming Out Day to give visibility and support to the LGBTQ community, we want to highlight a challenge we don’t talk about enough when we talk about LGBTQ issues: It costs more to be queer.  Pay and wealth gaps affect every marginalized community in our country. You’ve probably heard about the gender pay gap that affects women in the workplace, but we hear a lot less about the barriers LGBTQ people face to building wealth. Daylight , a queer-friendly banking platform, is designed to help topple some of those barriers. But it’s going to take much broader awareness and effort from the LGBTQ community and its allies to address these systemic financial issues. Here are five common financial challenges LGBTQ folks face and how to address them in your life or support the people around you. 1. Lack of financial support After graduating college with record student loan debt and entering a shaky job market, millennials have relied heavily on financial hel

Publix, a Florida-based grocery chain with more than 1,280 stores across seven Southeast states, is looking to add 30,000 employees by the end of 2021. The popular supermarket chain says its fourth-quarter hiring spree includes positions at its stores, distribution centers and manufacturing facilities. The company didn’t specify the starting pay or salary range for new positions. A search on the company’s career portal, jobs.publix.com , listed an Orlando warehouse select position — which involves pulling products for stores — with a base pay of $20.80 to $30 an hour. Many companies are attempting to bolster their workforce ahead of the holidays, but Publix is among a growing trend of businesses hiring mostly permanent, nonseasonal employees this year. Major retailers like Amazon and Walmart also recently announced hundreds of thousands of new nonseasonal roles for those interested in a gig that could last into 2022 and beyond. “As we continue to grow, having a dedicated team ready

Quick Navigation 31 Cheap Halloween Decoration Ideas Scary Halloween Decorations Kid-Friendly Halloween Decorations Funny Halloween Decorations Dollar Store Halloween Decorations Kids Craft Halloween Decorations Halloween Decor to Compete With the Neighbors After a more subdued Halloween in 2020, Americans are ready to get out and frighten their neighbors again in 2021. According to the National Retail Federation, Americans are expected to spend more than $10 billion this year on Halloween-related items. That’s $2 billion more than in 2020, and an all-time high for Halloween sales. Too often, super popular means super expensive. A quick browse of Home Depot’s website shows you can find Halloween inflatables anywhere from a reasonable $15 to a whopping $213. If you really want to go all out for Halloween, you can go all out. But we believe you can find cheap Halloween decorations that allow you to get your spook on without terrorizing your budget. So whether you want to

A few weeks ago, our older kids started their first day of school. While we’ve seen the news stories of how challenging school has been in other states, I hope that our county’s high vaccination rate (the high 80s), and our children’s ages (more likely to maintain distance and also keep their masks on), will work in our favor. So far, we’ve been lucky. Very lucky. Their return to school also gave me the chance to be a bit reflective about how we’ve navigated the pandemic. It’s far from over, but I feel we’ve perhaps gotten over the crescendo and a little analysis is fair. As the old riddle goes, you can only walk halfway into a forest. I hope that we’ve reached that point, and it’s time for some reflection on the way out. With that in mind, here are eight pandemic money lessons I’ve learned during the past 18 months. Table of Contents 1. Automation was crucial 2. Remember local charities need help too 3. Keep your world small 4. Keep your world simple too 6. Watch what you

Definition of Accounts Receivable Turnover Accounts Receivable Turnover can be defined as the number of times on a yearly basis that a company collects its accounts receivables. This metric is used to measure the extent to which companies collect periods from their customers. Receivable Turnover is an accounting measure that is used to gauge the overall effectiveness of the company when it comes to collecting its accounts receivables, or money that is owed by customers or clients of the business. Therefore, this ratio is directed towards measuring how well an organization uses and manages credit that is given to customers and how quickly short-term debt is collected or paid by the company. Generally speaking, firms that have a better collection policy will have higher accounts receivable turnover ratios. Therefore, Accounts Receivable Turnover can be described as a metric that helps companies to devise their credit policies, in line with the type of industry, and their own liquidit

Normally “cheap” isn’t a word we like to hear about the construction of our homes. But as Penny Hoarders, we know there are ways to build a house and save money at the same time. And with the real estate market going crazy for existing houses, now might be the time to consider building your own house instead of buying. You may think you’ve picked up lots of tips from all those trendy home building and remodeling shows on TV. Lots of ideas, too. But remember, each extra idea costs money. Think for a bit — do you really need a pot filler for your kitchen or reclaimed hardwood floors in every room? Let’s look at how you can use planning and a little know-how to find the cheapest way to build a house and still get what you want. Have an Overall Home-Building Plan A plan and a budget are not the same thing, but a plan includes a budget, and much more. That’s where to start the home building process. Be honest with yourself during this stage, says architect Donald Ruthroff, principal o