The concepts affiliated with math, money, and anything related have always been a challenge for me. But ignorance is not always bliss. As an independent contractor, I have to be diligent about my time, my revenue, and my expenses. This often leads to worrying about managing bill payments.
You probably are familiar with this as well. There are household bills, medical bills, car insurance, child expenses, and your own personal spending. Fortunately, there are user-friendly tools that can help you manage it all to reach your financial goals. Yes, goals–not just living paycheck to paycheck.
Enter your income and spending data into interactive fields on Calculator.me, and watch as it calculates your expenses and savings. For a mathematically challenged person like myself, this free website tool produces professional results from elementary input. Because of COVID-19 lockdowns, layoffs, and limits, many people are doing things differently. This includes starting a home business, making major life changes, and traveling again.
Right now, the housing market is experiencing supreme attention from buyers and sellers. With stimulus and unemployment deposits in their accounts, many motivated buyers are more than willing to dole out their new money. That activity is churning out sellers who are now ready to downsize, upgrade, or relocate. Buyers and sellers alike should plan more than ever. Interest rates, taxes, and fees add up quickly. This interactive calculator helps you calculate loan amortization for mortgages, vehicles, and more.
I started banking with Chime about two years ago. You may have seen their commercials or read about them online. I was initially drawn to Chime because it promotes getting paid up to 2 days early via direct deposit. As a self-employed writer, I receive payments from various sources and the early pay is perfect for me.
In addition to my checking account, I have a savings account with Chime. The interest-earning savings account has a feature that automatically rounds up my debit transactions to deposit the difference. Additionally, I have increased my credit score with Chime’s Credit Builder Card. Even when I have a zero balance on the card, it is reported as a positive account to the credit bureaus. And the best thing about Chime…no fees! There are no maintenance fees, overdraft fees, interest fees, or service charges.
Use my referral link to earn $75 when you join Chime and receive a qualifying direct deposit of $200 or more within the first 45 days of enrolling.
I hope you found my personal amateur advice helpful.