The Wallet Secrets

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The Ultimate Guide to Complete a No-Buy Year Successfully

Right after things opened up after the pandemic, so many of us got caught up in the cycle of consumerism. Spending habits skyrocketed as there were more and more social opportunities to spend money. With inflation being at its highest at the moment, a no-buy year could be a great way to save money to recover from all the overspending of 2021. A no-buy year for 2022 can be the answer to having a safety net for the upcoming recession. A No-Buy year is about choosing to use only what you currently have and refrain from making any purchases for the full year. You only spend money on basic requirements like food and essentials for personal hygiene.

7 Signs of a Recession People Fail to Observe

The pandemic seems to be coming to an end and we are heading straight for a recession. How do you know if we are in a recession? Officially the indicators of a recession are declining GDP, the decline in real income, the decline in employment, the decline in production, etc. However, what we are going to talk about today are signs of a recession that you see on a daily basis around you. Some of these signs of recession are fun, quirky ones that you might not have noticed before like lipsticks, skirts, cardboard boxes, and soaring skyscrapers. These are things that you will surely start noticing after you read about them.

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5 Money habits you need to perfect in your twenties

lot going on during the 20s with so many things fighting for your attention and money. Live it up by all means, but do so responsibly while focusing on building good money habits. Here is a list of core money habits that you should strive to perfect in your twenties for the smooth maintenance of wealth in the future.

Master the Art of Corporate Interview Rules: Insider Tips and Tricks

Interviews are nerve-wracking! But, they don’t have to be, especially if you can change your perspective of what corporate interviews are supposed to be for and what are some winning strategies to always succeed in them. That’s exactly what we are going to discuss today. There are some unspoken rules of corporate interviews that are not discussed often enough. These are helpful interview rules many interviewees aren’t even aware of. I landed my dream job using some of these interview rules just a year ago. I have also hired some excellent candidates for my tutoring company. Having been on both sides of the table, here’s everything that goes unspoken during corporate interviews, but shouldn’t.

10 Unique New Year Resolutions You Never Thought Of

Why do we make new year resolutions? Mainly, it is to push ourselves to the limits that we know we are capable of reaching. These are the new resolutions that you will be very motivated and excited to make and carry out. Other new year resolutions come from your curiosity about your abilities and interests. These resolutions are born from your need to explore new interests and capabilities that you never knew you had. The list I have curated here is a balanced melody of both.

8 Things You Should Never Do In a Recession

The decisions made by people during economic downturns can haunt them or reward them for decades to come. The decisions you make during a recession are a lot more important than your decisions during a booming economy. During an economic downturn, especially during an outright recession, it is essential to avoid undue risks that could hurt your financial goals. During a recession, the probability of loan defaults, business failures, and bankruptcies increases drastically. There are some financial habits that will ensure you never find yourself in a bad financial situation. Just as importantly, there are decisions that you MUST AVOID at all costs during a recession.

7 Expenses You Didn’t Know Are Negotiable

There are so many everyday expenses that we are conditioned to think cost what they cost. However, many of these expenses are negotiable. You shouldn’t consider it to be optional to negotiate these expenses considering how easy some of these negotiations can be. Negotiations don’t come easy to most people; they are uncomfortable. Many people, especially women, miss out on countless opportunities because they do not negotiate. Many times, people don’t even know that negotiating is an option. The education about these expenses being negotiable is especially kept from those coming from less affluent households. Let’s get started on what everyday expenses are negotiable and the best strategies for you to negotiate each of these expenses.

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9 Unique Ways to Graduate College Debt-Free

As of 2022, Americans owe more in college debt than ever before. There are 44.7 million people with outstanding student loan debt amounting to $1.71 trillion. However, many people don’t even explore ways to graduate college debt-free. When you graduate with college debt, it results in 3-4 years of a setback in achieving financial freedom. Each month, a chunk of your paycheck will go to paying off student loans; this money could be invested instead if you graduate college debt-free. If you graduate college debt-free, you get to start fresh and have the freedom to start planning your path to financial freedom right away after college.

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