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Editor’s Note: This story was originally Penny Horder.
Even if they don’t like lying, they may use the little white breed as a tool to protect others when the truth does more harm than good.
Once you get into the habit of lying, especially lying to yourself, it becomes a serious problem. But some of us always do when it comes to finances.
We tend to deceive ourselves when there is a gap between our financial situation and where we want to be. So we tell ourselves these common lies…
Lie #1: Your Debt Is Under Control
Credit cards don’t always pay the minimum amount. But if you’re honest with yourself, these occasional installments won’t actually lower your average balance.
Honestly, if you’re like most of us, you’re treading water.
And the truth is, your credit card company really doesn’t care.But a website called Amwan I want to help
If you owe $50,000 or less to your credit card company, AmOne offers low-interest loans that you can use to pay off your entire balance.
profit? You are left with one bill each month. And because personal loans have low interest rates (AmOne rates start at 2.49% p.a.), you can get out of debt much faster. Plus: No credit card payments this month.
You don’t need a perfect credit score to get a loan. Comparing options has no effect on the score. In addition, AmOne keeps your information confidential and secure. This is probably why we have an A+ rating from the Better Business Bureau after 20 years in business.
Answer just 10 questions and find out which loans are available in less than a minute. You don’t even have to enter your social security number. He’ll need to provide AmOne with a real phone number to qualify, but don’t worry.
Lie #2: You’re Loosening Your Budget in Your Head, That’s Enough
An essential part of managing your money is creating a budget. yeah gross. we know But it’s important to consider what you’re spending and where you can cut back.
Not sure where to start? 50/20/30 budgeting method for its simplicity. Here’s how it works:
- 50% of income will be used for basic necessities.
- 20% will be used for financial goals.
- 30% goes to personal expenses.
The key is to accept that you can’t create a perfect budget in one hour. You’ll have to experiment to find what works best for you.
Lie #3: You have enough credit
you have big plans. Maybe you have your eye on a new car. Or you want to buy a home in the next few years. Or you want to start your own business. But here’s the problem. Whatever your goals may be, you may not realize that your credit score is getting in your way.
Good news?a free website called credit sesame makes it easy to keep your credit score on track to reach your goals. We also spoke to James Cooper of Atlanta, where he increased his credit score by nearly 300 points in six months using Credit Sesame. He says they told him exactly what to do – he even managed to open his first credit card.
What does adding 300 points to your score mean for your goals? You can easily save thousands of dollars over the life of your car loan or mortgage.
In less than 90 seconds, Credit Sesame gives you access to your credit score, debt accounts, and personal tips to improve your score. You can also find the blocking error (1 in 5 reports).
Lie #4: You Make Enough Money to Justify Your Spending Habits
Maybe you spent a little too much last month. But that’s fine. It deserved a little treat, right? On top of that, I have a stable income. It all comes out in the wash.
Gut Check: You may not be earning enough to support your lifestyle. Here’s a solution we like: Earn extra money by sharing your opinion online.
It may sound strange, but brands want to hear your opinion. They’re happy to pay you — up to $140 per month, because it helps them make business decisions.
free site called brand survey will pay you up to $5 per survey for sharing your thoughts with Brand Partners. Earn up to $140 every month by completing 3 quick surveys a day.
It only takes a minute to create a free account and start receiving rewards for speaking your thoughts. Most surveys take 5-15 minutes, but you can check how long it will take in advance.
Also, you don’t need to save a lot of money to cash out. Once you’ve won $5, you can cash out via PayPal, bank account, gift card, or Amazon. Simply share your opinion and we will pay you within 48 hours of your payment being processed.
Since 2012, we have already paid over $20 million to our users, and our most active users can earn hundreds of dollars a month. Plus, it’s rated ‘excellent’ on Trustpilot.
It only takes a minute to set up your account and start receiving rewards for your surveys. Plus, now you can get a free 100 points welcome bonus just for joining our community.
Lie #5: Don’t waste so much time on the phone
Our smartphones are the best time killers in the world. Browse Facebook, Twitter, TikTok, or Instagram. Watch the video on YouTube. Play Minecraft and Roblox.
Oh, and there’s bingo.I found a free iPhone app called bingo cash This means you can play for real money. You can receive up to $83 for each win.
You may be thinking: there must be some pitfalls. This is definitely one of those spammy apps, right?
But it doesn’t really matter. Sure, you can pay to enter some high stakes tournaments, but there’s no pressure. In fact, there aren’t even any intrusive ads.
The game is based on the classic bingo format. Fight against other players of the same skill level. Everyone receives the same board and sees the same bingo balls. The top 3 players in the game can win real money from $1 to $83.
Rated 4.7 stars out of 5 on the App Store.
Lie 6: I can’t reduce my bill any more
Here’s the thing: Your current auto insurance company is probably overcharging you.
use A website called EverQuote Show all options at once.
EverQuote is the largest online insurance marketplace in the United States, so you can get the best options from over 175 different insurers.
Answer a few questions about yourself and your driving record. Using this information, EverQuote can provide you with the best auto insurance recommendations. In just minutes, you can save up to $610 annually.
Lie 7: I Don’t Have Time for a $300 Monthly Side Job
If you’re like us, your garage is probably doing nothing right now. There may be some tools in there, or it may be home to a box full of dust.
but, Neighboran empty room, an empty garage, a parking space, etc., can generate an additional $300 a month in purely passive income.
Neighbors work by connecting people who need storage space with hosts who have free space. The average host earns about $300 a month, but some earn up to $50,000 a year just by allowing them to park on site.
It takes less than 10 minutes to get started. Simply answer a few questions about your room, take photos, and set your desired price. Neighbors will recommend amounts based on your location and rental type, but the final list is up to you.
Neighbor offers up to $1 million in protection for free as a host and a protection plan for renters, giving both parties peace of mind.
Neighbors are a passive source of income, easier than most side jobs. Listing Spaces is free and is risk-free as we only charge a processing fee of his 4.9% of your monthly earnings.