Banking

Does Your Small Business Need a Blog? Blog Writing Services Can Help

If you have a business, the next step to taking it further is to build and grow a connection with your customers. Simply providing a service or product is no longer enough. In a world that is always moving and full of change, people crave meaningful interactions. And that need extends to the products and services they use. Customers want to be surrounded by things they can identify with. If a business with great products or services is also able to provide some kind of added value for someone, that person is more likely to become a loyal patron. 

As a business owner, providing that added value can feel like a huge task. This is where the value of blog writing services can really shine. Not only can these services create more connections between you and your customers, but they can also make your life easier through a smoother workflow. Here are some questions you can ask yourself to get started.

What are my goals?

Ultimately, you probably hope to increase your sales. However, modern consumers expect personal connections. Set a goal for providing helpful facts that engage new readers. Establish a goal regarding how many new readers left comments on your blog. Consumers are more likely to complete sales when they feel that you hope to improve their lives. 

Do I even need a blog?

Yes. According to studies conducted by the Pew Research Center, people regularly turn to blogs and internet articles instead of using their televisions for news and information.

How can I connect with customers?

A blog allows businesses to connect with customers in many ways. Blogs provide answers to consumers' questions. They make your brand seem approachable and friendly. Blogs encourage readers to interact with your company and maintain meaningful connections. In addition to providing a blog, reach out through social media to invite readers to visit your website. 

Who are my current customers?

If you aren't sure about the needs, motivations, and concerns of your existing customers, it will be easy to miss out on meaningful connections. As you respond to comments on your blog posts or on your social media sites, you'll learn more about the needs that drive sales. While copywriters will spend time researching your current customers, it's also helpful for you to develop relationships with them.

Who is the target audience?

Who benefits most from the goods or services you offer? These people are your target audience. Take a look at the demographics of your existing customers to identify the new audience you want to attract. Remember to focus on how your offerings can improve the lives of your existing customers to understand how to attract people from your target audience. 

How busy is my schedule?

Building and maintaining a blog with a consistent schedule takes a lot of work. Some people make the mistake of underestimating the time commitment that goes into planning, design, and content creation. When your workday is already pushing beyond the 9-to-5 schedule, you don't really have time to produce consistent, fresh content. 

There are a lot of potentially great blogs out there that consist of just one or two posts … last updated eight months ago. If you want to have a blog that builds and sustains an audience, a consistent schedule is critical. Without a schedule, it can sometimes be impossible to ensure posts are written and content keeps flowing. If you have loyal followers and you disappear for several months, you may very well be forgotten! Using blog writing services makes this a non-issue. When someone else writes your content, you can tend to your life and work without having to worry about losing customers.

Can copywriters really represent my voice?

The task of finding someone to accurately portray your company should not be taken lightly. After all, writing in a business or brand's voice is a critical part of the copywriting process.

It is equally important to understand the value of professional copywriters. There are many factors involved in the process of creating great copy that leads to increased sales, and copywriters must understand and use these strategies. With research into your subject and your target consumers, talented copywriters can represent your voice. 

Source: quickanddirtytips.com

Checking & Savings Guide

10 Essentials for a Homemade First Aid Kit

Having medical supplies in your apartment just makes good sense. A well-stocked first-aid kit can help you respond effectively to common injuries and emergencies, according to the Mayo Clinic . Especially when an urgent need for an adhesive bandage or ice pack happens.

Why not be prepared and tailor a first aid kit to meet your everyday needs? A homemade first aid kit for minor emergencies lets you pick and choose all the must-haves. It doesn’t need to cost a slew of bucks either. Start your medicinal scavenger hunt at your local dollar store, where you’ll likely be surprised by the inventory.

The first step, determine your budget. Spend between $10 and $20 and have plenty of handy essentials right at your fingertips. Your first aid kit can be easily stored neatly in a pantry, or beneath the sink in your kitchen or bathroom.

We’ve organized a list of basics to help you get your homemade first aid kit ready for use.

1. Pain relievers

pain medicine

Generic-brand pain relievers come in many formats such as gel, lotion and patches. Use pain relievers for headaches and to reduce swelling. Find them for less at discount stores.

You can also look for brand name pain relievers at your favorite big-box retailer, drug store or pharmacy. If you have a rewards card at your drug store, you can also look for two-for-one deals on the pain relievers that work best for you.

2. Reusable ice packs

Reusable ice packs, which you can store in the freezer, are musts for your first aid kit. They should be your go-to to reduce swelling from bumps and twists.

If you need an ice pack immediately but don’t have one that’s cold, make an investment and buy instant cold packs. They’re easy to use: Snap the seal inside or squeeze the pack and they get cold in an instant! Just be sure to look for ones that are non-toxic.

3. Protective gloves

Be cautious about cleanliness. Try to keep a wound that requires attention clean of germs by picking up non-latex gloves. Look for deals. Sometimes, they come in multi-packs.

4. Minor wound dressing

first aid kit supplies for dressing minor wounds

Think of what you might need to dress minor wounds from accidental falls or burns from cooking. The list could include:

  • Gauze pads
  • Elastic wraps
  • Assorted band-aids
  • Cute band-aids for littles
  • Adhesive tape
  • Bandage strips and “butterfly” bandages in assorted sizes
  • Antibiotic ointments
  • Antiseptic cleansers

5. Hydrogen peroxide

You can shop for hydrogen peroxide at the dollar store of choice. You can also save there on musts like hand sanitizer and non-latex gloves for whoever is administering the first aid.

6. Applicators

Be sure to have items you use every day, including cotton balls and swabs. They’ll serve double-duty in the bathroom for everything from ear cleaning to makeup removal.

7. Tweezers

tweezers

Look for tweezers for splinter removal in the health and beauty section. Get small scissors for cutting bandages or gauze to the right length, too.

8. Thermometer

To know for sure if someone is running a fever, you should pick up a thermometer and add it to the kit’s mix. Some digital varieties even come with disposable plastic sleeves. These are great if you have more than one child whose temperature must be taken.

9. First aid box or case

Check the automotive and household aisles and you might score a small, sectioned case with a snap-lock to store everything in.

10. First aid manual

It’s also helpful to include a first aid manual in your kit as a guide for treating minor injuries and wounds. Look for one with instructions on performing CPR and diagrams of how to perform the Heimlich maneuver, in the event of choking.

Need more stuff?

For more extensive homemade first aid kits, you’ll probably have to stray outside the bounds of the dollar store. Head to your local pharmacy or supermarket to pick up extra items.

Now that you’ve created a first aid kit for your apartment, you’re a pro! Create a second first aid kit to keep in your car. You never know when it could come in handy.

The post 10 Essentials for a Homemade First Aid Kit appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.

Source: apartmentguide.com

Bank Accounts

How to Clean the Inside of a Metal Water Bottle

Metal water bottles have been all-the-rage for a couple of years now. Not only are they friendlier for the environment, but they’re also more cost-effective than purchasing disposable plastic water bottles.

Another great thing about metal water bottles is they’re more durable than plastic or glass bottles. Like all other bottles, however, it’s important to keep mold and unwanted bacteria out of your metal water bottle, so cleaning it regularly is highly recommended.

If you’re wondering how to clean the inside of a metal water bottle, fortunately, all you need is a few household items to start cleaning. If you’re looking for different ways to clean your metal water bottle, you’ve come to the right place! Whether it’s a just quick solution or a more thorough cleaning process, we’ve got you covered.

  • Simple cleaning
  • Cleaning your lid
  • Cleaning your straw
  • Deep cleaning

cleaning metal water bottle

The simple cleaning process

To start cleaning your metal water bottle, gather the following household cleaning items:

  • Baking soda
  • White vinegar
  • Sponge or bottle brush

Cleaning your metal water bottle

  1. The first thing you’ll want to do is to remove the lid, then pour a couple of tablespoons of white vinegar into the bottle. From there, screw the lid back on and shake the bottle well to evenly coat the sides of the bottle.
  2. Remove the lid, keep the vinegar inside and fill the bottle with water until it’s about halfway full. Next, take your sponge or bottle brush and scrub the insides, then remove the brush. Screw the lid on once more and shake again.
  3. Pour the contents out and rinse thoroughly with hot water.
  4. Your metal water bottle will be as clean as new.

If the smell of vinegar isn’t for you or if you’re on the go, there’s another option for cleaning your metal water bottle — cleaning tablets. All you have to do is add some water to the bottle you wish to clean, drop in a tablet and shake it like it’s your job.

They’ll completely dissolve while shaking so there’s no need for a bottle brush or any other tools. Once it’s dissolved dump out the water and rinse the bottle once more.

One thing to keep in mind is that the tables are, of course, single-use.

water bottle lid cleaning

The simple lid cleaning process

Cleaning your metal water bottle is really as simple as that. But what about the lids? People often neglect cleaning the lids of their water bottles. The lids are important to clean because they collect a lot of dust and other bacteria throughout the day as you touch the top of the water bottle frequently. Luckily, the lids are just as easy to clean as the bottles.

To start cleaning your lid, gather the following items:

  • Baking soda
  • Dish soap
  • Q-tips

Cleaning your metal water bottle’s lid

  1. First, you need to fill a bowl with hot water and baking soda.
  2. Soak the lids and caps in the hot water and baking soda for approximately 2-3 hours.
  3. After 2-3 hours have passed, rinse out the lids with hot water and dish soap.
  4. Use Q-tips to clean any other hard to reach areas within the lid.
  5. Rinse fully with hot water and your lid should be good to go.

water bottle straw cleaning

The simple straw cleaning process

Similar to lids, bottle straws are often forgotten. To start the cleaning process grab the following items:

  • Hot water
  • Dishwashing liquid
  • Straw brush or pipe cleaners

Cleaning your metal water bottle’s straw

  1. First mix the hot water and dishwashing liquid in a bowl.
  2. Dip the brush or pipe cleaner into the solution and insert it into the straw. Keep in mind that the brush should be big enough to touch all sides of the brush.
  3. Rinse out the straw with water and you are ready to go.

bottle brush

Do a deep clean!

If you’re in a rush, doing a quick clean as mentioned above should do the trick. However, it’s suggested that you should do a deep clean at least once per month depending on how often you use your water bottle. If you use your water bottle daily, you might want to deep clean your bottle weekly.

Deep cleaning your metal water bottle

To deep clean your metal water bottle, it’ll require a bit more time and attention. Consider utilizing these two ideas below for deep cleaning your water bottle.

  1. Fill your metal water bottle with boiling water and let it sit overnight. In the morning, rinse out the water bottle and wash intensely with dish soap. The boiling water will disinfect germs and get unwanted bacteria out.
  2. Consider getting a bottle brush. A bottle brush helps you clean hard to reach areas and scrubs the bottom and sides of your water bottle. Just fill your metal water bottle with boiling water and mix in some dish soap. Then, use your bottle brush to get a good scrub in. The bottle brush will get any mold that’s accrued over time out quickly.

By using either of these two cleaning methods, you’ll ensure your water bottle is free of bacteria and any built-up mold. To deep clean the lids, you can and should soak the lids in boiling water overnight, as well. It works like magic!

Clean your metal bottle regularly

As noted above, metal water bottles are easy to clean, yet people often neglect cleaning them. Now that you know how to clean the inside of a metal water bottle don’t be that person that lets their water bottle sit in the car without being cleaned for months on end.

Letting bacteria and mold creep in can affect your health in negative ways. Stay healthy by cleaning it out regularly and doing a deep clean at least once per month. Perhaps consider adding it to your spring cleaning schedule and then, you’ll never forget!

The post How to Clean the Inside of a Metal Water Bottle appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.

Source: apartmentguide.com

Banking

Can Your Craft Become Your Livelihood? A Conversation with Grant Ginder

That creative thing you love—writing, painting, designing, composing—that’s what you do for pleasure. To relax, unwind, escape. Many of us hold a belief that the thing we love to do and the thing we get paid to do can’t be one and the same. Unless, of course, you’re Lizzo or Stephen King. 

But what if that assumption is wrong? What if there's a way to add a small revenue stream, or even make a full-time career, out of the creative thing you love?

Becoming a creative begins with creating.

I sat down with novelist Grant Ginder (author of The People We Hate at the Wedding and Honestly, We Meant Well) who boldly shares his advice on how he turned his writing hobby into a profession and how he believes you can follow his lead down any artistic path you choose.

What makes someone an artist?

When I asked Grant what makes someone an artist, he chuckled before confessing that even as a published author, he struggles to claim the title out loud.

"I think … so much of it is just a matter of taking ownership. [We tend to believe] you're not allowed to call yourself a painter unless you've sold paintings. But a painter is someone who paints. …I spend a lot of my day writing, and so I'm a writer. Getting anyone else to take you seriously is to take yourself seriously. And part of taking yourself seriously is calling yourself what you are."

Addressing the mindset of art as a hobby or creative pursuit only

Many of us carry a creative wish or talent inside of us. And yet so many believe that our art—the creating—is the thing we must do after the “real job” is done. Being creative happens separately from being a professional.

"My parents… encouraged me to follow those [writing] ambitions. And if I would've told them after I graduated college ‘I'm going to go be a writer’… they would have [said] ‘Maybe you won't be doing that.’

"When my first book came out, my parents had a celebration for me and my dad was giving a speech. He said ‘Grant said he was going to write a book and we didn't believe it!'"

Then, after Grant’s second book was published, his parents (supportively) expressed the same surprise.

"It was a mixed message. It’s not just your parents [sending you this message]—I think you have pressures from all sides; from school, from media, from just looking at the world around you. It’s like the only [artists] that matter are the ones who make a lot of money. I think it’s a very skewed way of looking at art."

Making the move from amateur to creative professional

It's all well and good to say that we should all support creative pursuits as a means to an income. But how do you actually get started on making it official? The answer, perhaps unsurprisingly, is that becoming a creative begins with creating.

"For me, the creating part was learning to set aside time, and to protect that time, to engage in this particular craft… I would write on the weekends a lot. [I had to learn] to say no to things… [because] this is the time that I've set aside to engage in this process, and I'm going to engage in this process now. Holding yourself to that and getting other people to recognize and take that seriously [is essential]."

He also speaks to the importance of consuming the art form you want to produce. For Grant, that’s the novel. But he acknowledges that it's probably the same for other creative arts like painting or music. The process involves analysis and self-reflection.

"You read a novel and you want to write one of these things. [What do you like about it? Why do you like that? And how is that writer doing that thing? And so, [you're] coming at it as… someone who's trying to train themselves in a particular craft. I think that's kind of step one in producing something [creative]."

Finding inspiration and motivation

Sometimes you don't have the luxury of waiting for inspiration to strike you. You have a job to do.

What about inspiration? Do you wait for it to strike or do you just have to start?

Grant believes the artist simply has to start.

"I don't believe that I have to wait for inspiration to strike. I actually think that this comes from my training as a speechwriter, and from writing under deadlines. Sometimes you don't have the luxury of waiting for inspiration to strike you. You have a job to do."

He pointed to an idea he paraphrased from novelist Taffy Brodesser-Akner:

"You write a sentence. Just write that sentence. And it might be a really bad sentence, but the next one will probably be a little bit better."

"I'm also a fan of super messy first drafts. I think my writing is at its worst and my process is at its worst when I get way too precious. Am I in the mood? Is the light in the apartment just right? It's like, no, just roll up your sleeves and start."

Getting your creation out into the world

Once you’ve written or painted or composed the thing, is there a clear, step-by-step roadmap to getting it out into the world? Grants recommendations were refreshing. And relatable.

1. Do your research

"I used Google. When I wrote my first novel, I Googled ‘how many words are in a novel?

"I've always loved writing. I've always loved reading. And so, on breaks [from my speechwriting job], I would write. And, I kept that up. And then… when I reached that magic number [of novel words], I Googled ‘how to publish a novel.

"My path was like a Google Commercial."

Grant's googling led him to conclude that he needed to find a literary agent. And, of course, he then used Google to find out what a literary agent was. 

"Your research is really important [in figuring out] what the next steps are and how to prepare yourself for those steps."

2. Be scrappy

"I started realizing I'd never really read the acknowledgments in the backs of books before. So I started reading the acknowledgments… and authors thank their agents. So if I really liked the book, I would read the acknowledgments and keep a list of who the agents were.

"When it was time for me to query agents… I reached out to those agents. Some of them didn’t respond, but some did. It takes a while. You get a lot of rejections. But I told myself that for every rejection, I was going to send it out to two more people. You just chip away."

I told myself that for every rejection, I was going to send it out to two more people. You just chip away.

3. Make connections

"I assume this would translate to other fields—developing a network of other writers, painters, musicians helping each other … to navigate the landscape."

Grant had no prior knowledge of the steps to take in getting a book published. He had no connections. He had only a book, a wish, and a decent internet connection. And this is how he would advise any creator to figure things out as they go.

How do you handle rejection?

Grant mentioned rejection. And I wasn’t letting him off the hook. How, I asked, do you deal with rejection?

"There is this incredible vulnerability in putting something out in the world. It's something that you've sat with for years. And it's just [been] you, engaging with [it]. Then all of a sudden it's in the hands of everyone and they're allowed to think whatever they want about it.

"I think you have to get to this state—and I'm not there yet—[but] I imagine [it’s] like the author's Nirvana… where I’ve made this thing that belonged to me while I was making it. And I am now putting it forth for interpretation… [but] texts are meant to be read and processed in a variety of different ways. And I think that… the more you can lean into that belief, the happier, and probably the better writer you can be."

Grant's advice to budding creatives

I wrapped our interview with this question: What’s the one piece of advice you wish you could give your younger self?

Here’s a (slightly paraphrased) summary of the pep talk Grant wished he'd received.

"Just sit down and do it. Trust the process. One sentence will lead to the next sentence, which will lead to the next. Don't worry so much. Just write the book you want to write."

Source: quickanddirtytips.com

Banking, Personal Finance

How to Get the Best Deals From Bank of America?

Bank of America, like most banks, offer several bonuses, either from their credit cards, checking or savings accounts. These deals can be either cash rewards, bonus points, etc. For example, open this credit card then you get a $200 cash rewards bonus. In the past, if you refer a friend, Bank of America would pay you $50 referral bonus. But Bank of America has discontinued the referral bonus when you refer a friend.

SAVINGS ACCOUNTCIT Savings Builder – Earn 0.85% APY. Here’s how it works: Make at least a $100 minimum deposit every month. Or Maintain a minimum balance of $25k. Member FDIC. Click Here to Learn More.

Bank of America “refer a friend & cash rewards” bonus program

While Bank of America does not have a cash reward bonus when you refer a friend, there are cash rewards when you yourself get approved for a particular credit card.

Cash Rewards Credit Card:

  • Receive $200 cash rewards bonus after you make $1,000 in purchases in the first 90 days. Also, you get to choose how to collect your rewards.
  • Plus, earn 3% cash back when you shop for: gas, online shopping, drug stores, home improvements, dining or travel.
  • Get 2% cash back at grocery stores and wholesale clubs.
  • Earn unlimited 1% cash back on all other purchases.
  • No annual fee. Go to Bank of America’s homepage to take advantage of this credit card referral bonus.

Travel Rewards Credit Card

  • Earn 25,000 online bonus points when you make at least $1,000 in purchases in the first 90 days. You can redeem it for a $250 credit toward your travel purchases.
  • Earn unlimited 1.5 bonus points for every $1 spent on all purchases.

Bank of America Premium Rewards Credit Card.

Again Bank of America offers no referral bonus when you refer a friend, but this credit card has great deals and promotions.

  • 50,000 bonus points after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Earn 2 points for every 1$ spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
  • Get $200 in travel statement credit.

Make sure you take a look at other Bank of America Promotions.

In conclusion, if you’re looking for a cash reward deal when you refer a friend to Bank of America, you will not find any at this time. But there are several credit cards with great cash rewards. For more cash back deals, rewards or future referral bonus programs and promotions, check Bank of America’s deals here. The site guarantees no coupons or promo codes. You just activate your deals and go.

Here are other popular Bank promotions deals!

  • CIT Bank Savings Builder Account. 0.85% APY. Maintain a minimum balance of $25k OR make at least $100 minimum deposit every month. FDIC insured. Read our review here.
  • CIT Bank Money Market Account – 1.00% APY. $100 minimum opening deposit. No monthly maintenance fee. FDIC insured.  Read our review here.

Speak with the Right Financial Advisor

If you have questions about your finances, you can talk to a financial advisor who can review your finances and help you reach your goals (whether it is making more money, paying off debt, investing, buying a house, planning for retirement, saving, etc). Find one who meets your needs with SmartAsset’s free financial advisor matching service. You answer a few questions and they match you with up to three financial advisors in your area. So, if you want help developing a plan to reach your financial goals, get started now.

*TOP CIT BANK PROMOTIONS*
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The post How to Get the Best Deals From Bank of America? appeared first on GrowthRapidly.

Source: growthrapidly.com

Bank Accounts, Budgeting, Insurance, Investing

The Top Financial Resolutions for 2021

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.

The most surefire way to achieve your financial resolutions and stay within that budget you made is to earn more money.

1. Make A Realistic Budget And Stick To It

Source: thepennyhoarder.com
And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates. But a website called AmOne wants to help.
The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 3.49% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.
Whatever your financial goals are this year, we know you can achieve them! Here’s to making 2021 your best financial year yet.

2. Look For A Better Job: Make up to $69/Hour

Have you made your resolutions yet? It can feel a little daunting trying to figure out what you need to focus on, so we made it easy: These are the resolutions everyone else is taking on in 2021, according to a survey by Wallethub, and you should, too. Plus — how to accomplish them.

Credit Sesame does not guarantee any of these results, and some may even see a decrease in their credit score. Any score improvement is the result of many factors, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning and developing better credit habits.
When it comes to your credit score, it’s important to stay organized and keep tabs on it. After all, it’ll play an essential role in any big purchase you want to make — whether that’s a home or a car.
AmOne won’t make you stand in line or call your bank, either. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could help you pay off your debt years faster.
Enter your email address here to get a free Aspiration Spend and Save account. After you confirm your email, securely link your bank account so they can start helping you get extra cash. Your money is FDIC insured and they use a military-grade encryption which is nerd talk for “this is totally safe.”
You don’t have to be an accountant or even really good at math to be successful in this business. In fact, all you need are decent computer skills and a passion for helping business owners tackle real-world problems. The ability to stay moderately organized is helpful, too.
If you’re under the age of 54 and want to get a fast life insurance quote without a medical exam or even getting up from the couch, get a free quote from Bestow.
Those are the perks of working as a bookkeeper, says Ben Robinson, a CPA and business owner who teaches others to become virtual bookkeepers through online courses called Bookkeepers.com.

3. Pay Off Credit Card Debt: Wipe Out All Your Debt by Tomorrow

Kari Faber is a staff writer at The Penny Hoarder.
Can you open an excel spreadsheet? Does earning an hour sound appealing? How about the freedom to work remotely while helping others succeed?
James Cooper, of Atlanta, used Credit Sesame to raise his credit score nearly 300 points in six months.*** “They showed me the ins and outs — how to dot the I’s and cross the T’s,” he said.
So if you’re looking to get your credit score back on track — or even if it is on track and you want to bump it up — try using a free website called Credit Sesame.
50% of your take-home income every month covers your fixed expenses — rent, utilities, groceries, minimum debt payments, etc. 30% goes towards the things you can live without, but don’t want to (like food delivery, a Netflix subscription and travel). Finally, the last 20% of your monthly income is dedicated to your financial goals.
We recommend the 50/30/20 method. It’s simple, yet effective, and has a bit of a cult following, too! Here’s how it shakes out:

4. Monitor Your Credit Report

It’s easy to get swept up in the joy that is payday and immediately start buying things you don’t need. But as the final financial resolution on this list, paying your bills right away can help keep the rest of your goals on track.
If you owe your credit card companies ,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.
Have you thought about how your family would manage without your income if something happened to you? How they’ll pay the bills? Send the kids through school? Now’s a good time to start planning for the future by looking into a term life insurance policy.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
Did your credit score take a dive this year? Or is still stuck at a “fair” grade? Then monitoring any changes on your credit reporting and working to improve your score should be one of your financial resolutions for this year, too.
Within two minutes, you’ll get access to your credit score, any debt-carrying accounts and a handful of personalized tips to improve your score. You’ll even be able to spot any errors holding you back (one in five reports have one).

5. Get Insured In Case Of A Catastrophe. You Could Give Your Family up to $1 Million

***Like Cooper, 60% of Credit Sesame members see an increase in their credit score; 50% see at least a 10-point increase, and 20% see at least a 50-point increase after 180 days.
Rates start at just a month. The peace of mind knowing your family is taken care of is priceless.
It’s easy to slip away from our good financial habits as the year goes on, so it’s particularly important to find a budgeting system that works for your lifestyle and won’t be hard to maintain.
So prioritize your emergency fund this year. If you don’t have one yet, start by opening an account that will help you grow your money.
2020 was actually a good year for paying down credit card debt — Americans did more of it this year than they ever have.

6. Add A Month To Your Emergency Fund

Having an emergency fund is important; you know that. But it’s easy to deprioritize it when things are going fine. And as 2020 showed us, you can lose your job at the drop of a hat, meaning a full emergency fund can be what keeps your lights on.
This one sounds familiar, right? Oft-regarded as Old Faithful when it comes to New Years’ resolutions, it holds that title for good reason. Having a budget you can actually stick to will set you up for financial success, no matter what your goals are.
You’re probably thinking: I don’t have the time or money for that. But your application can take minutes — and you could leave your family up to million with a company called Bestow.
Not too shabby!
Talk about a scary year. If a global pandemic didn’t have you thinking about your own mortality, what else could? With that thought in mind, people are adding “buy life insurance” to their list of 2021 to-dos.

7. Pay Bills Right After Payday

But what if you could create that higher-paying and more rewarding job? There’s an idea…
Want to check for yourself? It’s free and only takes about 90 seconds to sign up.
But there’s still work to be done, which is why paying off credit card debt is one of the top financial resolutions this year.  Because if you still have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape…
It means you can avoid late fees on your utilities, which can really add up and destroy your budget. You can pay off your credit card debt without mounting interest charges. And you can prevent any hiccups that would dock your credit score a few points.
Robinson shares what it takes to be a virtual bookkeeper, plus tips for making this career work for you in his free class at Bookkeepers.com. If you stick with the classes, you could be running your own business in just a few months.
One way to do that is with a company called Aspiration. It lets you earn up to 16 times the average interest on the money in your account.
2020 made that really hard for most people. Which is why finding a better job, that you actually enjoy — and will pay you more — is a top resolution for 2021.
You can make up to an hour, according to data from Intuit, the creator of QuickBooks, and you have no commute. It’s a great opportunity for parents who want a part-time job, recent college grads or anyone who wants to bring in real money working from home.