Hey <<First Name>>,
If you're traveling for Thanksgiving, be safe. If you've already reached your destination, enjoy the time with family and friends. If you're not traveling, stay safe and enjoy the break (hopefully you get one).
As for Black Friday.........don't lose your damn mind! We ain't trying to see you on tv getting trampled or trampling someone for a microwave. The hospital bill or legal fees will certainly eliminate any sale savings.
Before We Get Into It
ANOTHER ONE! This week, our guest Donna Freedman is offering an exclusive discount on her book, Your Playbook for Tough Times. Visit http://paychecksandbalances.com/yp and use discount code: PAYCHECKS (good through November 30, 2016).
Reminder: The “15 Minute Budget” and three budget strategies you can apply today is available for free on Marcus’ Debt Free or Die Trying website. Click here to check out the free tool.
This Week's Action Items
Donna covers a lot on PB31, including some things to keep in mind when holiday shopping! Be sure to check it out. Here are some action items from this week's episode:
- You Need A Budget. Still don’t have a budget? A budget does not equal deprivation! From Donna, “a budget is a tool that makes your money go where it’ll do you the most good.” Start one today!
- Start a “Freedom Fund.” Want to vacation or make a big purchase in 2017? Start saving today! Donna recommends we take our goals divided by the number of months necessary to save and put money aside every month versus waiting until the last minute. Start your Freedom Fund today by saving each month for the free-cations you want in 2017.
- Create Your Own Actions List. Take action every single day and keep a running list of everything you do. When you feel lost and discouraged, look at your list.
- Choose Cards Wisely. In the market for a new credit card? Donna recommends NerdWallet for all your credit card comparisson needs. Reminder: Research before you apply, but don’t apply for everything. We recommend you apply for one and no more than three cards a month until you receive the card you want. Each application will necessitate a “hard” credit check, which will temporarily lower your credit score. Know more, do better. You got this.
Stuff You Should Read
College grads with $100K in loans get advice on their debt
Think you have problems (or maybe you can relate)? Check out this article for some tips to help you with your college loan management.
Top 100 Best Jobs Including Median Pay
If you’re in school or looking for a career change, check out these top 100 careers to make sure your job is growing...or will still exist in the next 4 years. No Country for Blindsided Outsourcing.
How is your credit score calculated?
There are five major factors. They’re ranked here by order of impact from the largest credit bureau, Experian.
Why it's never a good idea to accept a counter offer
If your company ever tries a "I promise I'll do better" when you give notice, keep this article in mind. It could help you avoid a career flatline.
Stuff You Should Think About
“Yesterday you said tomorrow. Tomorrow you will wish you had done it today.” - Latasha Kinnard (@SY_Financial)
Get moving. Wasted time is gone forever.
That's all, folks.
Until next time, be safe, we out, peace.
Rich & Marcus |
