Fact: Vacations are awesome. But the planning? Not so much. Sometimes you need a vacation from your vacation planning.
A few years ago I decided to manage my money with Qapital. Not only has it helped me keep track of where my money goes, but I’ve also led a richer life. In turn, I’m a happier, more fulfilled me.
If your finances are a constant source of stress and anxiety, you’re certainly not alone. In fact, 40 percent of American adults say they would have a tough time covering an unexpected expense of $400 or more, according to the Federal Reserve’s Report on the Economic Well-Being of U.S. Households in 2017.
No matter how on top of your money game you are as a freelancer, you’re bound to let a few things fall by the wayside. Between meeting project deadlines and hustling for new gigs, some of the “musts” on your ever-growing “to-do” list may have turned into “Whoops. What happened?”
If you’re just scraping by financially, it doesn’t take a lot for a money crisis to go down. According to research by Elevate’s Center for the New Middle Class, among non-prime Americans (aka those who have below a 700 credit score and little or no savings), a whopping 69 percent couldn’t cover an urgent $500 emergency.
Staying on top of your finances when you have a steady paycheck is one thing, but if you’re in between jobs, that’s an entirely different story.
Have some time off during the summer months and can spare some time to up your money game? Or maybe you’re raking in extra cash from summer side gigs.
When shopping for credit cards, your jaw may drop at the steep annual fee for the premium cards out there.
If you’re a recent college grad, you may aspire to turn your dream business into a reality. In fact, a survey conducted by the University of Phoenix reveals that 63 percent of people in their 20s were either entrepreneurs—or would like to be one someday.
If you’ve just graduated college—first off, congrats! And as you’re creating a massive “next steps” to-do list, that might include landing your first grown-up job, moving to new stomping grounds, or creating a budget, you’ll want to add one thing: investing.
If you’re an entrepreneur who spends their mornings consulting, nights writing, or weekends designing, I hope you’ve also been collecting email addresses via a personal website.
If you’re one of the lucky ones to get out of work early on Fridays during the summer, you probably have grand plans of lounging poolside or getting a jump on the weekend with friends.