Attending happy hour with your coworkers can really add up over time. If you have kids, look for places where they can eat for free. Pack your lunch and make it ahead of time at the beginning of the week so you can just grab it and go. These small tweaks can save you quite a bit of money in the long run. Consider eating out at restaurants a special treat rather than a way of life.
Shop your local grocery circulars and look for sales on things you can freeze like meat and produce. Buy items such as rice and pasta in bulk to get a better deal. Use coupons to save even more money at the grocery checkout line. With some careful planning and smart shopping, you can cut your food budget down significantly. Watching your favorite movies and TV shows is a great way to unwind.
But the cost of cable and other entertainment can do a number on your budget. Reduce this cost by signing up for streaming TV services instead of with your local cable company. There are tons of great alternatives to standard television these days.
Online streaming is the way of the future and can cut your bill down by more than half! For cell service, negotiate with your current carrier and find out if they can give you a reduction on your bill.
If not, shop around and look for a new carrier who can offer you a lower rate. If you absolutely must have cable, split the cost with your roommate or eliminate a few channels you never watch to save some cash. Over time, your credit card debt can snowball, leaving you stressed out and in the hole. The best way to combat credit card debt is to pay for everything in cash whenever possible.
Start paying your credit cards off with more than the monthly minimum whenever you can. Transfer your high-interest cards over to one with a low or zero interest rate on balance transfers.
Consider debt settlement services that can help you pay off your balances for less than you owe. Keep a record of how many cards you have, their balances, and their interest rate.
This will give you a snapshot of where your money is going every month. Once you have a handle on your debts, you can start to repair any issues with your credit. Remember to make all of your payments on time each month, and whittle down the balances to keep your costs low. When you pay in cash, it forces you to really think about how much disposable income you have. Cut your credit cards in half to eliminate the temptation of using them.
You can save one card with the lowest interest rate in case of an emergency. If you currently have a hefty car payment, it might be time to downgrade. Sell your car or trade it in for a cheaper model and you could save hundreds each month. If you do plan to keep your current vehicle, take good care of it with regular maintenance and oil changes. Preventative maintenance can save you thousands on costly car repairs.
Do some math and determine if public transportation might be cheaper than driving to work every day. If you can take the bus or subway for less than it costs to drive, it might be time to change your routine. You also need to factor in gasoline, insurance, and maintenance costs.
Use your car for outings on the weekends, and carpool with a coworker during the week if you can. Anything you can do to reduce your dependence on your vehicle can be a serious money-saver. To connect with a debt consultant, visit our website and contact us today so we can help you with your debt settlement needs. Start with the hourly wage and answer the question: 15 dollars an hour is how much a year? You get the same result if you work all year with no vacation time.
In the previous case, we assumed 2 weeks of unpaid vacation, so your total year consisted of 50 weeks. But if you get paid for 2 extra weeks of vacation at your regular hourly rate , or you actually work for those 2 extra weeks, then your total year now consists of 52 weeks.
Assuming 40 hours a week, that equals 2, hours in a year. If you wanted to be even more accurate, you can count the exact number of working days this year. It has a total of days in the year including both weekdays and weekends.
There are weekend days counting every Saturday and Sunday in the year , and weekdays Monday through Friday. So if you worked a normal 8 hour day on every weekday, and didn't work any overtime on the weekends, you would have worked a total of 2, hours over the year. Most companies give employees time off for various holidays, so that should really be included in the calculation.
The problem is that different countries can vary in their national holidays, and your company may give certain days off but not others. On average, in the U. Many businesses also have an additional floating holiday that is sometimes used for Christmas Eve, New Years Eve, or one of the days near July 4th. Often this is based on whether one of those days falls on a Tuesday or Thursday.
Adding that extra holiday can give employees an extra long weekend. Some schools can also be off on Presidents Day, and banks may have their own official holidays.
0コメント