Money doesn’t buy happiness, the adage says. But money can improve the quality of life. At least subjectively. The popular subreddit R/AskWomen asked its users what expensive items give them the bang for their buck. 1. Animals![]() Several users agreed that expensive veterinarian bills, high-protein, healthy food, and tons of toys for their pets are always worth the time and happiness they spend with them. I wholeheartedly agree with this. As the mom of two cats, I groan when their lanky bodies sprawl across the whole bed, but waking up next to them makes me happy in the cheesiest way. Animals assist those who experience depression, mental health issues and those who prefer creatures over humans. 2. Nails![]() Relaxing into a comfortable massage chair while someone rubs your feet and paints your toes is an unrivaled experience. Add some scented scrub to that deep tissue massage, and it’s game over. Mani-pedis cost anywhere from $35 to $70, depending on the location, but the calming procedure is worth the expense. Those who bite their nails say mani-pedis are the only way to stop the habit. Mani-pedi enthusiasts on the thread also claimed getting regular mani-pedis elevates mood and self-reflection. 3. Scuba Diving![]() According to one user doling out hundreds to thousands of dollars a year for scuba trips is worth the refreshing plunge and exploration into underwater territory. This costly hobby serves as mindfulness for participants. Seeing the world underwater allows you to view life through a new lens. 4. Living Alone![]() Living with others reduces rent prices and can save thousands of dollars a year, but some individuals despise sharing space with others. Living by yourself allows you to enjoy your space and decorate your home to only your taste. You can cook, watch, and do whatever you please, as no one else is there to chime in on your actions or judge. Single apartments cost more than doubles or homes split between multiple people, but living alone is the one way to separate yourself from housing drama and revel in isolation. Living alone is excellent for less social homebodies. 5. Concert Tickets![]() I have two shirts relating to my concert adoration. One of the shirts reads “I work to support my concert addiction,” and the other says, “I’d rather be at a concert.” I agree with both statements. Name a feeling better than the rush of live music reverberating through your body while a performer dances on stage. I’ll wait. Yes, concert tickets are overpriced and expensive, but if you love live music, concerts are the best place to be. 6. Tattoos![]() Self-expression translates differently for everyone. If you favor the tattoo train, you know that ink, while creative and expressive, isn’t cheap. Finding a tattoo artist and picking the right tattoo takes time, care, and money. And, if you’re one of the many who itch for more ink after receiving that initial piece, you’ll need to plan your sessions and finances. 7. Travel![]() Traveling exposes you to different cultures, people, and food. Multiple users said traveling opens their eyes to novel experiences and beautiful journeys. 8. Massages![]() Similar to mani-pedis, massages provide individuals with relaxation sessions allowing them to reflect inwardly and meditate. Regular massages add up but host droves of physical benefits. 9. Books![]() With the constant barrage of social media and ebooks, owning physical books evokes a specific kind of peace. Yes, they cost less online, and yes, they are free at the library, but that feeling of holding a hard copy in your hands or flipping through a paperback is not the same as using a Kindle. 10. Cleaning Services![]() According to many, paying for a monthly cleaning service is their best investment. Every month, a company comes out to the house and takes the time to deep clean the living space and bathrooms. This reduces anxiety and makes the house sparkle. 9 Solid Ways to Make Money Online [And Earn $1,000+ Each Month]![]() 9 Solid Ways to Make Money Online [And Earn $1,000+ Each Month] 29 Hobbies That Make Money [The Simple List to Boost Income![]() 29 Hobbies That Make Money [The Simple List to Boost Income How to Stop Living Paycheck to Paycheck [Sooner Rather Than Later]![]() How to Stop Living Paycheck to Paycheck [Sooner Rather Than Later] How to Invest With Little Money [Your Best Options Today]![]() How to Invest With Little Money [Your Best Options Today] 11 Awesome Benefits of Budgeting Your Money![]() 11 Awesome Benefits of Budgeting Your Money This thread inspired this post. This article was produced and syndicated by Invested Wallet. Via https://investedwallet.com/woman-say-worthwhile-spending/
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Life hacks are all the rage these days. From using binder clips to organize cables to repurposing shower caps as shoe covers, people are always looking for clever ways to save time and money. While many life hacks are aimed at people with disposable income, poor people have a wealth of knowledge when it comes to frugal living. Here are some surprising life hacks you can learn from people who live on a tight budget: 1. Reuse Plastic Bags![]() Poor people often reuse plastic bags for multiple purposes, such as carrying groceries or storing leftovers. This not only saves money but is also an eco-friendly alternative to constantly buying new bags. You can also use them to wrap delicate items when packing or as a makeshift shower cap when traveling. 2. Repurpose Old Clothes![]() Instead of throwing away old clothes, poor people often find creative ways to repurpose them. For example, an old T-shirt can become a cleaning rag or a dish towel. An old sweater can be unraveled and the yarn used to knit something new. This not only saves money but also reduces waste. 3. Cook in Bulk![]() Poor people often cook large batches of food at once and freeze portions for later. This not only saves time but also ensures that food doesn’t go to waste. It’s also a great way to save money on groceries by buying ingredients in bulk and taking advantage of sales. 4. Use Public Transportation![]() Poor people often rely on public transportation to get around, as it is cheaper than owning a car. While it may take longer to get where you’re going, it’s a great way to save money on gas and car maintenance. Plus, you can use the time to read or catch up on work. 5. DIY Home Repairs![]() When something breaks in a poor person’s home, they often try to fix it themselves before calling a professional. This can include everything from unclogging a drain to patching a hole in the wall. Not only does this save money on repairs, but it also gives you a sense of accomplishment and self-sufficiency. 6. Buy in Bulk![]() Poor people often buy in bulk to save money on groceries and household items. This can include everything from toilet paper to laundry detergent. By buying in bulk, you can often get a better price per unit and reduce the number of trips you need to make to the store. 7. Shop At Thrift Stores![]() Poor people often shop at thrift stores for clothes and household items. This not only saves money but also reduces waste by giving new life to gently used items. You can often find great deals on high-quality items that would be much more expensive if bought new. 8. Learn to Sew![]() Poor people often learn to sew as a way to repair or alter clothing. This not only saves money but also allows you to personalize your wardrobe and express your creativity. You can also use sewing skills to create gifts for friends and family. 9. Make Your Own Cleaning Products![]() Poor people often make their own cleaning products as a way to save money and avoid harsh chemicals. For example, you can make an all-purpose cleaner by mixing vinegar and water, or a furniture polish by combining olive oil and lemon juice. Not only are these DIY products cheaper, but they are also healthier for you and the environment. 10. Grow Your Own Food![]() Poor people often grow their own food as a way to save money on groceries and ensure that they have access to fresh produce. Even if you don’t have a backyard, you can grow herbs or vegetables in containers on a balcony or windowsill. Not only is it cheaper and healthier than buying produce from the store, but it’s also a great way to connect with nature and develop a new hobby. Personal Finance Lessons $50,000+ of Debt Taught Me![]() Personal Finance Lessons $50,000+ of Debt Taught Me The Number One Reason Most People Are Broke Or Have No Emergency Fund![]() The Number One Reason Most People Are Broke Or Have No Emergency Fund 7 Side Hustle Ideas That Have Full-Time Income Potential![]() 7 Side Hustle Ideas That Have Full-Time Income Potential How To Invest $20: Make Your Money Work For You![]() How To Invest $20: Make Your Money Work For You Should You Invest Your Emergency Fund? [The Complete Answer]![]() Should You Invest Your Emergency Fund? [The Complete Answer] This article was produced and syndicated by Invested Wallet. Source: Reddit. Via https://investedwallet.com/life-hacks-learning-from-poor-people/ Are you guilty of spending money on things that some people might consider a waste? Do you indulge in self-care treatments, invest in expensive tech or luxury cars, or enjoy growing your veggies even if it’s not cost-effective? You’re not alone. Look at what these women confessed to as time and money wasters. 1. Having New Outfits![]() Do you have an affinity for fashion? One expressed that they enjoy buying new outfits for special events, even if it’s just for themselves and their partner, and also indulging in hair and skin treatments that boost their self-confidence, even if they spend most of their time at home. 2. Personal Trainer![]() While some might consider having a personal trainer a waste of time and money, many women disagree. They feel that a personal trainer can provide valuable benefits such as ensuring proper form and maximizing the benefits of each rep and set, as well as providing motivation and pushing you beyond your limits. 3. Pedicure![]() Okay, but pedicures are life-changing. Many believe pedicures are worth the time and money, despite being able to do them at home because they enjoy the experience of going to a salon. 4. Luxurious, High-Tech Car![]() Another woman shared that they highly value a beautiful and comfortable ride, as they spend a significant amount of their weekly time driving, ranging from 60% to 80%. Despite the high cost, they are willing to invest in a luxurious, high-tech car to ensure their comfort and satisfaction during long drives. 5. Professional House Cleaner![]() Suppose you have disposable income or the desire to reduce unwanted cleaning stress. In that case, these women swear that hiring a professional to come deep clean every other week is a game changer. Additionally, cleaners can come weekly to maintain your home, and some even fold laundry! Where do I sign up? 6. Gaming Monitor![]() One individual shared that they are currently searching for a high-quality gaming monitor, and their friends consider it a waste of money to invest at least £250 ($300) in a good one. Still, the individual believes that reasonable frame and refresh rates are essential for a great gaming experience. 7. Growing Own Veggies![]() Do you enjoy nurturing plants? One woman shared that they enjoy growing their veggies on their balconies, even though it’s not necessarily cheaper than buying produce from a supermarket when considering the cost of the necessary materials such as pots, soil, seeds, and other products. However, they find the process enjoyable. Getting your hands in the soil can be therapeutic, and nurturing the plants instills calmness in many. 8. Art School![]() One woman confessed to often receiving criticism for attending an art school, as many still believe pursuing a career in art will lead to a lack of success. Some parents even discourage their children from applying to art schools. 9. Flying First Class![]() Flying first class whenever their finances allow is one luxury this woman recommends. Despite not necessarily getting them to their destination faster, they appreciate the early boarding and extra legroom after years of being cramped in economy class during their time in the military. 10. Expensive Toilet Paper![]() Say no to one ply! At least, that was the consensus among these women who shared that they prefer to buy expensive toilet paper, despite cheaper brands working just as well, because the more luxurious feel is worth the extra cost. 11. Skin Care![]() Spending money on good skin care products is an indulgence for many women in the thread. In addition to the three-step processes of wash, toner, and hydration, women admitted to splurging on face masks and body scrubs. 12. Grocery Delivery![]() Finally, many women agreed that using Amazon Fresh Delivery and Instacart was worth the extra time and money. You add items to your virtual cart and checkout, and someone else does your shopping and delivery. Now, if only there were someone to put the groceries away! Personal Finance Lessons $50,000+ of Debt Taught Me![]() Personal Finance Lessons $50,000+ of Debt Taught Me The Number One Reason Most People Are Broke Or Have No Emergency Fund![]() The Number One Reason Most People Are Broke Or Have No Emergency Fund 7 Side Hustle Ideas That Have Full-Time Income Potential![]() 7 Side Hustle Ideas That Have Full-Time Income Potential How To Invest $20: Make Your Money Work For You![]() How To Invest $20: Make Your Money Work For You Should You Invest Your Emergency Fund? [The Complete Answer]![]() Should You Invest Your Emergency Fund? [The Complete Answer] This thread inspired this article. This article was produced and syndicated by Invested Wallet. Via https://investedwallet.com/waste-of-time-and-money-for-womeny/ Saving is not easy, but avoiding or escaping financial hardship is necessary. There are a lot of different opinions about how to succeed. Is saving a viable option to move out of poverty to the middle class? Recently, people weighed in about whether saving is the key or if other factors come into play. It’s A Losing GameSaving out of poverty is more complex and challenging than many realize. A user, who we’ll call Stephanie, shared her experience climbing out of poverty. At sixteen, she lived off government assistance while managing school, a part-time job, and struggling with depression. In her opinion, there is no possible way to escape poverty through saving. Though she tried to save five dollars a week, all it took was her heater breaking. Then that money she saved went to repairs. Financial problems she did not foresee inevitably ate what little funds she put aside. She broke down how she made $500 every two weeks, then later on disability $870, and how fast that money disappeared. Rent, gas, utilities, internet, car insurance, food, and so on devour income. What little remains for saving vanishes when an unseen expense crops up. This is also someone who rarely bought clothes and never socialized in a manner that would require money. To Save Money, You Need A SurplusFortunately, Stephanie expressed “getting lucky” with a job with a better salary, and that’s when she could save. In her opinion, that is the only way to climb out of poverty. It’s not people overspending or laziness, but an impossible task because you have “less money than it costs to live.” With two children, Stephanie focuses on cutting extra expenses rather than earning more. She also wisely teaches her children how to manage finances. But she remembers saving when you lack money to survive is futile. The consensus for a few commenters is the same. It’s just logical. You remain destitute if you do not have enough to cover basic living costs. They agree that a job with a higher salary is “the best route.” Frugality and budgeting only come into play after you can meet necessities and have funds left over. Ignoring Societal IssuesDebates around savings ties into another claim, as one commenter points out. Minimum wage and blaming the poor for being poor. Rather than addressing how a society with a surplus of wealthy people still has others below the poverty line, they blame poor people for any frivolous purchase. They blame wasteful spending on “unnecessary things” like “daily lattes and avocado toast.” As another user states, it’s “easier to blame the victim.” Then there’s no work needed from society as a whole. The effort rests with the poor. It’s the “bootstrap” argument that implies hard work equals success. So if you’re unsuccessful, you are at fault. Unfortunately, some people still believe this. Choosing to Be PoorIt is a strange claim that people living on government aid avoid jobs that pay well so they do not lose assistance. One user claimed Stephanie chose to work just enough for this specific purpose. Military to the RescueRegarding jobs, some users opted for the military as their ticket out of poverty. After all, as a military member, you receive the necessities from medical coverage to housing to food, even covering the costs of a college education. One such individual even calls the military a “powerful social equalizer.” Though, as another pointed out, it’s sad if joining the military is the only option. Overall the consensus is you avoid poverty by saving. Income above living expenses is essential. This thread inspired this post. This article was produced and syndicated by Invested Wallet. Via https://investedwallet.com/no-poverty-escape/ We all work hard for our money, so it’s essential to spend it wisely. However, there are many things that people spend their money on that are a complete waste. From expensive cable packages to premium gasoline, many items marketed as “must-haves” are not worth the money. In this article, we’ll explore some of the most common things that people waste their money on and provide alternatives that can save you money without sacrificing quality or enjoyment. 1. Expensive Cable PackagesPaying for expensive cable packages is a complete waste of money. With the emergence of online streaming services like Netflix, Hulu, and Amazon Prime, cable TV is becoming increasingly irrelevant. These services provide a vast range of TV shows and movies, and you only pay a small fraction of the cost of cable packages. 2. Brand-Name MedicineBrand-name medicine is often marketed as being superior to generic drugs. However, the FDA requires generic drugs to have the same active ingredients, strength, dosage form, and route of administration as the brand-name version. In many cases, you can save a significant amount of money by purchasing generic drugs. 3. Extended WarrantiesMany retailers offer extended warranties on their products, but they’re often not worth the money. Products are usually covered by a manufacturer’s warranty, which is sufficient for most issues that may arise. Extended warranties are often expensive and come with a host of exclusions and limitations that make them difficult to use. 4. Lottery TicketsThe odds of winning the lottery are incredibly low, and the chances of winning a significant amount of money are even lower. Spending money on lottery tickets is essentially throwing money away, and it’s a better idea to save or invest the money instead. 5. Bottled WaterBottled water is a complete waste of money. Most bottled water comes from municipal water sources, so you’re essentially paying for something that you could get for free. Additionally, plastic bottles are harmful to the environment and contribute to the global plastic waste problem. 6. Premium GasolineUnless your car specifically requires premium gasoline, there is no need to buy it. Premium gasoline does not provide any significant benefits in terms of fuel efficiency or performance. You’re essentially paying more for something that won’t provide any real benefit to you or your vehicle. 7. Brand-Name Cleaning ProductsBrand-name cleaning products are often marketed as being superior to generic products, but this is not always the case. Many generic cleaning products contain the same active ingredients as their brand-name counterparts and are just as effective. By opting for generic products, you can save a significant amount of money without sacrificing quality. 8. High-End FashionHigh-end fashion brands often charge exorbitant prices for their products, and there’s often no real reason to justify the expense. In many cases, you’re paying for the brand name rather than the quality of the product. By opting for less expensive clothing brands, you can still look stylish without breaking the bank. 9. Expensive Gym MembershipsWhile going to the gym can be an excellent way to stay in shape, expensive gym memberships are often a waste of money. Many people sign up for fancy gym memberships with the best intentions but end up only going a few times before losing interest. Instead of committing to a $100+ gym membership, try finding free or low-cost options near you. 10. Unused SubscriptionsMany people sign up for subscriptions for things like magazines, streaming services, or meal delivery services and then forget to cancel them. If you’re not actively using a subscription, it’s a complete waste of money. Make sure to regularly review your subscriptions and cancel any that you’re not using.
This article was produced and syndicated by Invested Wallet.
Source: Reddit.
Via https://investedwallet.com/soul-searching-money/
The Advantages of Using Facebook MarketplaceOne significant benefit of Facebook Marketplace is its user-friendly nature, making it simple for buyers and sellers to navigate. It seamlessly integrates with the Facebook ecosystem, granting you access to many potential customers. It also offers various communication options, making it easy to interact with buyers while allowing you to sell without incurring hefty fees. In the end, Facebook Marketplace provides a convenient, low-cost, and efficient way to capitalize on the social media giant’s popularity and user base. Setting up Your Facebook Account for MarketplaceTo start selling on Facebook Marketplace, you must set up your account correctly. This involves creating a personal profile that reflects your credibility and trustworthiness. Use your real name, add a clear profile picture, and include relevant details like your hometown, job, and interests. Connecting with friends and family members is also essential, as it helps provide social proof and boosts your credibility as a seller. Finally, ensure your account is set to “Public” so your listings are easily accessible to potential buyers. Exploring The Facebook Marketplace InterfaceOnce your Facebook account is set up, familiarize yourself with the marketplace interface. Accessible from the main Facebook menu, the marketplace includes different categories for easy browsing. These include “Home & Garden,” “Electronics,” “Clothing,” and others. As a seller, understanding this layout will help you list your items in the appropriate sections, making it easier for potential buyers to find them. You can also use the search bar to track listings, discover trends, and monitor competitors to up your game. Understanding Facebook Marketplace Fees and ChargesA significant advantage of trying to make money on Facebook Marketplace is that it’s generally free, with no listing or selling fees for most product categories, enabling you to maximize your profits with minimal overhead costs. However, Facebook does charge fees for certain transactions, such as when selling vehicles or using the “Checkout on Facebook” option. Staying informed about these fees and charges is crucial to avoid surprises and maintain healthy profit margins. Deciding What To Sell on Facebook MarketplaceIf you don’t choose the right products to sell, you’ll have a tough time turning a profit on Facebook Marketplace. Start by conducting market research to gauge demand and find popular items in your local area. Then, consider things like pricing, competition, and potential profit margins to analyze if selling specific products is worthwhile. Also, focus on products that can be easily photographed and described to create appealing listings. Remember, the more enticing your product offerings, the greater your chances of success on the platform. Crafting an Effective Product Title and DescriptionA well-crafted product title and description are crucial for attracting buyers on Facebook Marketplace. Keep your title concise, descriptive, and include relevant keywords to ensure it appears in search results. Your description should provide thorough details about the item’s features, condition, and additional benefits. Address any frequently asked questions to reduce the number of inquiries you receive, and always be honest about the item’s status. Inaccurate or misleading information can lead to dissatisfied customers and harm your reputation as a seller. Using High-Quality Images for Your ListingsHigh-quality images play a pivotal role in catching the attention of potential buyers on Facebook Marketplace. Invest time in capturing clear, well-lit, and attractive pictures of your items. Use a clean, clutter-free background to focus on the product, and take multiple photos from different angles to showcase its features. Include close-ups of any unique elements, and highlight any possible flaws to maintain transparency. Remember, superior images increase the chances of your listing standing out from the competition and generating more sales. Choosing The Right Pricing StrategySetting the right price for your items is critical to maximizing profits on Facebook Marketplace. Research prices of similar products to determine a competitive range and consider how factors like an item’s condition, rarity, and demand may impact its value. Avoid overpricing, as this can deter potential buyers while underpricing may hurt your profit margins. You can also use “Price Negotiable” or “OBO (Or Best Offer)” to engage buyers in negotiation and potentially secure a better deal. Managing Buyer Communication and InquiriesMaintaining responsive communication with potential buyers is essential for fostering trust and closing sales on Facebook Marketplace. Respond promptly to messages and inquiries, and always strive to be polite, professional, and informative. Address questions and concerns with accurate information, and if you cannot meet a buyer’s specific request, provide alternatives or recommend other products you have for sale. Excellent communication skills not only contribute to successful transactions but can also inspire repeat business and positive reviews. Safe and Secure Transaction MethodsSafe and secure transactions are crucial for sellers and buyers on Facebook Marketplace. Use cash or secure payment platforms such as PayPal or Venmo for in-person transactions. Avoid accepting personal checks or wire transfers, as they can be associated with scams. When shipping items to buyers, use Facebook’s built-in payment system or a trusted external service for added security. Always provide a clear transaction record and communicate shipping details to maintain transparency and enhance buyer confidence. Meeting Buyers in Person: Safety Tips and Best PracticesAs in-person transactions are common on Facebook Marketplace, following safety guidelines when meeting buyers is crucial. Choose a well-lit, public location for the exchange, and inform a friend or family member of the meeting details. Insist on bringing a trusted companion, and refrain from inviting strangers into your home or visiting theirs. Verify the payment method beforehand and be prepared to negotiate if necessary. If any part of the interaction feels unsafe or suspicious, listen to your instincts and walk away. Shipping Options and Strategies for SellersWhen selling items that require shipping, consider different shipping options and strategies to cater to a broader audience and maximize profits. Offer both local pickup and shipping options to accommodate various preferences. Research shipping costs and options, such as USPS, UPS, and FedEx, to find the most suitable method for your items. Include shipping and handling costs in the listing or the product price, and state estimated delivery times clearly. Providing accurate shipping information and options helps avoid misunderstandings and keeps buyers satisfied. Handling Returns and Refunds on Facebook MarketplaceFacebook Marketplace doesn’t enforce a universal return policy. Nonetheless, handling returns and refunds professionally is essential for maintaining your reputation. Outline your return and refund policy in your listing to set clear expectations. If a buyer has a legitimate issue with a product, consider accepting returns or negotiating a partial refund to maintain customer satisfaction. Communicate openly and professionally to resolve disputes and reduce the likelihood of negative feedback. Boosting Your Listings for Increased VisibilityConsider using promotional techniques to increase your listings’ visibility on Facebook Marketplace. Share your listings on your personal timeline and in relevant Facebook groups to draw attention from potential buyers. Encourage friends and family to share your listings, expanding your reach even further. Ensure that your listings are up-to-date and well-maintained, and consider refreshing stale listings by temporarily removing them and reposting them later. These strategies can help boost visibility and ultimately lead to more sales. Staying Updated With Facebook Marketplace PoliciesFollowing Facebook Marketplace policies is vital to avoid delisting or account violations. Familiarize yourself with the platform’s guidelines, including restrictions on selling certain products, services, or offensive materials. Always ensure that your listings comply with these rules and maintain a respectful and professional demeanor. Regularly reviewing Facebook’s policies and updates will help you maintain your account in good standing and avoid disruptions to your business activities. Leveraging Facebook Marketplace for Business GrowthWhen used correctly, Facebook Marketplace can be an invaluable tool for business growth. Besides selling products, it enables you to gauge market trends, test new ideas, and capitalize on opportunities in your local area. Expand your customer base, connect with like-minded businesses, and leverage positive reviews to build a solid reputation. As your business grows, consider launching a Facebook Business Page and utilizing Facebook’s advertising options to increase your visibility and discover new audiences. Maximizing The Potential of Facebook MarketplaceFacebook Marketplace is a platform that offers numerous benefits for businesses to sell their products within their local communities. The platform’s user-friendly nature, low costs, and communication options make it easy for sellers to reach a diverse audience and maximize profits. Facebook Marketplace allows businesses of all sizes to sell their products and reach a large audience within their local communities. One of the most significant advantages of the platform is its user-friendly nature, making it easy for buyers and sellers to navigate. Overall, Facebook Marketplace is a valuable platform for businesses looking to sell their products within their local communities. Its user-friendly interface, low costs, and communication options make it an ideal platform for businesses to reach a diverse audience and maximize profits. This article originally appeared on Wealth of Geeks. Via https://investedwallet.com/facebook-marketplace-selling-guide/
The song remained on the Billboard charts for a whopping 46 weeks, making it the highest-peaking debut single to do so in 14 years. So, what exactly was it about this song that proved so popular? How was it able to achieve mass appeal and win over critics too? The Story Behind The SongFirst things first, “Baby Girl” is a bop. It is catchy enough to deserve repeat plays during a single listening session. But that’s not all it has to offer. Perhaps the most significant factor behind the song’s timeless popularity is its relatability. “Baby Girl” speaks to every dreamer who has ever left home searching for their destiny and is guaranteed to make them relate or reminisce. The song is autobiographical. Jennifer Nettles, one of the original members of Sugarland, confesses that the lyrics are about when she was broke and had to ask her parents for money to stay afloat. At the time, though, the final verse was yet to come true. She was still chasing her dreams and playing at bars and had opted out of traditional jobs that paid by the hour or were salaried. So, she wasn’t rich enough to send her parents money like the final verse claims. But, like a self-fulfilling prophecy, this debut single put them squarely on the map in the country music scene. The band went on to win a number of awards and even swept in a few Grammys, and in then end skyrocketing their net worth. The Meaning Behind Baby Girl’s LyricsThe song’s lyrics are pretty straightforward. A young musician writes to her parents to tell them she is alright but needs money to get by. She starts her letter by saying, “Dear Mom and Dad, please send money,” making the catchy and unforgettable line still sung today. She promises that she will make their dream come true soon. In the final verse, their baby girl declares that dreams do come true, and she is now rich and has the net worth to send them money. There are riches and diamonds all around her. But she does pine for home and says that no amount of money can make her stop missing her parents. Home is where all the warmth always lies, no matter how far away you run to chase your dreams. When the band wrote the song, they had yet to make their musical dreams come true. Interestingly, this very single was all it took to launch them into a fulfilling career full of fame and finery. Jennifer Nettles now has a net worth of $20 million, making the story of the song “Baby Girl” a reality for her. And why wouldn’t it? No matter when you listen to it, if you are or ever were a dreamer, the song will fill you with a yearning and hopefulness. For adults, it offers inspiration for bittersweet reminiscing and maybe even a chance to rejoice. It holds relevance for young ones just leaving home searching for what the heart desires. These factors together give the song its timeless and universal appeal. The History of SugarlandThe band that birthed “Baby Girl” also deserves credit. The country band Sugarland was formed in 2002. Originally, the band had three members — Jennifer Nettles (lead vocals), Kristian Bush (backup vocals and multiple instrument player), and Kristen Hall (vocals and guitar). It was founded in Atlanta, Georgia; all three members came from folk-rock backgrounds. Jennifer Nettles was part of the Jennifer Nettles Band and Soul Miner’s Daughter. While Hall was a solo artist before joining Sugarland, Bush was initially part of a duo named Billy Pilgrim. In 2004, they signed a contract with Mercury Nashville Records. While part of the label, they released four LPs and one Christmas studio album. Their debut LP, “Twice the Speed of Life,” was released in 2004. Other than “Baby Girl,” they released several other country-music hits and record-topping singles like “It Happens” and “Want To.” In 2005, they went on a tour with Brad Paisley. Their tour with Kenny Chesney followed this. During this time, Hall quit the band to pursue a solo career. Sugarland, thus, became a duo that enjoyed the height of fame for the next six years. In 2010, it released “Stuck Like Glue,” which is the title of the most downloaded country song ever. Sugarland went on hiatus in 2012. Both Bush and Nettles worked on their solo albums during this time but came together again in 2017. This is how their LP “Bigger” came into being. The Story Behind Sugarland’s NamingAs some may be aware, Sugarland is a bustling city in Texas that has hosted music artists from Master P to Taylor Swift. Interestingly, none of the band members hail from the saccharine-scented city, though. This begs the question – why the name? Well, as the story goes, when Kristen Hall joined the band, she suggested they name it Sugarland. She believed the name would perfectly represent all they stand for — sweetness and homecoming. Their album “Enjoy the Ride” included a song titled “Sugarland” to serve as a tribute to the band’s joyfully sweet name. Sugarland — An Icon Then and NowThere is a reason Sugarland and its earthy tunes stand the test of time even now. After all, who can ignore the scent of home and hearth? That’s what the band feels like — homecoming. “Baby Girl,” of course, completely encapsulates this feeling. It is the song of the dreamers and those whistling away on their way home after a hard day’s work. Because when Sugarland sang, “Dear Mom and Dad, Please send money,” generations across the world breathed a sigh of relatability and regret. Suddenly, we were not alone on this long road anymore. Even when we lose sight of our dreams, this song reminds us of our promise to our loved ones. We said we would make it. We remember we promised to make everyone proud. Remembering this gives us hope and adds to our sense of accountability. It is a promise of a warm meal by the fireplace when all is said and done. This article originally appeared on Wealth of Geeks. Via https://investedwallet.com/dear-mom-and-dad-please-send-money-inspo/ Whether you’re already a property owner or looking to invest in property, anticipating the cost of property taxes is vital for your budget, keeping you financially stable and your own bottom line. Property taxes may be confusing at first glance. Thankfully, you can plan appropriately for these taxes each year with the proper insight and understanding. What Are Property TaxesProperty tax is a local government tax on real estate or certain types of personal property, such as residential real estate or undeveloped land. The amount you pay depends on the assessed value of your land and any developed structures, such as a home or commercial properties. Specific tax rates vary based on your state and local municipality. Depending on the county or state, the value of a property might include the value and zoning of the parcel of land and other tangible fixtures, such as cabins, roadways, or developed campsites. How Property Taxes Are CalculatedWhile many annual taxes are based on income, property tax is unaffected by an individual’s earnings. Instead, taxation is based purely on the property’s assessed market value (an ad-valorem local or county tax). Property Tax and Real Estate Tax: Differentiating The TwoProperty and real estate tax are often considered the same, but they are different. Property tax is assessed on all property types, including land, homes, businesses, and personal property. Real estate taxes are only estimated on “real” property, such as land or buildings, and not tangible assets. Thus, real estate taxes are one subcategory of your overall property tax portfolio. The terms are usually used synonymously. Where Do Property Tax Funds GoProperty taxes fund essential local and state government programs that provide community services. Governments use these taxpayer funds to pay for infrastructure and public services, including schools, libraries, roads, police, community centers, emergency services, and firefighting. Taxpayers elect local leaders such as mayors, council people, and assembly members who decide how to allocate the money collected across the local needs. How To Calculate Property Tax RatesThe first step in calculating property taxes is to determine the taxable value of your property. Your local assessor’s office usually determines this value and is typically set at what the assessor considers “fair market value.” Yet, some assessors look at median home value. For a rough estimate, multiply the taxable value by the applicable tax rate. For example, if your home has a taxable value of $200,000 and a tax rate of 1.5%, your annual property taxes would be estimated at $3,000. Determining Your Area’s Millage RateFirst, you must find your local millage rate to determine your county’s tax rate. Millage rates are expressed in “mills,” equal to one-tenth of a cent (.001). This means that a mill rate of 2 mills equals an actual tax rate of 0.2%. You can usually find your local millage rate information on your county assessor’s website or contact the office directly. Understanding Property Tax AssessmentsProperty taxes are usually reassessed yearly in most areas (up to every three years for some areas). With reassessments every one to three years, you can expect fluctuations in your tax bill. Determining Property Tax ExemptionsProperty owners may also be eligible for certain tax exemptions that reduce their property tax burden. These include:
What if I Don’t Agree With My Property Tax BillUnfortunately, you cannot appeal a tax bill based on disagreement with the established millage rate for your location. Property tax laws are uniform across a county. However, if you feel your property appraisal is incorrect or you were not given an exemption you qualify for, you can submit an appeal. Check your tax surveyor’s website for steps and property tax forms to appeal in your locality. Since an elected official often determines fair market prices, keep in mind that changing millage rates would require political advocacy and system-wide changes. Some tax advocates believe property taxes are too high, while others believe a nationwide increase would benefit struggling communities. Furthermore, several third-party companies are experts in filing appeals for property appraisals. Most of these companies work on a commission basis, meaning they will handle the necessary filing with your local town, but they are entitled to keep a percentage of any savings they generate. How To Pay Property Tax FeesIf you received a property tax bill in the mail, you might wonder how to pay it. There are several different ways.
The Consequences of Missing a Tax Property Tax PaymentLike other taxes, not paying them can have dire consequences. Your county can place a lien on your home when you don’t pay or pay late. If you ever put the house up for sale, the county can recoup its money before any proceeds go to you, potentially affecting your net worth. Avoiding your property taxes can lead to foreclosure or being sent to a tax collector agency. Pay attention to your taxes if you are having severe difficulties. Contact your local tax office or county treasurer and inquire about setting up a payment plan for tax relief. Staying in touch will keep you out of trouble and help stave off penalties or interest charges for being delinquent. Property Taxes FAQYou now have all the basic information you need about property taxes. Now it’s time to review a few frequently asked questions to ensure you have all the necessary answers.a If I Invest in Real-Estate Investment Trusts or Funds (Reits), Do I Owe Property Taxes?All physical property in the U.S. incurs property taxes, but if you own a real estate fund, you won’t be responsible for paying taxes directly. The fund manager will handle paying all property taxes and will pass along these costs in their management fees. Why Are My Property Taxes So Expensive?Property taxes are based on the value of your home or tangible property at your home. If the value of your house goes up, your property tax bill is likely to go up as well. In some towns, a large portion of the town budget is made of up property taxes. In towns with more commerce or businesses, the property taxes could be lower. Do I Have To Pay Back Taxes?If you don’t pay your taxes on time and a lien is in place, you will likely have to pay back taxes. Contact your local tax office as soon as possible to make payment arrangements. Can I Appeal My Property Tax Bill?Yes, you can appeal if you think it was appraised incorrectly or were not given an exemption for which you qualify. Why Do I Have To Pay Property Taxes?Property taxes fund local government services such as schools, police departments, and public works. They also help support city infrastructure projects. They keep your neighborhood functioning. Are Property Taxes Deductible?Yes, if you itemize your deductions when filing your taxes, you can deduct the amount of money paid in property tax from your annual income. Can I Pay My Property Taxes With a Credit Card?Yes, most tax offices accept credit card payments. However, you will likely be charged an additional fee for using the service. Make sure to check with your local tax office before using this option. If the fee is low and you’re working towards a large value credit card sign-up bonus, it could be worth it, but make sure to do the math before deciding to charge your property taxes. Stay in The KnowOverall, staying on top of your property taxes is essential in keeping up with your bills and avoiding unnecessary fees or trouble. Carefully review your statements, keep up with payment deadlines, keep a budget for your annual taxes, and contact your local town tax office if you have any questions. This article originally appeared on Wealth of Geeks. Via https://investedwallet.com/what-are-property-taxes-guide/ Hobbies are a great way to spend your free time and improve your mental health. However, some hobbies can be quite expensive, which is why many people shy away from them. Fortunately, there are many hobbies that cost nothing to start, and you can enjoy them without breaking the bank. 1. Reading![]() Reading is a fantastic hobby that costs nothing to start. All you need is a library card or access to online reading platforms. Reading can take you to places you’ve never been before, expand your knowledge, and help you relax. There are millions of books available for free, from classic literature to contemporary fiction. 2. Writing![]() Writing is another hobby that requires nothing but your imagination and a writing tool. You can start a blog, write poetry or short stories, or even start working on your novel. Writing is a great way to express yourself and improve your writing skills. 3. Hiking![]() Hiking is an excellent way to explore the outdoors and get some exercise. All you need is a pair of comfortable shoes and a backpack with some water and snacks. You can find hiking trails in national parks, state parks, and local areas. Hiking is an activity that can be enjoyed alone or with friends and family. 4. Meditation![]() Meditation is a practice that has been around for thousands of years and has many benefits. It can reduce stress, anxiety, and improve your focus and concentration. To start meditating, all you need is a quiet place to sit and focus on your breathing. There are many resources available online to help you get started. 5. Drawing![]() Drawing is a fun hobby that can be done anywhere, anytime. All you need is a pencil and paper, and you can start creating. Drawing can help improve your creativity and fine motor skills. You can draw anything from landscapes to portraits, and there are many tutorials available online to help you improve your skills. 6. Gardening![]() Gardening is a relaxing hobby that can be done in your backyard or even on your balcony. You can start by growing herbs or vegetables, or even flowers. Gardening can help you connect with nature and is a great way to get some exercise. 7. Cooking![]() Cooking is a practical hobby that can save you money and improve your health. You can start by trying out new recipes or experimenting with ingredients you already have in your pantry. Cooking can be a fun and creative hobby, and there are many resources available online to help you improve your skills. 8. Calligraphy![]() Calligraphy is a beautiful art form that requires only a pen and paper. With practice, you can create stunning letters and designs that are perfect for cards, invitations, or just for fun. There are many free resources online to help you learn the basics and improve your skills. 9. Birdwatching![]() Birdwatching is a relaxing hobby that requires nothing but your eyes and ears. You can start by observing birds in your backyard or venture out to a park or nature reserve. It’s a great way to connect with nature and learn more about the birds in your area. 10. Yoga![]() Yoga is a practice that can improve your physical and mental health. All you need is a quiet space and a yoga mat or towel. There are many free resources online to help you learn the poses and breathing techniques, and you can practice anywhere. 9 Solid Ways to Make Money Online [And Earn $1,000+ Each Month]![]() 9 Solid Ways to Make Money Online [And Earn $1,000+ Each Month] 29 Hobbies That Make Money [The Simple List to Boost Income![]() 29 Hobbies That Make Money [The Simple List to Boost Income How to Stop Living Paycheck to Paycheck [Sooner Rather Than Later]![]() How to Stop Living Paycheck to Paycheck [Sooner Rather Than Later] How to Invest With Little Money [Your Best Options Today]![]() How to Invest With Little Money [Your Best Options Today] 11 Awesome Benefits of Budgeting Your Money![]() 11 Awesome Benefits of Budgeting Your Money This article was produced and syndicated by Invested Wallet. Source: Reddit. Via https://investedwallet.com/epic-hobbies-that-cost-zero-to-start/ Who doesn’t want to look rich and sophisticated without spending a fortune? The good news is that there are a plethora of cheap items out there that can elevate your style game without breaking the bank. We’ve scoured the internet to bring you some of the best and most affordable items that can make you look like a million bucks. 1. Scarves![]() Scarves are the ultimate fashion accessory and can add a touch of elegance to any outfit. Whether you opt for a silk, wool, or cashmere scarf, it can instantly make you look chic and stylish. They come in a variety of colors, prints, and sizes, so you can pick one that suits your style and personality. 2. Statement Jewelry![]() A piece of statement jewelry can completely transform your outfit and elevate your look. It could be a pair of bold earrings, a chunky necklace, or a statement ring. The key is to keep the rest of your outfit simple so that the jewelry takes center stage. 3. Sunglasses![]() Sunglasses are not just for protecting your eyes from the sun, they can also be a fashion statement. A classic pair of aviators or oversized sunglasses can instantly make you look like a celebrity. 4. Hats![]() A stylish hat can make you look like you just stepped off the runway. Whether it’s a beret, fedora or wide-brimmed hat, it can add a touch of sophistication to any outfit. 5. Watches![]() A classic timepiece can make you look like a person of importance. It doesn’t have to be an expensive brand; a simple and elegant watch can do the trick. It’s all about the style and the way you wear it. 6. Leather Accessories![]() Leather accessories such as belts, wallets, and bags can add a touch of luxury to any outfit. They’re durable, timeless, and can last a lifetime if you take care of them properly. 7. Nail Polish![]() A good manicure can go a long way in making you look polished and put-together. A simple coat of nail polish in a bold color can make your hands look more elegant and sophisticated. 8. Black Clothing![]() Black is always in style, and it has a timeless, classic appeal. It’s slimming and sophisticated and can be worn in a variety of settings. By investing in a few key pieces of black clothing, like a blazer, trousers, or a little black dress, you can elevate your wardrobe and look like a million bucks. 9. Blazers![]() Blazers are a classic item that can make you look instantly polished and professional. They can be dressed up or down and come in a variety of colors and styles, from structured to oversized. Whether you pair it with jeans or a skirt, a blazer will give you an air of sophistication and class. 10. Statement bags![]() A statement bag can elevate any outfit and make you look like a person of importance. It doesn’t have to be designer, but it should be unique and stand out. Look for bags with interesting shapes, textures, or colors to add some pizzazz to your outfit. Personal Finance Lessons $50,000+ of Debt Taught Me![]() Personal Finance Lessons $50,000+ of Debt Taught Me The Number One Reason Most People Are Broke Or Have No Emergency Fund![]() The Number One Reason Most People Are Broke Or Have No Emergency Fund 7 Side Hustle Ideas That Have Full-Time Income Potential![]() 7 Side Hustle Ideas That Have Full-Time Income Potential How To Invest $20: Make Your Money Work For You![]() How To Invest $20: Make Your Money Work For You Should You Invest Your Emergency Fund? [The Complete Answer]![]() Should You Invest Your Emergency Fund? [The Complete Answer] This article was produced and syndicated by Invested Wallet. Source: Reddit. Via https://investedwallet.com/fake-looking-rich/ |
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