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rainbowgothdisaster · 2 years ago
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vicvpcvke · 2 years ago
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That’s What She Said | Pt 2 ✽
| Eddie Munson x Female Reader
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It had been a few days since your little interaction with Munson in English, and honestly, you hadn’t thought much of it. He went back to his usual seat. Sometimes you glanced back at him when Ms. Hart made another naive comment, but that was the extent of your relationship with him. 
Today though, you were just concerned about stacking VHSs and managing Family Video on your own today. Robin had dipped last minute and Steve decided to blow you off for another date that would inevitably be unsuccessful; typical. You did the usual, stacking the shelves, turning on the day's movie, and making sure the Tom Cruise cardboard cut-out remained intact. 
You wouldn’t have noticed the customer walk in the door if the music through his headphones weren’t practically louder than the tv behind you. You looked up from your magazine, only to be met with familiar beady brown eyes, “Well, if it isn’t my failed assassin.”
Eddie Munson looked startled that you even acknowledged him. The boy pulled his headphones from his ears and placed them around his neck, looking back at the black van in the parking lot, “Oh, yeah. Sorry about that,” he said ignoring his awful park job. 
You huffed through your nose and proceeded to return to your magazine, “Appreciated.”
You didn’t pay much attention to him, to be honest, you didn’t even want to know what kind of movies he was into. Just as you were about to admire the hunk on the next page, a sudden crash of VHSs startled you. Your eyes immediately darted towards suspect number 1, who managed to catch 4 copies of Weird Science before laughing and setting them back. At least he wasn't a dick. 
Your eyes couldn’t help but follow him around the store, dancing in and out of isles and theatrically examining shelves top to bottom. He wove around the corner coming back to the main counter where he bent down and basically crawled along the floor, looking through all the movies set up by you. Eddie circled around to the front where you remained.
“Can I help you?�� You asked raising a brow. You could only see the top of his head. 
The customer stood up from his crouched position,“Ah um…Do you have any Monty Python?” Eddie rested his hands on the countertop, leaning his weight on them and gently rocking back and forth on his feet. You hadn’t seemed to have noticed his detailed rings before, how they were engraved into his hand and made a quiet when they touched an object, 
Your eyes reacted in a squinch, “You watch Month Python?”
“Why, am I not allowed to have good taste?” He clearly thought you were challenging him. 
“No, I just didn’t expect you to be a fan of British sketch comedy.”
“Yeah well, I didn’t expect you to be a Top Gun fan either,” he said pointing to the TV behind you.
You looked back, embarrassed that he would think that’s the kind of shit you watch, “Pft, trust me, I’m not. The amount of testosterone in that movie gives all the dudes more sexual tension than our basketball team,” you laughed. 
He let out a bit of a chuckle too, “No wonder jocks love it so much.”
The room was quiet as you typed the password into the computer only to be met with a failed attempt again and again, “Ah shit. Alright, guess we’re doing this the old fashioned way. Come with me we’ll try the back.” You waved him over to follow you, surprising him by allowing him into such a sacred room. 
“That’s what she said,” He mumbled while he caught up with you. 
“Ha. Ha. Very funny.”
You flicked on the light, revealing a never ending array of VHS covers. You headed straight for “M” while he darted to another section. You probably should’ve been more worried about what he’d get into-
You couldn’t help but physically cringe when another crash came from a few isles behind you, “No way you have Aliens,” he yelled louder than needed, “It barely hit theatres. Mind if I uh….”
“Yes, I do mind actually. Do whatever illegal shit you want just don’t get me involved.”
Eddie popped his head around the corner, the forbidden Aliens in hand, “Okay, what am I going to do with one copy?” 
You glanced over at him then went back to searching, “I don’t know, sell it to your dealer or something?”
“How could you think so low of me Y/n.” It went quiet again until he walked up behind you, just about pressing up against your back. You could’ve sworn you almost got nervous, but swiftly excused that thought, “It’s up there, Holy Grail,” he pointed.
You huffed, then looked around for the step stool but it was no where to be found. Steve must've taken it for something. Refusing to let Eddie grab it for you, you slowly started to climb up the shelf, praying to God - something you rarely did - it wouldn’t snap. You thought you felt Eddie move closer, his hands hovering above your waist as a precaution. You were just about to reach the movie, until the stupid robotic shopkeeper’s bell buzzed, startling you. You grabbed the movie but flinched back, losing your balance. You felt cool metal grab your midriff, slowing your fall and placing you back down on the ground. 
You expected to turn around and see a cheeky smile on his face, but instead, he expressed genuine concern, “You okay?” 
“yeah,” you snapped out of it, pulling the VHS from behind you back and pressing it to his chest, “perfect in fact.” 
He took the item from you, not breaking eye contact, “Sheesh, I was gonna ask if you did wanna go see Aliens some time, but if a doorbell scared you that badly,” he grinned. 
Did Munson just, very indirectly, ask you on a date? Before you could respond, a familiar raspy voice came from the main room, “Y/n? Hello! What if I was trying to rob the place?” Finally, one of your coworkers decided to show. 
“Back here Robs, one sec,” you yelled and waited a moment before jokingly pushing the boy off of you. Eddie followed you out of the backroom, subconsciously eyeing your waist as you walked. When you both stepped out, he cut past you, sneaking around the isles and slipping out the front door without saying a word. You thought it was strange, but Eddie Munson had his reasons. 
He knew what people thought about him. He knew that you probably didn’t want to be associated with that. If Robin had seen the both of you come out together, well, her detective mode would turn on like a light, and big mouth would blabber. Innocently, of course. He didn’t want you to have to tolerate any stupid rumours or gossip, but part of him selfishly wanted people to associate your names with each other.
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lovelygiftcardweb · 6 years ago
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Amazon Offering Codes For Free Amazon Gift Card Online.
People searches for the free amazon gift card codes and they grab it easily as well. But there should be website which can generate it for you. One of the website I can share with you is https://getamzn.com, the one I can trust on.Free Amazon Gift Card Generator No Survey 2018 – It is not uncommon thing to talk about Amazon. Amazon is very popular as the biggest online shop.  In times, Amazon expands their online shop to sell other stuffs like DVDs, CDs, movie, MP3’s and VHSs. Amazon also attracts the consumers by selling software, video games, electronics, music, furniture, food and beverage, cloth, stone, and even children toys. What a big Wow!
Tumblr media
Amazon is known to be kind-hearted online shop, therefore, it reaches millions consumers just in a few times period. In United Nation, Amazon is the first shop which runs the buying-selling trough internet access. It means, Amazon inspires people to use technology to carry out the business. Free Amazon Gift Card, Consider the online transaction and payment that Amazon used, it is certain that Amazon also enables consumers to make payment using debit card, credit card, as well as gift card. Gift card is very easy to create including Amazon gift card. Even you can get many Amazon gift cards as you wish.
Everybody with intention to get Amazon gift card should pay attention to the Amazon server. Make sure that you can open the web of Amazon and get the Amazon tools work. In this care you can be able to obtain free Amazon gift card generator 2018. What you need to know previously is that in amazon, there is free Amazon gift card generator tool online. As a proof, it means that Amazon is a trusted online shop with online payment or transaction. To get the free Amazon gift card generator, you would just simply go to Amazon website and follow the steps in the Amazon gift card generator tools. Then, you will be given a promo code absolutely without the need to pay.
Amazon is still the largest shopping site and have all kind of goods. You name it and there you could find everything that can be purchased online.However, the problem everyone face is of not having enough amount of money/credits to purchase products.How To Get Free Amazon Gift Cards, I have seen my friends, including myself saving every penny we could to buy latest devices, books, clothes,electronics and other items as well in 2017/2018.You know, I have been in your shoes and searched for Amazon gift card code generator. After doing it for some days, I realized it’s a complete waste of time and no one will ever win like this. The reason being the websites I visited were just making fool of me.
Don’t worry, You’ll get to know everything in detail about this Amazon generator.You are lucky that you reached here and keep in mind this is the only working site you would need from now on for free amazon codes. Below you can read more on How I got these free amazon gift cards and how you can get one too for free.
The Gift card code generator is an online module which make use of Amazon codes from our database list and provides a code from unused list.You can rest assured that each free Amazon coupon/card/code is tested before delivering.In most cases, it make sure that it’ll work without any sort of surveys completion and no need of human verification as well.One you received the code, it can be easily redeemed on your account in a click. Now you can shop for all the items you always wanted to have.Free Unused Amazon Gift Card Codes No Survey.
Most generators are just pure fake websites who earn advertising money by making fool of young individuals.I would advise to stay away from these sort of generators.
Click the button in blue color and you will be asked to go back to “Amazon gift card generator” to complete the process. After that, you are able to create gift code generation. Thus, you get free Amazon gift card generator 2018. Next, you are still in on-going process. You must select the value of the gift card as you wish and hit the generate button. Look at the page all over, there will be a survey and you have to complete it by filling any offer that you feel it doesn’t takes time to do it. When you have completed the survey, Amazon gift card will be there for you.
One of the benefits of making use of free Amazon gift card is that no need to use other kinds of payment or transaction for you have paid it forward. Interestingly, next future purchase by Amazon gift card will be counted some discounts. The second benefit is that anything sold in Amazon will actually suit your budget. The free Amazon gift card has covered the balance, so that, you don’t need to feel confused in getting lost of the payment. It makes you focuses only what you need to have and buy then. The next benefit of using free Amazon gift card is in fact that the card has no expiration date. You can use it anytime you want as long as you have enough credit balance. In comparison, credit card or debit card usually and normally have about 2 to 4 years of expiration date. Thus, free Amazon gift card would be the right choice to have.
Tumblr media
At the forth benefit, unlike credit card or debit card in which the transaction costs a lot, there will be no transaction cost in using free Amazon gift card. No charge of making purchase, no charge of making payment. This is very advantageous when you buy a lot of things at Amazon. This benefit makes the cardholders think twice in using free gift card. They must consider this great benefit of Amazon gift card. Considering the easy ways of using free Amazon gift card, why don’t just try to create and make use of it? Amazon which is selling many various things online, I personally suggest you that you had better take one of its advantages by using it to buy and sell on Amazon. The free Amazon gift card generator 2018 is also easy to find and hold. And it is very interesting to use the gift card.
Designed as a worldwide payment tool, free Amazon gift card is too much interesting and fun. Imagine that you already got a free Amazon gift card generator 2018 with balance you have decided, you can buy anything you want in Amazone with the reachable price. You will not worry of getting lost of payment when you are buying items that is not on your list.Free Amazon Gift Card No Surveys.
So, what do you finally think now? Still stay with kinds of old payment or have already taken an action about free Amazon gift card? Never take times to think about. Get it now and make your trade incredible. You will have a great experience and fun shopping without feeling worry.
0 notes
grabamzn-blog · 5 years ago
Text
First Policy To Bring Free Amazon Gift Card Codes Fastly
Free Amazon Gift Card Generator No Survey 2018 – It is not uncommon thing to talk about Amazon. Amazon is very popular as the biggest online shop. Amazon, named as Amazon, started with just online bookstore in which many kinds of book are sold online. In times, Amazon expands their online shop to sell other stuffs like DVDs, CDs, movie, MP3’s and VHSs. Amazon also attracts the consumers by selling software free Amazon gift card codes video games, electronics, music, furniture, food and beverage, cloth, stone, and even children toys. What a big Wow! Amazon is known to be kind-hearted online shop, therefore, it reaches millions consumers just in a few times period. In United Nation, Amazon is the first shop which runs the buying-selling trough internet access.
How To Get Free Amazon Gift Cards
It means, Amazon inspires people to use technology to carry out the business. Consider the online transaction and payment that Amazon used, it is certain that Amazon also enables consumers to make payment using debit card, credit card, as well as gift card. Gift card is very easy to create including Amazon gift card. Even free Amazon gift card you can get many Amazon gift cards as you wish. Everybody with intention to get Amazon gift card should pay attention to the Amazon server. Make sure that you can open the web of Amazon and get the Amazon tools work. In this care you can be able to obtain free Amazon gift card generator 2018. What you need to know previously is that in amazon, there is free Amazon gift card generator tool online. As a proof, it means that Amazon is a trusted online shop with online payment or transaction. To get the free Amazon gift card generator, you would just simply go to Amazon website and follow the steps in the Amazon gift card generator tools. Then, you will be given a promo code absolutely without the need to pay. Amazon is still the largest shopping site and have all kind of goods. You name it and there you could find everything that can be purchased online. However, the problem everyone face is of not having enough amount of money/credits to purchase products. I have seen free Amazon gift card codes my friends, including myself saving every penny we could to buy latest devices, books, clothes, electronics and other items as well in 2017/2018.You know, I have been in your shoes and searched for Amazon gift card code generator. After doing it for some days, I realized it’s a complete waste of time and no one will ever win like this. The reason being the websites I visited were just making fool of me.
Introduction
Don’t worry, You’ll get to know everything in detail about this Amazon generator. You are lucky that you reached here and keep in mind this is the only working site you would need from now on for free amazon codes. Below you can read more on How I got these free amazon gift cards and how you can get one too for free. The Gift card code generator is an online module which make use of Amazon codes from our database list how to get free Amazon gift cards and provides a code from unused list. You can rest assured that each free Amazon coupon/card/code is tested before delivering. In most cases, it make sure that it’ll work without any sort of surveys completion and no need of human verification as well. One you received the code, it can be easily redeemed on your account in a click. Now you can shop for all the items you always wanted to have. Most generators are just pure fake websites who earn advertising money by making fool of young individuals.I would advise to stay away from these sort of generators. Click the button in blue color and you will be asked to go back to “Amazon gift card generator” to complete the process. After that, you are able to create gift code generation. Thus, you get free Amazon gift card generator 2018. Next, you are still in on-going process. You must select the value of the gift card as you wish and hit the generate button. Look at the page all over, there will be a survey and you have to complete it by filling any offer that you feel it doesn’t takes time to do it. When you have completed the survey, Amazon gift card will be there for you.  One of the benefits of making use of free Amazon gift card is that no need to use other kinds of payment or transaction for you have free Amazon gift card code generator paid it forward. Interestingly, next future purchase by Amazon gift card will be counted some discounts. The second benefit is that anything sold in Amazon will actually suit your budget. The free Amazon gift card has covered the balance, so that, you don’t need to feel confused in getting lost of the payment. It makes you focuses only what you need to have and buy then. The next benefit of using free Amazon gift card is in fact that the card has no expiration date. You can use it anytime you want as long as you have enough credit balance. In comparison, credit card or debit card usually and normally have about 2 to 4 years of expiration date. Thus, free Amazon gift card would be the right choice to have. At the forth benefit, unlike credit card or debit card in which the transaction costs a lot, there will be no transaction cost in using free Amazon gift card. No charge of making purchase, no charge of making payment. This is very advantageous when you buy a lot of things at Amazon. This benefit makes the cardholders think twice in using free gift card. They must consider this great benefit of Amazon gift card. Considering the easy ways of using free Amazon gift card, why don’t just try to create and make use of it? Amazon which is selling many various things online, I personally suggest you that you had better take one of its advantages by using it to buy and sell on Amazon. The free Amazon gift card generator 2018 is also easy to find and hold. And it is very interesting to use the gift card.
Conclusion
Designed as a worldwide payment tool, free Amazon gift card is too much interesting and fun. Imagine that you already got a free Amazon gift card generator 2018 with balance you have decided, you can buy anything you want in Amazon with the reachable price. You will not worry of getting lost of payment when you are buying items that is not on your list. So, what do you finally think now? Still stay with kinds of old payment or have already taken an action about free Amazon gift card? Never take times to think about. Get it now and make your trade incredible. You will have a great experience and fun shopping without feeling worry.
0 notes
myfinancialguideme-blog · 5 years ago
Text
6 Finance Trends Impacting Millennials & How You Can Use Them To Save $ Betches
New Post has been published on https://financeguideto.com/must-see/6-finance-trends-impacting-millennials-how-you-can-use-them-to-save-betches/
6 Finance Trends Impacting Millennials & How You Can Use Them To Save $ Betches
Adulting is hard af. You don’t have someone to make your lunch for you every day or clean up the house. You need to take out the trash yourself, and don’t get me started on paying the bills. In 2019, the state of our personal finances has drastically changed from when our parents were young. Sometimes for the worst, but sometimes for the better. Alexa von Tobel, the founder of Inspired Capital and New York Times bestselling author, sums up the six biggest financial trends in her new book, Financially Forward: How To Use Today’s Digital Tools To Earn More, Save Better, and Spend Smarter, out now. She lays out where we’re losing money (oy vey) and how we can save more (thank the lord). Her book is a much-needed reality check, and can teach you how to not be broke by the time you reach 50. (And it isn’t just about cutting back on the drinking. I hope.) Here are the top six finance trends and advice outlined in von Tobel’s book, and how you can use those trends to your advantage.
Trend #1: We’re Living Longer
It’s no shocker that we are living longer than 50 years ago. Science (and my killer wrinkle-reducing night cream) tends to do that. While only 12% of the population was over 65 in 2000, it is estimated that 20% of Americans will be 65 or older by 2050. She says, “the majority of us underestimate the average life expectancy. This may sound like no big deal, but underestimating how long you might live can also mean underestimating how much money you’ll need to live comfortably after you retire.” So while you may think investing in those designer shoes is fine now, think about when you’re 75 and homeless. At least you’ll have cute shoes, right?
Living longer also means that we’re retiring later. The average life expectancy for an American woman is 81.1. So while some people retire at 65, a study by Northwestern Mutual found that 38% of people wait until they are in their 70s. Additionally, von Tobel says that “the idea of a completely work-free retirement is a bit of a myth for today’s retirees.” Just think of those cute old people working as greeters at Walmart.
Advice: Build your financial plan with the assumption that you will live well past 65. Alexa recommends assuming you’ll live to 95. But if your family members have lived to be over 100, assume you will too and plan accordingly. Also, consider the idea of working part-time once you retire.
Trend #2: Family Structures Are V Different
Our families are no longer the 1950s sitcom version of the average American family: husband and wife. picket fence, 2.5 kids (WTF is 2.5 kids?). But how are our families changing? For starters, we are getting married later. In the 90s, women and men would get married, on average, at 24 and 26, respectively. Although my great aunt never fails to remind me that she had already had four kids at my age, Americans are now waiting until their late 20s to get married. Similarly, “DINK” Status is very much a thing (dual-income, no kids) since people are shacking up before getting hitched. According to the Bureau of Labor Statistics, “combining your finances with a second earner leads to more money in the bank.” Well, no duh. The thing is, not only do you have more money in the bank, but you tend to save money as well (just under $7,000 a year). Anyone down to move in with me and we can split the savings?
But on the costlier side of our changing family structures, there is the cost of raising children. In 2015, the cost of raising a child from birth to 17 (not including college), was about $233,000. That doesn’t even factor in if you need costly treatments to help you get pregnant. For IVF, costs have sky-rocketed from 10 years ago, increasing by $3,600 for one round of treatment, according to Jake Anderson-Bialis, co-founder of FertilityIQ. That means a single round of treatment usually costs more than $10,000. However, most people do two or three treatments, which drastically increases the price. Finally, there is the concept of the “Sandwich Generation,” aka you might end up living with or financing your kids and your parents at the same time. Joy.
Advice: Speak openly with your family about costs. Before your parents are too far down the rabbit hole (sorry), discuss what savings they have for long-term care. Make sure to keep all these different family-related costs in mind when you’re figuring out savings. The best rule of thumb is always to plan ahead.
Trend #3: Our Earning Potential Is Flexible
Have you ever gotten an urgent message from your boss late at night to do something before the next morning? Or gotten a call to come into work early? Hate to break it to you, but this is the new normal. The majority of jobs are no longer a basic 9-5. And for many people, holding one job just doesn’t cut it anymore. 40% of independent workers have a side hustle to make some extra cash for savings or for a big purchase, like a house. Others (16%) do it out of necessity. Then there are the “free agents” like freelancers or Uber drivers. 30% are in this field because they like the flexibility, while others want a full-time job but are using this as their primary income at the moment.
Advice: Use side hustles to your advantage. Figure out what you want and use the flexibility of part-time work to reach your goals easier and quicker.
Trend #4: Our Career Paths Are Fluid, And Sabbaticals Are In
What’s great about our generation is that we are indecisive have the flexibility to change career paths if we are unhappy or want different opportunities. On average, those who graduated college from 2006 to 2010 have held twice as many jobs as people who graduated between 1986 and 1990 did in the same amount of time. But people aren’t just changing companies, they are also changing entire career paths. According to von Tobel, there is “no such thing as it being ‘too late’ to pursue an entirely new path.”
Like those adorable matching sets every girl on Instagram wears during the summer, sabbaticals are in. Think of it as an “adult gap year”. It’s all about increasing your learning, and whatever other BS your university guidance counselor told you about your year abroad. But while taking an extended vacation may seem like the best thing ever a load of crap, employers are getting on board. Hear me out. Over a three-year period, those who took more than 10 vacation days were 31% more likely to get a bonus or raise compared to those who took fewer than 10 days off.
Advice: If you’re deciding on whether to take a job, check out the company’s policy with regards to taking time off work. You should also plan ahead with your finances if you’re able to. If you can, allow yourself the funds to take that time off work.
Trend #5: Everything Is On-Demand
Our lives today are all about instant gratification. I’m not going to lie that I don’t get annoyed when my Uber takes longer than 5 minutes to arrive or my Amazon Prime package doesn’t come the next day. Patience is non-existence. While 22% of people shopped online in 2000, 80% shop online today. Crazy. Since nothing is off-limits, there is tons of competition, which keeps the prices (fairly) low. The best part of having everything accessible to us? Saving money. As someone who loves a good deal, being able to compare prices of the same product at different stores is the best feeling. Like, sex is cool, but saving $50 is better.
Advice: von Tobel says that while this is great, impulse shopping is dangerous. So beware.
Trend #6: Forget Ownership. Sharing is Caring
If I told my mom that I was staying in a stranger’s house when I traveled Europe last year, or regularly get into randos’ cars, she would have a heart attack. But today, Airbnb and Uber are the new normal. These services allow us to save money by sharing stuff and make money by letting others borrow it. And who needs a car in a busy city when you basically have your own chauffeur? These services allow us to cut down on what we have (Marie Kondo is so in and von Tobel approved) and save $$$. You also can stream movies and show online, instead of buying DVDs (or VHSs … yikes) and even borrow clothes instead of buying a dress you’ll wear once.
Advice: Keep on sharing!
For more of Alexa’s financial advice, pick up a copy of Financially Forward: How To Use Today’s Digital Tools To Earn More, Save Better, and Spend Smarter, out now.
Images; Giphy (5)
Read more: https://www.betches.com
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financingideas-blog · 5 years ago
Text
6 Finance Trends Impacting Millennials & How You Can Use Them To Save $ Betches
New Post has been published on https://financeqia.com/must-see/6-finance-trends-impacting-millennials-how-you-can-use-them-to-save-betches/
6 Finance Trends Impacting Millennials & How You Can Use Them To Save $ Betches
Adulting is hard af. You don’t have someone to make your lunch for you every day or clean up the house. You need to take out the trash yourself, and don’t get me started on paying the bills. In 2019, the state of our personal finances has drastically changed from when our parents were young. Sometimes for the worst, but sometimes for the better. Alexa von Tobel, the founder of Inspired Capital and New York Times bestselling author, sums up the six biggest financial trends in her new book, Financially Forward: How To Use Today’s Digital Tools To Earn More, Save Better, and Spend Smarter, out now. She lays out where we’re losing money (oy vey) and how we can save more (thank the lord). Her book is a much-needed reality check, and can teach you how to not be broke by the time you reach 50. (And it isn’t just about cutting back on the drinking. I hope.) Here are the top six finance trends and advice outlined in von Tobel’s book, and how you can use those trends to your advantage.
Trend #1: We’re Living Longer
It’s no shocker that we are living longer than 50 years ago. Science (and my killer wrinkle-reducing night cream) tends to do that. While only 12% of the population was over 65 in 2000, it is estimated that 20% of Americans will be 65 or older by 2050. She says, “the majority of us underestimate the average life expectancy. This may sound like no big deal, but underestimating how long you might live can also mean underestimating how much money you’ll need to live comfortably after you retire.” So while you may think investing in those designer shoes is fine now, think about when you’re 75 and homeless. At least you’ll have cute shoes, right?
Living longer also means that we’re retiring later. The average life expectancy for an American woman is 81.1. So while some people retire at 65, a study by Northwestern Mutual found that 38% of people wait until they are in their 70s. Additionally, von Tobel says that “the idea of a completely work-free retirement is a bit of a myth for today’s retirees.” Just think of those cute old people working as greeters at Walmart.
Advice: Build your financial plan with the assumption that you will live well past 65. Alexa recommends assuming you’ll live to 95. But if your family members have lived to be over 100, assume you will too and plan accordingly. Also, consider the idea of working part-time once you retire.
Trend #2: Family Structures Are V Different
Our families are no longer the 1950s sitcom version of the average American family: husband and wife. picket fence, 2.5 kids (WTF is 2.5 kids?). But how are our families changing? For starters, we are getting married later. In the 90s, women and men would get married, on average, at 24 and 26, respectively. Although my great aunt never fails to remind me that she had already had four kids at my age, Americans are now waiting until their late 20s to get married. Similarly, “DINK” Status is very much a thing (dual-income, no kids) since people are shacking up before getting hitched. According to the Bureau of Labor Statistics, “combining your finances with a second earner leads to more money in the bank.” Well, no duh. The thing is, not only do you have more money in the bank, but you tend to save money as well (just under $7,000 a year). Anyone down to move in with me and we can split the savings?
But on the costlier side of our changing family structures, there is the cost of raising children. In 2015, the cost of raising a child from birth to 17 (not including college), was about $233,000. That doesn’t even factor in if you need costly treatments to help you get pregnant. For IVF, costs have sky-rocketed from 10 years ago, increasing by $3,600 for one round of treatment, according to Jake Anderson-Bialis, co-founder of FertilityIQ. That means a single round of treatment usually costs more than $10,000. However, most people do two or three treatments, which drastically increases the price. Finally, there is the concept of the “Sandwich Generation,” aka you might end up living with or financing your kids and your parents at the same time. Joy.
Advice: Speak openly with your family about costs. Before your parents are too far down the rabbit hole (sorry), discuss what savings they have for long-term care. Make sure to keep all these different family-related costs in mind when you’re figuring out savings. The best rule of thumb is always to plan ahead.
Trend #3: Our Earning Potential Is Flexible
Have you ever gotten an urgent message from your boss late at night to do something before the next morning? Or gotten a call to come into work early? Hate to break it to you, but this is the new normal. The majority of jobs are no longer a basic 9-5. And for many people, holding one job just doesn’t cut it anymore. 40% of independent workers have a side hustle to make some extra cash for savings or for a big purchase, like a house. Others (16%) do it out of necessity. Then there are the “free agents” like freelancers or Uber drivers. 30% are in this field because they like the flexibility, while others want a full-time job but are using this as their primary income at the moment.
Advice: Use side hustles to your advantage. Figure out what you want and use the flexibility of part-time work to reach your goals easier and quicker.
Trend #4: Our Career Paths Are Fluid, And Sabbaticals Are In
What’s great about our generation is that we are indecisive have the flexibility to change career paths if we are unhappy or want different opportunities. On average, those who graduated college from 2006 to 2010 have held twice as many jobs as people who graduated between 1986 and 1990 did in the same amount of time. But people aren’t just changing companies, they are also changing entire career paths. According to von Tobel, there is “no such thing as it being ‘too late’ to pursue an entirely new path.”
Like those adorable matching sets every girl on Instagram wears during the summer, sabbaticals are in. Think of it as an “adult gap year”. It’s all about increasing your learning, and whatever other BS your university guidance counselor told you about your year abroad. But while taking an extended vacation may seem like the best thing ever a load of crap, employers are getting on board. Hear me out. Over a three-year period, those who took more than 10 vacation days were 31% more likely to get a bonus or raise compared to those who took fewer than 10 days off.
Advice: If you’re deciding on whether to take a job, check out the company’s policy with regards to taking time off work. You should also plan ahead with your finances if you’re able to. If you can, allow yourself the funds to take that time off work.
Trend #5: Everything Is On-Demand
Our lives today are all about instant gratification. I’m not going to lie that I don’t get annoyed when my Uber takes longer than 5 minutes to arrive or my Amazon Prime package doesn’t come the next day. Patience is non-existence. While 22% of people shopped online in 2000, 80% shop online today. Crazy. Since nothing is off-limits, there is tons of competition, which keeps the prices (fairly) low. The best part of having everything accessible to us? Saving money. As someone who loves a good deal, being able to compare prices of the same product at different stores is the best feeling. Like, sex is cool, but saving $50 is better.
Advice: von Tobel says that while this is great, impulse shopping is dangerous. So beware.
Trend #6: Forget Ownership. Sharing is Caring
If I told my mom that I was staying in a stranger’s house when I traveled Europe last year, or regularly get into randos’ cars, she would have a heart attack. But today, Airbnb and Uber are the new normal. These services allow us to save money by sharing stuff and make money by letting others borrow it. And who needs a car in a busy city when you basically have your own chauffeur? These services allow us to cut down on what we have (Marie Kondo is so in and von Tobel approved) and save $$$. You also can stream movies and show online, instead of buying DVDs (or VHSs … yikes) and even borrow clothes instead of buying a dress you’ll wear once.
Advice: Keep on sharing!
For more of Alexa’s financial advice, pick up a copy of Financially Forward: How To Use Today’s Digital Tools To Earn More, Save Better, and Spend Smarter, out now.
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Read more: https://www.betches.com
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lovelygiftcardweb · 6 years ago
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Free Amazon Gift Card- How to Get Free Amazon Gift Cards, No Survey Required 2019 For Free Amazon Gift Card Codes
Introduction
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Brief Description
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https://www.youtube.com/watch?v=deDDmO6-WD8
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Summary
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