#budgeting on an irregular income

[my-financials]

Navigating the Financial Challenges of the Gig Economy: A Comprehensive Guide for Young Adults

🌟 Dive into the gig economy with our latest guide! 🚀 Tips on budgeting, saving, & taxes for freelancers. Make your gig work financially rewarding! 💼💰 #GigEconomy #FinancialTips #FreelanceLife 📈💸

Embracing the Flexibility with a Financial Plan The gig economy, a bustling marketplace of freelance and short-term work, has become an increasingly popular career path for young adults. It offers unparalleled flexibility and autonomy, but with this freedom comes unique financial challenges. This article aims to guide you through managing your finances effectively while thriving in the gig…

[cheaphousespending]

How to Budget With Irregular Income

If you’re trying to figure out how to budget with irregular income, we’ve got the solution for you. We can’t change the fact that you don’t know exactly when or how much you will get paid, but we can teach you to be in total control of your money, and stop stressing about it! This eight-part series will teach you exactly how to budget successfully and meet your financial goals despite your…

[mariacallous]

A recent report from the British House of Lords laments that the European Union has chosen “stability over democratic values” in the Western Balkans and expresses “serious concern that gains made towards good governance and the rule of law are in danger of being lost as countries in the region turn to authoritarian leadership.” As ironic as it may be for an unelected institution like the House of Lords to fret over democratic values, the authors of the report have a point: most post-Yugoslav governments have become “stabilitocracies” rather than democracies — and nowhere is this dynamic more evident than in Serbia.

Since returning to government in 2012 following a 12-year spell in opposition, Aleksandar Vucic has methodically climbed Serbia’s political ladder, rising from defense minister to prime minister before finally ascending to the presidency last spring. President Vucic is a reformed ultranationalist who served as Slobodan Milosevic’s minister of information in the final days of the Yugoslav wars, a role that involved fining journalists who criticized the regime and banning unfriendly TV networks. In recent years, he has presided over a period of alarming democratic backsliding. His ruling center-right Serbian Progressive Party enjoys a complete stranglehold on Serbia’s government, judiciary, and security services, and he has neutered the local media to such an extent that only a handful of outlets have dared to publicize the substantial allegations of corruption, cronyism, and voter intimidation that have plagued his time in office.

Over the last six years, Vucic has established what could best be described as a soft autocracy: On the surface, Serbia is still a democratic society with nominally free elections and a political opposition, where dissenting voices are able to criticize the ruling party without fear of mysteriously disappearing in the night. But Vucic’s control over Serbia’s centers of power is so complete and the democratic process is so skewed in his favor that dissent poses no threat to his rule.

His political opponents are free to run against him, but they have few means to make their voices heard. The country’s institutions are so totally controlled by Vucic’s allies that there is nothing to stop him from subverting democratic norms.

This is most evident in the media. Vucic has managed to strangle the press by taking control of its main income stream: advertising. Most of the country’s advertising agencies are owned by a handful of media tycoons loyal to Vucic, who, rather than basing publicity budgets on market factors, buy advertising space from TV stations and newspapers that give the president favorable coverage and withhold funds from those that criticize him. Media outlets have another incentive to toe a pro-government line: RTV Pink, the country’s biggest private broadcaster, received at least 7 million euros in government loans between 2014 and 2016. According to Dubravka Valic Nedeljković, a professor of media studies at the University of Novi Sad, when Vucic ran for president in 2017, Pink returned the favor by devoting 267 times more coverage to his campaign than to all of his opponents combined. Although few newspapers or TV stations function as outright government mouthpieces, most avoid asking any difficult questions.

Those who try to hold leaders accountable often find their bank accounts blocked by the tax authorities while they’re placed under investigation for alleged financial irregularities. Danas, a prominent independent newspaper, has lost so many advertisers that its daily edition now fits on 24 pages instead of the usual 32, despite offering the cheapest advertising space on the market. Individual journalists who have been too stinging in their criticisms of the president have been taken in for questioning by the BIA, Serbia’s national intelligence agency, on charges as outlandish as blackmail and sex trafficking.

In an interview with Radio Free Europe in October 2017, the president of the European Federation of Journalists, Mogens Blicher Bjerregard, singled out Serbia as the nation with the worst violations of media freedom in the Balkans. Yet EU officials such as Johannes Hahn, the European commissioner for European neighborhood policy and enlargement, have been more than happy to look the other way as Vucic tramples on the “European values” that they purportedly hold so dear. Austria’s new chancellor, Sebastian Kurz, once gushingly described him as “an anchor of stability,” while German Chancellor Angela Merkel recently told Vucic that “we are impressed by how successful Serbia is on its way to reform.” Their silence regarding his antidemocratic behavior is deafening.

As long as Serbia remains outside the European Union, Brussels is able to dissociate itself from Vucic’s antics. Unlike Viktor Orban’s illiberal democracy in Hungary, Serbia’s soft autocracy isn’t a stain on the European brand.

Vucic may be a poor representative for the European project, but he is a reliable enabler who allows Brussels to move closer to its geostrategic goals in the Balkans.

Indeed, Vucic offers stability in a volatile region and has successfully overseen a series of International Monetary Fund austerity measures to reduce Serbia’s debt and budget deficit by cutting public sector wages and pensions, which are part of a much wider restructuring of the Serbian economy aimed at meeting EU enlargement criteria. For all his democratic failings, Vucic is a relative moderate by Serbian political standards, and his domination of national politics ensures that unrepentant ethnic chauvinists like Vojislav Seselj, Milosevic’s former deputy prime minister who spent 11 years on trial at The Hague fighting charges of crimes against humanity, remain marginalized. He’s been hitting all the right notes on Kosovo and recently declared that “we must live and work together successfully.” Normalizing relations between Serbia and Kosovo, which would set the ground for an eventual recognition of its independence, is arguably the EU’s top priority in the Balkans.

EU officials are also wary of exerting too much pressure on Vucic lest he look east instead. The Serbian president maintains close ties to the Kremlin, and some of his local critics have accused him of leveraging that relationship against Brussels. Vucic is adamant that, unlike neighboring Montenegro, Serbia will never join NATO, and he refused to follow the lead of Western powers in imposing sanctions on Russia. This is because pro-Russian sentiment runs high in Serbia: The two countries are connected by their shared Orthodox Christian faith and Slavic heritage. “Serbia won’t be changing its policy … and will not impose sanctions on Russia,” Vucic said after a recent meeting with Russian Foreign Minister Sergey Lavrov. In June 2017, just a day after Montenegro’s accession to NATO, Serbian troops took part in a joint military exercise with Russia and Belarus near the Polish border, and the Serbian military later that year received a donation of six fighter jets from Moscow, which also promised 30 tanks and 30 armored vehicles.

Serbia’s efforts to play both sides haven’t gone down well in Washington. Texas Democratic Rep. Eddie Bernice Johnson wrote a letter to U.S. Vice President Mike Pence urging him not to meet with Vucic when he visited the United States in mid-2017, and Hoyt Brian Yee, who recently resigned as U.S. deputy assistant secretary for European and Eurasian affairs, told Serbian officials late last year that a country “cannot sit on two chairs at the same time, especially if they are that far apart.” Yee also expressed fears that a Russian-run humanitarian center near the southern Serbian city of Nis might double as an espionage base, a charge that the Russians have dismissed as absurd.

Vucic’s overtures toward Moscow are mostly rhetorical — designed to throw a bit of a red meat to the Russophiles in his party and the broader electorate. For all of his grandstanding, Serbia’s army still took part in 13 drills with NATO or its member states in 2017, seven of which were with the United States, and some experts argue that the country is a NATO member in all but name. Ties with NATO is a subject that the Serbian government is desperate to avoid: Resentment toward the military alliance is still widespread in Serbia, which was subjected to a three-month-long bombing campaign by NATO forces in 1999.

When Putin pressed Vucic to grant diplomatic status to Russian staff at the aforementioned humanitarian center, he responded with calculated aloofness, dragging his feet and ignoring the more ardent pro-Kremlin voices in his Cabinet until the matter faded. The EU buys nearly 10 times as many Serbian exports as Russia does, and Dimitar Bechev, a nonresident senior fellow at the Atlantic Council’s Eurasia Center, tells Foreign Policy that “for all the noise about links with Moscow, Serbia’s economy and, to some degree, society is deeply integrated into the EU’s.” Vucic is well aware, Bechev argues, that “billions of EU funds benefit member states and feed clientelistic politics. He wants that, too, even if he is no exemplary democrat buying into EU values.”

Even if Serbia’s president clearly knows which side his bread is buttered on, the country still remains heavily dependent on Russia for oil and gas. The Russian energy giant Gazprom owns a majority stake in Serbia’s national oil company, and Serbia might be included in the TurkStream natural gas pipeline.

The fact that Serbia stands resolutely on the European path isn’t necessarily a problem for Moscow, though: Vucic’s pro-Russian sentiments are genuine, and having more sympathetic voices join with Orban and Greek Prime Minister Alexis Tsipras inside the EU will likely work in the Kremlin’s favor.

“Serbia in the EU is a gain for Russia; they don’t expect more,” Bechev tells FP. “The status quo — political links plus some economic cooperation — suits Moscow.”

The EU’s tolerance of Vucic may be politically pragmatic and an easy way of maintaining stability in the Balkans, but it’s also deeply cynical. Indeed, the EU is undermining its own moral authority. All across the continent, people are losing faith in the European project, and this dissatisfaction doesn’t only come from the populist right: British left-wingers promote the merits of a progressive Brexit, and the union’s cruel treatment of Greece during the eurozone crisis gave ammunition to its critics and tested the faith of Pan-European idealists. In Italy’s recent parliamentary election, two Euroskeptic parties, the Five Star Movement and the League, together won around 48 percent of the vote. Sluggish growth makes the bloc difficult to defend on economic grounds and, by backing corrupt authoritarians like Vucic, Brussels adds weight to the accusations that the EU and its centrist defenders no longer truly stand for anything.

After all, Europe has little right to lecture the Putins, Orbans, Erdogans, and Kaczynskis of the world on their democratic failings if it’s prepared to embrace the likes of Vucic. The growing gulf between the EU’s words and deeds can then be easily weaponized by its populist detractors who, if nothing else, at least practice what they preach.

[enterprisewired]

Mastering Your Finances: A Step-by-Step Guide on How to Create a Budget

Creating a budget is a foundational step towards achieving financial stability and realizing your financial goals. Whether you’re aiming to save for a major purchase, pay off debt, or simply gain better control over your finances, a well-crafted budget is an invaluable tool. This comprehensive guide will take you through the essential steps on how to create a budget, empowering you to make informed financial decisions and secure a more secure financial future.

How to Create a Budget?

1. Set Clear Financial Goals

Before diving into the budgeting process, define your financial goals. Whether it’s building an emergency fund, saving for a vacation, or paying off student loans, having specific and measurable goals will guide your budgeting decisions.

2. Gather Financial Information

Collect information about your income, expenses, and debts. Compile pay stubs, bank statements, bills, and any other relevant financial documents. This step provides a comprehensive overview of your financial situation.

3. Categorize Your Expenses

Divide your expenses into fixed and variable categories. Fixed expenses, such as rent or mortgage payments and insurance, remain consistent each month. Variable expenses, like groceries and entertainment, can fluctuate. Categorizing expenses helps identify areas for potential savings.

4. Calculate Your Monthly Income

Determine your total monthly income, including salary, bonuses, freelance income, or any other sources of income. Understanding your monthly income is crucial for establishing a realistic budget.

5. List Your Fixed Expenses:

Write down all fixed expenses, such as rent or mortgage, utilities, insurance, and loan payments. These are recurring costs that remain relatively constant each month.

6. Identify Variable Expenses

Make a list of variable expenses, including groceries, dining out, entertainment, and transportation. Variable expenses can be adjusted based on your financial goals and priorities.

7. Include Savings and Debt Repayment

Prioritize saving and debt repayment in your budget. Allocate a portion of your income to an emergency fund, or retirement savings, and pay off outstanding debts. Treating savings as a non-negotiable expense ensures consistent progress toward financial goals.

8. Factor in Irregular Expenses

Account for irregular or annual expenses, such as insurance premiums, property taxes, or holiday spending. Divide these expenses by 12 to incorporate them into your monthly budget, preventing unexpected financial strain.

9. Subtract Expenses from Income

To better understand how to create a budget, subtract your total expenses from your total income. The result should ideally be a positive number, indicating that your income covers all your expenses. If the result is negative, adjustments may be needed to align your budget with your income.

10. Adjust and Prioritize

If your expenses exceed your income, revisit your budget and identify areas where you can cut back. Prioritize essential expenses and savings goals while minimizing non-essential spending. Adjusting your budget ensures financial sustainability.

11. Embrace the 50/30/20 Rule

Consider following the 50/30/20 rule, where 50% of your income goes to needs (housing, utilities), 30% to wants (entertainment, dining out), and 20% to savings and debt repayment. This rule provides a simple guideline for balanced budgeting.

12. Use Budgeting Tools

Leverage technology to simplify budgeting. Numerous apps and online tools can help you track spending, set financial goals, and visualize your budget in real-time. Choose a tool that aligns with your preferences and makes budgeting more accessible.

13. Track and Review Regularly

Budgeting is an ongoing process, and the answer to “how to create a budget” might differ from person to person. Regularly track your spending against your budget, making adjustments as needed. Reviewing your budget ensures that it remains aligned with your financial goals and adapts to changes in your income or expenses.

14. Emergency Fund Planning

Prioritize building and maintaining an emergency fund within your budget. Having a financial safety net provides peace of mind and protects against unexpected expenses.

15. Seek Professional Advice

If you find budgeting challenging or have complex financial situations, consider seeking advice from financial professionals. Financial advisors can offer personalized guidance to help you achieve your financial objectives.

16. Mindful Spending Habits

Cultivate mindful spending habits as a key aspect of budgeting. Regularly assess your discretionary expenses and identify areas where you can make conscious choices to reduce unnecessary spending. This might include packing lunch instead of dining out or opting for cost-effective entertainment options.

17. Cash Flow Management

Effective budgeting involves managing cash flow strategically. Ensure that you have sufficient funds available for essential expenses and prioritize payment of bills to avoid late fees. Understanding your cash flow cycle helps prevent financial stress and keeps your budget on track.

18. Automate Savings Contributions

Simplify your savings strategy by automating contributions to savings accounts. Setting up automatic transfers ensures that a portion of your income is consistently directed towards savings goals, reinforcing the habit of saving.

19. Celebrate Financial Milestones

Acknowledge and celebrate financial milestones within your budget. Whether it’s reaching a savings goal, paying off a significant portion of debt, or achieving a specific financial target, celebrating successes reinforces positive financial habits and motivates continued progress.

20. Financial Education and Literacy

Invest time in expanding your financial education. Understanding financial principles, investment options, and economic trends empowers you to make informed decisions. Numerous resources, including books, online courses, and workshops, can enhance your financial literacy and contribute to long-term financial success.

Conclusion

Knowing how to create a budget is a fundamental step toward financial empowerment and security. By following these comprehensive steps, you can gain better control over your finances, make informed decisions, and work towards achieving your financial goals. Remember, budgeting is a dynamic process that evolves with your financial journey, so stay committed, stay flexible, and enjoy the benefits of financial well-being.

[beardedmrbean]

1. Jackpot Day: Bel20 CEO earned as much today as year's wage of 'ordinary' employee

Tuesday 9 January has been dubbed CEO jackpot day by a Belgian union. The bosses of Belgium's largest companies will have already earned as much by this day as an ordinary employee in a year. Read more.

2. 'A plaster on a bullet hole': Brussels activates Extreme Cold plan for homeless people

"It is as if, every year, the authorities are surprised that it is cold in winter." Read more.

3. Belgium's biggest corruption scandals

From dodgy defence contracts to toxic food contamination, the shadow of corruption has fallen on Belgian politics and society time and again. Read more.

4. How to avoid car trouble in sub-zero temperatures

From more road accidents to battery problems, freezing temperatures can be a real headache for motorists. Luckily several measures can be taken to avoid these issues. Read more.

5. Brussels YouTuber who threw dog faeces over metro passengers arrested

Brussels YouTuber 'YaNike' – identified by the Federal Public Prosecutor's Office by his initials Y.D. – who poured a mixture of oil, water, leaves and dog faeces over passengers on a STIB metro in November, has been arrested, the authorities announced. Read more.

6. Almost €900 million in irregular income declared in 2023

Belgium's national budget will enjoy a windfall in 2024 thanks to an influx of requests to regularise undeclared income before 1 January 2024, which was the final deadline to do so without facing legal consequences. Read more.

7. Is Anne Teresa De Keersmaeker the greatest dancer?

Anne Teresa De Keersmaeker could be the world’s most influential dancer, whose choreography has inspired art across the genres and platforms. Read more.

[hartshorn-and-isinglass]

I know Brandon F. really wants to make fetch happen on finding a new streaming site that his followers will follow him to, but I think it's just not possible right now. Yes, Youtube is fucking terrible and no one should have to play these ridiculous games with the algorithm. But no one else currently is going to offer the same potential for reach, either. And I think the only viable option is to try and play Youtube's game a little better. (Yes, Nebula would be great, but you basically have to be hand-picked by them to join. Good luck with that if you aren't friends with them already.)

Two strategies seem to work for the most successful Youtubers I follow. One is that you can get away with an irregular upload schedule provided your content has a high enough production value. This usually entails being highly visually engaging and having a tight narrative flow (even if you are not telling a story per se). Having changes of scenery, costumes, music, nice-looking B-roll footage--all of that could help lean into this strategy. But it also means adding even more labor and time to each video. If you don't already have the skills for blocking, editing, etc. this means potentially having to invest in hiring staff/committing to learning how to do some of these things. I've seen people suggest he get his own AWI or 1812 uniform for his videos on the same topics but he seems resistant to investing in that even though people have said they'd gladly help fundraise for it. Surely there's a regiment that isn't currently being portrayed by a major reenacting group and you could use their uniform without stepping on anyone's toes...

The other is that you can do a low-budget setup but you need a fairly predictable upload schedule. The most successful people on this track upload on the same day of the week, every week. Everyone knows it's time to watch X Youtube channel, and it becomes part of their routine to click on that video when they see it. I don't think a weekly schedule is at all feasible for most EDUtubers (Perun has some god-tier time management discipline...) but maybe even injecting a little more predictability could help, like shooting for a video out on the first and the fifteenth of the month. And livestreaming consistently. Not that I think anyone necessarily has to livestream but if you're going to do it you really need to see it as work, because it's bringing in income.

I'm picking on Brandon a bit here, but I think he's an interesting case study of the perils of trying to generate income via streaming platforms. I'm lowkey trying to figure out whether I might try my hand at the Youtubes in the future to generate some supplementary income while Spouse is in school, so I'm paying attention to this stuff more.

[motivateandinspiretoday]

Gen Z's Guide to Financial Independence

"Gen Z's Guide to Financial Independence" is a concept that would likely involve providing advice, tips, and strategies for individuals belonging to Generation Z (those born roughly between the mid-1990s and early 2010s) to achieve financial independence. Here's a hypothetical outline for such a guide:

Introduction: Navigating Financial Independence in the Digital Age

Brief overview of the unique financial challenges and opportunities faced by Generation Z.

Importance of financial literacy and the role it plays in achieving financial independence.

Chapter 1: Building a Strong Financial Foundation

Understanding the basics of budgeting and tracking expenses.

The power of saving: creating an emergency fund and setting short-term and long-term savings goals.

Opening a bank account and understanding different types of accounts.

Chapter 2: Managing Debt and Credit Wisely

Introduction to credit scores and reports.

Responsible credit card usage and building credit history.

Managing student loans and other forms of debt.

Chapter 3: Exploring Education and Career Paths

Evaluating the value of higher education: college, trade schools, and alternative paths.

Pursuing internships, part-time jobs, and freelance opportunities.

Building a personal brand and online presence for professional networking.

Chapter 4: Investing for the Future

Introduction to investing: stocks, bonds, mutual funds, and more.

The power of compound interest and starting to invest early.

Exploring different investment platforms and resources.

Chapter 5: Navigating the Gig Economy

The rise of side hustles and gig work.

Tips for managing irregular income streams and taxes.

Balancing gig work with traditional employment.

Chapter 6: Making Smart Consumer Choices

Practicing mindful spending and avoiding lifestyle inflation.

Evaluating purchases and distinguishing between needs and wants.

Tips for finding deals, discounts, and avoiding financial scams.

Chapter 7: Setting Financial Goals and Long-Term Planning

Defining short-term, medium-term, and long-term financial goals.

Retirement planning: the importance of starting early and understanding different retirement accounts.

Creating a flexible financial plan that adapts to changing circumstances.

Chapter 8: Navigating Social and Peer Pressure

The influence of social media and peer pressure on spending habits.

Developing a strong sense of financial independence and decision-making.

Chapter 9: Practicing Sustainability and Ethical Spending

Incorporating sustainable and ethical practices into financial decisions.

The connection between responsible spending and social impact.

Chapter 10: Building a Support Network and Seeking Advice

Utilizing mentors, advisors, and online resources for financial education.

The value of open conversations about money with friends and family.

Conclusion: Your Financial Journey Ahead

Reflecting on the progress made and lessons learned.

The ongoing nature of financial education and the pursuit of financial independence.

Remember that this outline is a general framework and can be tailored to the specific needs, preferences, and values of Generation Z. The guide should empower young individuals to take control of their finances and make informed decisions to achieve long-term financial independence.

[finance-money]

How to create a budget and stick to it.

Creating and sticking to a budget is essential for achieving financial goals and maintaining control over your finances. A budget is simply a plan for how you will spend your money. It helps you prioritize your spending and ensures that you have enough money to cover your bills and save for your future. In this post, we will discuss how to create a budget and stick to it.

Step 1: Determine your income The first step in creating a budget is to determine your income. This includes your salary, any bonuses or commissions, and any other forms of income you may have. Be sure to include all sources of income, even if they are irregular.

Step 2: List your expenses Next, list all of your expenses. This includes your rent or mortgage, utilities, insurance, groceries, transportation, and any other regular expenses. Don’t forget to include any irregular expenses, such as car repairs or vacation expenses.

Step 3: Categorize your expenses Once you have a list of all your expenses, categorize them. This will help you see where your money is going and where you can cut back. Some common categories include housing, transportation, food, entertainment, and savings.

Step 4: Create a spending plan Now that you have a clear picture of your income and expenses, it’s time to create a spending plan. This is where you will decide how much money you will allocate to each category. Be sure to include a category for savings and make sure that it is a priority.

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Step 5: Track your spending Once you have a spending plan, it’s important to track your spending. This will help you stay on track and make adjustments as needed. You can use a budgeting app, a spreadsheet, or even a pen and paper to track your spending.

Step 6: Make adjustments As you track your spending, you may find that you are over or under budget in certain categories. When this happens, make adjustments to your spending plan. This may mean cutting back on entertainment expenses or finding ways to increase your income.

Step 7: Review and repeat Finally, review your budget on a regular basis and make any necessary adjustments. Remember, a budget is a living document and should be reviewed and updated on a regular basis.

Creating and sticking to a budget takes time and discipline, but it is essential for achieving financial stability and reaching your financial goals. By following these steps, you will be on your way to creating a budget that works for you and helps you stay in control of your finances.

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[thibosworld]

MANAGING YOUR FINANCES

A Comprehensive Guide to Saving Money and Sticking to a Budget

Saving money and adhering to a budget can be challenging for many individuals. It demands significant discipline and commitment. Often, the most daunting aspect of saving is simply getting started. This guide provides a step-by-step approach to develop a straightforward and realistic strategy for saving towards both short-term and long-term goals, whether it’s purchasing a house, buying a car, or fulfilling a lifelong dream of traveling the world. By prioritizing essential expenses and cutting out non-essentials, you can achieve your financial objectives. Here are some effective tips to help you manage your finances. .... Get an affordable auto insurance cover clik here https://tmtrcks.com/238479/186

Tip 1: Track Your Expenses

The initial step in saving money is to understand your spending habits. Keep a detailed record of all expenses, including small purchases like coffee and household items, in addition to regular monthly bills. You can use methods that suit you best, such as a notebook, a spreadsheet, or an online spending tracker. After compiling your data, categorize your expenses—such as gas, groceries, and housing—and calculate thee

Tip 2: Include Savings in Your Budget

With a clear understanding of your monthly expenses, you can create a budget that reflects your income and expenditures. This budget should enable you to plan your spending and minimize overspending. Remember to include irregular expenses, such as car maintenance. Allocate a specific amount for savings, starting with an amount that feels manageable. Gradually aim to increase your savings to 15-20% of your income.

Tip 3: Cut Back on Spending

If you find it challenging to save as much as you’d like, it may be time to reassess your expenses. Identify non-essential items, such as entertainment and dining out, where you can cut back. Additionally, explore options to reduce fixed monthly costs, like car insurance or cell phone plans. Implementing small changes in your daily spending can lead to significant savings over time.

Tip 4: Set Savings Goals

Establishing clear savings goals can be a powerful motivator. Consider what you wish to save for in both the short term (one to three years) and the long term (four years or more). Estimate the amount needed and the timeframe to reach those goals. This clarity will help you stay focused and disciplined in your savings efforts.

Tip 5: Determine Your Financial Priorities

Your financial goals will significantly influence how you allocate your savings. For instance, if you anticipate needing a new car soon, it’s prudent to start saving for it now. However, don’t lose sight of long-term goals like retirement. Prioritizing your savings objectives will help you distribute your resources effectively and ensure that all important financial needs are addressed.

Tip 6: Choose the Right Tools

Various savings and investment accounts can help you achieve both short-term and long-term goals. You don’t have to limit yourself to a single option. Carefully evaluate account features such as balance minimums, fees, interest rates, and risk levels. This will enable you to select a combination of tools that best suits your savings objectives.

Short-term Goals

For immediate access to funds, consider FDIC-insured deposit accounts like:

-Savings Accounts .Easy access to your money.

- Certificates of Deposit (CDs) Typically offer higher interest rates in exchange for locking your funds for a set period.

Long-term Goals

For future needs, such as retirement or education, consider:

IRAs or 529 Plans Tax-efficient savings accounts.

Securities Stocks or mutual funds accessible through brokerage accounts.

Tip 7: Automate Your Savings

Most banks provide automated transfer options between checking and savings accounts. You can decide when and how much to transfer, or even set up your direct deposit to allocate a portion of your paycheck directly into savings. This automation reduces the temptation to spend and simplifies the saving process. Additionally, consider using credit card rewards or spare change programs that round up purchases and deposit the difference into a savings account.

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Tip 8: Monitor Your Progress

Regularly review your budget and track your savings progress. Monthly assessments not only help you stay on course with your savings plan but also allow you to identify and resolve any issues promptly. Understanding your savings trajectory may inspire you to discover even more effective ways to reach your financial goals faster.

By implementing these strategies, you can cultivate a disciplined approach to budgeting and saving, paving the way to achieve your financial aspirations

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[crazy-joes]

Room Darkening Shades Grimsby

When it comes to creating the perfect ambiance in your home, choosing the right window treatments can make all the difference. One popular option for homeowners and condo dwellers in Grimsby is room darkening shades. Whether you're looking to improve your sleep quality or simply want more control over the natural light entering your space, Crazy Joe's Drapery & Blinds is your go-to expert for all your window treatment needs. In this article, we'll explore the benefits of room darkening shades, particularly blackout shades, and why Crazy Joe's Drapery & Blinds should be your first choice. Blackout Shades Grimsby What Are Blackout Shades? Blackout shades are a type of window covering designed to block out nearly all incoming light, creating a dark, restful environment. These shades are particularly beneficial for bedrooms, home theaters, and any other room where light control is essential. Unlike regular shades, blackout shades are made from opaque materials that prevent light penetration, offering superior privacy and insulation. Benefits of Blackout Shades Improved Sleep Quality One of the primary benefits of blackout shades is their ability to improve sleep quality. According to The Sleep Foundation, exposure to light can significantly affect your sleep cycle, making it harder to fall and stay asleep. Blackout shades are an excellent solution for those who work night shifts or have irregular sleep schedules. Energy Efficiency Blackout shades can also contribute to energy efficiency in your home. By blocking out sunlight, they help maintain a consistent indoor temperature, reducing the need for air conditioning in the summer and heating in the winter. This not only makes your home more comfortable but can also lower your energy bills. Enhanced Privacy Privacy is a crucial factor for many homeowners. Blackout shades provide a high level of privacy, making it difficult for outsiders to see inside your home. This is particularly important for ground-floor rooms and spaces close to neighbors. Protection from UV Rays UV rays can cause significant damage to your home’s interior, including fading furniture, carpets, and artwork. Blackout shades effectively block harmful UV rays, protecting your home’s interior and prolonging the life of your furnishings. Why Choose Crazy Joe's Drapery & Blinds? Expertise and Experience Crazy Joe's Drapery & Blinds has been a trusted name in window treatments for over 40 years. Their team of experts understands the unique needs of homeowners in Grimsby and offers personalized solutions to meet those needs. Wide Selection At Crazy Joe's, you'll find a wide range of blackout shades to choose from. Whether you prefer a traditional look or something more modern, they have options to suit every style and budget. Custom Solutions Every home is unique, and Crazy Joe's understands that. They offer custom solutions tailored to your specific requirements, ensuring a perfect fit and optimal performance. Exceptional Customer Service Customer satisfaction is a top priority at Crazy Joe's. Their friendly and knowledgeable staff are always on hand to answer questions and provide expert advice, ensuring you make an informed decision. How to Choose the Right Blackout Shades Consider Your Needs Before selecting blackout shades, consider your specific needs. Are you looking to improve your sleep quality, enhance privacy, or boost energy efficiency? Understanding your priorities will help you choose the right shades for your home. Measure Your Windows Accurate measurements are crucial for a perfect fit. Take precise measurements of your windows or schedule a consultation with Crazy Joe's to have a professional take care of this for you. Choose the Right Material Blackout shades come in various materials, including fabric, vinyl, and composite. Each material has its benefits, so consider factors like durability, ease of maintenance, and aesthetic appeal when making your choice. Opt for Motorization For added convenience, consider motorized blackout shades. These can be easily operated with a remote control or smartphone app, allowing you to adjust your window treatments with ease. Installation and Maintenance Professional Installation While DIY installation is an option, professional installation ensures your blackout shades are fitted correctly and function optimally. Crazy Joe's offers expert installation services, giving you peace of mind. Easy Maintenance Maintaining your blackout shades is simple. Regular dusting and occasional spot cleaning with a mild detergent will keep them looking and functioning like new. Testimonials Satisfied Customers Don't just take our word for it—see what others have to say. Many satisfied customers have praised Crazy Joe's for their excellent products and outstanding service. You can read more testimonials on their website. Conclusion Blackout shades are an excellent investment for any homeowner in Grimsby looking to improve their home's comfort, privacy, and energy efficiency. Crazy Joe's Drapery & Blinds offers the expertise, selection, and customer service you need to make the best choice for your home. Visit their website today to explore their range of blackout shades and schedule a consultation. Top 5 Questions and Answers 1. What is the difference between room darkening and blackout shades? Room darkening shades reduce the amount of light entering a room but do not block it completely. Blackout shades, on the other hand, are designed to block nearly all light, providing a much darker environment. 2. Can blackout shades help with energy efficiency? Yes, blackout shades can help improve energy efficiency by blocking out sunlight and maintaining a consistent indoor temperature, reducing the need for air conditioning and heating. 3. Are blackout shades difficult to install? While DIY installation is possible, professional installation is recommended to ensure a perfect fit and optimal performance. Crazy Joe's offers expert installation services for your convenience. 4. Can I get custom blackout shades for odd-shaped windows? Yes, Crazy Joe's Drapery & Blinds offers custom solutions to fit any window shape or size. Their team will work with you to create the perfect blackout shades for your home. 5. How do I clean and maintain my blackout shades? Blackout shades are relatively low-maintenance. Regular dusting and occasional spot cleaning with a mild detergent are usually sufficient to keep them looking and functioning like new. Read the full article

[kingvideosblog]

Wealth Creation From Scratch - Your Path Out of the Rat Race

Many people want to escape the rat-race by building wealth. While schemes to get rich can seem appealing, true wealth creation requires more effort. Renting out your property can be a great method to make money. To avoid debt and other financial risks it's essential to stick to your budget and don't spend more than what you can afford. 1. Create an Emergency Fund

One of the most effective ways to increase your wealth is to start an emergency fund. This will allow you to fund unexpected expenses without going into debt or reducing the savings you have saved for retirement. Experts recommend that you keep up to a six-month's worth of your expenses in your savings account. It could be required to save more if you have irregular income or other financial difficulties. You could also create an emergency fund by analyzing your finances and finding areas in which you can reduce expenses. Consider adjusting your monthly tax withholding or creating a side business to generate additional income. Another important factor in creating an emergency fund is avoiding consumerism and adopting a frugal lifestyle. You will be able to save more and then invest it. You could also think about selling items that you no longer need or obtaining a part-time job for extra money. 2. Make sure you save a large portion of your Income The most important thing to keep in mind when building wealth is that it'sn't all about how much you earn and how much you can keep. One way to do this is to keep an important portion of your income regularly. It is possible to do this by making a budget and then keeping track of your expenses. With an accounting software program or even recording your expenses in a notebook, you can see where you can cut back on spending and save money. Another way to build wealth is by investing your cash smartly. This can be done by a variety of ways including investing in real estate, peer-to-peer lending or crowdfunding, rental properties, and royalty payments. You can boost your potential returns by diversifying your portfolio. You'll be able to get to your financial goals more quickly. Modern wealth creation tools like roboadvisors allow access to advisors, as well as managed portfolios of investments. 3. Make a Sense of Your Money If you're hoping to accumulate wealth, you must put your money to work for you. Market-based investments are able to outperform inflation and offer capital appreciation in the long run. Savings accounts have low interest rates. You can invest in your 401(k) or personal retirement account, or through mutual funds, exchange-traded funds (ETFs), and/or robo-advisors. Be aware of the time frame you are planning to invest in. Younger investors will probably allocate more funds to potential growth opportunities. Those nearing retirement, on the other hand could be more inclined to invest in low-risk assets or income-producing investment options. Another crucial aspect of building wealth is to eliminate or reduce your debt. Reduce or eliminate your debt that is similar to financial rapidsand. This will let you to save and invest. This is a major reason why making and sticking to a budget should be your top priority. You can keep track of your expenses and avoid actions that could affect the goals you've set. Wealth creation is the result of discipline, knowledge and consistent decision-making. 4. Accept Debt The management of your money is equally important. While investing might be the most attractive aspect of wealth creation, it's vital to be able to implement excellent money management practices each day. Making and sticking to your savings plan, staying from debt and spending less than you earn are the most important factors to reach your financial goals. Many people are afraid to talk about the "b" word, however budgeting is a crucial part of any wealth building strategy. Budgeting helps you to understand how much money you spend each month, and can be a deterrent to spending habits like excessive spending. Similar to that investing in a loan can be a great option to generate wealth. Renting isn't tax efficient. A mortgage may be used to purchase residential real estate and provide tax benefits. However, you need to ensure that you only use the right kind of debt, and avoid credit that can damage your financial situation. Your individual debt tolerance is important. All credtis to YouTube

[kriti2024]

Marriage is a momentous occasion in one’s life, symbolizing the union of two people and their families. In India, weddings are grand affairs, often involving significant expenses. From booking a venue, catering, attire, and decorations to honeymoon planning, the costs can quickly add up. For many couples, a marriage loan becomes a practical solution to finance these expenses. This article will provide a comprehensive understanding of marriage loan interest rates, tailored specifically for an Indian audience.

What is a Marriage Loan?

A marriage loan is a type of personal loan offered by banks and financial institutions to cover wedding-related expenses. These loans are usually unsecured, meaning you do not need to provide any collateral. They offer flexibility in terms of usage, allowing you to cover various costs such as venue hire, catering, bridal wear, and even the honeymoon.

Factors Influencing Marriage Loan Interest Rates

Credit Score:Your credit score is one of the most significant factors determining the marriage loan rate of interest. A high credit score indicates good financial health and responsible credit behavior, which can lead to lower interest rates. In India, a credit score of 750 and above is considered excellent.

Income and Employment Status:Lenders assess your income and employment stability to gauge your repayment capacity. A stable and high income can result in favorable interest rates. Self-employed individuals or those with irregular income might face higher rates due to perceived repayment risks.

Loan Amount and Tenure:The amount you wish to borrow and the repayment period can also impact the interest rate. Typically, higher loan amounts might attract lower interest rates due to the larger principal involved. However, longer tenures could result in higher overall interest due to the extended repayment period.

Lender Policies:Different lenders have varied policies and risk assessment criteria. Some might offer competitive rates to attract more borrowers, while others may have higher rates based on their lending criteria.

Types of Interest Rates

Fixed Interest Rates:Fixed interest rates remain constant throughout the loan tenure. This ensures predictable monthly payments, making budgeting easier. However, they might be slightly higher than variable rates initially.

Variable Interest Rates:Variable interest rates fluctuate based on market conditions and economic indicators. While they might start lower than fixed rates, they can increase over time, leading to higher monthly payments.

Average Interest Rates on Marriage Loans in India

The average interest rates on marriage loans in India can vary widely based on the factors mentioned above. Typically, they range from 10% to 24% per annum. However, borrowers with excellent credit scores and stable incomes might secure rates as low as 8%, while those with lower credit scores might face rates upwards of 25%.

How to Secure the Best Interest Rates

Improve Your Credit Score:Before applying for a marriage loan, take steps to improve your credit score. Pay off existing debts, avoid late payments, and rectify any errors in your credit report.

Compare Lenders:Don’t settle for the first loan offer you receive. Compare rates from multiple lenders, including banks, NBFCs (Non-Banking Financial Companies), and online lenders, to find the best deal.

Negotiate:If you have a good credit score and stable income, don’t hesitate to negotiate with lenders for better rates. Sometimes, showing interest in other lenders’ offers can help you secure a better deal.

Opt for a Shorter Tenure:While a longer tenure reduces your monthly payment burden, it can increase the total interest paid over the loan period. Opting for a shorter tenure can help you save on interest costs.

Consider Pre-approved Offers:Some banks offer pre-approved marriage loans to their existing customers. These offers usually come with competitive interest rates and quick disbursement.

Hidden Costs and Fees

When considering a marriage loan, it’s essential to look beyond the interest rate. Lenders might impose various fees, including:

Processing Fees:A one-time fee charged for processing the loan application. It can range from 1% to 3% of the loan amount.

Prepayment Penalties:Fees charged for paying off the loan before the end of the tenure. Ensure you understand the prepayment terms to avoid unexpected costs.

Late Payment Fees:Penalties for missing or delaying monthly payments. These can add up quickly and increase your overall loan cost.

Conclusion

Understanding the rate of interest on a marriage loan is crucial for managing your wedding finances effectively. By considering factors such as your credit score, income stability, loan amount, and tenure, you can better navigate the options available. Comparing offers from multiple lenders and being aware of hidden costs will further aid in securing the best possible deal. Remember, while a lower interest rate is desirable, the overall loan terms and your ability to comfortably repay the loan should guide your final decision. By making informed choices, you can ensure that your wedding day is not only memorable but also financially manageable.

Marriage is a beautiful journey, and with proper financial planning, you can start this journey on a stable and joyous note.

[mochibdsm]

personal budget categories

Quick Tips:

It’s helpful to write out your expenses from the previous month to see how much money goes into each budget category.

Don’t forget to keep your calendar handy too, so you’re reminded of the birthday parties or other events that will require a budget category.

You may also consider saving a little each month for some of these budget categories, so when the payment is due you aren’t scrambling to find the money.

Use this Budget Printable to easily keep track of all your expenses.

Budget Categories

Income

It is important to break out all of your income individually rather than just including a lump sum. Include your take home income after taxes, health insurance, etc. If you have an irregular income, list the least amount you expect to earn. Anything extra can be used for savings or to pay off debt.

Paycheck

Predictable Bonus

Investment income:

Rental property

Earned interest

Expenses

Housing

Housing is typically the largest budget item in most budgets.This category includes everything related to owning or renting your home, not just your rent or your mortgage.

Mortgage/Rent

Household repairs

HOA Dues

Renters Insurance

Property Taxes

Household repairs

Large Appliances (washer, refrigerator etc)

Education/Childcare

This can also be another big category for many families. Beyond any tuition or daycare costs, don’t forget to include any required registration fees for the upcoming school year.

Private School Tuition

College Tuition

Before/After School Care

Summer Camp

Registration Fees

School Supplies

Tutoring

Daycare

School Lunch

Babysitter

Private lessons – dance class, sports

School Field Trips

Alimony

Utilities

These are typically what we consider essential budget items, so don’t leave them off your list. If you are behind on utility payments, this should be one of the first late bills (after housing) you should work towards getting current on.

Water

Electricity

Natural Gas

Trash

Cable

Internet

Cell phone bill

Transportation

Beyond just paying for gas for your car, there are additional transportation costs you may need to consider. A few of these include:

Toll payments

Public transportation fare (subway, bus or train)

Gas

Car maintenance- oil changes, tires etc/

Parking Fees

Registration/DMV Fees

Pets

We love them and treat them as another member of our families. But there are unique costs our pets incur that you will need to include in your budget.

Grooming

Pet Food

Pet accessories – kitty litter etc

Veterinary Visits

Food

We all need food and this tends to be a budget category that many people struggle with. To make sure you properly allocate enough funds in this category break out what food you realistically will need to purchase.

Groceries

Eating Out

Coffee/Quick bites

Debt

This can be a scary category to tackle.  Include the monthly minimum payment for all debts, unless you are able to pay more than the minimum.

Student loan

Credit Card Payments

Car Payment

Miscellaneous Debt (furniture, electronics etc)

Gifts

This is the time to look at your calendar and see what, if any, gifts you’ll need to purchase this month. From birthday presents to end of the year gifts for teachers, you won’t have to stress about the costs if you plan ahead and include it in your budget.

Birthday Gifts

Anniversary Gifts

Holiday Gifts

Teacher Gifts

Personal Care

This category includes both personal care necessities as well as the extras.

Toiletries

Haircuts

Hair Color

Gym Membership

Clothing

Shoes

Household items

Any regularly used household item goes into this category.

Laundry Detergent

Dishwasher Detergent

Cleaning Supplies

Napkins/paper towels/toilet paper

Small appliances (toaster, microwave etc)

Emergency Kits/Hurricane Preparedness etc

Insurance

We all need some kind of insurance. If you find this to be an expensive category, reach out to your insurance company to see if you can re-negotiate your rates.

Homeowners Insurance/Renters Insurance

Car Insurance

Life Insurance

Health Insurance

Dental Insurance

Health Care

Medications

Medical Devices

First Aid Items

Doctor’s Visits

Senior Care

Entertainment

Anything you do for fun can be included in this category.

Subscriptions

Movie Theater Tickets

Outings

Electronics

Netflix

Savings

Make savings a priority by including this in your budget. It’s easy to say you’ll just save whatever is left over. This is a recipe to failure. Don’t leave this important budget category off!

Savings

Emergency fund

Tithing/Giving

Retirement

Kids college savings

Vacation fund

Miscellaneous

This category is for anything else that doesn’t fit into the above categories.

Bank fees

Credit Card Fees

Professional Dues

State and Federal Taxes (if you are self employed)

Anything else!

[seoblog4]

How to Use Installment Loans to Manage Cash Flow in Canada

Managing cash flow can be cash advance in ontario a constant challenge for many Canadians, especially during times of unexpected expenses or irregular income. One financial tool that can help is an installment loan. Installment loans provide access to a lump sum of money that is then repaid over a set period of time through scheduled, equal payments. This structure can be useful for managing cash flow in a few key ways:

Budgeting and Predictable Payments

With an installment loan, you receive the full loan amount upfront and then make the same payment each month over the repayment term, which is typically 1-5 years. This provides predictability in your budget, allowing you to plan ahead and ensure you have the necessary funds available each month to make the payment. The fixed payment schedule can help you better manage your cash flow compared to more variable financing options.

Access to Funds When Needed

Installment loans provide access to a lump sum of money when you need it, rather than getting funds in smaller amounts over time. This can be helpful for covering larger, one-time expenses like home repairs, medical bills, or tuition fees. Having this cash on hand can prevent you from having to delay important payments or rack up high-interest credit card debt.

Build Credit

Making consistent, on-time payments on an installment loan can help improve your credit score over time. This positive credit history then makes it easier to access other types of financing in the future, such as mortgages or auto loans, when needed. Improving your credit through responsible loan repayment is an important part of managing your overall financial health.

Considerations Before Applying

While installment loans can be a useful cash flow management tool, it's important to consider a few factors before applying:

Interest rates - Compare rates from multiple lenders to get the best deal. Rates can vary significantly.

Repayment term - Longer terms mean lower monthly payments but more interest paid over time. Choose the shortest term you can comfortably afford.

Fees - Look out for any application, origination, or prepayment fees that can add to the overall cost.

Ultimately, installment loans can provide helpful flexibility when managing cash flow challenges in Canada. cash advance in quebec Just be sure to borrow responsibly and only what you can reasonably afford to repay.

[constructionaccounting]

583: Building On Solid Ground: Your Construction Bookkeeping Foundation

This Podcast Is Episode 583, And It's About  Building On Solid Ground: Your Construction Bookkeeping Foundation

As a construction business owner, you must stay informed about your finances and financial situation. You do this through bookkeeping, the process of recording transactions in your business. This includes transactions, credit card charges, and any other economic activity within your company.

  Financial management can easily be overlooked when managing projects, dealing with subcontractors, and ensuring customer satisfaction. However, neglecting proper bookkeeping can significantly impact the growth and success of your construction business.

When your construction bookkeeping is set up right

It gives you insights into your income and expenses, such as:

How much money you've made

How much money needs to be paid for bills or salaries 

How much money should be put away for taxes or other unexpected costs 

Bookkeeping also helps keep track of all your business transactions. A good system will serve as an audit trail showing every transaction that has taken place within your company. This includes purchases from suppliers, sales made to customers, and bills paid out by suppliers or employees (like salaries). 

This information will quickly become apparent if there are any irregularities, such as missing items on purchase orders. You get transparency into your business, a way to ensure you remain compliant with laws, and valuable insights to help you make smarter decisions. 

While factors such as market trends, technological advancements, and customer demands undoubtedly play a significant role in shaping your business, financial insights are an often underestimated aspect that can substantially impact growth. Understanding the intricacies of your company's financial data and leveraging this insight effectively can be a powerful tool for driving growth in your construction business.

When to hire a construction bookkeeper

There are many scenarios where hiring a bookkeeper makes sense. These depend on your construction business setup and your abilities. 

You should consider hiring a bookkeeper if you have

More than one employee

Multiple business locations

A complex business structure - yes, like a contracting business

Concerns about making errors in your books that could lead to fines or penalties

Too much work to do, and bookkeeping constantly gets pushed to the side

A lack of experience with bookkeeping and still determining how to go about it, so you avoid it.

What a Construction Bookkeeper can provide for you

1. Expertise

Construction bookkeepers are experts at managing, sorting, and recording your business's financial transactions. They've spent time developing their skills and experience. During that time, they've also seen and resolved bookkeeping-related issues that you may come up against. Their expertise makes them more efficient at managing those issues. 

Beyond that, they understand business trends and challenges others in your industry face and can help you move through those. They also know what questions to ask to help you make important decisions and can share best practices with you. 

2. Guidance

Your bookkeeper not only helps you maintain accurate records but also understands your financial circumstances. They help you assess how to make critical business decisions, such as whether now is an excellent time to grow or when you should hold back. They can also identify trends in your industry and help you take advantage of those opportunities.

Finally, they can assist you with budgeting and sticking to your budget. They'll help you develop a realistic financial plan that enables your business to grow while achieving short- and long-term goals.   

3. Time savings

As a business owner, you likely have many activities to focus on. In bookkeeping alone, there are numerous tasks to be responsible for, such as:

Collecting and recording transaction data

Sorting receipts

Classifying expenses

Invoicing customers

Paying vendors

Managing payroll

Bookkeepers take on those tasks, so you don't have to. It's not just about the energy you put into them; it's about the fact that unless you're a construction bookkeeping expert, it'll likely take you longer to complete these activities than a bookkeeper. That can add up to a lot of extra hours. 

Hiring a Construction Bookkeeper frees up valuable time for other activities such as marketing, perfecting your products and services, or spending time with family. 

4. Money savings

There's a time cost to doing your books, but there's also a potential money cost in the form of missed opportunities. The time you spend doing your books is time you could be out creating or taking advantage of new opportunities for your business. Your bookkeeper frees you up, giving you the time and energy to identify potential opportunities. They can also advise whether you're in an excellent financial position to jump on those possibilities. 

Additionally, the expertise bookkeepers bring to their activities means they're likely to prevent costly mistakes that could affect your finances. 

Final thoughts

Prioritizing better bookkeeping practices is fundamental to driving growth and sustainability in your construction business. By proactively managing your company's finances, you can gain a competitive edge, mitigate risks, and position your business for long-term success in the dynamic construction industry.

Remember, the success of your construction business depends not only on the quality of your work but also on the strength of your financial foundation. Embracing better bookkeeping practices can pave the way for sustained growth and profitability in your construction enterprise.

As a reminder:

QuickBooks plans to stop selling several versions to new U.S. subscribers. The deadline to purchase new subscriptions to the listed products has been extended from July 31, 2024, to Sept. 30, 2024.

QuickBooks Desktop Pro Plus

QuickBooks Desktop Premier Plus

QuickBooks Desktop Mac Plus

QuickBooks Desktop Enhanced Payroll

We do our best to inform you of your options based on your construction company's needs and ensure you are alerted to fundamental software changes that may affect your construction business now or in the future. Although extended, we recommend checking and upgrading immediately to avoid service disruptions and workflow interruptions. Please plan accordingly or reach out if you need help.

We are here to help you achieve your definition of success, whether you would like to outsource your bookkeeping to us, buy and use our templates, or learn to do it independently.

PS 

We offer free resources to help you save time and money that you can download and print now. 

About The Author:

Sharie DeHart, QPA, co-founded Business Consulting And Accounting in Lynnwood, Washington. She is the leading expert in managing outsourced construction bookkeeping and accounting services companies and cash management accounting for small construction companies across the USA. She encourages Contractors and Construction Company Owners to stay current on their tax obligations. She offers insights on managing the remaining cash flow to operate and grow their construction company sales and profits so they can put more money in the bank. Call 1-800-361-1770 or sharie@fasteasyaccounting.com

Check out this episode about Contractors Marketing - Accounting - Production (M.A.P.)!