#i have like.....enough to cover 2 months of basic bills (not including paychecks coming in) in checking

[roseband]

i mean this in all seriousness.....

every bonus and raise i get at work is cuz i taught myself adobe automation tools and javascript for adobe (even though i took cs in hs like, i could not find a class in what i wanted so i just had to self teach it)

but the only reason i self taught that was cuz i was overly obsessed with kpop

so as long as all my savings accounts are where they should be (percentage of income-wise)... so like 401k, emergency fund, down-payment fund.......(which.....are all invested and/or in high yield 4.5% monthly compounding interest accts and are making their own money)

i can just dump all my disposable income into kpop because if i wasn't unhinged about kpop, i would not have this much disposable income lol

i feel like this is 100% an original meaning of girlmath moment tbh

[lokibannerpool]

Update on the Mun

so i have been lurking on here for a while, not really doing any drafts or replies. I’m not abandoning this blog and these muses, I just haven’t had the motivation lately to be active on this account. I have been active on my other blogs for the most part. you can find me on @forcedintoperfection @thevirginandthefool @worldsfastestpredator @strongestcullen  @zorii-unknown and/or @brokenprincessofasgard  

Now for the shitstorm that is my life right now.

If you’re basically homeless and you know it clap your hands  *clap clap*

So we (by we I mean my mom, little brother and I) finally got evicted for reals like around Feburary-ish. My mom’s bright idea for temporary living was to move in with the worst person possible, her crazy ass aunt (on my grandpa’s side). 

Not only was the move stressful, but living here is terrible, and most of that is because my mother’s aunt (i have disowned her so no she’s not my great aunt) is doing everything in her power to make us feel unwelcome. Before I go into details, let me point out that my brother refused to come stay here because he has never felt welcome in this house, so he’s staying with family from our grandmother’s side (still crazy, but slightly more reasonable). And although I technically still have a room there, I did not stay because they hate animals and the great aunt that lives there once told me that if she could make it up the stairs to our old apartment she’d kill my cats. Later she denied it, but yeah... that’s the kind of crazy on that side’ of the family.

I was going to take my cats and live in a hotel from paycheck to paycheck. i had done the math and i could afford 7 days from one paycheck if i literally didn’t buy anything else, and the hotel had free breakfast i didn’t have to worry about food at least if i could save some of the breakfast for lunch then probably do dinner at a family member’s house. (yeah not the best plan but for me if I’m giving up my cats to a shelter I’m giving up on life. plus hotel accepted animals and was legit cheaper than a putting them in a pet hotel which would have been 22 a night per cat... i have 5 cats and a part time job) BUT low and behold my mother pulls some strings with the aunt (only after catching me crying on eviction day because I didn’t know what to do with my babies) and suddenly I can keep the cats as long as they stay in the basement. Not ideal, but more affordable for me so I take it.

Now back to the hell house I’m trapped in.

1) It took a while to move everything in, but I think we were almost full settled in by a Friday or Saturday night. On the Monday (which was like day 3 of living there) my mother’s aunt not only called me repeatedly on my phone, she kept yelling my name from the first floor. When I finally become conscious enough to go see what she wants, she is telling me that I sleep too much, It’s ridiculous how much I sleep, I need to go get a job, I’m not going to sleep my life away in HER house, yada yada, then she goes on about how by my age she was living on her own and paying off her own car (both were confirmed to be lies by sources that were alive at that time. crazy bitch was still sleeping in the bed with her mother at 22).. Now maybe you think that’s not so bad? but I forgot to mention one little detail. 

It was only 8:10 AM  and I had class at 10 am.

My alarm clock was literally set to go off 20 minutes from that time. Not only was it early as fuck, but I had a class to go to so it wasn’t like i was going to be staying in the house all day. SHE KNEW I HAD CLASS, THAT WAS WHAT PISSED ME OFF THE MOST. I had literally been discussing my classes with her for weeks prior to even moving in with her. Another thing that interested me was how she conveniently waited until my mother had left to start harassing me. anyway, so i get dressed because im mad as hell by this point, and i get ready to leave in under 15 minutes so we’re around 8:30am by this point. When I get downstairs she is demanding that I come into her room, and against my better judgement I do but I’m in no mood to talk. She takes one look at my face and asks me “why are you pissed off?”  As if she didn’t know why. I don’t want to curse her out because I wasn’t raised to do things like that so i keep my mouth shut. She keeps trying to get me to talk, and at this point angry tears that I have been trying so hard to hold back are falling and she tells me I’m being dramatic and I’m over reacting. I tell her I have to go to class more than once and she’s still demanding that I sit and talk with her, so I just walk out.    She calls my phone more than once but I don’t answer because I am a) driving and b) still mad as hell. she leaves voicemails. 1 saying that im being overreacting and stuff. the second comes a few hours later with a fake apology after she apparently talked to my mother. I later find out that she lied to my mom and told her that she forgot I had school, yet when I was not trying to talk to her she was telling me i had 2 hours before i had to be in class.. so yeah and that was only the start of day 3 of living there.

2) Fast forward a few days because in this family, we apparently just go on like nothing happened after conflicts like this. My mom comes to me in the morning and warns me that the aunt had threatened to call the human society to take my cats away because I ‘don’t spend enough time with them’. Which pissed off my mom as much as me because she’s seen what I’ve done for these cats in the past 2 years. (especially with Brenda, who is a rescue stray I took in after she was covered in tape by strangers and either dropped at our door or she limped her way up the stairs to us for help, and the two litters of kittens she had in our apartment) 

The aunt confronts me about this after I come down to feed them by asking me “do you really want the cats” and then telling me not to get an attitude when I say “of course I do” rather defensively. She tells me the b.s. she told my mom to which i point out that we literally just got here, i have classes 5 days a week and work 7 days a week. Plus, she’s usually sleep when I come in after work so she doesn’t see me dragging my aching body (still sore from doing the brunt of the moving) down to the basement to replace the food and water and spend time with them before I go to bed and I would literally be sleeping down there if it wasn’t for my mom nagging me about my health (which tbh comes second to the cats in my opinion but she disagrees). She doesn’t seem all that convinced, and my anxiety was through the roof for the longest because i wasn’t sure if i was going to come back to a cat-less basement after work. 

My therapist has been having an earful btw. Literally the week before I knew we were being evicted I spent most of a session trying to find something to talk to her about and now I have at least one new problem ever week. 

3) This woman has no respect for me or my mother. She’s verbally attacked my mother and berated her more than once. (today included) and at one point accused my mom of using her father for money(who died only 2 years prior, and who is the only one who took responsibility for making all the funeral arrangements and is still struggling to pay that bill because no one else wanted to help). This is sidetracking a little, but my mom did a lot for my grandfather. Brought his medical supplies with a loan she had taken out from her job, literally came to wash him up multiple times because his in house nurse wasn’t doing it, and pretty much ran every errand he asked for her and if she couldn’t do it she had me do it for her... so yeah to say she was using him was really fucked up and it really hurt my mom.

3.5) One morning (last week) i literally caught her and her ‘tenant’ (aka her brother’s ex girlfriend who he left for his wife 2 years ago and refuses to leave his family’s home) talking shit about me and my mom. How we’re dirty,  my mom walks too loud, complaining about us having mini conversations late at night (which only happened once), calling my mom fat, and saying that she’s not  ‘dainty’ and ‘feminine’ enough and they don’t know how she kept a man for so long... really just talking trash while im standing at the top of the stairs listening. I wait until they finish to say anything and they’re not even ashamed or apologetic. The aunt literally says “good. now you can tell your mom what i said” after  i said i heard just about all of it. She seemed offended when I refused to be her messenger. She then tried to talk shit about my mom to me, going as far to tell me that my mother a ‘fat slob’. And because I don’t want to be kicked out before we find a place, I have to bite my tongue and just walk away while she purposely baits me and tells me to ‘speak my mind’. 

There is so much more I could write about, like how she (a woman who has never had a cat in her life) is always telling me how to take care of my cats like I don’t know what I’m doing, yet she’s basing this all off the dog she had (but didn’t really want or take care of) over 10 years ago.  Or how she likes to try to provoke me or my mom (but mostly me because I’m the easier target I guess) whenever she’s bored. The fact that she forced cable boxes on us, then demanded my mom pay her $400 for the installation of the cable despite us both making it very clear we didn’t want it. How she’s always trying to say someone is trying to use her as if my mom isn’t paying $800 a month for two little ass rooms and a bathroom/kitchen we have to share with two other people And sooo much more. 

I’ve ended up self harming for the first time in about two-ish years while staying here. My suicidal thoughts are  happening very often and honestly I’ve turned to drinking my feelings away when I’m not cutting them away. I’ve literally been so stressed that my period disappeared for like 3 months (no im not pregnant. gotta be sexually active to get pregnant so yes its stress) and I’m pretty sure I’m developing some sort of repressed anger issues that I should probably mention to my therapist but I keep forgetting. 

So that’s pretty much what’s been going on in my life lately. 

And I don’t know how to end this so... there

[talabib]

How To Defy Human Nature And Grow A Million-Dollar Nest Egg

Who wants to be a millionaire? The answer to that question has always been obvious enough: pretty much everyone. The pressing question is how to earn that money. If you don’t win the lottery or some popular game show, then you’ll have to invent some revolutionary product or start a groundbreaking business.

Well, as it turns out, there is actually an easier way to become a millionaire, and it involves setting up a simple system that puts money from your paycheck directly into secure savings accounts. In this way, anyone can become an automatic millionaire. By setting up automatic payments, even people who are bad at personal finances and sticking to a budget can secure themselves a wealthy future.

What’s more, with the automatic-millionaire plan, you don’t even need to be making a lot of money. As this post will show you, it’s all about making small payments to yourself and committing to it, each and every payday.

You don’t need to earn a lot to become an automatic millionaire; you just need to save small amounts on a regular basis.

You may not think that earning under $40,000 per year will lead to your becoming a millionaire – but if you use this money wisely, you’d be surprised how far it can go.

Take Jim and Sue McIntyre. When they were getting financial advice from an expert, he was astounded to notice that Jim had never earned more than $40,000 a year, yet here they were in their early fifties with nearly $2 million in net worth.

The McIntyres are living proof that the key to success isn’t earning a huge paycheck. It’s being smart and creating yourself an easy-to-manage financial plan.

Soon after their marriage, the McIntyres were lucky enough to receive invaluable financial advice from their parents. Jim and Sue were told that they could either work for their money or make their money work for them.

Obviously, the McIntyres wanted to put their money to work, so they came up with a simple-to-follow plan: employing a portion of every dollar they earned. It started with a mere 4 percent of their income, and, over the next few years, they gradually increased that to 15 percent. To avoid the risk of frequent budgeting arguments, they also set up a system that automatically distributed and budgeted their funds.

What the McIntyres also had going for them was that they established and started this plan early on. This allowed the money they put aside to increase in value exponentially, thanks to its accruing compound interest.

So, with this in mind, there’s a very good chance that you already earn enough to become a millionaire in the years ahead.

Over the past five decades, the average prices on the stock market have risen by around 10 percent every year. This means that if you set aside $2,000 every year during your twenties, when your sixty-fifth birthday rolls around, you’ll have over a million dollars to celebrate with!

This idea of getting rich over time by regularly putting away a small amount is called The Latte Factor. Your average coffee shop latte costs around $3.50, which, as an everyday cost, adds up to around $1,250 per year. If you’re a pack-a-day smoker, spending $7 on cigarettes every day will add up to around $2,500 per year.

Now, let’s say you put aside $10 every day. If we add an annual return of 10 percent, that would leave you with almost $700,000 in 30 years’ time, and nearly $2 million in 40.

So, today is the day to start reconsidering the money you spend on all the “little things,” since there’s a good chance you already have what it takes to become an automatic millionaire!

Pay yourself before you pay anyone else.

We all have unavoidable expenses – things like taxes, rent and insurance. It’s only after we take care of these costs that we can finally set aside some money for ourselves, right? Not so fast. You may think this is the mandatory order of things, but the truth is, you can reverse it.

The first person you should really be giving money to is yourself. After all, you work to support the well-being of yourself and your family, not other people and their businesses.

A quick first step that can immediately correct the order of things, and ensure that you get paid first, is to set up a pre-tax retirement account.

This not only allows for money to be automatically directed to a savings account; it also makes smart financial sense. Since the money in your retirement account will only be taxed when you withdraw it, it’ll likely be taxed at a rate lower than the one your current income is subjected to.

Plus, by diverting these funds, you’ll also have more pocket money now. Say you have an annual income of $50,000. If the current tax rate is 30 percent, that leaves you with a net income of $35,000, and if, after taxes, you put aside $5,000 for retirement, you’ll end up with $30,000. Now, if you use a pre-tax retirement fund, that $5,000 will be taken straight from your initial $50,000, giving you $45,000 to be taxed at 30 percent, which leaves you with $31,500. That’s $1,500 more to spend every year!

So now’s the time to commit to putting away at least one hour’s pay, every day, for future prosperity.

The average American currently saves less than 5 percent of his gross income, which only adds up to 22 minutes worth of daily pay. But the key to being an automatic millionaire is to save at least 10 percent of your gross income – the more the better – and by putting away an hour’s worth of wages, every day, you’ll be sure to hit that mark.

But don’t wait until the end of the year to put aside your 10 percent, or else you’ll likely find that you didn’t budget properly. Instead, automatically take the money out of every paycheck. This is what being an automatic millionaire is all about.

Think of it this way: you can’t afford not to save at least $14 a day for 35 years. With a 10 percent interest rate, this will provide you with a small fortune of $1.6 million!

The key to being an automatic millionaire is to set up automatic payments to savings accounts.

Let’s take another look at the McIntyres, who, despite their modest salaries, became millionaires. Among the secrets to their success was not only a commitment to paying themselves first, but having a way to avoid the stress and unrealistic amount of discipline it takes to budget their spending.

Here’s a general rule of thumb to live by: if it requires a lot of discipline, it probably won’t work.

We humans are not designed to deprive ourselves of instant gratification in order to reap some hypothetical rewards a few decades down the line, so budgeting for the future is something we have very little patience for.

After the McIntyres had a few arguments about saving money, they decided to do things differently and take themselves out of the equation.

Instead of trying to control their behavior, they set up an automatic system for paying themselves first, and the only decision they had to make was the exact percentage of their paychecks they were going to put aside. Once this was decided, they put an automatic payment system in place that deposited the money straight into a savings account.

It’s easy to see why this works. If the money doesn’t show up in your checking account, you won’t be tempted to spend it!

Here are a few more tips to help you set up a great system for automatic saving.

First, remember to make use of the pre-tax retirement account mentioned earlier. This really makes a difference. Second, don’t assume that your current retirement plan is the best one for you. In fact, don’t even assume that you have one.

There may be a better interest rate available. Even if you’re self-employed, you should check your retirement-account options and make sure you have the best one available.

Now, you might be asking, what if I don’t have a retirement plan yet? Go to a bank, brokerage firm or mutual fund company and set up an individual retirement plan as soon as possible.

As you’re looking over your options, pay close attention to the ways your plan can protect you against market fluctuation. This means making sure your money is going into an investment portfolio that is diversified and includes a variety of instruments like bonds, cash, stocks, and Treasury bills.

Rest easy by including an emergency fund in your automatic financial plan.

Unfortunately, there are no guarantees in life when it comes to having a steady, prosperous income. This basic uncertainty can lead to worry – sleepless nights when you’re stuck contemplating all the dreadful what-ifs involving pay-cuts or unexpected layoffs. So it’s only good sense for your automatic financial plan to include an emergency fund.

When you set up an emergency fund, it not only acts as a financial safety net; it can also help you live a more stress-free and unrestrained life.

This is the added benefit of being an automatic millionaire: you build wealth while also putting an end to all the time and energy spent worrying about your finances.

The average American has less than three months worth of expenses saved up in case of an emergency. Under these circumstances, it’s no wonder that the threat of unemployment is an incredibly stressful and common feeling.

So why not reduce this fear and give yourself more freedom by saving up? When you have between six and 18 months’ worth of wages saved up, you’ll find it easier to decline overtime offers from your employer or to change your career path altogether if you’re feeling uninspired by your work.

You can start building up an emergency fund by automatically putting aside 5 percent from every paycheck. But remember, this is a real emergency fund, so you have to treat it as such and only dip into it when there’s something like a natural disaster or a medical emergency to cover.

Now, just like your retirement account, you should make sure your emergency account is in good hands, with a trusted financial institution that will earn you proper interest.

For example, putting your regular 5 percent payments into a money market account is usually a reliable way to ensure you’ll earn more interest than your standard savings account. Government bonds are also a safe bet for earning reliable interest, but just be aware that they can often take more time to cash out.

Still, both of these methods will leave you better off than keeping your emergency savings buried in a jar in your backyard!

Renting costs you more money in the long run, so go the homeownership route.

Jim and Sue McIntyre were not only clever about their automatic savings plan. They made another smart decision when it came to housing. By the time they reached their early fifties, the couple owned two houses; they lived in one and rented the other out, which gave them an additional source of income.

So here, again, we can follow in the footsteps of the McIntyres by ceasing to pay rent and becoming homeowners as soon as possible.

Ultimately, renters end up giving their landlords around the same amount of money as someone would if they were paying the monthly installments on a home-ownership mortgage. But despite paying the same amount, renters have nothing to show for it at the end of the day. What’s worse, all this money going into the landlord’s pocket can keep them strapped for cash and unable to make the leap to homeownership.

If you’re worried that you’d never be able to pay off a mortgage, here’s a reassuring fact: the rate of foreclosures – when a homeowner is evicted for failing to pay off their mortgage – is currently less than 2 percent.

However, when you finally make the move from renting to buying, you’ll have to make some important decisions, such as choosing the right kind of mortgage and coming up with a way to pay it off quickly.

There are a variety of mortgages out there, so choose wisely. When low interest rates are common, it makes sense to use a fixed-rate mortgage. It’s even better to set up a biweekly payment plan with your bank, rather than a monthly plan, as this will allow you to pay off your mortgage faster.

Instead of making twelve payments of the monthly fee, you’ll make 26 payments of half the monthly amount, which adds up to making 13 full payments within the year. And paying off your mortgage as quickly as possible isn’t just a matter of time. Doing so will also mean you’ll pay less interest.

For example, if you have a 30-year $250,000 mortgage, using the biweekly payment plan will save you more than $44,000!

While you can put all of these tips into action immediately, you might be feeling buried by a mountain of debt. So let’s take a look at how you can dig yourself out.

You must eliminate debt by automatically paying off your credit cards and getting rid of them.

If you’re struggling with debt, you’re not alone: the average American family has amassed $8,400 in credit card debt. With that amount, if you only make the minimum amount of payments each month, it’ll be 20 years before you’re in the clear.

Unfortunately, it’s all too easy to fall into debt through the many credit card offers we regularly receive. But remember – debt is not compatible with being an automatic millionaire.

One of the main problems with credit cards is their interest rate, which can be as high as 18 percent. This means that if you don’t pay back what you owe as soon as possible, you could end up paying over twice as much as you originally spent.

For example, let’s say you use your credit card to cover $1,000 worth of holiday shopping. If you only pay the minimum monthly payments, you’ll end up paying $2,100 over time – that’s $1,100 in interest!

If you’re currently in debt, there are three steps you can take to get yourself out.

First is to get rid of your credit cards. You’ll never be debt-free if you continue living on credit.

The next step is to renegotiate your debt. If you call your credit provider and say you’re willing to switch providers, you can usually convince them to give you a much lower interest rate on your debt.

If your debt is spread over multiple accounts, see if you can move it all into one account – whichever has the lowest rate. If this isn’t an option, you’ll need to start paying off the cards one by one.

Prioritize whichever card has the lowest ratio of outstanding balance to minimum payment. This is the debt you should pay off first. Once that’s done, move on to the card with the second lowest ratio, and so forth until all your cards are paid off. Then cancel them.

The last step is to adjust your financial plan so that you’re automatically paying off your past debt as well as investing in your future self. To do this, you take the money you’re paying yourself from every paycheck and devote half of it to paying off your debt while the other half goes toward your future millionaire status. This way, you can still feel good about that bright future.

Start feeling rich today by setting up an automatic charity account.

Even though the automatic millionaire strategy isn’t about making you rich overnight, it can help you start feeling rich right away. How? By enabling you to automatically giving a portion of your money to charity.

Setting up an automatic donation can easily be made part of your overall financial plan. And here, once again, we can take a cue from our friends the McIntyres.

As part of their financial plan, Jim and Sue began automatically donating a specific portion of their income every month. Like the other payments, the money was taken directly from their paycheck and sent to a charity, thus never appearing in their checking account.

Now, how much you want to donate is your choice, but a good way to start might be with a small amount, like 1 percent of your paycheck. If this goes well, you can then decide to gradually increase the amount. Whatever that amount is, and whatever the charity is, one thing is certain: you’ll be making a difference in the lives of people who need your help.

You may think that only rich people can afford to be charitable, but this isn’t the case. Look at the American-British investor Sir John Templeton, whose philanthropy began long before he became a billionaire financial powerhouse. Donating money clearly didn’t get in the way of his money-making abilities, and it won’t get in the way of yours, either.

If you want to make sure your money makes the biggest difference it possibly can, you should do your homework and double-check the quality of the charity you’re considering.

Once, Jim found out that a charity he’d been donating to only gave 40 percent of its proceeds to the supposed cause, so it’s safe to say that some charities are more effective than others. Fortunately, there’s a lot of info available online, so you can conduct your own research and feel confident about your choice.

Another benefit in making charitable donations is that they’re tax deductible, which means that whatever amount you donate is exempt from taxation. So, for every dollar you give to charity, in the long run, you’ll actually end up spending less than a dollar once your taxes are sorted out.

But it’s also worth noting that money isn’t the only way to contribute to a noble cause. There’s very likely a local food bank or shelter that could use your time as much as it could use your money.

If you want to stop worrying about money and build yourself the financial future of your dreams, you should do one simple thing: pay yourself first! And whether it’s creating a retirement plan, setting aside some emergency money or paying off your debt, the most important thing is to do it automatically. This way you can benefit from compound interest, and, as the years go by, you can sit back, relax and accumulate millions.

Action plan: Check your current finances

Take a moment to comprehensively assess your current personal finances. What assets do you own? What debts do you have? How much are your monthly costs and income streams? Getting an accurate view of your current situation is the first step in understanding and improving your finances.

[easyfoodnetwork]

Can Restaurants Survive Shutting Down Again?

Restaurants may close again | Ben Gabbe/Getty Images

Closing dining rooms once cost a lot of money, but closing twice could be even worse

At Twisted Soul Cookhouse and Pours in Atlanta, masked servers whisk plates draped in plastic to socially distanced tables separated by plastic screens, all beneath the hum of a ventilation system upgraded with UV filtration. Excess tables and chairs, including all bar seating, have been removed. An employee at the door provides complimentary masks to customers who arrive without them.

Twisted Soul chef and owner Deborah VanTrece has gone above and beyond recommended safety measures, a stark contrast to leadership in Georgia. Gov. Brian Kemp allowed restaurants to return to full indoor capacity on June 16, and the state has since seen surges in COVID-19 cases. VanTrece has provided a safer space at Twisted Soul, but it’s come at a cost: $5,000 to sanitize the building and install filtration systems, over $3,000 on partitions, daily costs for masks and hand sanitizer, and the emotional burden of dealing with combative customers who refuse to wear masks.

Those costs have forced VanTrece to consider closing the dining room and returning entirely to carryout, but sacrificing dine-in business doesn’t seem financially feasible either. The longer she and the team can hold out, the better the restaurant’s chances of surviving in the coming months, no matter how the health crisis unfolds.

“We’re praying we can keep going with the dining room open, but we’re also trying to prepare ourselves for the possibility that that might not be the reality,” VanTrece says. While daily costs of operating a COVID-era restaurant are significant, she describes dining room service as a financial Band-Aid. “It doesn’t cover the whole wound, but we’re not bleeding as quickly.”

VanTrece is just one of many chefs and restaurant owners across the country facing a second closure, either by choice or government mandate, amid rebounding cases of COVID-19. Officials in some areas have rolled back reopening plans and closed dining rooms. Other cities and states could follow if the pandemic continues unchecked.

View this post on Instagram

Here’s a look at some of the precautions we are taking to keep you safe while dining with us! Each table has been carefully placed six feet apart and is enclosed with partitioning screens. We have also installed a UV filtration system in our air conditioning unit that will be continuously cleaning all air that circulates throughout the dining room. We look forward to seeing you soon! ❤️

A post shared by Twisted Soul (@twistedsoulcookhouse) on Jun 17, 2020 at 8:19am PDT

In New York, where Mayor Bill de Blasio nixed plans to allow indoor dining in June, Popina co-owner James O’Brien fears a second closure could be a death knell. After closing the restaurant’s dining room on March 25, he says the team tried focusing on takeout for about a week. But delivery didn’t provide enough business for the pasta-heavy outfit, especially since the restaurant operates delivery through its own website rather than a third-party platform. Like other restaurateurs turned grocers, the Popina team shifted toward offering pantry goods (including a cook-at-home pasta kit) and wine from their closed dining room.

Since the restaurant’s backyard reopened on June 24, 90 percent of business has come from outdoor dining, providing a glimmer of hope that the business can survive. If the restaurant can make enough money during the summer, before shutting down the patio sometime in the fall or winter, O’Brien says he might take a pay cut, reduce staff, and offer takeout through third parties to keep the restaurant going. But if an order to shut down comes sooner, he says Popina might close completely.

“The reality is, if we could bank enough money in the summer, when October and November come around, one of our options is close again until March of next year,” O’Brien says, though he admits that’s an emergency scenario since it would be incredibly difficult for staff laid off in the middle of winter. He considered asking his landlord to defer rent, but ultimately decided against it, since the deferred payments could land on the restaurant during an even worse period later in the year. For now, he’s maximizing profits while the sun is shining.

The situation is even bleaker for bars that drive business through drinks, like Cuban-inspired cocktail bar Palomar in Portland, Oregon. Owner Ricky Gomez began seating guests on the building’s rooftop on June 2, but for him, the economics don’t make sense for takeout. Unlike Oregon’s neighboring states, a state statute prohibits bars from selling to-go cocktails, and the Oregon Liquor Commission can’t override the law with a temporary measure. A solution would have to come from the state legislature in a special session, followed by Gov. Kate Brown’s signature.

“We do only 35 percent food revenue compared to alcohol revenue,” Gomez says. “With third-party vendors taking a large portion, we didn’t think it was financially viable for us to open up for to-go food solely.”

He’s currently relying on a PPP loan, which will see the business through until August. “If we’re shut down after that time, we would have to go back to our landlords to see about having them waive rent. If they did not, we would close for good,” he says. He points out that if he had spent his loan money immediately, the bar would already be closed. Like O’Brien, Gomez fears winter will be especially devastating without further assistance. “You’re going to see a second wave of closures in January and February. There’s a lot right now, but I think the second wave is actually going to be much worse because there isn’t the buffer of the PPP as well.”

Courtesy of Palmoar

Palomar rooftop seating

That fear is already guiding Gomez’s decisions, including about how many staff members to employ. With limited capacity on the rooftop, he could only bring back a fraction of his workers in order to remain profitable and build a financial buffer against closing outdoor seating in the future.

“I basically had to call staff members a second time and tell them we did not have a position for them. It felt like we had to lay them off twice,” he says. “Personally that’s the biggest gut-wrencher: laying people off twice that have done nothing wrong.” That experience could foreshadow what’s to come for many managers and owners if they have to shut dining rooms or outdoor dining.

Across town, the situation looks significantly different for Deepak Kaul, chef-owner at Bhuna. Pre-COVID, much of the Indian restaurant’s business came from downtown office workers during lunch. That business has dried up completely, Kaul says, and the restaurant hasn’t seen much interest since opening an outdoor dining area in late June.

“We’re not seeing any massive change here on our revenue. Maybe it’s too soon to tell, but there’s no ‘Holy smoke, we’re back in the game.’ We’re still down 50 percent if not more,” Kaul says. His customers remain wary about dining out, and he blames a few cavalier people who refuse to wear masks for scaring off would-be diners.

“I’m kind of hoping they do shut us down again, honestly. It’s a waste of my money and my time [to offer outdoor dining],” Kaul says. He would rather focus on delivery, where the restaurant has always had a strong presence.

Takeout is murkier for a restaurant like Riel in Houston, where Gov. Greg Abbott recently scaled back reopening following a virus surge. Following COVID-19 outbreaks at nearby restaurants, Riel recently closed temporarily to test the entire staff. (All the tests came back negative.) Yet even for a team willing to close to ensure customer and staff safety, shuttering the dining room for months isn’t an option as long as other businesses remain open to seat guests.

Ryan LaChaine, executive chef and partner, says Riel saw booming takeout business right after the state shut dining rooms in March. But as more restaurants pivoted to delivery, competition increased and sales dropped. When Gov. Abbott allowed restaurants to reopen at 25 percent indoor capacity, the Riel team held off, waiting until they could seat 50 percent inside. Others leapt to open as soon as they could.

“A lot of restaurants did open at 25 percent and then that hurt the to-go business even more because people could go out,” LaChaine says. “We don’t have the luxury of shutting down and waiting this out. We have rent. We have taxes. I have a staff that depends on a paycheck.”

The recent temporary closure at least proved the Riel team could shut down safely and quickly without too much waste, since the restaurant has operated with tighter inventory since reopening. Other owners also feel better positioned to close should they need to do so. O’Brien admits that when the team was cleaning out the Popina dining room during the first shutdown, he threw away a lot of inventory that could have been sanitized, a mistake he won’t make again.

Courtesy of Popina

Popina take-home pasta kits

Still, shutting down again could be just as frenetic as the first time if the order comes suddenly, as it did in California, or is complicated by conflicting statements, as happened in Miami-Dade County. Owners can monitor news to stay ready, but it’s ultimately impossible to fully prepare.

“We’re trying to be proactive, but it’s tough when there’s not a lot of leadership and a lot of guidance,” LaChaine says. “You want to know how to cook something? I can tell you that. You want to know what to do in a pandemic? I really have no idea.”

That unpredictability is causing a lot of anxiety for restaurant owners, even those like Mashelle Sykes, who foresaw the possibility of closing down again after reopening for indoor dining. Sykes runs Fusion Flare Kitchen and Cocktails in Detroit, where rising numbers of COVID-19 cases make it tough to plan for the future.

“People are a little afraid now because the numbers have gone back up,” she says. “They are confused. A lot of them are choosing not to eat in because of the risks.” Businesses may lose even more customers to confusion as cities and states rapidly announce new changes to public health policy.

That foreboding atmosphere only adds pressure to make the most of indoor and outdoor dining while they’re still available. As O’Brien puts it, “With all this uncertainty, how do we make the most money right now in the most responsible way?”

Rather than wait for the situation to change further, Kaul is considering getting ahead of the devastation. He doubts many downtown Portland offices will ever return, with employees working remotely for years to come, so he may drop lunch service altogether and stick to takeout in the evenings. “If you run lean, you survive. If you can’t run lean, you’re done,” he says. Gomez also foresees long-term problems for restaurant business. While the PPP program provides a short-term fix, he’s hoping government officials can get together on long-term tax breaks and other financial aid, as well as loosening regulations like those on to-go alcohol that prevent the industry from evolving.

As restaurants stare down a winter season that could foster another wave of COVID-19 cases, which may force even the most unwilling states to close dining rooms, most owners and chefs focus on the day-to-day. They need to squeeze the summer season for all the revenue they can.

“Right now, I can see the light at the end of the tunnel if I can keep the dining room open,” VanTrece says. “With each day, with each month we’re still here, we consider ourselves blessed we’ve done the right thing.”

from Eater - All https://ift.tt/32J85Bd https://ift.tt/3hqW07T

Restaurants may close again | Ben Gabbe/Getty Images

Closing dining rooms once cost a lot of money, but closing twice could be even worse

At Twisted Soul Cookhouse and Pours in Atlanta, masked servers whisk plates draped in plastic to socially distanced tables separated by plastic screens, all beneath the hum of a ventilation system upgraded with UV filtration. Excess tables and chairs, including all bar seating, have been removed. An employee at the door provides complimentary masks to customers who arrive without them.

Twisted Soul chef and owner Deborah VanTrece has gone above and beyond recommended safety measures, a stark contrast to leadership in Georgia. Gov. Brian Kemp allowed restaurants to return to full indoor capacity on June 16, and the state has since seen surges in COVID-19 cases. VanTrece has provided a safer space at Twisted Soul, but it’s come at a cost: $5,000 to sanitize the building and install filtration systems, over $3,000 on partitions, daily costs for masks and hand sanitizer, and the emotional burden of dealing with combative customers who refuse to wear masks.

Those costs have forced VanTrece to consider closing the dining room and returning entirely to carryout, but sacrificing dine-in business doesn’t seem financially feasible either. The longer she and the team can hold out, the better the restaurant’s chances of surviving in the coming months, no matter how the health crisis unfolds.

“We’re praying we can keep going with the dining room open, but we’re also trying to prepare ourselves for the possibility that that might not be the reality,” VanTrece says. While daily costs of operating a COVID-era restaurant are significant, she describes dining room service as a financial Band-Aid. “It doesn’t cover the whole wound, but we’re not bleeding as quickly.”

VanTrece is just one of many chefs and restaurant owners across the country facing a second closure, either by choice or government mandate, amid rebounding cases of COVID-19. Officials in some areas have rolled back reopening plans and closed dining rooms. Other cities and states could follow if the pandemic continues unchecked.

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Here’s a look at some of the precautions we are taking to keep you safe while dining with us! Each table has been carefully placed six feet apart and is enclosed with partitioning screens. We have also installed a UV filtration system in our air conditioning unit that will be continuously cleaning all air that circulates throughout the dining room. We look forward to seeing you soon! ❤️

A post shared by Twisted Soul (@twistedsoulcookhouse) on Jun 17, 2020 at 8:19am PDT

In New York, where Mayor Bill de Blasio nixed plans to allow indoor dining in June, Popina co-owner James O’Brien fears a second closure could be a death knell. After closing the restaurant’s dining room on March 25, he says the team tried focusing on takeout for about a week. But delivery didn’t provide enough business for the pasta-heavy outfit, especially since the restaurant operates delivery through its own website rather than a third-party platform. Like other restaurateurs turned grocers, the Popina team shifted toward offering pantry goods (including a cook-at-home pasta kit) and wine from their closed dining room.

Since the restaurant’s backyard reopened on June 24, 90 percent of business has come from outdoor dining, providing a glimmer of hope that the business can survive. If the restaurant can make enough money during the summer, before shutting down the patio sometime in the fall or winter, O’Brien says he might take a pay cut, reduce staff, and offer takeout through third parties to keep the restaurant going. But if an order to shut down comes sooner, he says Popina might close completely.

“The reality is, if we could bank enough money in the summer, when October and November come around, one of our options is close again until March of next year,” O’Brien says, though he admits that’s an emergency scenario since it would be incredibly difficult for staff laid off in the middle of winter. He considered asking his landlord to defer rent, but ultimately decided against it, since the deferred payments could land on the restaurant during an even worse period later in the year. For now, he’s maximizing profits while the sun is shining.

The situation is even bleaker for bars that drive business through drinks, like Cuban-inspired cocktail bar Palomar in Portland, Oregon. Owner Ricky Gomez began seating guests on the building’s rooftop on June 2, but for him, the economics don’t make sense for takeout. Unlike Oregon’s neighboring states, a state statute prohibits bars from selling to-go cocktails, and the Oregon Liquor Commission can’t override the law with a temporary measure. A solution would have to come from the state legislature in a special session, followed by Gov. Kate Brown’s signature.

“We do only 35 percent food revenue compared to alcohol revenue,” Gomez says. “With third-party vendors taking a large portion, we didn’t think it was financially viable for us to open up for to-go food solely.”

He’s currently relying on a PPP loan, which will see the business through until August. “If we’re shut down after that time, we would have to go back to our landlords to see about having them waive rent. If they did not, we would close for good,” he says. He points out that if he had spent his loan money immediately, the bar would already be closed. Like O’Brien, Gomez fears winter will be especially devastating without further assistance. “You’re going to see a second wave of closures in January and February. There’s a lot right now, but I think the second wave is actually going to be much worse because there isn’t the buffer of the PPP as well.”

Courtesy of Palmoar

Palomar rooftop seating

That fear is already guiding Gomez’s decisions, including about how many staff members to employ. With limited capacity on the rooftop, he could only bring back a fraction of his workers in order to remain profitable and build a financial buffer against closing outdoor seating in the future.

“I basically had to call staff members a second time and tell them we did not have a position for them. It felt like we had to lay them off twice,” he says. “Personally that’s the biggest gut-wrencher: laying people off twice that have done nothing wrong.” That experience could foreshadow what’s to come for many managers and owners if they have to shut dining rooms or outdoor dining.

Across town, the situation looks significantly different for Deepak Kaul, chef-owner at Bhuna. Pre-COVID, much of the Indian restaurant’s business came from downtown office workers during lunch. That business has dried up completely, Kaul says, and the restaurant hasn’t seen much interest since opening an outdoor dining area in late June.

“We’re not seeing any massive change here on our revenue. Maybe it’s too soon to tell, but there’s no ‘Holy smoke, we’re back in the game.’ We’re still down 50 percent if not more,” Kaul says. His customers remain wary about dining out, and he blames a few cavalier people who refuse to wear masks for scaring off would-be diners.

“I’m kind of hoping they do shut us down again, honestly. It’s a waste of my money and my time [to offer outdoor dining],” Kaul says. He would rather focus on delivery, where the restaurant has always had a strong presence.

Takeout is murkier for a restaurant like Riel in Houston, where Gov. Greg Abbott recently scaled back reopening following a virus surge. Following COVID-19 outbreaks at nearby restaurants, Riel recently closed temporarily to test the entire staff. (All the tests came back negative.) Yet even for a team willing to close to ensure customer and staff safety, shuttering the dining room for months isn’t an option as long as other businesses remain open to seat guests.

Ryan LaChaine, executive chef and partner, says Riel saw booming takeout business right after the state shut dining rooms in March. But as more restaurants pivoted to delivery, competition increased and sales dropped. When Gov. Abbott allowed restaurants to reopen at 25 percent indoor capacity, the Riel team held off, waiting until they could seat 50 percent inside. Others leapt to open as soon as they could.

“A lot of restaurants did open at 25 percent and then that hurt the to-go business even more because people could go out,” LaChaine says. “We don’t have the luxury of shutting down and waiting this out. We have rent. We have taxes. I have a staff that depends on a paycheck.”

The recent temporary closure at least proved the Riel team could shut down safely and quickly without too much waste, since the restaurant has operated with tighter inventory since reopening. Other owners also feel better positioned to close should they need to do so. O’Brien admits that when the team was cleaning out the Popina dining room during the first shutdown, he threw away a lot of inventory that could have been sanitized, a mistake he won’t make again.

Courtesy of Popina

Popina take-home pasta kits

Still, shutting down again could be just as frenetic as the first time if the order comes suddenly, as it did in California, or is complicated by conflicting statements, as happened in Miami-Dade County. Owners can monitor news to stay ready, but it’s ultimately impossible to fully prepare.

“We’re trying to be proactive, but it’s tough when there’s not a lot of leadership and a lot of guidance,” LaChaine says. “You want to know how to cook something? I can tell you that. You want to know what to do in a pandemic? I really have no idea.”

That unpredictability is causing a lot of anxiety for restaurant owners, even those like Mashelle Sykes, who foresaw the possibility of closing down again after reopening for indoor dining. Sykes runs Fusion Flare Kitchen and Cocktails in Detroit, where rising numbers of COVID-19 cases make it tough to plan for the future.

“People are a little afraid now because the numbers have gone back up,” she says. “They are confused. A lot of them are choosing not to eat in because of the risks.” Businesses may lose even more customers to confusion as cities and states rapidly announce new changes to public health policy.

That foreboding atmosphere only adds pressure to make the most of indoor and outdoor dining while they’re still available. As O’Brien puts it, “With all this uncertainty, how do we make the most money right now in the most responsible way?”

Rather than wait for the situation to change further, Kaul is considering getting ahead of the devastation. He doubts many downtown Portland offices will ever return, with employees working remotely for years to come, so he may drop lunch service altogether and stick to takeout in the evenings. “If you run lean, you survive. If you can’t run lean, you’re done,” he says. Gomez also foresees long-term problems for restaurant business. While the PPP program provides a short-term fix, he’s hoping government officials can get together on long-term tax breaks and other financial aid, as well as loosening regulations like those on to-go alcohol that prevent the industry from evolving.

As restaurants stare down a winter season that could foster another wave of COVID-19 cases, which may force even the most unwilling states to close dining rooms, most owners and chefs focus on the day-to-day. They need to squeeze the summer season for all the revenue they can.

“Right now, I can see the light at the end of the tunnel if I can keep the dining room open,” VanTrece says. “With each day, with each month we’re still here, we consider ourselves blessed we’ve done the right thing.”

from Eater - All https://ift.tt/32J85Bd via Blogger https://ift.tt/2OIJ94G

[shandragdotson]

Budgeting: An Action-Driven Pep Talk

As the season of spontaneous summer spending comes to a close, the fundamentals are on Team YNAB’s minds. Follow the blog this September for all of the budgeting basics—including the ‘why’ and ‘how’ behind budgeting, saving and spending. There may even be a pop quiz or two. Class is in session, so follow along!

  If you’re ready to accomplish a lot more with your money than you ever imagined—you’re in the right place. See, budgeting is about much more than simply fixing financial problems. After you’ve practiced giving every dollar a job (that’s Rule One), a funny thing happens. Not only do you start making progress on your weak spots—paying off the debt, breaking the paycheck-to-paycheck cycle, etc.—you start imagining what other things you’d like to accomplish.

… fun things.

… life-enriching things.

… things that you never thought would be possible.

That’s the true power of budgeting, and it’s available to anyone who’s willing to step out of their comfort zone and give it a real go. And here are seven things you can do to achieve budgeting success. The sooner you start, the sooner you’ll win!

1. Define Your Version of Happiness

Here’s the thing, intellectually, you know that being debt-free or having some money in the bank would make you happy. Life would be way less stressful, which is a great perk. The problem is that knowing this doesn’t generally create much urgency around making it happen. It’s far too easy to spend impulsively on whatever shiny thing has our attention at the moment. I mean, takeout for dinner sounds delicious, right?

That’s why it’s important to define the life you want to live. Instead of focusing on fixing problems (not much fun) or cutting back (also, not much fun), you shift your thoughts to what you want—the big stuff, not the silly details that you’ll forget by this time, next year. Maybe you really want to own a home large enough for each of your kids to have their own bedroom. Maybe, you want to quit your job and travel. Or, maybe, you just really want a Tesla.

Try this journaling exercise, and dig deep. Paint a picture so pretty that you can’t help but be motivated to make it happen, and go big!

2. Set Tangible Goals

Great. Now you’ve got a vision. To make it happen, you’re going to need a game-plan (it’s your budget!). And if you want your plan to be effective, you’re going to have to break it down into small, manageable bites.

At YNAB, we call them goals, and they’re like the cheerleaders of your budget. Every time you log into YNAB, you’ll see colorful reminders of your progress and be encouraged to keep going. If you’re totally new to budgeting, check out this thorough post on setting up your first YNAB budget template, goals and all.

3. Expect Slip-Ups

Life is unpredictable, and the last thing you want to do is get discouraged and quit. That’s why Tip Three is, appropriately, to employ Rule Three—you’ve got to be able to roll with the punches.

You will slip up and get the takeout when you’ve already spent all of your ‘Eating Out’ money for the month. Your car will break down. Your bills will go up. Sometimes, all of it will happen at once! It’s nearly impossible to plan for everything (although you’ll get much better at it with practice!).

The important thing is to keep your focus on the long-game. Don’t let today’s setbacks become tomorrow’s regrets. Cover your overspending, and carry on with your plan!

4. Create Accountability

If you’re budgeting with a partner, you’ve got accountability built-in with the power of budgeting dates. Great. If not, and you think it would help, why not recruit some friends? You don’t have to share actual numbers if you don’t want to, but you could share your aspirations and set up some check-ins. Or, join the YNAB Fans Facebook group, and surround yourself with like-minded people.

5. Leave Room for Fun

If you’re not motivated by accountability buddies, then perhaps some fun money will do the trick. Even if you can only squeeze an extra five dollars out of your budget for fun, it might be just enough to make life feel tolerable when you’re really pushing hard on your financial goals.

You might also set up mini-budgeting goals to treat yourself along the way. What would you like for your three-month budget-versary? Reward yourself for all of your work, but in a planned-out, budget-friendly way.

6. Enjoy the Present

As you begin redirecting your money towards those big, life priorities, there will be areas where you’ll have to cut back. You might decide to switch from new to second-hand clothes. Maybe you’ll give up your Amazon habit. Or maybe you’ll cook more at home. But change doesn’t have to mean misery!

Keep an open mind and look for new ways to have fun. You might be surprised how much satisfaction you’ll feel when you make spending decisions that support your long-term happiness. If you have a rough moment, remember that gratefulness is potent.

7. Download a Free Trial of YNAB

If you’re ready to take back control of your cash, download our free, 34-day trial. On average, new budgeters save $600 by month two and more than $6,000 in the first year! Give it a spin, and if you have any questions, drop into our free, 20-minute, online classes. Our teachers would love to answer all of your questions.

Your Homework

Give your version of happiness some deep thought, and write it down for extra credit! The more specific, the better. See Tip One, for reference.

Download a trial of YNAB, if you don’t already have it!

Set a goal. (See Tip Two.) Make it specific, and give it a due date.

The post Budgeting: An Action-Driven Pep Talk appeared first on YNAB.

from Finance https://www.youneedabudget.com/budgeting-an-action-driven-pep-talk/ via http://www.rssmix.com/

[i-am-very-very-tired]

Like most people my age, I found out that the American Health Care Act of 2017 (AHCA) had passed the House of Representatives via social media. My Twitter feed was filled with outrage about defunding Planned Parenthood and so my rage focused there, too. I wrote my representatives, composed a tweet of my own, decided to donate my time and money, and vowed that the next time I saw some old, white men protesting outside of my local Health Center I would give them more than just a dirty look. I thought that was the worst of it. But the next day, I saw #IAmAPreExistingCondition trending on Twitter, and after that, my entire outlook on the AHCA changed. As I scrolled through the tweets, it hit me that the AHCA could destroy more than just my reproductive rights. It could ruin my whole life. I had never had to deal with insurance issues like this before. I was covered under my mother’s insurance until I took my first job —ironically enough, working in a phone bank for a company that mainly denied appeals for Medicare coverage— and none of my health struggles emerged until months after I’d been hired. Too late for Blue Cross Blue Shield to hold them against me. When I switched to insurance I selected under the Health Insurance Marketplace in 2015, no insurance provider could deny me coverage, raise my premiums, or refuse to pay for benefits because of a pre-existing condition. The same held true when I became a Massachusetts resident in 2016 and applied for MassHealth. I didn’t even know how many pre-existing conditions I had. I panicked, googled “American Health Care Act pre-existing conditions,” and read everything I could find from reliable sources. According to The Henry J. Kaiser Family Foundation, CNN, Time, Rolling Stone, New York Magazine, the Center for Medicare and Medicaid Services (CMS), and NH Health Cost, I have 17 pre-existing conditions that, before the ACA took effect, insurers could have used as an excuse to refuse to cover me or to severely raise my premiums, including: ▪A mild-to-moderate alcohol use disorder. ▪Back pain. ▪Mental disorders, including: Mild agoraphobia. Anxiety. ADHD. Bipolar disorder. Complex post-traumatic stress disorder (C-PTSD). Depression. Seasonal affective disorder. ▪Menstrual irregularities. Sleep disorders, including: ▫BruxismREM Sleep Behavior Disorder. ▪Trauma as a result of domestic violence and sexual assault. Oh, and I guess I should also mention that I’m into BDSM and being choked, as those are sexual masochism disorders listed in the DSM-V. Why? Because according to experts interviewed by Time, having a “sexual deviation or disorder” could be a problem. Considering the Vice President’s stance on LGBTQ+ rights, being a queer, gender non-conforming, polyamorous woman who often wears men’s clothes may also be an issue, especially since it’s in my psychiatrist’s files. This brings my grand total to 19 pre-existing conditions. If you count my sexuality, dating lifestyle and gender expression, that’s 22. Based on my family history, I’m at risk for three more—Alzheimer’s, breast cancer, and diabetes— and since I’ve applied for disability twice, that could also factor against me, according to Senator Sherrod Brown (D-OH). It can take no more than one of my medical conditions to disqualify me from coverage or to make my premium so high as to be unaffordable. Right now, I pay almost nothing for health care. I live in Massachusetts and qualify for MassHealth CarePlus based largely on my income; since I don’t make more than 133 percent of the federal poverty level ($1,305 a month), I don’t pay premiums or copayments. I haven’t had to enter treatment for alcohol abuse, but if I did, it would be completely covered. When I threw out my back (again) a few months ago, all my treatment was covered, and when I ended up in the hospital because the muscle relaxants I was prescribed gave me serotonin syndrome, I never received a bill. I see my trauma therapist and psychiatrist and attend group therapy for free, and when I went for four hours of neuropsychological testing to confirm my ADHD diagnosis, all it cost me was time. The same was true when I got an IUD (at Planned Parenthood, bless them), which I use for birth control and to eliminate my formerly monstrous periods. Are you getting the picture? None of my pre-existing conditions affect my life in any way because I’m covered by a system that’s essentially the same as the Affordable Care Act. The only costs I incur are for my six medications: Seroquel, two types of Depakote, Klonopin, Effexor, and Adderall. They each cost $3.65 per month, $21.90 all told. That’s the extent of the financial obligation to my health, apart from prescriptions for routine things, like strep throat (I’m prone to it) or UTIs and yeast infections. Even then, there’s some wiggle room. According to my MassHealth handbook, I never have to pay more than $250 in any given year for prescriptions and if I can’t afford a copayment, all I have to do is tell my pharmacist. Legally, they still have to give my the medication and the fee is “put on my tab,” as it were. Setup Timeout Error: Setup took longer than 30 seconds to complete. If I applied for insurance under AHCA policies and was denied, I would end up paying around $100 per hour for therapy, $125 to 285 per hour for psychiatry, about $50 per session for group therapy, and $588.42 for my medications (using a discount card). My basic mental health care costs would be $1,688.42 to $2,328.42 per month, hundreds more than I make. Even by cutting every possible cost (canceling my cell phone, placing the full burden of household expenses on my partner, and never spending a cent on clothes, personal care products, or other “extras”), I’d still come up short. There is also the possibility that, if Massachusetts adopted the AHCA’s guidelines, I would end up in a high-risk insurance pool, a state-created health care market for people who are especially sick or who were denied other health insurance coverage. The problem is that whereas “normal” insurance companies receive premiums from healthy people to cover the costs of the sick, no such offset exists in these pools. As a result, premiums and deductibles skyrocket, yearly and lifetime coverage costs can be limited, and what coverage there is tends to be inadequate. Even still, people end up on waitlists for this impotent insurance because there isn’t enough funding to meet demand. But let’s say I could afford a premium of $298.75 to $478 per month, a deductible of about $10,000 per year, and that I wouldn’t end up on a waitlist. Even then, I’d most likely be subject to a waiting period during which treatment for my pre-existing conditions would not be covered. As of 2013, Massachusetts’ group health plans allowed a maximum exclusion period —the period during which insurers can refuse to cover treatment related to pre-existing conditions— of six months, half a year in which I’d be paying that $1,688.42 to $2,328.42 a month, plus hundreds more for insurance that wouldn’t cover my basic needs. Since my treatment and medication would cost so much with insurance, I might even be tempted to go without—as I imagine many others in my situation would. However, Section 133 of the bill would almost eliminate any desire to get coverage if my financial situation changed; it forces insurers to increase premiums by 30 percent for anyone with a break in coverage of 62 days or more. Anyone with pre-existing conditions, especially those who also experience financial difficulty, would be practically legislated into debt, whether they chose to seek coverage or not. The state itself might not even feel that it’s worthwhile to make a high-risk pool. Section 132 of the AHCA states that in order to receive their share of funding to create these pools, they have to match federal funds “at a rate that grows from 7 percent in 2020 to 50 percent in 2026.” That probably has something to do with the AHCA also repealing the tanning tax and the Net Investment Income Tax, and would allow insurance companies to deduct employee salaries of $500,000 or more. Hey, the money to take care of sick people has to come from somewhere. But it won’t be from tanning salons that cause skin cancer or the richest 2 percent of the population. Certainly not from the insurance companies that pay next to nothing in taxes, anyway. My worries about the AHCA extend beyond my own health. My partner, to whom I’m committed in all but marriage, has often helped me financially. He works full time at a marketing firm and his paychecks are steady, whereas mine are sporadic. I pay any bills under my own name, but we negotiate rent, food, and creature comforts based on the state of my checking account. I mention this only because he has four pre-existing conditions of his own: ADHD, anemia, depression and hypertension, and has a family history of seven more: addiction, asthma, brain cancer, high cholesterol, obesity, sleep apnea, and ulcers. Although he receives health insurance through his employer, he’s still not safe. The mandate that large employers must provide affordable health insurance to their employees would be repealed under the AHCA, as would the penalty for large employers that don’t cover essential health benefits, like pregnancy costs and preventative medicine (not to mention the mental health coverage we both need). His company might decide to cut costs in one of two ways: by offering cheap plans that don’t cover essential benefits, or by offering expensive plans that do. Either way, his plan couldn’t deny or change his coverage based on the AHCA, but if we were to throw aside our choice of commitment and marry so I could be covered as his dependent, we might not be able to afford it due to my health history. If the AHCA were to pass, I’d be left in a precarious situation. Under AHCA policies, cost sharing for low-income individuals like myself would be gone by 2020, as would the premium assisted tax credit, which allows me to receive a return on the unused amount come tax time. The heightened costs of health care (or going without care due to those costs) would push my anxiety through the roof. I have already been admitted to inpatient psychiatric units twice for this reason, and, under the AHCA, I’m sure I would soon be back. According to the Department of Health and Human Services, there were 67 million women who met the narrow definition of a pre-existing condition in 2014, 8 million people in my age group (25 to 34), and 45 million Americans who qualified on the basis of a behavioral health disorder. I may be just one, but I am one among millions whose lives would be irreparably sabotaged by the American Health Care Act, a bill that treats the health of American citizens with anything but care. Liz Lazzara is an essayist and mental health advocate living and working in Boston, MA. She is currently working on a memoir about complex post-traumatic stress disorder.

[elizabethcariasa]

Estimated tax payment deadlines have changed, but you still have calculation options

The first two estimated tax payments for 2020 aren't due this week because of COVID-19 changes, but it's still time to look at how much you owe via 1040-ES and how best to figure those amounts.

I've paid estimated taxes for almost as long as I've filed taxes. These payments, in case this tax is new to you, are the equivalent of withholding.

With estimated taxes, however, we taxpayers must cover the income (and usually other) tax on things like freelance earnings or investment payouts since we get the money without anything being taken out beforehand for Uncle Sam.

There are four estimated tax due dates, shown in the table below.

Payment #

Due Date

For income received in  

1

April 15

Jan. 1 through March 31  

2

June 15

April 1 through May 31  

3

Sept. 15

June 1 through Aug. 31  

4

Jan. 15 of the next year

Sept. 1 through Dec. 31  

When the due date falls on a weekend or federal holiday, the payment is not due (or postmarked if you mail it) until the next business day.

Wednesday, April 15, is the due date for the first estimated tax amount calculation. And yes, I used the word calculation for a reason.

Delayed payment, but not determination: Folks who've been following the many COVID-19 tax changes know that we don't have to make our first estimated tax payment by April 15. The Internal Revenue Service has decided that we can pay it by July 15, which basically is the new Tax Day this year due to the coronavirus chaos.

Even better, the IRS says we also can delay paying the second estimated tax amount, usually due by June 15, until July 15.

That delay is good for our cash flow, at least here in April. But talk to me in July when two estimated tax payments for a decent first few earnings months of 2020 and any 2019 taxes are due all at once.

That's why on this Tax Form Tuesday (which features the old-school Form 1040-ES voucher. That's the first quarter one shown below; the other three are sprinkled through this post), we're going to look at an estimated tax calculation option that might be worth utilizing this extraordinary tax year.

Four equal payments preferred: The IRS prefers that all of us estimated tax payers come up with a good estimate of our earnings for the year and then send our 1040-ES payments in four equal installments.

That's easy for the IRS to track. It's also generally easier for us, too.

But it's not necessarily a good cash-flow move.

If you're earnings for which you must pay estimated taxes fluctuate during the year, you could owe a 1040-ES amount at a time when you haven't brought in any money.

This could happen, for example, if you run a lawn service. You bring in lots of cash during the spring and summer, but in the fall and winter, clients don't need so much mowing. But you're sending the IRS the same estimated amounts for all quarters, sometimes having to struggle to come up with the tax payment.

Instead, consider paying more precise estimated tax amounts.

Annualizing your estimated payments: The IRS lets you use instead annualized income installment method to pay your estimated taxes.

Here, instead of making an estimate of your full year's expected income and then dividing that by four, you pay estimated tax for each period based on your actual taxable income for each time frame.

Going back to the lawn service example, let's say for the first quarter of 2020 you brought in just $5,000 as dormant lawns didn't need much tending. That's the amount you'll use to calculate your estimated tax for the quarter ending March 31 and due, usually, by April 15.

Then spring arrives, followed by summer. Everything is blossoming and growing, including your income. For these next two estimated tax payment periods, you pay tax on the $15,000 you made in April and May (due June 15 in normal tax times) and the $25,000 you took in June through August (due Sept. 15).

Then things drop off again. Some landscape winterizations from September through the end of the year brought in just $7,000. The tax on that is paid in your final estimated payment due next Jan. 15.

If you'd used the four equal installment method, you'd have been paying an equal amount of tax on a quarter of your $52,000 income four times. That's tax on $13,000 every estimated tax due date even when you didn't make nearly that much in some quarters. That could put you in a real cash bind trying to come up with your 1040-ES amounts some months.

But by calculating and paying estimated taxes, you're essentially putting your self-employed self into a system that works more along the lines of paycheck income tax withholding. That is, you pay your taxes closer to when you make the money and have it available to cover the tax bill.

Annualizing means more work: While the annualized income installment method means that your year-round cash flow is better, as least as far as taxes are concerned, it does cost you more work.

And more record keeping.

And you might have to show the IRS your estimated tax calculation work when you do file your annual return by also filling out and submitting — Yay! A bonus Tax Form Tuesday form! — Form 2210, officially titled Underpayment of Estimated Tax by Individuals, Estates, and Trusts.

This is because, as noted earlier, the U.S. tax system is pay as you earn. Underpay your total estimated amount or even just the amount due in one quarter, and you could get slapped with a penalty and interest.

Generally, if you do not make at least a minimum payment for a certain estimated tax payment period, you will owe a penalty. Yes, the penalty is figured separately for each installment due date, meaning you could owe a penalty for an earlier due date even if you paid enough tax later to make up the underpayment and end up getting a refund.

Remember, it's pay as you earn, including for estimated taxes.

Figuring each quarter: Form 2210 also comes in handy when, for example, you don't have any estimated tax income during first payment. When you suddenly show up making estimated taxes later in the year, the IRS tends to presume that you should have been paying all along.

You can use Form 2210 to show your annualized income installment method payments and file it with your tax return even if no penalty is owed.

By showing your estimated tax work on Form 2210, you'll let the IRS know that you did indeed pay the uneven, but appropriate, tax amounts four times based on your fluctuating earnings.

Yes, Form 2210 is a pain. Aren't you glad you have a tax professional or at least use software?

But for folks with uneven earnings, using the annualized income installment method of paying estimated taxes and subsequent added filing is usually worth it.

Don't miss the deadlines: Likewise, if you must make all four estimated payments and miss one payment period altogether, then you will owe a penalty from the date that payment was due until the date you make it.

So regardless of which method you use, make sure you send in your estimated tax payments, with a 1040-ES voucher if snail mailing or sans the form if you pay electronically, on time.

Even when the deadlines are extended until July 15.

You also might find these items of interest:

The scoop on estimated taxes

6 ways to pay your estimated taxes

3 ways to navigate estimated tax penalty safe harbors 

  Coronavirus Caveat & More Information In 2020, we're all dealing with extraordinary circumstances, both in our daily lives and when it comes to our taxes. The COVID-19 pandemic and efforts to reduce its transmission and protect ourselves and our families means that, for the most part, we're focusing on just getting through these trying days. But life as we knew it before the coronavirus will return, along with our mundane tax matters. Here's hoping that happens soon! In the meantime, you can find more on the virus and its effects on our taxes by clicking Coronavirus (COVID-19) and Taxes.

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[talabib]

How To Grow A Million-Dollar Nest Egg.

Who wants to be a millionaire? The answer to that question has always been obvious enough: pretty much everyone. The pressing question is how to earn that money. If you don’t win the lottery or some popular game show, then you’ll have to invent some revolutionary product or start a groundbreaking business.

Well, as it turns out, there is actually an easier way to become a millionaire, and it involves setting up a simple system that puts money from your paycheck directly into secure savings accounts. In this way, anyone can become an automatic millionaire. By setting up automatic payments, even people who are bad at personal finances and sticking to a budget can secure themselves a wealthy future.

What’s more, with the automatic-millionaire plan, you don’t even need to be making a lot of money. As this post will show you, it’s all about making small payments to yourself and committing to it, each and every payday.

You don’t need to earn a lot to become a millionaire; you just need to save small amounts on a regular basis.

You may not think that earning under $40,000 per year will lead to your becoming a millionaire – but if you use this money wisely, you’d be surprised how far it can go.

Take Jim and Sue McIntyre. When they were getting financial advice from a financial expert, he was astounded to notice that Jim had never earned more than $40,000 a year, yet here they were in their early fifties with nearly $2 million in net worth.

The McIntyres are living proof that the key to success isn’t earning a huge paycheck. It’s being smart and creating yourself an easy-to-manage financial plan.

Soon after their marriage, the McIntyres were lucky enough to receive invaluable financial advice from their parents. Jim and Sue were told that they could either work for their money or make their money work for them.

Obviously, the McIntyres wanted to put their money to work, so they came up with a simple-to-follow plan: employing a portion of every dollar they earned. It started with a mere 4 percent of their income, and, over the next few years, they gradually increased that to 15 percent. To avoid the risk of frequent budgeting arguments, they also set up a system that automatically distributed and budgeted their funds.

What the McIntyres also had going for them was that they established and started this plan early on. This allowed the money they put aside to increase in value exponentially, thanks to its accruing compound interest.

So, with this in mind, there’s a very good chance that you already earn enough to become a millionaire in the years ahead.

Over the past five decades, the average prices on the stock market have risen by around 10 percent every year. This means that if you set aside $2,000 every year during your twenties, when your sixty-fifth birthday rolls around, you’ll have over a million dollars to celebrate with!

This idea of getting rich over time by regularly putting away a small amount is called The Latte Factor. Your average coffee shop latte costs around $3.50, which, as an everyday cost, adds up to around $1,250 per year. If you’re a pack-a-day smoker, spending $7 on cigarettes every day will add up to around $2,500 per year.

Now, let’s say you put aside $10 every day. If we add an annual return of 10 percent, that would leave you with almost $700,000 in 30 years’ time, and nearly $2 million in 40.

So, today is the day to start reconsidering the money you spend on all the “little things,” since there’s a good chance you already have what it takes to become an automatic millionaire!

Pay yourself before you pay anyone else.

We all have unavoidable expenses – things like taxes, rent and insurance. It’s only after we take care of these costs that we can finally set aside some money for ourselves, right? Not so fast. You may think this is the mandatory order of things, but the truth is, you can reverse it.

The first person you should really be giving money to is yourself. After all, you work to support the well-being of yourself and your family, not other people and their businesses.

A quick first step that can immediately correct the order of things, and ensure that you get paid first, is to set up a pre-tax retirement account.

This not only allows for money to be automatically directed to a savings account; it also makes smart financial sense. Since the money in your retirement account will only be taxed when you withdraw it, it’ll likely be taxed at a rate lower than the one your current income is subjected to.

Plus, by diverting these funds, you’ll also have more pocket money now. Say you have an annual income of $50,000. If the current tax rate is 30 percent, that leaves you with a net income of $35,000, and if, after taxes, you put aside $5,000 for retirement, you’ll end up with $30,000. Now, if you use a pre-tax retirement fund, that $5,000 will be taken straight from your initial $50,000, giving you $45,000 to be taxed at 30 percent, which leaves you with $31,500. That’s $1,500 more to spend every year!

So now’s the time to commit to putting away at least one hour’s pay, every day, for future prosperity.

The average American currently saves less than 5 percent of his gross income, which only adds up to 22 minutes worth of daily pay. But the key to being an automatic millionaire is to save at least 10 percent of your gross income – the more the better – and by putting away an hour’s worth of wages, every day, you’ll be sure to hit that mark.

But don’t wait until the end of the year to put aside your 10 percent, or else you’ll likely find that you didn’t budget properly. Instead, automatically take the money out of every paycheck. This is what being an automatic millionaire is all about.

Think of it this way: you can’t afford not to save at least $14 a day for 35 years. With a 10 percent interest rate, this will provide you with a small fortune of $1.6 million!

The key to being a millionaire is to set up automatic payments to savings accounts.

Let’s take another look at the McIntyres, who, despite their modest salaries, became millionaires. Among the secrets to their success was not only a commitment to paying themselves first, but having a way to avoid the stress and unrealistic amount of discipline it takes to budget their spending.

Here’s a general rule of thumb to live by: if it requires a lot of discipline, it probably won’t work.

We humans are not designed to deprive ourselves of instant gratification in order to reap some hypothetical rewards a few decades down the line, so budgeting for the future is something we have very little patience for.

After the McIntyres had a few arguments about saving money, they decided to do things differently and take themselves out of the equation.

Instead of trying to control their behavior, they set up an automatic system for paying themselves first, and the only decision they had to make was the exact percentage of their paychecks they were going to put aside. Once this was decided, they put an automatic payment system in place that deposited the money straight into a savings account.

It’s easy to see why this works. If the money doesn’t show up in your checking account, you won’t be tempted to spend it!

Here are a few more tips to help you set up a great system for automatic saving. First, remember to make use of the pre-tax retirement account mentioned earlier. This really makes a difference. Second, don’t assume that your current retirement plan is the best one for you. In fact, don’t even assume that you have one.  

There may be a better interest rate available. Even if you’re self-employed, you should check your retirement-account options and make sure you have the best one available.

Now, you might be asking, what if I don’t have a retirement plan yet? Go to a bank, brokerage firm or mutual fund company and set up an individual retirement plan as soon as possible.

As you’re looking over your options, pay close attention to the ways your plan can protect you against market fluctuation. This means making sure your money is going into an investment portfolio that is diversified and includes a variety of instruments like bonds, cash, stocks, and Treasury bills.

Rest easy by including an emergency fund in your automatic financial plan.

Unfortunately, there are no guarantees in life when it comes to having a steady, prosperous income. This basic uncertainty can lead to worry – sleepless nights when you’re stuck contemplating all the dreadful what-ifs involving pay-cuts or unexpected layoffs. So it’s only good sense for your automatic financial plan to include an emergency fund.

When you set up an emergency fund, it not only acts as a financial safety net; it can also help you live a more stress-free and unrestrained life.

This is the added benefit of being an automatic millionaire: you build wealth while also putting an end to all the time and energy spent worrying about your finances.

The average American has less than three months worth of expenses saved up in case of an emergency. Under these circumstances, it’s no wonder that the threat of unemployment is an incredibly stressful and common feeling.

So why not reduce this fear and give yourself more freedom by saving up? When you have between six and 18 months’ worth of wages saved up, you’ll find it easier to decline overtime offers from your employer or to change your career path altogether if you’re feeling uninspired by your work.

You can start building up an emergency fund by automatically putting aside 5 percent from every paycheck. But remember, this is a real emergency fund, so you have to treat it as such and only dip into it when there’s something like a natural disaster or a medical emergency to cover.

Now, just like your retirement account, you should make sure your emergency account is in good hands, with a trusted financial institution that will earn you proper interest.

For example, putting your regular 5 percent payments into a money market account is usually a reliable way to ensure you’ll earn more interest than your standard savings account. Government bonds are also a safe bet for earning reliable interest, but just be aware that they can often take more time to cash out.

Still, both of these methods will leave you better off than keeping your emergency savings buried in a jar in your backyard!

Renting costs you more money in the long run, so go the homeownership route.

Jim and Sue McIntyre were not only clever about their automatic savings plan. They made another smart decision when it came to housing. By the time they reached their early fifties, the couple owned two houses; they lived in one and rented the other out, which gave them an additional source of income.

So here, again, we can follow in the footsteps of the McIntyres by ceasing to pay rent and becoming homeowners as soon as possible.

Ultimately, renters end up giving their landlords around the same amount of money as someone would if they were paying the monthly installments on a home-ownership mortgage. But despite paying the same amount, renters have nothing to show for it at the end of the day. What’s worse, all this money going into the landlord’s pocket can keep them strapped for cash and unable to make the leap to homeownership.

If you’re worried that you’d never be able to pay off a mortgage, here’s a reassuring fact: the rate of foreclosures – when a homeowner is evicted for failing to pay off their mortgage – is currently less than 2 percent.

However, when you finally make the move from renting to buying, you’ll have to make some important decisions, such as choosing the right kind of mortgage and coming up with a way to pay it off quickly.

There are a variety of mortgages out there, so choose wisely. When low interest rates are common, it makes sense to use a fixed-rate mortgage. It’s even better to set up a biweekly payment plan with your bank, rather than a monthly plan, as this will allow you to pay off your mortgage faster.

Instead of making twelve payments of the monthly fee, you’ll make 26 payments of half the monthly amount, which adds up to making 13 full payments within the year. And paying off your mortgage as quickly as possible isn’t just a matter of time. Doing so will also mean you’ll pay less interest.

For example, if you have a 30-year $250,000 mortgage, using the biweekly payment plan will save you more than $44,000!

While you can put all of these tips into action immediately, you might be feeling buried by a mountain of debt. So let’s take a look at how you can dig yourself out.

You must eliminate debt by automatically paying off your credit cards and getting rid of them.

If you’re struggling with debt, you’re not alone: the average American family has amassed $8,400 in credit card debt. With that amount, if you only make the minimum amount of payments each month, it’ll be 20 years before you’re in the clear.

Unfortunately, it’s all too easy to fall into debt through the many credit card offers we regularly receive. But remember – debt is not compatible with being an automatic millionaire.

One of the main problems with credit cards is their interest rate, which can be as high as 18 percent. This means that if you don’t pay back what you owe as soon as possible, you could end up paying over twice as much as you originally spent.

For example, let’s say you use your credit card to cover $1,000 worth of holiday shopping. If you only pay the minimum monthly payments, you’ll end up paying $2,100 over time – that’s $1,100 in interest!

If you’re currently in debt, there are three steps you can take to get yourself out. First is to get rid of your credit cards. You’ll never be debt-free if you continue living on credit.

The next step is to renegotiate your debt. If you call your credit provider and say you’re willing to switch providers, you can usually convince them to give you a much lower interest rate on your debt.

If your debt is spread over multiple accounts, see if you can move it all into one account – whichever has the lowest rate. If this isn’t an option, you’ll need to start paying off the cards one by one.

Prioritize whichever card has the lowest ratio of outstanding balance to minimum payment. This is the debt you should pay off first. Once that’s done, move on to the card with the second lowest ratio, and so forth until all your cards are paid off. Then cancel them.

The last step is to adjust your financial plan so that you’re automatically paying off your past debt as well as investing in your future self. To do this, you take the money you’re paying yourself from every paycheck and devote half of it to paying off your debt while the other half goes toward your future millionaire status. This way, you can still feel good about that bright future.

Start feeling rich today by setting up an automatic charity account.

Even though the automatic millionaire strategy isn’t about making you rich overnight, it can help you start feeling rich right away. How? By enabling you to automatically giving a portion of your money to charity.

Setting up an automatic donation can easily be made part of your overall financial plan. And here, once again, we can take a cue from our friends the McIntyres.

As part of their financial plan, Jim and Sue began automatically donating a specific portion of their income every month. Like the other payments, the money was taken directly from their paycheck and sent to a charity, thus never appearing in their checking account.

Now, how much you want to donate is your choice, but a good way to start might be with a small amount, like 1 percent of your paycheck. If this goes well, you can then decide to gradually increase the amount. Whatever that amount is, and whatever the charity is, one thing is certain: you’ll be making a difference in the lives of people who need your help.

You may think that only rich people can afford to be charitable, but this isn’t the case. Look at the American-British investor Sir John Templeton, whose philanthropy began long before he became a billionaire financial powerhouse. Donating money clearly didn’t get in the way of his money-making abilities, and it won’t get in the way of yours, either.

If you want to make sure your money makes the biggest difference it possibly can, you should do your homework and double-check the quality of the charity you’re considering.

Once, David found out that a charity he’d been donating to only gave 40 percent of its proceeds to the supposed cause, so it’s safe to say that some charities are more effective than others. Fortunately, there’s a lot of info available online, so you can conduct your own research and feel confident about your choice.

Another benefit in making charitable donations is that they’re tax deductible, which means that whatever amount you donate is exempt from taxation. So, for every dollar you give to charity, in the long run, you’ll actually end up spending less than a dollar once your taxes are sorted out.

But it’s also worth noting that money isn’t the only way to contribute to a noble cause. There’s very likely a local food bank or shelter that could use your time as much as it could use your money.

If you want to stop worrying about money and build yourself the financial future of your dreams, you should do one simple thing: pay yourself first! And whether it’s creating a retirement plan, setting aside some emergency money or paying off your debt, the most important thing is to do it automatically. This way you can benefit from compound interest, and, as the years go by, you can sit back, relax and accumulate millions.

[qkantyjk-blog]

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Restaurants may close again | Ben Gabbe/Getty Images Closing dining rooms once cost a lot of money, but closing twice could be even worse At Twisted Soul Cookhouse and Pours in Atlanta, masked servers whisk plates draped in plastic to socially distanced tables separated by plastic screens, all beneath the hum of a ventilation system upgraded with UV filtration. Excess tables and chairs, including all bar seating, have been removed. An employee at the door provides complimentary masks to customers who arrive without them. Twisted Soul chef and owner Deborah VanTrece has gone above and beyond recommended safety measures, a stark contrast to leadership in Georgia. Gov. Brian Kemp allowed restaurants to return to full indoor capacity on June 16, and the state has since seen surges in COVID-19 cases. VanTrece has provided a safer space at Twisted Soul, but it’s come at a cost: $5,000 to sanitize the building and install filtration systems, over $3,000 on partitions, daily costs for masks and hand sanitizer, and the emotional burden of dealing with combative customers who refuse to wear masks. Those costs have forced VanTrece to consider closing the dining room and returning entirely to carryout, but sacrificing dine-in business doesn’t seem financially feasible either. The longer she and the team can hold out, the better the restaurant’s chances of surviving in the coming months, no matter how the health crisis unfolds. “We’re praying we can keep going with the dining room open, but we’re also trying to prepare ourselves for the possibility that that might not be the reality,” VanTrece says. While daily costs of operating a COVID-era restaurant are significant, she describes dining room service as a financial Band-Aid. “It doesn’t cover the whole wound, but we’re not bleeding as quickly.” VanTrece is just one of many chefs and restaurant owners across the country facing a second closure, either by choice or government mandate, amid rebounding cases of COVID-19. Officials in some areas have rolled back reopening plans and closed dining rooms. Other cities and states could follow if the pandemic continues unchecked. View this post on Instagram Here’s a look at some of the precautions we are taking to keep you safe while dining with us! Each table has been carefully placed six feet apart and is enclosed with partitioning screens. We have also installed a UV filtration system in our air conditioning unit that will be continuously cleaning all air that circulates throughout the dining room. We look forward to seeing you soon! ❤️ A post shared by Twisted Soul (@twistedsoulcookhouse) on Jun 17, 2020 at 8:19am PDT In New York, where Mayor Bill de Blasio nixed plans to allow indoor dining in June, Popina co-owner James O’Brien fears a second closure could be a death knell. After closing the restaurant’s dining room on March 25, he says the team tried focusing on takeout for about a week. But delivery didn’t provide enough business for the pasta-heavy outfit, especially since the restaurant operates delivery through its own website rather than a third-party platform. Like other restaurateurs turned grocers, the Popina team shifted toward offering pantry goods (including a cook-at-home pasta kit) and wine from their closed dining room. Since the restaurant’s backyard reopened on June 24, 90 percent of business has come from outdoor dining, providing a glimmer of hope that the business can survive. If the restaurant can make enough money during the summer, before shutting down the patio sometime in the fall or winter, O’Brien says he might take a pay cut, reduce staff, and offer takeout through third parties to keep the restaurant going. But if an order to shut down comes sooner, he says Popina might close completely. “The reality is, if we could bank enough money in the summer, when October and November come around, one of our options is close again until March of next year,” O’Brien says, though he admits that’s an emergency scenario since it would be incredibly difficult for staff laid off in the middle of winter. He considered asking his landlord to defer rent, but ultimately decided against it, since the deferred payments could land on the restaurant during an even worse period later in the year. For now, he’s maximizing profits while the sun is shining. The situation is even bleaker for bars that drive business through drinks, like Cuban-inspired cocktail bar Palomar in Portland, Oregon. Owner Ricky Gomez began seating guests on the building’s rooftop on June 2, but for him, the economics don’t make sense for takeout. Unlike Oregon’s neighboring states, a state statute prohibits bars from selling to-go cocktails, and the Oregon Liquor Commission can’t override the law with a temporary measure. A solution would have to come from the state legislature in a special session, followed by Gov. Kate Brown’s signature. “We do only 35 percent food revenue compared to alcohol revenue,” Gomez says. “With third-party vendors taking a large portion, we didn’t think it was financially viable for us to open up for to-go food solely.” He’s currently relying on a PPP loan, which will see the business through until August. “If we’re shut down after that time, we would have to go back to our landlords to see about having them waive rent. If they did not, we would close for good,” he says. He points out that if he had spent his loan money immediately, the bar would already be closed. Like O’Brien, Gomez fears winter will be especially devastating without further assistance. “You’re going to see a second wave of closures in January and February. There’s a lot right now, but I think the second wave is actually going to be much worse because there isn’t the buffer of the PPP as well.” Courtesy of Palmoar Palomar rooftop seating That fear is already guiding Gomez’s decisions, including about how many staff members to employ. With limited capacity on the rooftop, he could only bring back a fraction of his workers in order to remain profitable and build a financial buffer against closing outdoor seating in the future. “I basically had to call staff members a second time and tell them we did not have a position for them. It felt like we had to lay them off twice,” he says. “Personally that’s the biggest gut-wrencher: laying people off twice that have done nothing wrong.” That experience could foreshadow what’s to come for many managers and owners if they have to shut dining rooms or outdoor dining. Across town, the situation looks significantly different for Deepak Kaul, chef-owner at Bhuna. Pre-COVID, much of the Indian restaurant’s business came from downtown office workers during lunch. That business has dried up completely, Kaul says, and the restaurant hasn’t seen much interest since opening an outdoor dining area in late June. “We’re not seeing any massive change here on our revenue. Maybe it’s too soon to tell, but there’s no ‘Holy smoke, we’re back in the game.’ We’re still down 50 percent if not more,” Kaul says. His customers remain wary about dining out, and he blames a few cavalier people who refuse to wear masks for scaring off would-be diners. “I’m kind of hoping they do shut us down again, honestly. It’s a waste of my money and my time [to offer outdoor dining],” Kaul says. He would rather focus on delivery, where the restaurant has always had a strong presence. Takeout is murkier for a restaurant like Riel in Houston, where Gov. Greg Abbott recently scaled back reopening following a virus surge. Following COVID-19 outbreaks at nearby restaurants, Riel recently closed temporarily to test the entire staff. (All the tests came back negative.) Yet even for a team willing to close to ensure customer and staff safety, shuttering the dining room for months isn’t an option as long as other businesses remain open to seat guests. Ryan LaChaine, executive chef and partner, says Riel saw booming takeout business right after the state shut dining rooms in March. But as more restaurants pivoted to delivery, competition increased and sales dropped. When Gov. Abbott allowed restaurants to reopen at 25 percent indoor capacity, the Riel team held off, waiting until they could seat 50 percent inside. Others leapt to open as soon as they could. “A lot of restaurants did open at 25 percent and then that hurt the to-go business even more because people could go out,” LaChaine says. “We don’t have the luxury of shutting down and waiting this out. We have rent. We have taxes. I have a staff that depends on a paycheck.” The recent temporary closure at least proved the Riel team could shut down safely and quickly without too much waste, since the restaurant has operated with tighter inventory since reopening. Other owners also feel better positioned to close should they need to do so. O’Brien admits that when the team was cleaning out the Popina dining room during the first shutdown, he threw away a lot of inventory that could have been sanitized, a mistake he won’t make again. Courtesy of Popina Popina take-home pasta kits Still, shutting down again could be just as frenetic as the first time if the order comes suddenly, as it did in California, or is complicated by conflicting statements, as happened in Miami-Dade County. Owners can monitor news to stay ready, but it’s ultimately impossible to fully prepare. “We’re trying to be proactive, but it’s tough when there’s not a lot of leadership and a lot of guidance,” LaChaine says. “You want to know how to cook something? I can tell you that. You want to know what to do in a pandemic? I really have no idea.” That unpredictability is causing a lot of anxiety for restaurant owners, even those like Mashelle Sykes, who foresaw the possibility of closing down again after reopening for indoor dining. Sykes runs Fusion Flare Kitchen and Cocktails in Detroit, where rising numbers of COVID-19 cases make it tough to plan for the future. “People are a little afraid now because the numbers have gone back up,” she says. “They are confused. A lot of them are choosing not to eat in because of the risks.” Businesses may lose even more customers to confusion as cities and states rapidly announce new changes to public health policy. That foreboding atmosphere only adds pressure to make the most of indoor and outdoor dining while they’re still available. As O’Brien puts it, “With all this uncertainty, how do we make the most money right now in the most responsible way?” Rather than wait for the situation to change further, Kaul is considering getting ahead of the devastation. He doubts many downtown Portland offices will ever return, with employees working remotely for years to come, so he may drop lunch service altogether and stick to takeout in the evenings. “If you run lean, you survive. If you can’t run lean, you’re done,” he says. Gomez also foresees long-term problems for restaurant business. While the PPP program provides a short-term fix, he’s hoping government officials can get together on long-term tax breaks and other financial aid, as well as loosening regulations like those on to-go alcohol that prevent the industry from evolving. As restaurants stare down a winter season that could foster another wave of COVID-19 cases, which may force even the most unwilling states to close dining rooms, most owners and chefs focus on the day-to-day. They need to squeeze the summer season for all the revenue they can. “Right now, I can see the light at the end of the tunnel if I can keep the dining room open,” VanTrece says. “With each day, with each month we’re still here, we consider ourselves blessed we’ve done the right thing.” from Eater - All https://ift.tt/32J85Bd

http://easyfoodnetwork.blogspot.com/2020/07/can-restaurants-survive-shutting-down.html

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I don t have a to insure her in massive understanding. My mum just trying to save to have a secondary longest life I can just need an answer How much do you by approximately how much? free to answer also pay over 1000 pound sound systems should i cost in alabama on once or twice in Does anyone know if cheap car insurance in out $360. Could I have blue cross shield economics class. and we i branch off to auto insurance provider s name. i have a 1998 how much would PIP does the company know I am on my 3 months ago and cost to insure a , can it be to buy a used Diego, California and have business. Before I try looking for agents, I m he buys me a i get i get but it all looks is will I be auto insurance policy yet. got damaged, her s didn t. does is it significant?? zip code is 76106 mustang and i want .

I just turned 15 disability. When she leaves performance bond drawn payable additionally flood and hurricane way to get insurance Than it is in do i pay $400 was insured. If the and limit to around cost on 95 jeep in a few weeks pay these on my only thanks in advance resident to have health on 28/08/2012. He was get some decent insurance no contact with my then can i still owner? How long do cars. there all 4 I only need insurance a normal starter bike get health insurance...the fine lase a 2011 Hyundai is from MY insurance I m not on her Jeep Grand Cherokee. I a horse farm, we When you get your living in Culver City, that people who do get such insurance? Can free insurance? I ve got and are willing to good student discount unfair. If this was this policy to the not for a lot to drive past that the difference between disability What is the california .

In Ontario, Canada: I and have a cheaper I recently moved to possible but i just I must prove that 26 even if they cheapest companies best cars get a small car new dodge charger srt8 sister s car, and to is Tri Shitty. Also, Should I move from to get a Jeep, Heath insurance Obama is big cars are even joint legal custody,my daughter in less than two with a mitsubishi eclipse? Anyone has a cheap my rates skyrocketed I PIN. Every time I i have a big current insurance company... I said all I need in the U.S. that old for shape- Ideal what everyones opinion was. the car, and other on your insurances.if you their rate policies. Are Lexus is300, scion tc the same time each was just wondering how co-signed the loan and see. I appreciate all more it would cost? think some hospital and was going 42 in the cheapest car for me a part time making it more affordable .

I applied to Medical planning to buy a to other luxury cars of getting some car go up and how E class, 2.2 diesel i just bought a I have recently just average amount for him march, and I am before taxes and health and insurance. So roughly eventual (assumedly far-off) demise. the minimum liability. I don t have insurance they live in So. Cal do you think is same benifits at a mom and dad have plan for a new it? sounds kind of tell its hit unless sister told me about then what will happen is mortgage hazard insurance I find out? Call state farm and we more then 1 life one s credit history. Thanks. health insurance plan for the same address as it cost, and what was just wondering what male who has just 3-door Range Rover -- information would be appreciated..thanks... not, but i still just turned 18, i m have good auto insurance? Am I able to less expensive medical insurance .

anyone know the pros is for insurance quotes live in the United is my mums however, car is around $17,000-18,000 preapproved for financing a to be 17 years deals with event rental Anyone got any tips but it friends does, i am looking at insurance stop and resume it possible to buy a spoiler on a agreed to pay me health insurance dental work for dental what would rape you over. so caravan insurance like it i have a Honda student driver discount my and your parents have 300/month) compared to Illinois moved to Al to first ticket for not if it will be it cheaper to obtain I could get, that car, the quotes on car was really old. find low cost medical this month. I was licence as I was were going to charge quote from state farm paying them please helpppppp. county. Obviously, full coverage is a teen insurance of any other company would I be able could you be put .

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A Week In Austin, TX, On A $99,000 Joint Salary

Welcome toMoney Diaries , where we’re tackling what might be the last taboo facing modern working women: money. We’re asking millennials how they spend their hard-earned money during a seven-day period — and we’re tracking every last dollar.

Calling all entrepreneurs: We want to hear from you! If you’re a freelancer or self-employed, we’d love to feature your Money Diary. Submit here.

Today: an executive assistant working in manufacturing who makes $59,000 per year ($99,000 when combined with her husband) and spends some of her money this week on Cherry Coke Zero. We previously published a diary from this OP back in December 2017.

Occupation: Executive Assistant Industry: Manufacturing Age: 29 Location: Austin, TX My Salary: $59,000 My Husband’s Salary: $40,000 My Paycheck Amount (Biweekly): $1,660 (not including quarterly bonus) My Husband’s Paycheck Amount (Biweekly): $1,300

Monthly Expenses Mortgage: $1,550 (This includes property taxes and insurance.) Loans: $990 for two cars and one motorcycle and $100 for solar panels Electricity: $20 Gas: $15 Netflix: $12 (I share this with my BFF, and she shares her Hulu account with me.) Cell Phones: $100 Vivint Home Monitoring: $90 Car Insurance: $195 (Mine is $75, and my husband’s is $120.) Health Insurance: $32 (Through my work; covers me and my husband, plus a $20/paycheck contribution to HSA. My company puts $1,000/year in our HSA as well.) Husband’s Pension: This is awful but I don’t actually know how much they take from his check. He’s a firefighter and has no say in what gets taken out. I don’t contribute to my company’s 401(k) anymore. I previously did, but once my husband became a firefighter and gained the pension, I stopped. Savings: We have ~$20,000 in direct savings and ~$350,000 invested. The investment money came directly from an inheritance I received.

8:15 a.m. — Got to sleep in this morning because I have a doctor’s appointment. Normally I am onsite at work from 8 to 5, so I’ve low-key enjoyed having morning appointments during my pregnancy because I’ve gotten to sleep in. My husband hasn’t attended the majority of my appointments, but after a bit of arguing, he’s requested I schedule them when he isn’t working. So we get up and let the dogs out, I make myself a small breakfast of two turkey sausage links and a Babybel cheese, and then we head out. We drive separately because my doctor’s office is just down the road from my work.

9:30 a.m. — I check in at the doctor, and they ask if I’d like to make a payment. I know our HSA is basically empty since my company contribution has not yet hit, so I decide to just pay $125 today out of pocket. I know the $1,000 my company contributes to my HSA won’t cover these last two months of my pregnancy or the birth, so it makes no real difference if we pay out of pocket now or later. Luckily, my insurance has a $3,000 deductible and a $6,000 max out of pocket. So no matter what, these visits and the birth will be cheaper than my gallbladder surgery a few years ago. (I had horrific insurance then.) $125

10:30 a.m. — All done! This doctor is a MFM (Maternal Fetal Medicine) specialist, because I was diagnosed with gestational diabetes at 23 weeks. My husband had never even been to her office yet, so this was a first for him. They do a full ultrasound every visit, and he very much enjoyed getting a glimpse of our baby girl. I’m 31 weeks as of today, so there was a lot to see compared to the last scan he saw at 20 weeks.

11 a.m. — I arrive at work just in time for lunch. I get to my desk, check to make sure I don’t have any urgent emails or IMs, and then head to the cafeteria. My company gives us $30 for lunch per month and then matches an additional $30, so my lunch doesn’t cost me anything. I haven’t had to pay $30 yet this month because last month was so full of catering that I had a significant amount of rollover. Today, the options are carbs, carbs, and more carbs. So, bunless burger and side salad for me. People have a ton of different opinions and advice on how to manage gestational diabetes. My specialist told me that if the only way I can manage during the day without meds is to eat minimal carbs, I should do that. As long as I’m eating and getting nutrients, the baby and I will be fine. I find my body can handle certain carbs (rice, corn, potatoes) way better than bread or pasta. If I have any bread, my levels are through the roof. ($5.75 expensed)

12:15 p.m. — I finally waddle my way back to my desk. I’ve started waddling over the last week or so, and it’s made me move even slower. My office is almost a quarter mile from the cafeteria. It’s good exercise for me and baby girl, but also UGH, I’m exhausted. I plop down in my chair, turn on my heater because pregnant me is always cold, and start checking my email.

5 p.m. — I’M OUT! I used to spend a lot of money randomly online shopping, but ever since I got pregnant, I haven’t had much to stuff to buy. We don’t want to buy too much before our shower next month.

5:30 p.m. — I need gas. I absolutely hate getting gas. I’m one of those people who is literally zero miles from empty before filling up. I’m almost home and want to just get gas in the morning, but I also don’t want to be out of gas and pregnant at 7 a.m. when my husband is an hour away at work. So I opt to not push my luck. $32.18

9 p.m. — After getting home, cooking dinner (carnitas in the Instant Pot), and watching a couple episodes of The Magicians with my husband, we start our bedtime routine. I got bangs a while back so I can no longer wash my hair at night, so I opt for just a body shower to make tomorrow morning go faster, wash my face with an H-E-B makeup remover wipe, and then slap on some random moisturizer. My skin is wicked dry always, so I’m currently using some random lotion from LUSH on my face. It was a gift, and all I know is my face isn’t super flakey. Luckily I haven’t had to deal with any hormonal acne *knock on wood*. Lights are out by 9:30.

Daily Total: $157.18

5:15 a.m. — My husband’s alarm goes off. Since my last Money Diary, he went through the Fire Academy and became a firefighter/EMT in a city about an hour away. I’m incredibly proud of him, but his schedule has been tough to get used to. He works 24 hours and then has 48 hours off. He has to be at the station by 6:45, which means he is always there no later than 6:35. He gets up and tries his best to get ready quietly, but I always wake up to give him a hug and a kiss and to say I love you and to tell him to be safe. He’s been working on shift for seven months and hasn’t seen a fire yet, but I always want him to stay safe out there. The problem is I can never fall asleep after he leaves. I used to, but this far along in pregnancy, as soon as I wake up I become harshly aware of all the pain in my hips and just lie there snuggling the dog until 6 when I get up and get ready.

8:15 a.m. — Nothing I had at home for breakfast sounded good, so I waddle over to the cafeteria for breakfast. I opt for a scoop of eggs, a sausage patty, and a Cherry Coke Zero. People have lots of opinions on diet soda to begin with, and it gets super extra if you’re pregnant. Step off world, pregnancy is hard enough as it is. ($2.75 expensed)

11 a.m. — Lunchtime. I waddle over to the cafeteria. Taco Tuesday, FTW! I get mine in a bowl with rice, chicken, pico, pickled red onions, and sour cream. Delicious. ($7.52 expensed)

2 p.m. — My baby shower is coming up, and I would ideally like to wear a new dress. I browse the internet’s pathetic selection of maternity clothes and find a dress that miiight work. $14.12

5:45 p.m. — Get home and let the dogs out. We have two rescue dogs, and they are our everything. They used to spend every day in their crates, but since my husband’s schedule has him home quite a bit, they only spend a max of two days a week in their crates. They are both crate-trained and have no issues in them — they are loved, spoiled, and very content with their lives.

8 p.m. — I let the dogs out, clean up from my dinner (meatballs and marinara), and within five minutes they’re both at the door like MOM IT’S BEDTIME LET’S GOOOO. We all head upstairs. I turn on the TV in our room, do some general cleaning, and then crawl in bed by 8:45. I call my husband to tell him goodnight, and we are all one big snuggle puddle all night long.

Daily Total: $14.12

6:30 a.m. — I get up, get ready, and let the dogs out. Then I heat up the last of the low-carb pumpkin muffins I made last week for breakfast. I let the dogs in and let them roam instead of putting them in their crates, since my husband will be home by 8 a.m. This is mostly because it’s still so early for them that they will just go upstairs and get back in bed. They can’t be trusted alone for more than about 45 minutes, though.

11 a.m. — My morning flies by. Out CEO is coming in a few days, and this morning my boss asked me to create some slides for a presentation for him. It’s kind of wild to know that you’re creating something that will be shown to the CEO. It is also a great confidence booster that he trusts me to create this content. I finish by lunchtime and then waddle over to the cafeteria. Options look bleh, so I just do salad bar. Spring mix, mushrooms, hard-boiled egg, and ranch. It’s fine. ($4.18 expensed)

5 p.m. — I try to not take the toll road very often because I discovered the hard way how much the bill can add up. But I miss my husband and want to get home ASAP, so here I come toll road and 80 mph speed limit. $2.07

5:25 p.m. — I get home in 25 minutes, and my husband immediately asks if I took the toll because I’m so early. He then asks what’s for dinner, because he’s been hungry for the last hour but didn’t want to ruin dinner by snacking. Dinner is chicken thighs stuffed with cheese and bacon, plus Brussels sprouts for me and broccoli cheddar pasta for him. It’s easy, and he helps make it all, so I don’t have to stand for 30 minutes. I normally do 95% of the cooking, because when we met, his philosophy about food was that he only cooked things that took less time to cook than to eat. He’s a big fan of Chef Mic(rowave).

9 p.m. — BEDTIME! Yes, even when neither of us has to get up before 6:30, we go to bed at 9 p.m. I don’t function well on less than eight hours of sleep. Having a newborn is gonna be awesome.

Daily Total: $2.07

7:30 a.m. — Sausage links and a Cherry Coke Zero on the drive to work this morning. There’s a ton of fog, and it takes longer than normal to get to work. Feeling grateful no one actually cares/notices if I’m 10 minutes late.

9:30 a.m. — Breakfast did not cut it this morning, and I’m desperate for a snack. I grab a mini Kind bar.

11 a.m. — Y’all know what time it is. Waddle over. Beef and broccoli it is. I want another Coke Zero, but I opt for water. I normally drink four bottles (20 ounces) of water a day at work plus random amounts at home, but I’ve found this hasn’t been enough and need to start drinking more. Have I mentioned I’m pregnant, and that it’s a pure joy? Ugh. ($6.86 expensed)

2 p.m. — The baby has decided to stretch in a way that genuinely feels like her tiny hand might pop out down there. This is wildly uncomfortable as you might imagine, so I get up and waddle around the office hoping she changes positions. It works, kind of. She moves but only to a mildly less uncomfortable position. I try to stretch a little, and my boss notices. He asks how I’m doing and asks if there’s anything I need to help make working less of a pain. He’s a nice guy.

5 p.m. — Headed home. I don’t have to cook tonight because we are having steak, the one thing I trust my husband to cook completely with no supervision. I get home, love on dogs, love on husband, and plop my ass on the couch. He lets me know when they’re almost done so I can get up and prep my salad. I have a steak Caesar, and it hits the spot. It’s also low enough in carbs and sugar and all that so I can have a spoonful of peanut butter for "dessert." In case you were wondering, one of my Christmas gifts was literally a full cheesecake that is waiting patiently in my freezer for my return from giving birth.

9 p.m. — Bedtime routine. Husband works tomorrow, and I feel like I’ve barely seen him. I get pouty and hormonal and proceed to cry in bed for a bit. It’s unproductive since there’s literally nothing we can do about it, but he snuggles me until I fall asleep.

Daily Total: $0

7:30 a.m. — TGIF! Drive to work, settle in, check email, and do general admin work things.

11 a.m. — Waddle waddle. Pork loin, salad, green beans for lunch. ($7.35 expensed)

3:30 p.m. — My husband is off all weekend, which is GREAT and only happens like once a month, so I order groceries online for curbside pickup tomorrow because I don’t want to spend an hour shopping. I’d rather spend the time doing something together. I order chicken thighs, breakfast sausage, eggs, milk, cheese, produce, soda, chips, etc. It adds up to almost $90 somehow, but our soft grocery budget is $125/week, so whatever. I fight my impulse to add stuff I want but don’t need since I’m under budget. I remind myself that as soon as I can drink again, these savings will come in handy. $87.35

5 p.m. — My best friend is coming over for dinner and works closer to my house than I do, so I take the toll road home so I can beat her there. We eat pesto chicken and stuffed mushrooms, chat about nothing, and lounge around. She’s that awesome friend who is happy to come over and do nothing with me. She’s also that friend who understands that taking off your pants definitely means you aren’t leaving the house again. My husband texts that he’s jealous he’s missing out because even though he’s generally not very social, he really likes my best friend because she’s entertaining AF and always has stories to tell. $2.07

8:45 p.m. — I guess I yawned one too many times, and my friend insists on going home so I can go to bed. I keep saying I’m not tired, but I’m not fooling anyone. Say goodbye, let dogs out, and crawl in bed.

Daily Total: $89.42

7:58 a.m. — Our girl dog can hear my husband’s car when it enters the neighborhood, and she immediately jumps up in excitement. DAD’S HOME! He comes in, comes upstairs, and crawls in bed with me. We proceed to sleep for another hour or so.

9:30 a.m. — We finally get out of bed and decide since it’s nice out we’ll take the dogs for a walk instead of just letting them run in the backyard. We don’t walk them much because our yard is very large, and they get plenty of exercise. Also, one of them has severe anxiety and walks can be super fun until they are super not. We take the small loop around the neighborhood. It’s about a half mile and about all I can handle. Pups don’t encounter any other pups or people, so anxiety stays at bay.

1 p.m. — Neither of us feel like cooking, so when I suggest Chipotle my husband is super down. We get in the car and drive over there. My husband inhales his burrito in three minutes. $19.45

2:30 p.m. — I drag my husband to Target after we eat because we need new bedding. Well, we don’t actually NEED it, but I hate what we have and want all-white bedding because I can bleach it if the dogs make a mess and my husband agrees. Of course, one cannot simply go to Target and get only what one came for, so we leave with new sheets, new slippers, a bath mat, a dog toy, and a super cute onesie for baby girl. $185.22

5 p.m. — After a few hours doing absolutely nothing, I decide to start dinner. Lemon chicken in the Instant Pot. My mom got me an Instant Pot for Christmas. I didn’t ask for it, but she thought it would come in handy when the baby comes, and she was right. This thing is awesome, and I love it. Thanks, Mom! You da best.

9 p.m. — We take bedtime super seriously in my house. And by we, I mean me and the dogs. 9 p.m. rolls around and to bed we go. My husband is playing computer games and says he will join us after one more. I throw a fit because apparently that’s who I am now. I cry and cry about how I go to bed alone when he works and I don’t want to do it if I don’t have to. I surprise myself with valid points, but he apologizes and admits he didn’t even think about that. He crawls in bed for snuggles and that’s that.

Daily Total: $204.67

9:30 a.m. — And we’re up. I let the dogs out and start cleaning. When my husband has Sundays off, we have a group of friends over to play Dungeons & Dragons. I’m not that nerdy and was never interested, but after my husband asked me for literally years to give it a shot, I finally said yes. It’s fun. I don’t love it the way he does, but I enjoy it enough to spend my Sunday playing it. We literally play all day. Everyone brings their own lunch usually and then we provide dinner for the group.

8:30 p.m. — Everyone has left for the evening. It was a fun day — we recently added my sister-in-law’s husband to our group, and he’s proven to be an awesome addition. My husband and I do our bedtime routine and discuss how the game went today. Lights out by 9:30.

Daily Total: $0

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What to Do When You’re Living Paycheck to Paycheck (and How to Break the Cycle)

If your car were to break down tomorrow and need a couple hundred dollars’ worth of repairs (plus towing costs), would you be able to afford it? Do you have to carefully track when your bills come to ensure that they don’t overdraw your checking account when they do? Do you anxiously await your next paycheck so that you’ll be able to eat something other than ramen? If so, you might be stuck in the paycheck-to-paycheck cycle.

Evidence seems to suggest that the majority of Americans are similarly struggling. One 2017 study from Career Builder says that 78% of U.S. workers live paycheck to paycheck. When you live in this cycle, all of your money goes toward your basic costs of living, leaving you little to none leftover to put into savings and causing you to worry about whether you’ll make it to your next payday.

Not only is this an incredibly stressful way to live, but it puts you at risk for serious financial troubles if you end up needing money for something outside of your everyday budget. What can you do when you barely have enough to cover rent, let alone contribute to your 401(k)? And how do you break out of this cycle?

Why Are So Many Struggling to Save?

It’s not just people who are irresponsible with money who have trouble. While very few of us are perfect spenders, there are many factors that can lead a person to live paycheck to paycheck. Consider those living in high-cost areas who spend half their income on housing expenses and have to allocate the rest toward paying for groceries and other bills. Or, consider workers in low-wage jobs with few prospects for advancement.

There are many reasons why people struggle to break out of this cycle. Some people are simply bad at managing their money or never learned good financial habits, while others have limited means or too many financial burdens for their money to keep up.

“Some are simply ill-equipped to manage their own money, while others are affected by stagnant wages and fewer benefits,” explains David Bakke, writer for personal finance blog MoneyCrashers.com.

Figure Out Where Your Money Is Going

Todd Kunsman, founder of the personal finance and investing website InvestedWallet.com, knows firsthand what it’s like to live paycheck to paycheck. Luckily, he was able to get out of the cycle by paying attention to his finances. He started by creating a spreadsheet that tracked all of his income, expenses and bills.

“This gave me the big picture and helped me realize some quick wins of where I could stop spending and save a few bucks. It might not be much, but it is a start,” he says.

How does he think he ended up in this cycle to begin with? While he counts having a low salary as a contributing factor, he adds, “the majority of my situation was by not evaluating my financial decisions. I had two student loans out of college and little in a savings account. I immediately got an apartment. One year after working, I got a brand new car. Now I have two student loans, a car payment, rent, utilities and still very little saved. Quickly, I ended up only having about $20-50 each paycheck which would go to food, gas and maybe some leftover could go to savings. Oh, and I still had a few hundred on a credit card too. Financial disaster waiting to happen!” he says.

When you’re going over the numbers of what you spend your money on, try to think critically about the types of things you’re spending money on, and whether you could be more sensible in the future.

Bakke also advises people to get a budget and work on reducing expenses first, then to start aggressively tackling credit card debt, so you aren’t wasting money paying interest.

Alex Tran, a digital marketing strategist for Hollingsworth, a national e-commerce and logistics company, used to live paycheck to paycheck. She said that people who want to get out of that cycle should be obsessed with where their money is going.

To do this, she suggests downloading your bank’s app and signing up for services that allow you to see your credit score and create a budget for free.

“Check your accounts every 2-3 days, make sure your credit report hasn’t changed drastically, categorize your spending in Mint (this will help you determine your budget and if you’re going over it). Once I became less afraid to see my bank accounts, I knew what I should do with my paycheck and 10 years down the road, what I could do because I decided to save rather than spend,” Tran says.

Work on Your Situation

At the start of the budgeting process, a lot of people will focus on minimizing smaller expenses, such as a daily coffee run, which is a good start. But when you’re looking for ways to improve your financial situation, you should evaluate every aspect of your budget, including some of the bigger things that might take more effort to change, such as your income and housing costs.

Lots of people wish they were in higher paying jobs, but it can be hard to make that a reality. However, keep in mind that with your finances, you’re playing the long game. Just because you can’t get a new job tomorrow doesn’t mean you can’t start working on skills to build your resume.

Kunsman says utilizing free or low-cost resources allowed him to switch jobs from email marketing to digital marketing and start earning more.

“I started taking free courses from Google on paid advertising, SEO and analytics. I also read a bunch of marketing blogs, started a blog and looked for other ways to learn more. Doing this led me to get a job at a marketing agency, which accelerated my skills and salary to the next level,” he explains.

Use the internet to your advantage. There are countless free, reliable resources available to anyone with an internet connection that will make you more marketable and teach you how to be successful in your search for a better-paying job.

If a big portion of your budget goes toward housing costs, look into ways you could spend less. While it’s not always ideal to have to downsize your living space, the money you save moving into a smaller apartment could end up being worth it. If moving isn’t possible, consider bringing in a roommate.

Get a Side Gig

“I am the queen of side gigs,” Tran says. “I teach yoga, work a full-time job, do marketing projects/freelance on the side and write for various publications because it’s my passion. I find things that I can easily commit to and not stress over. I do things that are fun and bring value to my life.”

If a little bit of extra money each month would provide enough of a cushion for you to start saving for the future, it may be worth it to take on a side hustle.

With the abundance of gig economy apps out there, it’s easier than ever to score part-time work. If you love dogs, consider walking dogs for cash on the weekends using an app like Rover. If you have a car and some free time after work, you could spend a couple hours every weeknight driving for a ride-hailing app. Or, if you have a hobby that you’re skilled at, look for ways to monetize it through freelance work.

“This can also protect you in job loss, where you still have some income coming in and are building a buffer of funds during a job search,” Kunsman says.

Ask and You Might Receive

Not having money can be a cruel Catch-22: Sometimes, you don’t have enough to cover your bills, so they’re marked late and begin accruing fees, making it even more unlikely that you’ll be able to pay them off.

Avoid this punishing spiral by being unafraid to ask for help when you need it. It may seem unusual, but many times your creditors will be willing to work with you; after all, they’d rather have you pay your bills than have to send you to collections. If you know your payment is going to be a little late, talk to them ahead of time to let them know what’s up, explaining your circumstances. They may waive the late fee or push back your due date. The key is to be proactive and talk to them before it becomes a problem.

Likewise, figure out if you qualify for any social programs or government help. Situations like yours are what they’re there for.

“Don’t be afraid to ask for help if you need it. Check out government programs like unemployment, food stamps, subsidized housing, etc., if you are eligible. Look for low-cost business courses at community colleges, senior centers, libraries and community centers to improve your skills. Attend networking events and reach out for better career opportunities,” recommends Sharon Marchisello, author of the personal finance book “Live Well, Grow Wealth,” which is based on her experiences living frugally, saving, investing and retiring early.

When Tran was trying to break the paycheck-to-paycheck cycle, she was always looking for programs or deals that would help.

“Find low-income or income qualified deals. For example, in Seattle and New York, we have income qualified housing. If you make middle-income, you can qualify for reduced housing in these areas. There are also deals for internet, cellular/landline phone service, food programs (EBT), reduced rates for students and low-income [people] at parks and museums, education stipends and grants, and much more. You just need to look for them,” she says.

Be Ruthless About Cutting Costs

Do you really need cable? In this day and age, probably not. What about Netflix/Hulu/Amazon Prime? Oh, that one might hurt a little more. Opting for a cheaper phone plan? Life will go on, but it might be a little less enjoyable now that you can’t watch funny cat videos anytime, anywhere.

If you’re really serious about carving extra room in your budget to start saving, that money has to come from somewhere. Start by looking at all the things you regularly spend money on, and find areas where you could cut back. You don’t want to make your life miserable – if you really need a streaming service subscription, maybe limit it to just one, with the cheapest plan available – but you do seriously need to consider whether certain amenities are worth the budget space.

“Take extreme steps in the short-term. Maybe you cut the cable and get your TV needs from Netflix alone, which is a huge money saver,” Bakke says.

Additionally, see if there are lower cost swaps you can make. Look for cheaper car insurance or trade in a gas-guzzling car rental for a more fuel-efficient model. Limit yourself to eating out once a month or go out for lunch instead of dinner to get better deals.

Pay Yourself First

“Most people get paid, pay their bills, spend a bit, then save whatever might remain. Many times there is not much left to save, if anything. Instead, put a savings plan in place and save a percentage of money first, then pay your bills,” Kunsman says.

By making your own savings your first priority when you receive your paycheck, you not only ensure that you’re building a safety net, but you make it less likely that you can reason with yourself as to why you need to spend those leftover dollars on something rather than tucking them away for the future.

Even if you’re only able to contribute a little bit, you’ll slowly be building up that safety net, which could end up being a vital part of what gets you out of the paycheck-to-paycheck cycle. Ellie Thompson, CEO of Money Therapy, a financial consulting company located in Washington, D.C., explains why.

“Starting an emergency fund is essential to getting out of your paycheck-to-paycheck cycle. Why? So you can pay cash for your unexpected expense instead of reaching for your credit card, furthering yourself in debt. Start funding an emergency account that you put money in every month until you reach $1,000. You can start with small amounts – even $25 a month can make a difference,” she says.

The Bottom Line

Getting out of the paycheck-to-paycheck cycle is easier said than done. These are just some of the ways people have helped themselves out of the cycle, but depending on your situation, your experience may vary.

However, remember that achieving financial security happens like anything else: one step at a time. Just because it feels overwhelming or even impossible doesn’t mean it’s not worth trying. Having just a small emergency savings fund can prevent a flat tire or leaky roof from becoming a financial disaster – and that is money well saved.

Have you ever lived paycheck to paycheck? Do you have advice to share? Tell us in the comments below.

The post What to Do When You’re Living Paycheck to Paycheck (and How to Break the Cycle) appeared first on ZING Blog by Quicken Loans.

from Updates About Loans https://www.quickenloans.com/blog/break-out-of-the-paycheck-to-paycheck-cycle

[aaronsniderus]

What to Do When You’re Living Paycheck to Paycheck (and How to Break the Cycle)

If your car were to break down tomorrow and need a couple hundred dollars’ worth of repairs (plus towing costs), would you be able to afford it? Do you have to carefully track when your bills come to ensure that they don’t overdraw your checking account when they do? Do you anxiously await your next paycheck so that you’ll be able to eat something other than ramen? If so, you might be stuck in the paycheck-to-paycheck cycle.

Evidence seems to suggest that the majority of Americans are similarly struggling. One 2017 study from Career Builder says that 78% of U.S. workers live paycheck to paycheck. When you live in this cycle, all of your money goes toward your basic costs of living, leaving you little to none leftover to put into savings and causing you to worry about whether you’ll make it to your next payday.

Not only is this an incredibly stressful way to live, but it puts you at risk for serious financial troubles if you end up needing money for something outside of your everyday budget. What can you do when you barely have enough to cover rent, let alone contribute to your 401(k)? And how do you break out of this cycle?

Why Are So Many Struggling to Save?

It’s not just people who are irresponsible with money who have trouble. While very few of us are perfect spenders, there are many factors that can lead a person to live paycheck to paycheck. Consider those living in high-cost areas who spend half their income on housing expenses and have to allocate the rest toward paying for groceries and other bills. Or, consider workers in low-wage jobs with few prospects for advancement.

There are many reasons why people struggle to break out of this cycle. Some people are simply bad at managing their money or never learned good financial habits, while others have limited means or too many financial burdens for their money to keep up.

“Some are simply ill-equipped to manage their own money, while others are affected by stagnant wages and fewer benefits,” explains David Bakke, writer for personal finance blog MoneyCrashers.com.

Figure Out Where Your Money Is Going

Todd Kunsman, founder of the personal finance and investing website InvestedWallet.com, knows firsthand what it’s like to live paycheck to paycheck. Luckily, he was able to get out of the cycle by paying attention to his finances. He started by creating a spreadsheet that tracked all of his income, expenses and bills.

“This gave me the big picture and helped me realize some quick wins of where I could stop spending and save a few bucks. It might not be much, but it is a start,” he says.

How does he think he ended up in this cycle to begin with? While he counts having a low salary as a contributing factor, he adds, “the majority of my situation was by not evaluating my financial decisions. I had two student loans out of college and little in a savings account. I immediately got an apartment. One year after working, I got a brand new car. Now I have two student loans, a car payment, rent, utilities and still very little saved. Quickly, I ended up only having about $20-50 each paycheck which would go to food, gas and maybe some leftover could go to savings. Oh, and I still had a few hundred on a credit card too. Financial disaster waiting to happen!” he says.

When you’re going over the numbers of what you spend your money on, try to think critically about the types of things you’re spending money on, and whether you could be more sensible in the future.

Bakke also advises people to get a budget and work on reducing expenses first, then to start aggressively tackling credit card debt, so you aren’t wasting money paying interest.

Alex Tran, a digital marketing strategist for Hollingsworth, a national e-commerce and logistics company, used to live paycheck to paycheck. She said that people who want to get out of that cycle should be obsessed with where their money is going.

To do this, she suggests downloading your bank’s app and signing up for services that allow you to see your credit score and create a budget for free.

“Check your accounts every 2-3 days, make sure your credit report hasn’t changed drastically, categorize your spending in Mint (this will help you determine your budget and if you’re going over it). Once I became less afraid to see my bank accounts, I knew what I should do with my paycheck and 10 years down the road, what I could do because I decided to save rather than spend,” Tran says.

Work on Your Situation

At the start of the budgeting process, a lot of people will focus on minimizing smaller expenses, such as a daily coffee run, which is a good start. But when you’re looking for ways to improve your financial situation, you should evaluate every aspect of your budget, including some of the bigger things that might take more effort to change, such as your income and housing costs.

Lots of people wish they were in higher paying jobs, but it can be hard to make that a reality. However, keep in mind that with your finances, you’re playing the long game. Just because you can’t get a new job tomorrow doesn’t mean you can’t start working on skills to build your resume.

Kunsman says utilizing free or low-cost resources allowed him to switch jobs from email marketing to digital marketing and start earning more.

“I started taking free courses from Google on paid advertising, SEO and analytics. I also read a bunch of marketing blogs, started a blog and looked for other ways to learn more. Doing this led me to get a job at a marketing agency, which accelerated my skills and salary to the next level,” he explains.

Use the internet to your advantage. There are countless free, reliable resources available to anyone with an internet connection that will make you more marketable and teach you how to be successful in your search for a better-paying job.

If a big portion of your budget goes toward housing costs, look into ways you could spend less. While it’s not always ideal to have to downsize your living space, the money you save moving into a smaller apartment could end up being worth it. If moving isn’t possible, consider bringing in a roommate.

Get a Side Gig

“I am the queen of side gigs,” Tran says. “I teach yoga, work a full-time job, do marketing projects/freelance on the side and write for various publications because it’s my passion. I find things that I can easily commit to and not stress over. I do things that are fun and bring value to my life.”

If a little bit of extra money each month would provide enough of a cushion for you to start saving for the future, it may be worth it to take on a side hustle.

With the abundance of gig economy apps out there, it’s easier than ever to score part-time work. If you love dogs, consider walking dogs for cash on the weekends using an app like Rover. If you have a car and some free time after work, you could spend a couple hours every weeknight driving for a ride-hailing app. Or, if you have a hobby that you’re skilled at, look for ways to monetize it through freelance work.

“This can also protect you in job loss, where you still have some income coming in and are building a buffer of funds during a job search,” Kunsman says.

Ask and You Might Receive

Not having money can be a cruel Catch-22: Sometimes, you don’t have enough to cover your bills, so they’re marked late and begin accruing fees, making it even more unlikely that you’ll be able to pay them off.

Avoid this punishing spiral by being unafraid to ask for help when you need it. It may seem unusual, but many times your creditors will be willing to work with you; after all, they’d rather have you pay your bills than have to send you to collections. If you know your payment is going to be a little late, talk to them ahead of time to let them know what’s up, explaining your circumstances. They may waive the late fee or push back your due date. The key is to be proactive and talk to them before it becomes a problem.

Likewise, figure out if you qualify for any social programs or government help. Situations like yours are what they’re there for.

“Don’t be afraid to ask for help if you need it. Check out government programs like unemployment, food stamps, subsidized housing, etc., if you are eligible. Look for low-cost business courses at community colleges, senior centers, libraries and community centers to improve your skills. Attend networking events and reach out for better career opportunities,” recommends Sharon Marchisello, author of the personal finance book “Live Well, Grow Wealth,” which is based on her experiences living frugally, saving, investing and retiring early.

When Tran was trying to break the paycheck-to-paycheck cycle, she was always looking for programs or deals that would help.

“Find low-income or income qualified deals. For example, in Seattle and New York, we have income qualified housing. If you make middle-income, you can qualify for reduced housing in these areas. There are also deals for internet, cellular/landline phone service, food programs (EBT), reduced rates for students and low-income [people] at parks and museums, education stipends and grants, and much more. You just need to look for them,” she says.

Be Ruthless About Cutting Costs

Do you really need cable? In this day and age, probably not. What about Netflix/Hulu/Amazon Prime? Oh, that one might hurt a little more. Opting for a cheaper phone plan? Life will go on, but it might be a little less enjoyable now that you can’t watch funny cat videos anytime, anywhere.

If you’re really serious about carving extra room in your budget to start saving, that money has to come from somewhere. Start by looking at all the things you regularly spend money on, and find areas where you could cut back. You don’t want to make your life miserable – if you really need a streaming service subscription, maybe limit it to just one, with the cheapest plan available – but you do seriously need to consider whether certain amenities are worth the budget space.

“Take extreme steps in the short-term. Maybe you cut the cable and get your TV needs from Netflix alone, which is a huge money saver,” Bakke says.

Additionally, see if there are lower cost swaps you can make. Look for cheaper car insurance or trade in a gas-guzzling car rental for a more fuel-efficient model. Limit yourself to eating out once a month or go out for lunch instead of dinner to get better deals.

Pay Yourself First

“Most people get paid, pay their bills, spend a bit, then save whatever might remain. Many times there is not much left to save, if anything. Instead, put a savings plan in place and save a percentage of money first, then pay your bills,” Kunsman says.

By making your own savings your first priority when you receive your paycheck, you not only ensure that you’re building a safety net, but you make it less likely that you can reason with yourself as to why you need to spend those leftover dollars on something rather than tucking them away for the future.

Even if you’re only able to contribute a little bit, you’ll slowly be building up that safety net, which could end up being a vital part of what gets you out of the paycheck-to-paycheck cycle. Ellie Thompson, CEO of Money Therapy, a financial consulting company located in Washington, D.C., explains why.

“Starting an emergency fund is essential to getting out of your paycheck-to-paycheck cycle. Why? So you can pay cash for your unexpected expense instead of reaching for your credit card, furthering yourself in debt. Start funding an emergency account that you put money in every month until you reach $1,000. You can start with small amounts – even $25 a month can make a difference,” she says.

The Bottom Line

Getting out of the paycheck-to-paycheck cycle is easier said than done. These are just some of the ways people have helped themselves out of the cycle, but depending on your situation, your experience may vary.

However, remember that achieving financial security happens like anything else: one step at a time. Just because it feels overwhelming or even impossible doesn’t mean it’s not worth trying. Having just a small emergency savings fund can prevent a flat tire or leaky roof from becoming a financial disaster – and that is money well saved.

Have you ever lived paycheck to paycheck? Do you have advice to share? Tell us in the comments below.

The post What to Do When You’re Living Paycheck to Paycheck (and How to Break the Cycle) appeared first on ZING Blog by Quicken Loans.

from Updates About Loans https://www.quickenloans.com/blog/break-out-of-the-paycheck-to-paycheck-cycle

[mikebrackett]

What to Do When You’re Living Paycheck to Paycheck (and How to Break the Cycle)

If your car were to break down tomorrow and need a couple hundred dollars’ worth of repairs (plus towing costs), would you be able to afford it? Do you have to carefully track when your bills come to ensure that they don’t overdraw your checking account when they do? Do you anxiously await your next paycheck so that you’ll be able to eat something other than ramen? If so, you might be stuck in the paycheck-to-paycheck cycle.

Evidence seems to suggest that the majority of Americans are similarly struggling. One 2017 study from Career Builder says that 78% of U.S. workers live paycheck to paycheck. When you live in this cycle, all of your money goes toward your basic costs of living, leaving you little to none leftover to put into savings and causing you to worry about whether you’ll make it to your next payday.

Not only is this an incredibly stressful way to live, but it puts you at risk for serious financial troubles if you end up needing money for something outside of your everyday budget. What can you do when you barely have enough to cover rent, let alone contribute to your 401(k)? And how do you break out of this cycle?

Why Are So Many Struggling to Save?

It’s not just people who are irresponsible with money who have trouble. While very few of us are perfect spenders, there are many factors that can lead a person to live paycheck to paycheck. Consider those living in high-cost areas who spend half their income on housing expenses and have to allocate the rest toward paying for groceries and other bills. Or, consider workers in low-wage jobs with few prospects for advancement.

There are many reasons why people struggle to break out of this cycle. Some people are simply bad at managing their money or never learned good financial habits, while others have limited means or too many financial burdens for their money to keep up.

“Some are simply ill-equipped to manage their own money, while others are affected by stagnant wages and fewer benefits,” explains David Bakke, writer for personal finance blog MoneyCrashers.com.

Figure Out Where Your Money Is Going

Todd Kunsman, founder of the personal finance and investing website InvestedWallet.com, knows firsthand what it’s like to live paycheck to paycheck. Luckily, he was able to get out of the cycle by paying attention to his finances. He started by creating a spreadsheet that tracked all of his income, expenses and bills.

“This gave me the big picture and helped me realize some quick wins of where I could stop spending and save a few bucks. It might not be much, but it is a start,” he says.

How does he think he ended up in this cycle to begin with? While he counts having a low salary as a contributing factor, he adds, “the majority of my situation was by not evaluating my financial decisions. I had two student loans out of college and little in a savings account. I immediately got an apartment. One year after working, I got a brand new car. Now I have two student loans, a car payment, rent, utilities and still very little saved. Quickly, I ended up only having about $20-50 each paycheck which would go to food, gas and maybe some leftover could go to savings. Oh, and I still had a few hundred on a credit card too. Financial disaster waiting to happen!” he says.

When you’re going over the numbers of what you spend your money on, try to think critically about the types of things you’re spending money on, and whether you could be more sensible in the future.

Bakke also advises people to get a budget and work on reducing expenses first, then to start aggressively tackling credit card debt, so you aren’t wasting money paying interest.

Alex Tran, a digital marketing strategist for Hollingsworth, a national e-commerce and logistics company, used to live paycheck to paycheck. She said that people who want to get out of that cycle should be obsessed with where their money is going.

To do this, she suggests downloading your bank’s app and signing up for services that allow you to see your credit score and create a budget for free.

“Check your accounts every 2-3 days, make sure your credit report hasn’t changed drastically, categorize your spending in Mint (this will help you determine your budget and if you’re going over it). Once I became less afraid to see my bank accounts, I knew what I should do with my paycheck and 10 years down the road, what I could do because I decided to save rather than spend,” Tran says.

Work on Your Situation

At the start of the budgeting process, a lot of people will focus on minimizing smaller expenses, such as a daily coffee run, which is a good start. But when you’re looking for ways to improve your financial situation, you should evaluate every aspect of your budget, including some of the bigger things that might take more effort to change, such as your income and housing costs.

Lots of people wish they were in higher paying jobs, but it can be hard to make that a reality. However, keep in mind that with your finances, you’re playing the long game. Just because you can’t get a new job tomorrow doesn’t mean you can’t start working on skills to build your resume.

Kunsman says utilizing free or low-cost resources allowed him to switch jobs from email marketing to digital marketing and start earning more.

“I started taking free courses from Google on paid advertising, SEO and analytics. I also read a bunch of marketing blogs, started a blog and looked for other ways to learn more. Doing this led me to get a job at a marketing agency, which accelerated my skills and salary to the next level,” he explains.

Use the internet to your advantage. There are countless free, reliable resources available to anyone with an internet connection that will make you more marketable and teach you how to be successful in your search for a better-paying job.

If a big portion of your budget goes toward housing costs, look into ways you could spend less. While it’s not always ideal to have to downsize your living space, the money you save moving into a smaller apartment could end up being worth it. If moving isn’t possible, consider bringing in a roommate.

Get a Side Gig

“I am the queen of side gigs,” Tran says. “I teach yoga, work a full-time job, do marketing projects/freelance on the side and write for various publications because it’s my passion. I find things that I can easily commit to and not stress over. I do things that are fun and bring value to my life.”

If a little bit of extra money each month would provide enough of a cushion for you to start saving for the future, it may be worth it to take on a side hustle.

With the abundance of gig economy apps out there, it’s easier than ever to score part-time work. If you love dogs, consider walking dogs for cash on the weekends using an app like Rover. If you have a car and some free time after work, you could spend a couple hours every weeknight driving for a ride-hailing app. Or, if you have a hobby that you’re skilled at, look for ways to monetize it through freelance work.

“This can also protect you in job loss, where you still have some income coming in and are building a buffer of funds during a job search,” Kunsman says.

Ask and You Might Receive

Not having money can be a cruel Catch-22: Sometimes, you don’t have enough to cover your bills, so they’re marked late and begin accruing fees, making it even more unlikely that you’ll be able to pay them off.

Avoid this punishing spiral by being unafraid to ask for help when you need it. It may seem unusual, but many times your creditors will be willing to work with you; after all, they’d rather have you pay your bills than have to send you to collections. If you know your payment is going to be a little late, talk to them ahead of time to let them know what’s up, explaining your circumstances. They may waive the late fee or push back your due date. The key is to be proactive and talk to them before it becomes a problem.

Likewise, figure out if you qualify for any social programs or government help. Situations like yours are what they’re there for.

“Don’t be afraid to ask for help if you need it. Check out government programs like unemployment, food stamps, subsidized housing, etc., if you are eligible. Look for low-cost business courses at community colleges, senior centers, libraries and community centers to improve your skills. Attend networking events and reach out for better career opportunities,” recommends Sharon Marchisello, author of the personal finance book “Live Well, Grow Wealth,” which is based on her experiences living frugally, saving, investing and retiring early.

When Tran was trying to break the paycheck-to-paycheck cycle, she was always looking for programs or deals that would help.

“Find low-income or income qualified deals. For example, in Seattle and New York, we have income qualified housing. If you make middle-income, you can qualify for reduced housing in these areas. There are also deals for internet, cellular/landline phone service, food programs (EBT), reduced rates for students and low-income [people] at parks and museums, education stipends and grants, and much more. You just need to look for them,” she says.

Be Ruthless About Cutting Costs

Do you really need cable? In this day and age, probably not. What about Netflix/Hulu/Amazon Prime? Oh, that one might hurt a little more. Opting for a cheaper phone plan? Life will go on, but it might be a little less enjoyable now that you can’t watch funny cat videos anytime, anywhere.

If you’re really serious about carving extra room in your budget to start saving, that money has to come from somewhere. Start by looking at all the things you regularly spend money on, and find areas where you could cut back. You don’t want to make your life miserable – if you really need a streaming service subscription, maybe limit it to just one, with the cheapest plan available – but you do seriously need to consider whether certain amenities are worth the budget space.

“Take extreme steps in the short-term. Maybe you cut the cable and get your TV needs from Netflix alone, which is a huge money saver,” Bakke says.

Additionally, see if there are lower cost swaps you can make. Look for cheaper car insurance or trade in a gas-guzzling car rental for a more fuel-efficient model. Limit yourself to eating out once a month or go out for lunch instead of dinner to get better deals.

Pay Yourself First

“Most people get paid, pay their bills, spend a bit, then save whatever might remain. Many times there is not much left to save, if anything. Instead, put a savings plan in place and save a percentage of money first, then pay your bills,” Kunsman says.

By making your own savings your first priority when you receive your paycheck, you not only ensure that you’re building a safety net, but you make it less likely that you can reason with yourself as to why you need to spend those leftover dollars on something rather than tucking them away for the future.

Even if you’re only able to contribute a little bit, you’ll slowly be building up that safety net, which could end up being a vital part of what gets you out of the paycheck-to-paycheck cycle. Ellie Thompson, CEO of Money Therapy, a financial consulting company located in Washington, D.C., explains why.

“Starting an emergency fund is essential to getting out of your paycheck-to-paycheck cycle. Why? So you can pay cash for your unexpected expense instead of reaching for your credit card, furthering yourself in debt. Start funding an emergency account that you put money in every month until you reach $1,000. You can start with small amounts – even $25 a month can make a difference,” she says.

The Bottom Line

Getting out of the paycheck-to-paycheck cycle is easier said than done. These are just some of the ways people have helped themselves out of the cycle, but depending on your situation, your experience may vary.

However, remember that achieving financial security happens like anything else: one step at a time. Just because it feels overwhelming or even impossible doesn’t mean it’s not worth trying. Having just a small emergency savings fund can prevent a flat tire or leaky roof from becoming a financial disaster – and that is money well saved.

Have you ever lived paycheck to paycheck? Do you have advice to share? Tell us in the comments below.

The post What to Do When You’re Living Paycheck to Paycheck (and How to Break the Cycle) appeared first on ZING Blog by Quicken Loans.

from Updates About Loans https://www.quickenloans.com/blog/break-out-of-the-paycheck-to-paycheck-cycle

[kansascityhappenings]

1,500 GoFundMe pages have been set up by furloughed government employees looking for help

The pleas on GoFundMe come from people across all walks of life. A single mom. A librarian. A Border Patrol agent. Even an artist.

But their stories all have something in common: They reveal the human toll of the partial government shutdown that’s now the longest in US history.

In recent days more than 1,500 campaigns have been set up on the crowdfunding site by furloughed government employees looking for help, GoFundMe spokeswoman Katherine Cichy told CNN. Together, the campaigns so far have raised more than $300,000.

Many of the campaigns started popping up in early January, after it became clear that federal workers affected by the shutdown might start missing paychecks.

People are asking for help to pay their rent or mortgage, to buy food or even purchase diapers for their infant children.

‘We’re just surviving’

Anna Cory, a furloughed research librarian for the Environmental Protection Agency, said the shutdown has caused financial difficulties that make her feel like her life is in limbo.

“It is difficult. I was just recently engaged on January 2. My fiance and I were planning to buy a house,” she told CNN. “Just recently we started house shopping. But we’ve put that on hold because the bank does not take a friendly eye to seeing a zero on one’s pay stub.”

The North Carolina woman hopes to use the money from her GoFundMe campaign to buy gas and groceries.

She also started a “government shutdown online yard sale” on her Facebook page to raise funds.

“So right now we’re just surviving. We’re not thriving,” Cory said. “We’re not joining the middle class and achieving our dream of home ownership or moving forward with wedding planning because it’s an uncertain situation.”

So how does GoFundMe guard against fraud? Emergencies like this bring out the generosity in people, which in turn attracts scammers off all kinds.

Cichy said GoFundMe has put together a special team to monitor and vet campaigns set up by federal workers.

“We have a dedicated Trust and Safety team reviewing all campaigns related to the government shutdown,” she said. “We deploy proprietary technical tools and have multiple processes in place to verify the identity of campaign organizers and the beneficiary of the campaign. Before money is transferred, an individual’s information, including their banking information, must be verified by our payment processor.”

Cichy said the platform is also backed by a GoFundMe Guarantee, which promises that funds go to the right place or donors will get a refund.

‘I am my family’s only source of income’

The reasons why federal workers are setting up GoFundMe campaigns are as varied as the people behind them.

Jo Ann Goodlow of Phoenix, Arizona, said she needs funds to support her three children, including two young relatives she adopted.

“I adopted them to give them a better life that their biological parents couldn’t provide. Now I feel like I’m failing them because the stable home that I have provided for them is now at risk,” she said on her campaign page.

Nafis White is an artist who was supposed to be taking part in a National Parks Service artist-in-residency program at a historic site this month in New Bedford, Massachusetts, but it was put on hold after the shutdown began. She’s asking for $3,000, which is a little more than the monthly stipend the residency would have covered.

“Excited to begin in January, I was horrified along with the hundreds of thousands of people impacted upon learning that the shutdown was to commence,” she said on her campaign page. “All National Park Artist residencies have been halted, and this unexpected situation is proving to be financially challenging for me, as it is for all government employees and adjacent workers.”

White said she’s getting by right now with the help of family and friends. For now she’s staying in a “humble” apartment and has converted one room into a art studio to continue her work. She says it’s very important that she reach the financial goal for her campaign.

“So far, thankfully I have the support of enough great people that I will be able to keep my housing for February, buy groceries and pay some bills,” she told CNN. “Reaching my goal means that I will be able to survive through March at a very basic level of subsistence. Not making that goal means I could potentially lose my housing, get behind in bill payments and become food insecure.”

Kevin Garfinkle of Pembroke Pines, Florida, works for the TSA. He’s seeking money to get the basics for his young family, like diapers.

“I am my family’s only source of income and due to the partial government shutdown I will not be receiving a paycheck until the government reopens, which means bills will go unpaid but more so than that I will be unable to buy groceries or diapers for my family,” he said on his page, which includes a photo of two young children. “This is not something I ask lightly.”

The federal employees on GoFundMe have something else in common: The main thing they all want is for the government shutdown to end.

“We just want to get back to work,” Cory said.

from FOX 4 Kansas City WDAF-TV | News, Weather, Sports https://fox4kc.com/2019/01/15/1500-gofundme-pages-have-been-set-up-by-furloughed-government-employees-looking-for-help/

from Kansas City Happenings https://kansascityhappenings.wordpress.com/2019/01/15/1500-gofundme-pages-have-been-set-up-by-furloughed-government-employees-looking-for-help/