7 Best Christmas Budget Tips To Not Stretch Yours

7 Best Tips To Not Stretch Your Christmas Budget - Carreira Finance Coaching

Christmas can be stressful emotionally and financially. First, you need to find gift ideas for your friends and family. Then, you need to find the money to pay for those gifts. And finally, you need to achieve all that without stretching your Christmas budget.

According to Gallup, Americans are expecting to spend an average of $942 on Christmas gifts this year. As a result, they will most likely take on credit card debt to pay for those gifts.

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Black Friday vs Cyber Monday | The Top 5 Differences

The Top 5 Differences Between Black Friday vs Cyber Monday - Carreira Finance

The best shopping days of the year, Black Friday vs Cyber Monday. If you are looking for massive sales and great deals, don’t look any further. Black Friday always comes a day after Thanksgiving, and Cyber Monday three days after Black Friday.

Retailers are making more money on Cyber Monday than on Black Friday. In 2018, Cyber Monday generated $7.9 billion in online sales compared to $6.2 billion for Black Friday.

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The Eye-Opener Emergency Fund Savings Guide

Your Quick Emergency Fund Guide Financial Coaching Carreira Finance

What Is An Emergency Fund?

An emergency fund is money that you put aside to cover unexpected expenses. It is one of the best financial safety nets someone can have. However, you need to be careful where you keep your emergency fund savings.

You don’t want to act irrationally when those events arise. And you’ll need to access your emergency cash reserve as soon as an unexpected expense comes your way. That is why you need to have a plan.

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5 Low Risk Investment Options You Can Open Today

5 Low-Risk Investments You Can Open Today Financial Coach Carreira Finance

Low risk investments are a great way to start investing your money. They are one of the best investments to grow your emergency fund money. In this article, we go through the 5 low risk investment options you can start using today!

Low risk investments protect your money against partial or total loss. In other words, you won’t lose any of your principal or the interests paid. However, the interest rates offered in those accounts can still vary over time. Low risk investments are a great way to fight inflation and reduce the stress of high risk fluctuations.

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19 Easy Ways To Save Money For Young Adults

19 Best Ways To Save Your Money Right Now Financial Coach Carreira Finance

We all know that saving money is something we should do regularly. However, there are times in our life when things get tough, and paying our monthly expenses can become challenging. That’s why learning how to save money is so crucial for our finances and our wellbeing.

According to CareerBuilder, the majority of Americans are living paycheck to paycheck.

I tried to find the perfect recipe for anyone to save money, but at the end of the day, there is no universal strategy because it depends on our comfort zone and our habits. However, I found several ways on how to save money without impacting my daily life. I grouped them in 5 categories: financial tools, monthly expenses, extra earnings, time, and bank services.

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