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  "sourcesContent": ["import{jsx as e,jsxs as t}from\"react/jsx-runtime\";import{addPropertyControls as a,ControlType as o,Link as n}from\"framer\";import*as r from\"react\";let i=\"SXm7LB22U\",s=\"U1TsE9YEA\",c=\"AZYxV0O0X\",l=\"jyDbrIjI5\",h=\"NpfGF0_Tp\",d=\"hfWX0Ksrd\",u=\"kJAUIgj5h\",m=\"kVJNoYDr_\",g=\"SdQ1D58dY\",p=\"xqmAYASLi\",f=\"PwzdTywwG\",y=\"LN5yLjdQu\",w=\"GFmOjAvSc\",b=\"K6xRlXgXw\",v=\"v8ByVLb7X\",k=\"hEK2bQHZo\",I=\"FJFdf7b5S\",x=\"fTjB9zCHi\",T=\"Y6t79bAU2\",A=\"BcjcaNCFt\",S=\"xa44TDrPf\",j=(e,t)=>{if(e&&\"object\"==typeof e)return{...e,alt:t};},E=[{id:\"hoWturXQx\",[i]:\"How To Save Money Fast On a Low Income: Making Ends Meet\",[s]:\"how-to-save-money-fast-on-a-low-income\",[c]:\"January 26, 2024\",[l]:\"Editor's Picks\",[h]:j({src:\"https://framerusercontent.com/images/D7dsJmV47gI5rBpMZ7EHUA8V0.jpg\",srcSet:\"https://framerusercontent.com/images/D7dsJmV47gI5rBpMZ7EHUA8V0.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/D7dsJmV47gI5rBpMZ7EHUA8V0.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/D7dsJmV47gI5rBpMZ7EHUA8V0.jpg 1280w\"},\"how to save money fast on a low income\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Saving money can seem like a challenge, yet alone doing it on a low income. That might seem impossible. When your monthly bills keep piling up, it can be easy to feel overwhelmed and start to worry about how you will manage to cover all your expenses and have money left over to save.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"According to \",/*#__PURE__*/e(n,{href:\"https://www.gobankingrates.com/banking/banks/how-much-money-do-americans-have-in-their-bank-accounts-in-2024\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"GOBankingRate\u2019s survey\"})}),\" of 1,000 people across the US, 38% of adults have less than $100 in their checking accounts and 36% have less than $100 in their savings. This might seem a bit troublesome, but it\u2019s not to scare you.\"]}),/*#__PURE__*/e(\"p\",{children:\"With a few simple lifestyle changes, you can easily put away a few extra dollars each month. In this blog post, we\u2019ll share 15 ways on how to save money fast on a low income.\"}),/*#__PURE__*/e(\"h2\",{children:\"1. Create a Budget\"}),/*#__PURE__*/t(\"p\",{children:[\"Setting a budget is a game-changer when it comes to saving money, no matter how much you make. A \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/personal-budgets-what-they-are-and-why-you-need-one\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"personal budget\"})}),\" will allow you to keep track of where every hard earned penny is going. It happens too often that we spend money carelessly and don\u2019t realize exactly how much we spend.\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[\"There are a few budget strategies you could use. The \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/70-20-10-budget-rule-what-it-is\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"70-20-10 budget rule\"})}),\" is one solution where 70% of your income post-tax goes towards all your essentials. Twenty percent goes towards savings and investments, while the last 10% is for extra debt payment or donations.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"Another budget method is to list all of your expenses and categorize them into necessary and unnecessary things. Rent, groceries, gas, car payments are just a few categories that should be included in a budget.\"}),/*#__PURE__*/t(\"p\",{children:[\"Whether you write it down in a notebook or use a budgeting app, budgets are sure to help you save money fast and \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/steps-to-improve-your-finances-this-year\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"improve your finances\"})}),\". An app like Hiatus allows you to create custom budgets based on your spending habits, which will help you avoid those \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/the-most-common-budgeting-mistakes-to-avoid\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"common budgeting mistakes\"})}),\" we all fall victim to.\"]}),/*#__PURE__*/e(\"img\",{alt:\"create a budget\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,pIZq9uFRDi2Uf1w5vnMSWNK40.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/pIZq9uFRDi2Uf1w5vnMSWNK40.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"}),/*#__PURE__*/e(\"h2\",{children:\"2. Open a Savings Account\"}),/*#__PURE__*/t(\"p\",{children:[\"Whether it\u2019s a \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/what-a-high-yield-savings-accounts-is-and-how-it-works\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"high-yield savings account\"})}),\" or one of its \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/alternatives-to-high-yield-savings-accounts-their-benefits\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"alternatives\"})}),\", putting money into some type of savings account can help you save money fast even with a limited income. You won\u2019t be tempted to spend the money since it won\u2019t be in plain sight in your house.\\xa0Money in a savings account will earn interest and grow overtime.\"]}),/*#__PURE__*/e(\"p\",{children:\"A traditional savings account averages around a 0.42% APY (annual percentage yield), while a high-yield savings account can earn 5%-7%. Money in a savings account is protected by the government and it\u2019ll always be accessible in the event of an emergency.\"})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"3. Save Money on Bills and Utilities\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"i-need-money-now-quick-ways-to-get-money-fast\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"Bdixgy1mK\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"If you need money now\"})}),\", reducing your monthly bills will help you save money. Take a look at your utility bills and see if you can make any changes to reduce your costs. For example, you might be able to switch to a cheaper phone or internet plan. \",/*#__PURE__*/e(n,{href:\"https://hiatus.app/?utm_source=hiatus_blog&utm_medium=organic&utm_campaign=how_to_save_money_fast_on_a_low_income\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Hiatus will display all of your monthly bills in its dashboard\"})}),\" and will negotiate them on your behalf to get you better rates.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"Think about taking shorter and colder showers to help you save on your water bill and lower the thermostat in your house. If you enjoy going to the gym, why not shower there right after your workout instead of showering at home? Every little bit helps, and even small reductions can add up to big savings over time.\\xa0\"}),/*#__PURE__*/e(\"img\",{alt:\"save money on bills and utilities\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,e9dYFXNiuQuRDAidJyRuIFzZio.jpg\",\"data-framer-height\":\"4447\",\"data-framer-width\":\"6670\",height:\"2223\",src:\"https://framerusercontent.com/images/e9dYFXNiuQuRDAidJyRuIFzZio.jpg?scale-down-to=4096\",style:{aspectRatio:\"6670 / 4447\"},width:\"3335\"}),/*#__PURE__*/e(\"h2\",{children:\"4. Cancel Unwanted Monthly Subscriptions\"}),/*#__PURE__*/t(\"p\",{children:[\"With a clearer view of your budget and knowing where your money is going, you should start to eliminate any unnecessary expenses. A great way to do so is to \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/must-dos-for-managing-your-budget\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"get rid of those unwanted monthly subscriptions\"})}),\". Subscribing to numerous streaming services might seem like a good idea to watch all your favorite shows but your bank account will say otherwise. Instead, choose your preferred streaming service and cancel the rest. The Hiatus app can help with this and \",/*#__PURE__*/e(n,{href:\"https://hiatus.app/?utm_source=hiatus_blog&utm_medium=organic&utm_campaign=how_to_save_money_fast_on_a_low_income\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"cancel those subscriptions effortlessly\"})}),\". With just a few taps, you\u2019ll begin to put money back into your pockets.\\xa0\"]})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"5. Pay Off Outstanding Debts\"}),/*#__PURE__*/t(\"p\",{children:[\"Whether it\u2019s \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/ways-to-prepare-for-student-loan-payments\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"student loans\"})}),\", your mortgage, or just \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-pay-off-10-000-credit-card-debt\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"credit card debt\"})}),\", being able to clear up your outstanding debt will help in the long term. Yes, it\u2019s not \u201Csaving\u201D if you\u2019re spending more money, but the interest you pay on debt adds up over time. Pro tip: pay off your debt with the highest interest rates first and then work your way down to lower interest debts.\"]}),/*#__PURE__*/e(\"h2\",{children:\"6. Always Look For Deals\"}),/*#__PURE__*/e(\"p\",{children:\"There are many ways to take advantage of discounts when living on a tight budget, including using coupons. Look for coupons online or in-store, and use them when purchasing things you need. Additionally, take advantage of sales to save money on clothing, household goods, and electronics. Check out different stores to compare prices and get the best deals. However, make sure the items you're buying are essential, and not just impulse buys. Consider joining local groups that offer discounted rates on services such as food, entertainment, and transportation.\\xa0\"}),/*#__PURE__*/e(\"img\",{alt:\"looking for deals yoga\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,t54xz1QnBgp6LZ1glZKpxz2JLQ.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/t54xz1QnBgp6LZ1glZKpxz2JLQ.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"}),/*#__PURE__*/e(\"h2\",{children:\"7. Change Your Financial Institution\"}),/*#__PURE__*/e(\"p\",{children:\"Nowadays, everything is about getting your attention for your service. The same goes for financial institutions. A majority of them will even incentivize you to switch from your bank to theirs. These places might juice up the perks for you to secure another customer under their belt.\"}),/*#__PURE__*/e(\"h2\",{children:\"8. Get A Side Job\"}),/*#__PURE__*/t(\"p\",{children:[\"If you\u2019ve cut spending and you still feel like you\u2019re not progressing, consider getting a side job. It\u2019s the \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-make-10k-a-month\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"hfF4znXYE\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"easiest way to increase your income and put more into savings\"})}),\". Freelance or part-time jobs that could boost your income are driving for Uber or Lyft, online tutoring, or even selling items online. Flexible options such as dog walking or cleaning houses will let you work your \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/side-hustles-that-can-earn-you-money\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"side hustle\"})}),\" into your existing schedule.\"]}),/*#__PURE__*/e(\"img\",{alt:\"side job dog walking\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,AMoS5qXH6wkUcY1pyiA3NcoeAk.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/AMoS5qXH6wkUcY1pyiA3NcoeAk.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"}),/*#__PURE__*/e(\"h2\",{children:\"9. Compare Different Rates On Insurance\"}),/*#__PURE__*/t(\"p\",{children:[\"It\u2019s not set in stone that you have to keep the same insurance companies forever. In fact, it doesn\u2019t hurt to look around every couple of years for different insurance plans. Some \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/tips-on-how-to-lower-your-car-insurance\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"car insurance\"})}),\" companies will offer you a better deal if you have a good driving record. You can also look into bundling both your car and homeowners insurance because you may be entitled to a better plan getting both insurances from the same company.\"]}),/*#__PURE__*/e(\"h2\",{children:\"10. Spend Less Money On Food\"}),/*#__PURE__*/e(\"p\",{children:\"One of those expenses that you can't hide from but you sure can stay on top of. People tend to downplay how much money they spend on food. Let\u2019s face it, three meals a day can add up, especially if you\u2019re one who often dines out and likes to socialize.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Make a conscious effort to see how much money you\u2019re spending on food monthly. Both preparing your meals and making coffee at home are great ways to save money fast on a low income. You\u2019d be surprised but taking these steps can help slice the cost by half or even more!\"}),/*#__PURE__*/e(\"img\",{alt:\"food discounts\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,6nXuOXzIy0luBhpdCcX24NDoc98.jpg\",\"data-framer-height\":\"3648\",\"data-framer-width\":\"5472\",height:\"1824\",src:\"https://framerusercontent.com/images/6nXuOXzIy0luBhpdCcX24NDoc98.jpg?scale-down-to=4096\",style:{aspectRatio:\"5472 / 3648\"},width:\"2736\"}),/*#__PURE__*/e(\"h2\",{children:\"11. Buy Second Hand Items or Shop At Thrift Stores\"}),/*#__PURE__*/e(\"p\",{children:\"Shopping for goods at a thrift shop, online like the Facebook Marketplace or eBay can help you save on any purchase. Yes some of the things might be second hand, but that doesn\u2019t mean it isn\u2019t in good shape. Even if you\u2019re tight on funds, these different places can uncover some good finds. Some people are even willing to give away things for free due to a relocation so the only expense you might have is picking that item up.\"}),/*#__PURE__*/t(\"h2\",{children:[\"12. Find \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"ways-to-save-money-while-traveling\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"KwybUcY6w\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Cheaper Ways To Travel\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Getting from point A to point B can be a huge expense. Instead of driving your car everywhere you go, invest in a bike or think about walking to places you can. This will cut down on gas costs and you can get in some exercise as well, two birds with one stone. Using public transportation is another cost-effective option instead of driving everywhere. If you happen to live closeby to a coworker, you can carpool with them to save both yourselves money on gas. Remember, the small sacrifices you make now will pay off in the long run.\"}),/*#__PURE__*/e(\"img\",{alt:\"cheaper ways to travel\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,xLCJs5hsnEU6fEsofE4fJYCM2A.jpg\",\"data-framer-height\":\"3034\",\"data-framer-width\":\"4026\",height:\"1517\",src:\"https://framerusercontent.com/images/xLCJs5hsnEU6fEsofE4fJYCM2A.jpg\",style:{aspectRatio:\"4026 / 3034\"},width:\"2013\"}),/*#__PURE__*/e(\"h2\",{children:\"13. Invest In Pre-Tax Savings Options\"}),/*#__PURE__*/t(\"p\",{children:[\"Take advantage of automatic contributions to boost your retirement savings. By setting up regular contributions to your \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/401-k-vs-roth-ira-vs-traditional-roth\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"employer-sponsored retirement plan, like a 401(k)\"})}),\", you can use pre-tax dollars to fund your future. Not only will this help lower your taxable income but may also provide a valuable employer match program. Some employers will match your 401(k) contributions, effectively giving you free money towards your retirement goals. Keep in mind that most employer-match programs have a minimum contribution requirement to be eligible.\"]}),/*#__PURE__*/e(\"h2\",{children:\"14. Become A Handyman\"}),/*#__PURE__*/e(\"p\",{children:\"Learning how to save money fast on a low income could require some YouTube watching or WikiHow reading. Sooner or later, something in your house or car will need to get fixed. Nothing lasts forever. Having to pay a maintenance worker could cost a pretty penny for their services so learning how to do things yourself can help you save your money. If things aren\u2019t clear, you could always ask a friend who might actually do that for a living.\"}),/*#__PURE__*/e(\"img\",{alt:\"pre-tax savings options\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,RGHDQvU4gMWxbxXtghpzs9dsZZY.jpg\",\"data-framer-height\":\"3072\",\"data-framer-width\":\"4608\",height:\"1536\",src:\"https://framerusercontent.com/images/RGHDQvU4gMWxbxXtghpzs9dsZZY.jpg?scale-down-to=4096\",style:{aspectRatio:\"4608 / 3072\"},width:\"2304\"}),/*#__PURE__*/e(\"h2\",{children:\"15. Unplug Appliances\"}),/*#__PURE__*/e(\"p\",{children:\"Energy bills are a major expense for many households. Cutting down on energy bills is a smart way to save. Don\u2019t just switch off the lights or appliances when you\u2019re not using them, but instead unplug them. Even if they\u2019re off, they will still continue to draw power. You can also replace incandescent bulbs with energy-efficient LED Light bulbs. Using energy-efficient appliances like washing machines or fridges will also help lower your energy bill.\"}),/*#__PURE__*/e(\"img\",{alt:\"unplug appliances\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,KXa4myqIH5pYGEC9DOizA3bfI2c.jpg\",\"data-framer-height\":\"3632\",\"data-framer-width\":\"5448\",height:\"1816\",src:\"https://framerusercontent.com/images/KXa4myqIH5pYGEC9DOizA3bfI2c.jpg?scale-down-to=4096\",style:{aspectRatio:\"5448 / 3632\"},width:\"2724\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})})]}),[g]:!0,[p]:\"Finding yourself struggling to make ends meet? Check out these 15 easy ways that you can save money fast, even on a low income.\",[f]:\"5 Min Read\",[y]:null,[w]:\"M2s5y3M5D\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!1,[A]:!0,[S]:!1},{id:\"unLkZjhFP\",[i]:\"70-20-10 Budget Rule: Guide To Mastering Your Finances\",[s]:\"70-20-10-budget-rule-what-it-is\",[c]:\"January 23, 2024\",[l]:\"Editor's Picks\",[h]:j({src:\"https://framerusercontent.com/images/sE2Chhn9DMdsfLeMybDhM0Sxewk.jpg?scale-down-to=4096\",srcSet:\"https://framerusercontent.com/images/sE2Chhn9DMdsfLeMybDhM0Sxewk.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/sE2Chhn9DMdsfLeMybDhM0Sxewk.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/sE2Chhn9DMdsfLeMybDhM0Sxewk.jpg?scale-down-to=2048 2048w, https://framerusercontent.com/images/sE2Chhn9DMdsfLeMybDhM0Sxewk.jpg?scale-down-to=4096 4096w, https://framerusercontent.com/images/sE2Chhn9DMdsfLeMybDhM0Sxewk.jpg 6720w\"},\"70 20 10 budget rule\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Picture this: You\u2019ve graduated from college, juggling a full time job, family and the constant challenge of making ends meet. No matter how much you earn, you still find yourself in that boat of living paycheck to paycheck. When will that come to an end?\"}),/*#__PURE__*/t(\"p\",{children:[\"That\u2019s where having a \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/personal-budgets-what-they-are-and-why-you-need-one\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"personal budget\"})}),\" steps in. Especially in this day and age, \u201Cmany Gen Zers are facing headwinds when it comes to saving money,\u201D\",/*#__PURE__*/e(n,{href:\"https://www.foxbusiness.com/lifestyle/loud-budgeting-viral-what-know-money-trend\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" said Jamie Eckels\"})}),\", partner with \",/*#__PURE__*/e(n,{href:\"https://www.plantemoran.com/\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Plante Moran Financial Advisors\"})}),\". An effective and simple method to help save money is using the 70-20-10 budget rule.\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"br\",{}),\"Keep reading to learn more about how this budgeting method works and how it can help you \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-save-money-fast-on-a-low-income\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"save money, even on a low income\"})}),\".\"]})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"What is the 70-20-10 Budget Rule?\"}),/*#__PURE__*/t(\"p\",{children:[\"The 70-20-10 rule is one of the numerous budgeting methods you can use to help \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/steps-to-improve-your-finances-this-year\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"improve your finances\"})}),\". It\u2019s a simple guideline that allocates your income (after taxes) into three different categories: monthly spending, repaying debts, and saving or investing.\"]})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h3\",{children:\"Set aside 70% for essential expenses:\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"A majority of the money you make should be used for the essentials in your life. Things needed to maintain a standard of living fall into this bucket. Monthly rent, groceries, utilities, any commuting costs, or insurance/credit card payments all fall into this category.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/budgeting-tips-to-help-you-stay-on-track-financially\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Tracking your budgets with a budgeting app\"})}),\" allows you to see if you\u2019re overspending in certain areas. Let\u2019s say you\u2019re spending too much on your cell phone bill. An app like \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Hiatus\"})}),\" can negotiate this bill on your behalf to get better rates for you.\"]}),/*#__PURE__*/e(\"h3\",{children:\"Use 20% on savings and investments\"}),/*#__PURE__*/t(\"p\",{children:[\"The 20 in the 70-20-10 money rule is used either for savings or investments. That\u2019s right, you will set aside 20% of your income and build up an emergency fund in case you need it later on for something unexpected. Whether you lose your job or rack up \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-pay-off-10-000-credit-card-debt\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"$10,000 in credit card debt\"})}),\" 20 years from now (let\u2019s hope not), it's beneficial to have money somewhere that can be used in case of an emergency.\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[\"Investing this money in the \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-start-investing-in-stocks\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"stock market\"})}),\", or in \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/index-funds-vs-mutual-funds-vs-etfs\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"mutual funds\"})}),\" can help set you up for the future. Even a \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/what-a-high-yield-savings-accounts-is-and-how-it-works\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"high-yield savings account\"})}),\" isn\u2019t a bad option since the money will compound and make you more money.\"]}),/*#__PURE__*/e(\"h3\",{children:\"The last 10% spent on debt payments or donations\"}),/*#__PURE__*/e(\"p\",{children:\"The last 10% of your budget will go towards paying additional debt. If you\u2019re asking if we already accounted for credit card payments in the 70% bucket, the answer is yes. However, the quicker you\u2019re able to pay off any outstanding debt you might have, the less interest you\u2019ll wind up paying.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Most budgets don\u2019t include donations in the budget, but this one does. Let\u2019s say you hold a particular charity near and dear to your heart, or even your alma mater, some of the money in this budget is allotted for those types of things as well.\"}),/*#__PURE__*/e(\"h2\",{children:\"Putting The 70-20-10 Budget To Use\"}),/*#__PURE__*/e(\"p\",{children:\"Talking about budgets is one thing, but putting them to practice is another. The first thing you\u2019d need to do is start by figuring out what your monthly income is after taxes. Let\u2019s say you make $4,000 a month after taxes, the 70-20-10 method would have your money looking like this:\"}),/*#__PURE__*/e(\"ul\",{children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[\"$2,800 is used for your living expenses (\",/*#__PURE__*/e(\"strong\",{children:\"70%\"}),\")\"]})})}),/*#__PURE__*/e(\"ul\",{children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[\"$800 should be invested in something or deposited in to a savings account (\",/*#__PURE__*/e(\"strong\",{children:\"20%\"}),\")\"]})})}),/*#__PURE__*/e(\"ul\",{children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[\"$400 on extra debt payments or used for donations\\xa0 (\",/*#__PURE__*/e(\"strong\",{children:\"10%\"}),\")\"]})})}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/must-dos-for-managing-your-budget\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Managing and executing your budget\"})}),\" requires the proper commitment and planning. It can be easy to say you\u2019ll only spend a few extra dollars here and there just one time. Before you know it, it can become a consistent occurrence and your budget will take a big hit.\"]}),/*#__PURE__*/e(\"img\",{alt:\"budget strategies\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,GX2aYv8jqIWZYDqxpkMiQXfhLYA.jpg\",\"data-framer-height\":\"3934\",\"data-framer-width\":\"5901\",height:\"1967\",src:\"https://framerusercontent.com/images/GX2aYv8jqIWZYDqxpkMiQXfhLYA.jpg?scale-down-to=4096\",style:{aspectRatio:\"5901 / 3934\"},width:\"2950\"}),/*#__PURE__*/e(\"h2\",{children:\"Why Use a 70-20-10 Budget\"}),/*#__PURE__*/e(\"p\",{children:\"Budgeting is meant to simplify your financial life and help you from overspending your money. For people who are just starting to budget, the 70-20-10 budget is great. Here are some of the benefits to this type of budget.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Simplicity: \"}),\"Being a quite simple budget with three buckets, you\u2019ll know where and how much of your income is going to be allocated. This will provide financial stability and leave you with a peace of mind instead of having to worry each month about how to manage your money.\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Creating Long Term Wealth: \"}),\"Since 20% of the budget is put towards investments or savings, another benefit to using the 70/20/10 budget is that you\u2019re creating long term wealth for yourself. Most high yield savings accounts or investments will accumulate over time, ensuring that your money grows. Those big time purchases that seem like a long-shot can become that much more realistic.\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Help Reduce Your Debt:\"}),\" The last 10% of this budget is meant for increasing your payments on certain debts so that you can become debt free sooner. Paying debts faster will decrease the amount of interest you\u2019ll need to pay on them.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Building an Emergency Fund:\"}),\" Since part of the budget sets aside money for emergencies, the financial stress from any unexpected situation will be accounted for. Medical emergency? That\u2019s not a problem, you already have money saved in case of that.\\xa0\"]}),/*#__PURE__*/e(\"h2\",{children:\"Downsides to the 70-20-10 Budget\"}),/*#__PURE__*/e(\"p\",{children:\"Some budgeting strategies also come with their flaws. Here are some of the negatives to the 70/20/10 budget.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"What About My Money: \"}),\"You may have asked yourself \u201Cwhat money can I use for myself?\u201D since all of the money was accounted for but yet none was set for \u201Cpersonal spending.\u201D To some people, there\u2019s great value in being able to see a percentage or number of how much money they\u2019re allowed to spend on themselves. At the end of the day, you do need to enjoy your hard earned money a little bit.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Easier Said Than Done:\"}),\" While the simplicity of the budgeting strategy is valid, it is definitely harder to pull off and stick to. Especially for those who are just starting out with a budget, having 30% of your income might be too big of a number to abide by when starting off. Starting at a lower number and working your way up is probably a bit more practical.\"]}),/*#__PURE__*/e(\"img\",{alt:\"70 20 10 money rule\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,l4tdXLTPbFbr7Xm2QZWHLzYA0.jpg\",\"data-framer-height\":\"3915\",\"data-framer-width\":\"5872\",height:\"1957\",src:\"https://framerusercontent.com/images/l4tdXLTPbFbr7Xm2QZWHLzYA0.jpg?scale-down-to=4096\",style:{aspectRatio:\"5872 / 3915\"},width:\"2936\"}),/*#__PURE__*/e(\"h2\",{children:\"How To Prepare For A 70/20/10 Budget\"}),/*#__PURE__*/e(\"p\",{children:\"Before you start creating your budget, you\u2019ll need to do some work beforehand to see how much money you\u2019re actually working with. First, you should look at your last few months to truly determine how much money you have coming in and going out.\"}),/*#__PURE__*/t(\"p\",{children:[\"Next, categorizing each expense will help you gain a better understanding of what is a necessity and what can be deleted. Finding those pesky charges that you may have forgotten about can be eliminated altogether and that money added to your budget. Subscription services are a big one and the \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Hiatus app\"})}),\" can also help you cancel subscriptions straight from the dashboard.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"Once you\u2019ve gotten all that taken care of, you can start to break your income down into those three buckets. Setting up automatic deposits will help streamline your budget and make life easy. Take 20% of your income and put it from your checking to savings accounts and investments. Next, set up another automatic transfer and put 10% which will go towards donations/ extra debt payments. The remaining 70% in your checking account will be used on the essentials.\"}),/*#__PURE__*/e(\"h3\",{children:\"Being Flexible With Your Budget\"}),/*#__PURE__*/e(\"p\",{children:\"It\u2019s important to remember that the 70 20 10 budget isn\u2019t something set in stone. It\u2019s a guideline and important to adjust the budget based on each person\u2019s circumstances. Some people may need to allocate more than 10% of their income towards debt repayments to get back on track. It\u2019s key to make sure you find the right balance that works for you and will also help you achieve your goals.\"}),/*#__PURE__*/e(\"h2\",{children:\"Is this budget right for you\"}),/*#__PURE__*/e(\"p\",{children:\"Following the 70/20/10 budget rule will certainly help you get a better grasp of your finances and help build a solid foundation for your future. Try out this budget and see if it works for you. If not, there are a variety of other budget strategies that will help you achieve your goals as well!\"})]}),[g]:!0,[p]:\"Are you struggling to manage your finances? Learn about the powerful 70-20-10 budget rule and how it can help you achieve financial stability and success.\",[f]:\"8 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!1,[A]:!1,[S]:!0},{id:\"PUSPM2Rnj\",[i]:\"Joint Credit Card: Is Getting One Right For You?\",[s]:\"joint-credit-card\",[c]:\"January 16, 2024\",[l]:\"Credit Cards\",[h]:j({src:\"https://framerusercontent.com/images/OWDo5qDJQFcyRkSFocAWq0vMY.jpg?scale-down-to=4096\",srcSet:\"https://framerusercontent.com/images/OWDo5qDJQFcyRkSFocAWq0vMY.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/OWDo5qDJQFcyRkSFocAWq0vMY.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/OWDo5qDJQFcyRkSFocAWq0vMY.jpg?scale-down-to=2048 2048w, https://framerusercontent.com/images/OWDo5qDJQFcyRkSFocAWq0vMY.jpg?scale-down-to=4096 4096w, https://framerusercontent.com/images/OWDo5qDJQFcyRkSFocAWq0vMY.jpg 6000w\"},\"joint credit card\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Money plays a pivotal role in our lives, and managing it can be challenging at times. Add a shared responsibility and that challenge becomes that much more difficult. Whether it\u2019s your significant other, spouse, or business partner, there comes a time when you need to work with somebody when it comes to finances.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"One way to do this is by getting a joint credit card. A joint credit card can be a \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-choose-the-best-second-credit-card\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"great second credit card\"})}),\" for you because it lets you create a shared record of your expenses with another person. If you\u2019re interested in joint credit cards, keep reading to learn what they are, how they work, and the advantages and disadvantages of having one.\"]})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"What is a joint credit card?\"}),/*#__PURE__*/e(\"p\",{children:\"A joint credit card allows for two people to share a credit line. Both people on the account will get their own credit card to use and are held equally accountable for paying off the charges linked to that account.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"One thing worth noting is that not all financial institutions have joint credit cards available so it\u2019s important to do your research before going to open a joint credit card account.\"}),/*#__PURE__*/e(\"p\",{children:\"Depending on your intentions, joint credit cards are used for personal or business purchases. Any activity on the card, both good and bad, will affect both cardholders.\"}),/*#__PURE__*/e(\"h3\",{children:\"How does a joint credit card work?\"}),/*#__PURE__*/e(\"p\",{children:\"Just like most traditional credit cards, all applicants must provide their personal and financial information when applying for a joint credit card account. The card issuer will ask for things like income, employment status, and card history.\"}),/*#__PURE__*/e(\"p\",{children:\"Once approved, both cardholders will receive their own card with the names of both cardholders. You can use the card and start to make purchases and withdraw cash.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"As previously mentioned, both people are responsible when it comes to \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-pay-off-10-000-credit-card-debt\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"paying off any credit card debt\"})}),\" that has accumulated. Whether it\u2019s a 50/50 split or one pays 100%, the full payment needs to be made otherwise both cardholders will be penalized.\"]})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"How To Apply For A Joint Credit Card\"}),/*#__PURE__*/e(\"p\",{children:\"The first thing to do when applying for a joint credit card account is to find which credit card issuers offer them. It\u2019s worth noting that not all financial institutions offer these types of accounts anymore.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"In order to be eligible, both potential cardholders will require a certain credit score and must be able to show they\u2019re able to handle credit responsibly. On top of that, issuers will probably want to know each person\u2019s employment status, their income, and if there are any other existing debts to their name before being approved.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"The actual application process is quite similar to an individual credit card. You\u2019ll need to support your social security number for each partner, as well as current address and you may need to bring in recent bank statements as proof. In order to avoid setbacks, make sure all the information you provide is accurate when applying for a joint credit card.\"}),/*#__PURE__*/e(\"h2\",{children:\"Pros of having a joint credit card:\"}),/*#__PURE__*/e(\"p\",{children:\"With any financial decision comes its pros and cons. Here are some of the advantages of having a joint credit card:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Helps build shared credit history:\"}),\" If you stay on top of your payments and keep your card balance low, having a joint credit card can help improve your credit scores.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Ease of tracking expenses:\"}),\" Joint credit cards allow cardholders access to the same credit card statement so all your expenses are in one place. Household finances and things like your \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"personal-budgets-what-they-are-and-why-you-need-one\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"S_lPF5OK9\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"budget\"})}),\" can all be viewed in one place so no need to worry about different statements from multiple cards.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Maximize rewards: \"}),\"If you use your joint credit card strategically, you can maximize your rewards by sharing the miles or points earned from purchases made by both of the cardholders.\"]})})]}),/*#__PURE__*/e(\"h2\",{children:\"Cons of having a joint credit card:\"}),/*#__PURE__*/e(\"p\",{children:\"Every positive also comes with their counterpart, so here are all the disadvantages of joint credit card accounts:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Impact of credit score:\"}),\" Having a joint credit card can be like a double edged sword when it comes to credit. If either of the cardholders misses a payment or is late, both of your credit scores will be impacted negatively.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Equal responsibility for debt\"}),\": Regardless if your partner makes more purchases than you and spends more money, you\u2019re just as liable for making sure all of the payments are made on time. Joint credit cards can be difficult to manage, especially for those with different spending habits.\\xa0\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Getting out of a joint account:\"}),\" If there are any relationship problems that arise between the two cardholders, it can be a complex and challenging process to get out of a joint credit card account. There may be legal actions to consider, or you might have to pay off all the debts accrued on the card before transitioning to a traditional account.\"]})})]}),/*#__PURE__*/e(\"img\",{alt:\"pros and cons of joint credit cards\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,PdkpQ6gfO1wqK7b9BdSlHDfx6ck.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/PdkpQ6gfO1wqK7b9BdSlHDfx6ck.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"}),/*#__PURE__*/e(\"h2\",{children:\"Alternatives To Joint Credit Cards\"}),/*#__PURE__*/e(\"p\",{children:\"If getting a joint credit card isn\u2019t right for you, here are some other options you might be interested in:\"}),/*#__PURE__*/t(\"h3\",{children:[\"Open A \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/secured-vs-unsecured-credit-card-understanding-the-difference\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Secured Credit Card\"})})]}),/*#__PURE__*/e(\"p\",{children:\"One alternative to joint credit cards is opening a secured credit card. The way these cards work is you deposit upfront what your credit limit is. In doing so, the card issuer has less risk because users show to the bank they have that money. It\u2019s a great way to help build your credit so you can qualify for better credit cards down the road.\"}),/*#__PURE__*/e(\"h3\",{children:\"Adding an Authorized Card User\"}),/*#__PURE__*/e(\"p\",{children:\"If you feel that a joint credit card account isn\u2019t for you, then you could always add an authorized user to your account. One of the main differences between a joint credit card and an authorized user account is that authorized users are allowed to use the card as they please but aren\u2019t legally liable for making any payments. Some card issuers will let you put a cap on how much the authorized user can spend.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Another difference between the two is that an authorized user doesn\u2019t need to have their credit score checked before they get their credit card. If the cardholder who is adding an authorized user to it has a good credit score and has good habits, the authorized user can reap the benefits and also increase their credit score.\\xa0\"}),/*#__PURE__*/e(\"h3\",{children:\"Having a Co-Signer\"}),/*#__PURE__*/e(\"p\",{children:\"Having a co-signer allows you to apply for your own credit card under your name and insures the bank that if you can\u2019t make a payment, the co-signer will. This will increase the chances of the bank approving your request and may also get you more favorable rates and higher spending limits.\"}),/*#__PURE__*/e(\"p\",{children:\"Getting somebody to be a co-signer is great for people who are trying to build their credit score from nothing or looking to rebuild it altogether. Given the risk for the co-signer, it\u2019s important they are co-signing for somebody they can trust.\"}),/*#__PURE__*/e(\"h3\",{children:\"Get Separate Cards\"}),/*#__PURE__*/e(\"p\",{children:\"The last joint credit card alternative is to just open two separate credit cards. Instead of one being responsible for the other\u2019s spending habits, you can just open different accounts. This will allow each individual to be responsible for their actions. No commitments or liabilities for the other person.\"}),/*#__PURE__*/e(\"img\",{alt:\"joint credit card alternatives\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,d5BxaSK3XLjxEduJhLGnGn9HY.jpg\",\"data-framer-height\":\"3840\",\"data-framer-width\":\"5760\",height:\"1920\",src:\"https://framerusercontent.com/images/d5BxaSK3XLjxEduJhLGnGn9HY.jpg?scale-down-to=4096\",style:{aspectRatio:\"5760 / 3840\"},width:\"2880\"}),/*#__PURE__*/e(\"h2\",{children:\"Should You Get A Joint Credit Card\"}),/*#__PURE__*/e(\"p\",{children:\"Joint credit cards can be a great way to streamline your finances with your partner and share credit responsibilities. If you work well together as a team, you can reap the rewards and increase both of your credit scores.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"It\u2019s crucial to make sure the both of you are on the same page when it comes to setting limits for how much you spend with that account. Although many people think \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/common-myths-about-money-and-how-to-avoid-them\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"credit card debt is unavoidable\"})}),\", there\u2019s many ways that clear communication can solve that misunderstanding. If your partner has the same intentions as you with financial goals then getting a joint credit card can be right for you.\"]}),/*#__PURE__*/e(\"h2\",{children:\"FAQs on Joint Credit Cards\"}),/*#__PURE__*/e(\"ol\",{children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"What banks offer joint credit cards?\"})})})}),/*#__PURE__*/e(\"p\",{children:\"As we discussed, not as many financial institutions offer these types of credit cards anymore. Some that still do are PNC Bank, U.S Bank, Alliant credit union, and Capital One.\"}),/*#__PURE__*/e(\"ol\",{start:\"2\",children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Do joint credit cards build credit for both people?\"})})})}),/*#__PURE__*/e(\"p\",{children:\"Yes, both cardholders on the account will improve their credit score if they make their monthly payments on time and keep their spending habits in tact. On the other hand, both people can see their credit score dip if they miss payments or constantly use most of their credit available to them.\"}),/*#__PURE__*/e(\"ol\",{start:\"3\",children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Can I add a joint account user to my existing card?\"})})})}),/*#__PURE__*/e(\"p\",{children:\"No, a joint credit card account must be opened between the two cardholders individually. If you want to add somebody to your existing credit card, you can add them as an authorized user.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})})]}),[g]:!0,[p]:\"Thinking about getting a joint credit card with your partner or family member? Discover the pros, cons, and important factors to consider before making this financial decision.\",[f]:\"7 Min Read\",[y]:null,[w]:\"RGGU6aFJJ\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!1,[A]:!1,[S]:!0},{id:\"K3frKWRSV\",[i]:\"How to Invest 20k: 10 Ways To Secure Your Financial Future\",[s]:\"how-to-invest-20k\",[c]:\"January 10, 2024\",[l]:\"Hiatus Guides\",[h]:j({src:\"https://framerusercontent.com/images/VLMbbVU8t6dDWPmiZXV4jmbv2SM.jpg\",srcSet:\"https://framerusercontent.com/images/VLMbbVU8t6dDWPmiZXV4jmbv2SM.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/VLMbbVU8t6dDWPmiZXV4jmbv2SM.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/VLMbbVU8t6dDWPmiZXV4jmbv2SM.jpg?scale-down-to=2048 2048w, https://framerusercontent.com/images/VLMbbVU8t6dDWPmiZXV4jmbv2SM.jpg 3264w\"},\"How to Invest 20k\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Looking for smart ways to invest $20,000? You\u2019ve come to the right place. Deciding where to invest any sort of money can seem a bit overwhelming given there are so many different options available.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"From low-risk options to high-risk options, we\u2019ve compiled a list of some of the best ways of how to invest 20k. Keep reading to discover 10 ways that will help you with your decision to better your financial future.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/what-a-high-yield-savings-accounts-is-and-how-it-works\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"1. High-Yield Savings Account\"})})}),/*#__PURE__*/t(\"p\",{children:[\"One way you can invest your money is by putting it into a high-yield savings account. These accounts offer much better \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/apy-vs-interest-rate-breaking-down-the-difference\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"interest rates\"})}),\", sometimes 16x more, compared to a traditional savings account. Money put into a HYSA is FDIC-insured which means that it\u2019s protected up to a certain amount, usually $250,000. For those looking to play the long game, high-yield savings accounts are a great and safe investment option.\"]})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"2. Real Estate\"}),/*#__PURE__*/t(\"p\",{children:[\"Whether you\u2019re flipping houses or investing in rental property, investing in real estate can be a highly profitable avenue if done properly. It\u2019s important to do the necessary research to make sure the location is desirable for people to want to live in and has the potential for the investment. Not only can you earn a steady stream of income from rental properties, you can also benefit from the appreciation of properties in the long run. People with enough real estate investments can \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-make-10k-a-month\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"hfF4znXYE\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"make $10k a month\"})}),\", even more.\"]}),/*#__PURE__*/e(\"h2\",{children:\"3. Peer-to-Peer Lending\"}),/*#__PURE__*/e(\"p\",{children:\"This type of investment cuts out traditional banks and involves connecting borrowers with investors. Peer-to-peer lending is where you lend money either to an individual or business, usually through an online platform. P2P lending comes with a level of risk but does provide higher returns than your traditional bank account.\"})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/are-cds-worth-it\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"4. Certificate of Deposit (CD)\"})})}),/*#__PURE__*/t(\"p\",{children:[\"An \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/alternatives-to-high-yield-savings-accounts-their-benefits\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"alternative to a high-yield savings account\"})}),\", CDs are another excellent option for how to invest 20k, especially if you don\u2019t want to take on much risk. Similar to high-yield savings accounts, CDs offer higher interest rates than savings accounts. The one difference is that with a Certificate of Deposit, you can\u2019t touch your money for a certain period of time. Depending on the terms it can be a few months or even years. Withdrawing the money before the term is up may lead to being penalized.\"]}),/*#__PURE__*/e(\"h2\",{children:\"5. ETFs and Mutual Funds\"}),/*#__PURE__*/t(\"p\",{children:[\"Investing in \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/index-funds-vs-mutual-funds-vs-etfs\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"ETFs and mutual funds\"})}),\" is like the saying \u201Cdon\u2019t put all your eggs in one basket.\u201D This type of investment allows you to diversify your portfolio by holding a variety of securities. By investing your $20,000 in ETFs and mutual funds, you can potentially earn high returns without having to manage individual stocks.\"]}),/*#__PURE__*/e(\"img\",{alt:\"invest $20,000\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,4l07NmY8iWiC6DS2U09aNuUVaM.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/4l07NmY8iWiC6DS2U09aNuUVaM.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"}),/*#__PURE__*/e(\"h2\",{children:\"6. Stocks\"}),/*#__PURE__*/t(\"p\",{children:[\"Figuring out how to invest 20k shouldn\u2019t be a dreadful task,\\xa0 neither is investing in stocks. If you have the time and knowledge to do so, \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-start-investing-in-stocks\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"investing in stocks\"})}),\" is an excellent way to earn high returns. However, just like with P2P lending, there are some high risks that come along with it.\"]}),/*#__PURE__*/e(\"p\",{children:\"When you purchase a stock, you own a small piece of that company. Unlike ETFs and mutual funds, purchasing individual stocks allows you to choose what you want for your investment portfolio. So in order to decrease the risk, it\u2019s smart to invest in well-known companies with long histories of success.\"}),/*#__PURE__*/e(\"h2\",{children:\"\\xa07. Start A Business\"}),/*#__PURE__*/e(\"p\",{children:\"Starting a business might be a dream of yours. With 20k to invest, it might just be enough to start something small. This is a high-risk investment option but it\u2019s something that you\u2019re in full control of. If done right, you could potentially yield extremely high returns down the road.\\xa0\"}),/*#__PURE__*/e(\"img\",{alt:\"girl celebrating financial freedom\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,L1Ru5iPz8Fvv4egiH9BeDkBcJmM.jpg\",\"data-framer-height\":\"4016\",\"data-framer-width\":\"6016\",height:\"2008\",src:\"https://framerusercontent.com/images/L1Ru5iPz8Fvv4egiH9BeDkBcJmM.jpg?scale-down-to=4096\",style:{aspectRatio:\"6016 / 4016\"},width:\"3008\"}),/*#__PURE__*/e(\"h2\",{children:\"8. Cryptocurrency\"}),/*#__PURE__*/e(\"p\",{children:\"Gaining much popularity as of late, cryptocurrency is a digital asset that can be bought and sold. If you have the tolerance to take on some risk, then investing in cryptocurrencies can be for you.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"While risky, cryptocurrencies present a promising investment opportunity with large returns. Just like all investing strategies, it\u2019s important to do your research because the cryptocurrency market can be extremely volatile.\"}),/*#__PURE__*/e(\"h2\",{children:\"9. Purchasing Artwork\"}),/*#__PURE__*/e(\"p\",{children:\"While this might not seem like the ordinary investment option, it can be quite profitable! The value of artwork can appreciate significantly over time. So don\u2019t just decorate your home, make money while doing so.\\xa0 so you can decorate your home and make money while doing so.If you have an eye for art, investing in artworks can be a great option of how to invest 20k.\\xa0\"}),/*#__PURE__*/e(\"img\",{alt:\"purchase artwork invest $20k\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,IvRy9F73lVuD8z7iMgQ2mC6b8.jpg\",\"data-framer-height\":\"2736\",\"data-framer-width\":\"3648\",height:\"1368\",src:\"https://framerusercontent.com/images/IvRy9F73lVuD8z7iMgQ2mC6b8.jpg\",style:{aspectRatio:\"3648 / 2736\"},width:\"1824\"}),/*#__PURE__*/e(\"h2\",{children:\"10. Education\\xa0\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Lastly, investing in yourself can produce a great return on investment. Putting the money into going back to school to get another degree or a professional certificate can be a great way to invest your $20,000. These degrees or certificates can advance your career and increase your earning potential.\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"Bonus: Bonds\"}),/*#__PURE__*/t(\"p\",{children:[\"Bonds provide a fixed income with a predetermined interest rate. Investing in bonds is a less risky play than stocks and is a good method for people who want to invest conservatively. Knowing \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-cash-in-savings-bonds\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"how to cash in savings bonds\"})}),\" is also important so you know how to maximize your money.\"]})]}),[g]:!0,[p]:\"Thinking about investing your savings but not sure where to start? Discover how to invest 20k, from different banking options to stocks and real estate.\",[f]:\"4 Min Read\",[y]:null,[w]:\"M2s5y3M5D\",[b]:\"K68XL9Yj4\",[v]:!0,[k]:!1,[I]:!1,[x]:!1,[T]:!1,[A]:!1,[S]:!1},{id:\"IqwEImqjH\",[i]:\"How To Cash In Savings Bonds: Mastering The Art\",[s]:\"how-to-cash-in-savings-bonds\",[c]:\"December 29, 2023\",[l]:\"Banking\",[h]:j({src:\"https://framerusercontent.com/images/e8hsYid0fFhtf2WRxMbyA5lo.jpg?scale-down-to=4096\",srcSet:\"https://framerusercontent.com/images/e8hsYid0fFhtf2WRxMbyA5lo.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/e8hsYid0fFhtf2WRxMbyA5lo.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/e8hsYid0fFhtf2WRxMbyA5lo.jpg?scale-down-to=2048 2048w, https://framerusercontent.com/images/e8hsYid0fFhtf2WRxMbyA5lo.jpg?scale-down-to=4096 4096w, https://framerusercontent.com/images/e8hsYid0fFhtf2WRxMbyA5lo.jpg 6324w\"},\"How To Cash In Savings Bonds\"),[d]:/*#__PURE__*/e(r.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Are you that person who received a savings bond as a gift during your childhood? Or a family member of yours was once a saver and has accumulated a few savings bonds? Maybe it\u2019s time to cash in those savings bonds but you\u2019re not familiar with the next steps.\"})}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"If you\u2019ve never done it before it can be a bit confusing but after reading this blog post, your doubts and any confusion will be cleared. From understanding the different types of bonds to navigating the tax landscape, let's delve into the essential steps of how to cash in savings bonds stress-free.\"}),/*#__PURE__*/e(\"h2\",{children:\"What Are Savings Bonds?\"}),/*#__PURE__*/t(\"p\",{children:[\"Let\u2019s start with the basics. A savings bond is a \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/alternatives-to-high-yield-savings-accounts-their-benefits\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"debt security issued by the U.S. government\"})}),\" to raise funds and promote savings. They are considered a low-risk investment, making them an attractive choice for \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-invest-20k\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"K3frKWRSV\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"individuals seeking a secure and stable financial option\"})}),\". Since the government guarantees the principal and interest, it can be a great way to diversify your investment portfolio.\"]})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h3\",{children:\"Different Types of Savings Bonds\"}),/*#__PURE__*/e(\"p\",{children:\"The two main types of savings bonds are Series I and Series EE. Series EE bonds are purchased at a discount to their face value and accrue interest over a fixed period, most times 20 years. On the other hand, a Series I bond is inflation-protected and adjusts their interest rates based on changes in the Consumer Price Index.\"}),/*#__PURE__*/e(\"h3\",{children:\"Key Features and Benefits Of Savings Bonds\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Non-marketable, meaning they cannot be bought or sold on the secondary market.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Interest earned on savings bonds is exempt from state and local taxes\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"May be federally tax-free if used for qualifying educational expenses\"})})]}),/*#__PURE__*/e(\"img\",{alt:\"What Are Savings Bonds\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,QO9NzdlKpouAEUrfvQgeydeek.jpg\",\"data-framer-height\":\"4500\",\"data-framer-width\":\"8000\",height:\"2250\",src:\"https://framerusercontent.com/images/QO9NzdlKpouAEUrfvQgeydeek.jpg?scale-down-to=4096\",style:{aspectRatio:\"8000 / 4500\"},width:\"4000\"}),/*#__PURE__*/e(\"h2\",{children:\"Knowing When Your Savings Bonds Mature\"}),/*#__PURE__*/e(\"p\",{children:\"One key thing to know on how to cash in savings bonds is its maturity date. The maturity date of a savings bond is when the bond reaches its full face value. Cashing in anytime before this date, you may miss out on some earnings because the bond would continue to accrue interest until its maturity date. If you cash in the bond after its maturity date you won\u2019t be getting any additional interest either.\"}),/*#__PURE__*/e(\"h3\",{children:\"How to Find the Maturity Date of Your Bonds\"}),/*#__PURE__*/e(\"p\",{children:\"Finding the maturity date is a pretty simple and straightforward process. For electronic bonds, you can use one of the online tools provided by the U.S. Department of the Treasury to find its maturity date. As for paper bonds, you can find all the necessary information on the face of the bond itself. Check the issue date and look for the series (e.g., Series EE or Series I) to determine the maturity period.\"}),/*#__PURE__*/e(\"h2\",{children:\"Steps to Cash In Savings Bonds\"}),/*#__PURE__*/e(\"p\",{children:\"Cashing in your savings bonds follows a few steps in order to ensure you\u2019re doing the necessary things. Whether you have physical paper bonds or electronic versions, these steps are meant to help make the process easier.\"}),/*#__PURE__*/e(\"h3\",{children:\"Gathering All The Necessary Information\"}),/*#__PURE__*/e(\"p\",{children:\"Make sure you have all the relevant information before you start the cash-in process. These pieces of information include your social security number, the specific bond series and denomination and the owner of the bond\u2019s name. It might seem basic but it will make your life easier and help minimize any risk of errors.\"}),/*#__PURE__*/e(\"h3\",{children:\"What Options Do I Have for Cashing In Savings Bonds?\"}),/*#__PURE__*/e(\"p\",{children:\"The U.S. Department of the Treasury offers flexibility to bondholders when it comes to cashing in savings bonds. You can choose to redeem your bonds online through the TreasuryDirect website, in-person at financial institutions or credit unions, or by mail. Since each option comes with its own set of procedures, it's essential to select the method that aligns with your preferences and circumstances.\"}),/*#__PURE__*/e(\"h3\",{children:\"What Are The Required Forms and ID Needed?\"}),/*#__PURE__*/e(\"p\",{children:\"When it comes to learning how to cash in savings bonds, it\u2019s important to know which forms need to be filled out. This varies based on which cash in method you decide to go with.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"For cashing in savings bonds online, you\u2019ll probably have to fill out different electronic forms on the TreasuryDirect platform.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"If you\u2019re looking to cash in your savings bonds via mail-in or in-person, you\u2019ll have to fill out specific paper forms. On top of that, you\u2019ll need to have one or sometimes two forms of identification if you\u2019re at a bank or credit union to verify your identity and ownership of the bonds.\"}),/*#__PURE__*/e(\"img\",{alt:\"Cash In Savings Bonds\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,jUY1qhFlojj66n6SCwN1Wsj0ik.jpg\",\"data-framer-height\":\"2732\",\"data-framer-width\":\"4032\",height:\"1366\",src:\"https://framerusercontent.com/images/jUY1qhFlojj66n6SCwN1Wsj0ik.jpg\",style:{aspectRatio:\"4032 / 2732\"},width:\"2016\"}),/*#__PURE__*/e(\"h2\",{children:\"What Are The Tax Considerations When Cashing In Savings Bonds?\"}),/*#__PURE__*/e(\"p\",{children:\"Cashing in savings bonds can have implications for your tax liability. When you decide to cash in savings bonds, you\u2019re required to report the interest earned as part of your taxable income for that given year. This interest is subject to federal income tax but will be exempt from state and local taxes.\"}),/*#__PURE__*/e(\"h3\",{children:\"Reporting Interest Income\"}),/*#__PURE__*/e(\"p\",{children:\"Whether you decide to do it at a financial institution or online platform, you will be given the necessary documentation, such as Form 1099-INT, detailing the interest income. The interest you earn from the savings bonds is then reported on your annual federal income tax return. It\u2019s important to accurately report this information to avoid any issues later down the road.\"}),/*#__PURE__*/e(\"h3\",{children:\"Strategies to Minimize Tax Liability\"}),/*#__PURE__*/e(\"p\",{children:\"Even though the interest from cashing in savings bonds is taxed, there are ways that you can minimize your tax liability:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"If you use the proceeds from savings bonds to pay for qualifying educational expenses, you might be able to exclude paying any taxes for that interest.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Take into consideration how much your overall income is and how much you\u2019ll add to that by cashing in a savings bond. If it significantly increases your taxable income in a given year, it may be worth holding onto the bond.\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"Conclusion\"}),/*#__PURE__*/t(\"p\",{children:[\"Learning how to cash in savings bonds can be a straightforward process, however there are certain things that may come off as confusing. Just like many other financial decisions, it\u2019s important to understand the strategizing the right way can help take your money further with your \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/budgeting-tips-to-help-you-stay-on-track-financially\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"financial goals\"})}),\". The money from your savings bond can be used in many ways, from \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-pay-off-10-000-credit-card-debt\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"paying off credit card debt\"})}),\" to being \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-start-investing-in-stocks\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"invested in stocks\"})}),\". \\xa0\"]})]}),[g]:!0,[p]:\"Unlock the secrets of how to cash in savings bonds! From maturity dates to tax tips, discover the steps and strategies for a savvy financial redemption. Dive in now!\",[f]:\"7 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!0,[A]:!1,[S]:!1},{id:\"hnavhRvZd\",[i]:\"10 Common Money Myths and How to Avoid Them\",[s]:\"common-myths-about-money-and-how-to-avoid-them\",[c]:\"December 15, 2023\",[l]:\"Hiatus Guides\",[h]:j({src:\"https://framerusercontent.com/images/TrIkDJFIZWRb2R5f729VaNhUk40.jpg\",srcSet:\"https://framerusercontent.com/images/TrIkDJFIZWRb2R5f729VaNhUk40.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/TrIkDJFIZWRb2R5f729VaNhUk40.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/TrIkDJFIZWRb2R5f729VaNhUk40.jpg 1280w\"},\"money myths\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Are you feeling overwhelmed when it comes to managing your personal finances? You're not alone. Money matters can be daunting and confusing, especially given the many common misconceptions about them that are floating around.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"It doesn't have to be so intimidating if you equip yourself with the right knowledge \u2013 from understanding how credit cards work to \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-save-money-fast-on-a-low-income\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"hoWturXQx\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"forming better spending habits\"})}),\". Here are ten common money myths and how avoiding them could make all the difference in your financial future.\"]}),/*#__PURE__*/t(\"h2\",{children:[\"1. \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-pay-off-10-000-credit-card-debt\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"j2PscW67u\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Credit Card Debt\"})}),\" Is Unavoidable\"]}),/*#__PURE__*/e(\"p\",{children:\"Despite it being a necessity for many, you don't have to get caught in the trap of credit card debt. With careful planning and by monitoring your spending habits, using credit cards can be an economical way to manage purchases without having to worry about creating a mountain of financial obligations. Mastering good money management skills is essential if you want access to all the benefits that come with paying on plastic - while avoiding unnecessary debts!\"}),/*#__PURE__*/e(\"img\",{alt:\"credit card debt\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,gHNUXEEGn5mvbbbgF1CHVhmG6TE.jpg\",\"data-framer-height\":\"3464\",\"data-framer-width\":\"5548\",height:\"1732\",src:\"https://framerusercontent.com/images/gHNUXEEGn5mvbbbgF1CHVhmG6TE.jpg?scale-down-to=4096\",style:{aspectRatio:\"5548 / 3464\"},width:\"2774\"}),/*#__PURE__*/e(\"h2\",{children:\"2. Saving A Small Amount Won\u2019t Make A Difference\"}),/*#__PURE__*/e(\"p\",{children:\"Are you a firm believer that it\u2019s only worthwhile if you can save large sums of money at a time? Think again. When it comes to saving, every little bit counts. Try starting with only 5% of your paycheck, then if you can, work your way up to 10%.\"}),/*#__PURE__*/t(\"p\",{children:[\"It might not seem like a lot at first, but being consistent will go a long way in the end. Take your savings even further and put them into accounts with higher yields. \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/what-a-high-yield-savings-accounts-is-and-how-it-works\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"High yield savings accounts\"})}),\" are a great choice, as well as an \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/alternatives-to-high-yield-savings-accounts-their-benefits\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"alternative\"})}),\" like \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/are-cds-worth-it\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"CDs\"})}),\" or \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/cds-vs-money-market-accounts-decoding-the-savings-options\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"money market accounts\"})}),\".\"]})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"3. Investing Is Too Risky\"}),/*#__PURE__*/t(\"p\",{children:[\"For those who may feel hesitant about \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-invest-20k\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"K3frKWRSV\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"investing $20k\"})}),\" or more, it's important to remember that there are ways to manage associated risks while still capitalizing on potential rewards. \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"alternatives-to-high-yield-savings-accounts-their-benefits\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"aqyXtqPid\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Diversifying your investments\"})}),\" across multiple \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-start-investing-in-stocks\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"z4pHA2blY\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"stocks\"})}),\" and \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"index-funds-vs-mutual-funds-vs-etfs\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"n5cJQrMEK\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"mutual funds\"})}),\" is a great way for investors of all levels to minimize their risk - the idea being not putting all one\u2019s eggs in just one basket! It takes some research into your own personal investment goals and risk profile before diving in; but with careful consideration you'll be well-positioned when making decisions involving money matters.\"]}),/*#__PURE__*/e(\"img\",{alt:\"investing graphs\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,Bz9zDdB4htn5qAYGuSX0eF8BXIA.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/Bz9zDdB4htn5qAYGuSX0eF8BXIA.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"}),/*#__PURE__*/e(\"h2\",{children:\"4. You Don't Need Insurance Planning Unless You're Rich\"}),/*#__PURE__*/t(\"p\",{children:[\"Don't be fooled by the misconception that \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"what-umbrella-insurance-covers-and-why-you-need-it\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"hCRLD3jdO\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"insurance planning is solely for wealthy individuals\"})}),\"--everyone needs to plan for their financial future, no matter what stage in life they're at. Insurance policies like health and life are essential tools of protection when it comes to those sudden or unexpected situations where medical bills can pile up quickly! It's never too early (or late!) to make sure you have a solid safety net built into your long-term financial plans.\"]})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"5. Financial Advisors Have Your Best Interest\"}),/*#__PURE__*/e(\"p\",{children:\"You\u2019d think that all financial advisors would be looking out for their clients. Afterall, they\u2019re financial experts, right? Wrong. That's another one of the money myths that many people get wrong. The only people who legally have to put your finance and economic interests ahead of theirs are fiduciary advisors. Other financial advisors might put themselves first and take advantage of their clients. Be sure to carefully do your research before choosing somebody who will be in control of your finances.\"}),/*#__PURE__*/e(\"img\",{alt:\"financial advisor\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,ihCX80ZHL38Lvk91jtmF9XPx0.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/ihCX80ZHL38Lvk91jtmF9XPx0.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"}),/*#__PURE__*/e(\"h2\",{children:\"6. Your Credit History Gets Merged When You Get Married\"}),/*#__PURE__*/e(\"p\",{children:\"Unless you already share an account, it\u2019s important that couples are aware that their credit histories remain separate, even after tying the knot. If you do share an account, then remember that both people are responsible for any charges to that account. It might seem like a sensitive topic but having open conversations regarding your money management earlier on in your relationship can avoid bigger problems down the road. If things get a bit rocky and divorce or separation occurs, those shared accounts can have an effect on both personal credit scores if either of the two isn\u2019t keeping up with payments. \"}),/*#__PURE__*/e(\"img\",{alt:\"credit history\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,tguzXsyPhhhbQv3L4g1PiDiXCc0.jpg\",\"data-framer-height\":\"3178\",\"data-framer-width\":\"4768\",height:\"1589\",src:\"https://framerusercontent.com/images/tguzXsyPhhhbQv3L4g1PiDiXCc0.jpg?scale-down-to=4096\",style:{aspectRatio:\"4768 / 3178\"},width:\"2384\"}),/*#__PURE__*/e(\"h2\",{children:\"7. We Only Have One Credit Score\"}),/*#__PURE__*/e(\"p\",{children:\"It's important to understand the ins and outs of credit scores \u2014 they are more complicated than you might think. Many people might think there\u2019s only one credit score but that\u2019s not the case. Credit scores are calculated at different times and are based on different criteria so some agencies will have more than one credit score. Payment history, outstanding debt balances, the age of accounts you hold and even new applications for lines of credit are all taken into account.\\xa0 Knowing all this helps better manage your money responsibly!\"}),/*#__PURE__*/e(\"img\",{alt:\"credit score ranking\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,t9TAir1itbVGLYj0xeshN498U4.jpg\",\"data-framer-height\":\"3333\",\"data-framer-width\":\"5000\",height:\"1666\",src:\"https://framerusercontent.com/images/t9TAir1itbVGLYj0xeshN498U4.jpg?scale-down-to=4096\",style:{aspectRatio:\"5000 / 3333\"},width:\"2500\"}),/*#__PURE__*/e(\"h2\",{children:\"8. Retirement Is Far Away, So It's Not Important Now\"}),/*#__PURE__*/t(\"p\",{children:[\"When we\u2019re young, retirement may feel like a lifetime away but the \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-save-money-fast-on-a-low-income\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"hoWturXQx\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"best time to begin saving is now\"})}),\"! Getting an early start gives your money more opportunity for growth with \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"apy-vs-interest-rate-breaking-down-the-difference\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"FKEpUEzkO\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"compounding interest\"})}),\" - plus it can give you a sense of freedom in later life. Your retirement savings potential could make bigger gains if you decide to participate in an \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"401-k-vs-roth-ira-vs-traditional-roth\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"fwgZzGjkf\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"employer-sponsored 401(k) plan\"})}),\". Starting young isn't just smart financially; it might be one key step towards lifelong security and peace-of-mind too!\"]}),/*#__PURE__*/e(\"img\",{alt:\"retirement plan\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,DtzfgFWda0WIPwlKR31JA39UkY.jpg\",\"data-framer-height\":\"2856\",\"data-framer-width\":\"4272\",height:\"1428\",src:\"https://framerusercontent.com/images/DtzfgFWda0WIPwlKR31JA39UkY.jpg?scale-down-to=4096\",style:{aspectRatio:\"4272 / 2856\"},width:\"2136\"}),/*#__PURE__*/e(\"h2\",{children:\"9. It's Better To Rent Than Buy a Home\"}),/*#__PURE__*/e(\"p\",{children:\"Renting has its advantages \u2014 no property taxes or maintenance fees \u2014 but buying a home may be better suited for certain individuals depending on their circumstances. Buying a home allows you to build equity over time as well as gain tax benefits such as deductions on mortgage interest payments. Before deciding whether renting or buying is better for you, look at both options carefully considering factors such as current interest rates, available financing options and job stability before coming to a decision on which makes more sense financially for your situation.\"}),/*#__PURE__*/e(\"img\",{alt:\"buying a home\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,PUywA5we3PUu8YdJYfbkXTcWn5k.jpg\",\"data-framer-height\":\"3444\",\"data-framer-width\":\"5166\",height:\"1722\",src:\"https://framerusercontent.com/images/PUywA5we3PUu8YdJYfbkXTcWn5k.jpg?scale-down-to=4096\",style:{aspectRatio:\"5166 / 3444\"},width:\"2583\"}),/*#__PURE__*/e(\"h2\",{children:\"10. Do I Really Need A Budget? I Make Good Money\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/must-dos-for-managing-your-budget\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Managing your budget\"})}),\" is key to a healthy financial lifestyle - no matter what kind of salary you make. Even with a steady income, it's possible to rack up more expenses than you can afford - setting yourself up for future financial headaches. Using a personal finance app is a good way to offset that problem. Hiatus allows you to \",/*#__PURE__*/e(n,{href:\"https://hiatus.app/signup/profile/take-control\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"set custom budgets\"})}),\" based on keywords and keep track of your spending. From recurring subscriptions, groceries, \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/tips-on-how-to-lower-your-car-insurance\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"car insurance\"})}),\" and other bills, the app keeps track of where your money is going.\"]}),/*#__PURE__*/e(\"img\",{alt:\"budgeting\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,LXd8GHCFg3gJEUqhWEkyRX6Q04.jpg\",\"data-framer-height\":\"4764\",\"data-framer-width\":\"7138\",height:\"2382\",src:\"https://framerusercontent.com/images/LXd8GHCFg3gJEUqhWEkyRX6Q04.jpg?scale-down-to=4096\",style:{aspectRatio:\"7138 / 4764\"},width:\"3569\"}),/*#__PURE__*/e(\"h2\",{children:\"Making Smart Financial Choices\"}),/*#__PURE__*/t(\"p\",{children:[\"Understanding personal finance is a journey, and it's one made up of countless decisions. We've all heard different money myths floating around - but don't be fooled by them! Educate yourself on different investing strategies, types of insurances, and more to make smart financial choices that best suit your own individual needs. Knowing the potential pitfalls can help you \",/*#__PURE__*/e(n,{href:\"https://hiatus.app/signup/profile/goals?utm_source=hiatus_blog&utm_medium=organic&utm_campaign=common_myths_about_money_and_how_to_avoid_them\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"stay in control of your finances\"})}),\" and keep rooted firmly towards reaching sound financial security!\"]})]}),[g]:!0,[p]:\"Tired of making the same mistakes when it comes to managing your finances? Discover ten common money myths and how you can improve your financial future.\",[f]:\"7 Min Read\",[y]:null,[w]:\"M2s5y3M5D\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!1,[A]:!1,[S]:!0},{id:\"hfF4znXYE\",[i]:\"How to Make $10k a Month: 10 Ways To Elevate Your Earnings\",[s]:\"how-to-make-10k-a-month\",[c]:\"December 09, 2023\",[l]:\"Hiatus Guides\",[h]:j({src:\"https://framerusercontent.com/images/sE2Chhn9DMdsfLeMybDhM0Sxewk.jpg?scale-down-to=4096\",srcSet:\"https://framerusercontent.com/images/sE2Chhn9DMdsfLeMybDhM0Sxewk.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/sE2Chhn9DMdsfLeMybDhM0Sxewk.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/sE2Chhn9DMdsfLeMybDhM0Sxewk.jpg?scale-down-to=2048 2048w, https://framerusercontent.com/images/sE2Chhn9DMdsfLeMybDhM0Sxewk.jpg?scale-down-to=4096 4096w, https://framerusercontent.com/images/sE2Chhn9DMdsfLeMybDhM0Sxewk.jpg 6720w\"},\"how to make $10,000 a month\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"In today\u2019s day and age, who wouldn\u2019t love to make $10,000 a month? Whether that money will be used to \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-pay-off-10-000-credit-card-debt\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"pay off credit card debt\"})}),\", or towards a down payment on a house, that extra cash can go a long way. However, earning that kind of money may seem like a longshot given the current times.\"]}),/*#__PURE__*/e(\"p\",{children:\"With access to the internet and its different platforms, numerous streams of income are easier to come by than you might think. These 10 ways on how to make $10k a month will help turn your dreams into a reality.\\xa0\"}),/*#__PURE__*/t(\"h2\",{children:[\"1. Find a High-Paying Job or Career\",/*#__PURE__*/e(\"strong\",{children:\"\\xa0\"})]}),/*#__PURE__*/e(\"p\",{children:\"The first step towards making $10,000 a month is finding a high-paying job or career. Not that this is going to be an easy find, but it\u2019s the most logical if you only have one source of income. Look for industries that pay well, and consider going back to school or getting certifications that will make you more marketable.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"You could always start your own business or become an entrepreneur to have more control over your income. While this comes with a bigger upside, it also comes with more risk as you\u2019d be putting more money into your business instead of being paid by your employer.\"}),/*#__PURE__*/e(\"img\",{alt:\"Find a High-Paying Job or Career\\xa0\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,3MqG1JpbVE4Y1BzczjsLoYENo.jpg\",\"data-framer-height\":\"4069\",\"data-framer-width\":\"6144\",height:\"2034\",src:\"https://framerusercontent.com/images/3MqG1JpbVE4Y1BzczjsLoYENo.jpg?scale-down-to=4096\",style:{aspectRatio:\"6144 / 4069\"},width:\"3072\"}),/*#__PURE__*/t(\"h2\",{children:[\"2.Open A \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/what-a-high-yield-savings-accounts-is-and-how-it-works\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"High-Yield Savings Account\"})})]}),/*#__PURE__*/e(\"p\",{children:\"While making money is a significant part of the strategy to help you make 10k a month, having your money work for you should be another. High yield savings accounts pay upwards of 4-5% whereas other regular savings accounts pay less than .5% APY (annual percentage yield). If you already have a nice savings built up, you could make a few extra hundred dollars a month from your own money.\"})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"h2\",{children:[\"3. \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/side-hustles-that-can-earn-you-money\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Start a Side Hustle\\xa0\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Starting a side hustle is another way to make $10k a month. These side jobs can be another means of income on top of your primary job or career. You should look for opportunities that align with your skills and interests. Some popular side hustles include freelancing services, tutoring online, and pet sitting. Don\u2019t be afraid to experiment until you find something that works for you. A side hustle should be something that you get some enjoyment from, after all it\u2019s how you\u2019re spending your time outside of work.\"}),/*#__PURE__*/e(\"img\",{alt:\"Start A Side Hustle\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,FZi2bfo2PEJROICmR4MUyzvuWQ.jpg\",\"data-framer-height\":\"3103\",\"data-framer-width\":\"4654\",height:\"1551\",src:\"https://framerusercontent.com/images/FZi2bfo2PEJROICmR4MUyzvuWQ.jpg?scale-down-to=4096\",style:{aspectRatio:\"4654 / 3103\"},width:\"2327\"}),/*#__PURE__*/e(\"h2\",{children:\"4. Adopt a Money-Saving Mindset\"}),/*#__PURE__*/t(\"p\",{children:[\"It\u2019s not just about earning more money; it\u2019s also about saving too. Adopting a money-saving mindset can help you maximize your wealth and make $10,000 a month faster. This includes \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/budgeting-tips-to-help-you-stay-on-track-financially\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"creating a budget\"})}),\", reducing your expenses, and avoiding any debts. You should also look for opportunities to invest in assets that provide long-term growth and steady income.\"]})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"5. Create an E-Commerce Store\"}),/*#__PURE__*/t(\"p\",{children:[\"It seems like everything today is done online. Why not take advantage of that and make some money off that? With the internet\u2019s easy access, you can start your own online store in the blink of an eye. From your own personal goods you no longer need, to digital products like workout plans if you're a personal trainer, the options are endless. \",/*#__PURE__*/e(n,{href:\"https://www.shopify.com/\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Shopify\"})}),\" is one of the bigger ecommerce platforms that will allow you to market your products.\"]}),/*#__PURE__*/e(\"img\",{alt:\"Create an E-Commerce Store\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,ztCTEcNPRgc8T2JGW5ImnJBshpw.jpg\",\"data-framer-height\":\"4912\",\"data-framer-width\":\"7360\",height:\"2456\",src:\"https://framerusercontent.com/images/ztCTEcNPRgc8T2JGW5ImnJBshpw.jpg?scale-down-to=4096\",style:{aspectRatio:\"7360 / 4912\"},width:\"3680\"}),/*#__PURE__*/e(\"h2\",{children:\"6. Work Smarter, Not Harder\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Working harder doesn\u2019t always translate into more income. With that being said, focus on working smarter and finding ways to better your efficiency and increase productivity. Some ways you can work smarter might be outsourcing some of your tasks or even automating different processes.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Remember to prioritize your daily tasks and set goals to make sure you take care of what needs to be taken care of first. This will ensure that you\u2019re making progress towards your financial goal of making $10,000 a month.\"}),/*#__PURE__*/e(\"img\",{alt:\"Work Smarter, Not Harder\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,m9zhJKbO79iFerEcvrH9ADDvo9U.jpg?originalFilename=pexels-arthouse-studio-4641257.jpg\",\"data-framer-height\":\"5304\",\"data-framer-width\":\"7952\",height:\"2652\",src:\"https://framerusercontent.com/images/m9zhJKbO79iFerEcvrH9ADDvo9U.jpg?scale-down-to=4096\",style:{aspectRatio:\"7952 / 5304\"},width:\"3976\"}),/*#__PURE__*/t(\"h2\",{children:[\"7.\\xa0 \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-invest-20k\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"K3frKWRSV\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Invest in Real Estate\"})}),\"\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"Real estate is a great way to generate passive income and increase your net worth. The great thing with real estate is you don\u2019t need to worry about putting down a big investment to get started. There are platforms which allow you to invest in real estate with a small amount of capital.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"However, if you\u2019re going to do it on your own, real estate investing requires research, planning, and management. Investing in rental properties or flipping houses can provide a steady stream of income, and you can leverage your investments to earn even more. To be successful, you\u2019ll need to have a solid understanding of the market, financing, and legal considerations.\"}),/*#__PURE__*/e(\"img\",{alt:\"Invest in Real Estate\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,ha1zesjMTeXNE8amiRUIsi4D2Zs.jpg\",\"data-framer-height\":\"3393\",\"data-framer-width\":\"5264\",height:\"1696\",src:\"https://framerusercontent.com/images/ha1zesjMTeXNE8amiRUIsi4D2Zs.jpg?scale-down-to=4096\",style:{aspectRatio:\"5264 / 3393\"},width:\"2632\"}),/*#__PURE__*/e(\"h2\",{children:\"8. Start A Blog\"}),/*#__PURE__*/e(\"p\",{children:\"While it will require hard work to get started and might take time to see some results, blogging is a great way to make steady income. With enough commitment and posting consistently, it can even help you make $10k a month.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"It\u2019s important to pick a niche that interests you so you never get bored of writing about that subject. Adding your expertise to the topic, you can then start to build your own community of readers.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Besides posting on the same topics, you\u2019ll also need to make sure you post high quality content and optimize it for best SEO practices. This will allow you to rank high in search engines and engage traffic coming to your blog.\\xa0\"}),/*#__PURE__*/e(\"img\",{alt:\"Start A Blog\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,sQPERK0OtVIvDgX9CdSniXAjY.jpg\",\"data-framer-height\":\"4480\",\"data-framer-width\":\"6720\",height:\"2240\",src:\"https://framerusercontent.com/images/sQPERK0OtVIvDgX9CdSniXAjY.jpg?scale-down-to=4096\",style:{aspectRatio:\"6720 / 4480\"},width:\"3360\"}),/*#__PURE__*/e(\"h2\",{children:\"9. Get Into Affiliate Marketing\"}),/*#__PURE__*/e(\"p\",{children:\"This goes hand in hand with starting a blog and is one of the more popular ways that people make their money online. After you\u2019ve built a following, you can partner with brands and get sponsored by them to market their product on your website or social media accounts. Usually you would get a percentage of each sale that comes from the link you were given or promotion code.\\xa0\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"The great thing about affiliate marketing is that if you have a well established blog, you can partner with countless brands and include their links on your blog posts. This gives potential customers many touchpoints to come across those links and take action. Finding products that line up with your interests and the interest of your blog will help you make extra income.\\xa0\"}),/*#__PURE__*/e(\"img\",{alt:\"Get Into Affiliate Marketing\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,IPj21Kfgbp8zy9Q9WkXgmktHcIE.jpg\",\"data-framer-height\":\"4480\",\"data-framer-width\":\"6720\",height:\"2240\",src:\"https://framerusercontent.com/images/IPj21Kfgbp8zy9Q9WkXgmktHcIE.jpg?scale-down-to=4096\",style:{aspectRatio:\"6720 / 4480\"},width:\"3360\"}),/*#__PURE__*/t(\"h2\",{children:[\"10. \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-start-investing-in-stocks\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Investing In Stocks\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Investing in stocks is the last way on this list of how to make $10k a month. Getting into the stock game will allow you to see your money continually grow. Of course there are risks when you invest your money. However, buying shares in established companies are ways that beginner investors can start off.\"}),/*#__PURE__*/e(\"p\",{children:\"Once you get a feel for how the market works and you do your research, you can start to add stocks with a high growth potential to your portfolio. This will increase your earnings at a significant percentage, bringing you closer to your goal of making $10,000 a month and potentially surpassing that!\"}),/*#__PURE__*/e(\"img\",{alt:\"Investing In Stocks\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,Y2lB2DcciPf58HUv9nkODvW2H0.jpg\",\"data-framer-height\":\"3456\",\"data-framer-width\":\"5184\",height:\"1728\",src:\"https://framerusercontent.com/images/Y2lB2DcciPf58HUv9nkODvW2H0.jpg?scale-down-to=4096\",style:{aspectRatio:\"5184 / 3456\"},width:\"2592\"})]}),[g]:!0,[p]:\"Elevate your income game! Learn proven strategies to make $10,000 monthly. Unlock financial success with our expert tips. Start your lucrative journey now!\",[f]:\"7 Min Read\",[y]:null,[w]:\"M2s5y3M5D\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!0,[x]:!1,[T]:!1,[A]:!1,[S]:!1},{id:\"e33TrmpvE\",[i]:\"10 Tips to Save Money This Holiday Season\",[s]:\"tips-to-save-money-this-holiday-season\",[c]:\"December 1, 2023\",[l]:\"Hiatus Guides\",[h]:j({src:\"https://framerusercontent.com/images/Ibvc4MJMTzu9NXo34TuITtVh9Io.jpg\",srcSet:\"https://framerusercontent.com/images/Ibvc4MJMTzu9NXo34TuITtVh9Io.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/Ibvc4MJMTzu9NXo34TuITtVh9Io.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/Ibvc4MJMTzu9NXo34TuITtVh9Io.jpg 1280w\"},\"save money this holiday season\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"With inflation rising at faster rates,\",/*#__PURE__*/e(n,{href:\"https://www.cnbc.com/2022/03/17/skyrocketing-inflation-is-taking-a-big-bite-out-of-worker-paychecks.html\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" paychecks are stretched thinner than ever.\"})}),\" The holidays are fast approaching, and saving money is on everyone's mind. So what can you do to help cut costs and have the holiday season you deserve?\"]}),/*#__PURE__*/e(\"p\",{children:\"If you are looking to get creative with your finances this holiday season, here are ten tips to save money this holiday season:\"}),/*#__PURE__*/e(\"h2\",{children:\"1. Get Creative With Your Gift-Giving!\"}),/*#__PURE__*/e(\"p\",{children:\"Who said money buys happiness? Take your holiday gifting up a notch by being unique and personal with your presents.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Get crafty, make something yourself or put together a gift basket full of items your family will use and appreciate.\"}),/*#__PURE__*/e(\"p\",{children:\"When you create your own gifts or put together a thoughtful basket, you'll save money and show your loved ones how much you care. Creative gifts can also come cheap if you plan ahead.\"}),/*#__PURE__*/e(\"img\",{alt:\"creative gift giving\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,DS6BAPFuf6H6aVjFzWJt5tcDNg8.jpg\",\"data-framer-height\":\"3648\",\"data-framer-width\":\"5529\",height:\"1824\",src:\"https://framerusercontent.com/images/DS6BAPFuf6H6aVjFzWJt5tcDNg8.jpg?scale-down-to=4096\",style:{aspectRatio:\"5529 / 3648\"},width:\"2764\"}),/*#__PURE__*/e(\"h2\",{children:\"2. Open a Second Credit Card, But Use It Wisely\"}),/*#__PURE__*/t(\"p\",{children:[\"Credit cards can be useful around the holidays if you use them wisely. If not, you can end up in \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-pay-off-10-000-credit-card-debt\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"credit card debt\"})}),\" from holiday shopping. No matter the type of card you decide to go with, whether it's a \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"joint-credit-card\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"PUSPM2Rnj\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"joint credit card\"})}),\" or \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"secured-vs-unsecured-credit-card-understanding-the-difference\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"Dia1KBVOU\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"secured card\"})}),\", the holidays could be a great time to get another card.\"]}),/*#__PURE__*/t(\"p\",{children:[\"Some of the \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-choose-the-best-second-credit-card\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"best second credit cards\"})}),\" will offer you intro bonuses for spending a certain amount when you open an account. Knowing that you\u2019re going to spend the money, why not get rewarded for your holiday spending?\"]})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"3. Shop Around For The Best Deals\"}),/*#__PURE__*/e(\"p\",{children:\"With so many retailers competing for your business, there are bound to be some great deals out there. Make sure you take the time to look for them. Avoid the last-minute rush and shop early. Whether you're shopping online or in brick-and-mortar stores, be sure to compare prices and take advantage of sales and special offers.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"You can also save money this holiday season by doing your holiday shopping throughout the year. If you find an unbeatable deal on something your loved one would like, don\u2019t hesitate to buy it then. Chances are it'll be even more expensive closer to the holidays.\"}),/*#__PURE__*/e(\"img\",{alt:\"sales storefront\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,t6Ro2tpv96eNKEzbF3Ovkw1gc0.jpg\",\"data-framer-height\":\"3024\",\"data-framer-width\":\"4032\",height:\"1512\",src:\"https://framerusercontent.com/images/t6Ro2tpv96eNKEzbF3Ovkw1gc0.jpg\",style:{aspectRatio:\"4032 / 3024\"},width:\"2016\"}),/*#__PURE__*/e(\"h2\",{children:\"4. Set A Budget - And Stick To It\"}),/*#__PURE__*/t(\"p\",{children:[\"This one may seem obvious, but it's essential to \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/personal-budgets-what-they-are-and-why-you-need-one\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"set a realistic budget\"})}),\" for your holiday spending - and then make sure you stick to it. Once you know how much you can afford to spend, start looking for gifts that fit within your budget. Keep in mind that you don't have to spend a lot of money to give a great gift.\"]}),/*#__PURE__*/t(\"p\",{children:[\"If you're struggling to stay within your budget, \",/*#__PURE__*/e(n,{href:\"https://app.adjust.com/161605d6_167r5vg7\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"try using an app that helps you track and manage your finances.\"})}),\" This can be a great way to help you stay mindful of your spending and avoid overspending during the holidays.\"]})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"5. Don't Forget About Freebies And Discounts\"}),/*#__PURE__*/e(\"p\",{children:\"There are plenty of ways to get free or discounted items during the holidays - you just have to know where to look.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Many stores offer loyalty programs that give you access to exclusive deals and coupons. And don't forget about online discount codes - a quick search can often reveal coupons for everything from free shipping to a percentage off your purchase.\"}),/*#__PURE__*/e(\"p\",{children:\"You can also take advantage of holiday promotions, such as Black Friday sales and Cyber Monday deals. Many retailers offer discounts on popular items, so it's worth checking out your favorite stores' websites and social media accounts to see what's being offered.\"}),/*#__PURE__*/e(\"img\",{alt:\"discount coupons\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,2Fzj8AmPCt4nVJPdvqhoGDeQSs.jpg\",\"data-framer-height\":\"3300\",\"data-framer-width\":\"4950\",height:\"1650\",src:\"https://framerusercontent.com/images/2Fzj8AmPCt4nVJPdvqhoGDeQSs.jpg?scale-down-to=4096\",style:{aspectRatio:\"4950 / 3300\"},width:\"2475\"}),/*#__PURE__*/e(\"h2\",{children:\"6.Go With Potluck Or Do A Secret Santa\"}),/*#__PURE__*/e(\"p\",{children:\"Have a lot of siblings and relatives? Buying for every relative can put a dent in your wallet. A great solution to this is to take part in a Secret Santa or white elephant gift exchange. Instead of buying dozens of gifts, everybody picks a name out of a hat and only has to buy a gift for that person. Most times there\u2019s a spending limit per gift as well.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Another way to save this holiday season is to minimize the amount of food you cook for the holidays. Instead of serving a large meal for 30-40 people, take part in pot luck where everybody brings a dish. This will allow you to try a wide variety of food as well.\"}),/*#__PURE__*/e(\"img\",{alt:\"potluck dinner\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,xeTdRVINSGTpKRfXdBcf1OHmr0Q.jpg\",\"data-framer-height\":\"2667\",\"data-framer-width\":\"4000\",height:\"1333\",src:\"https://framerusercontent.com/images/xeTdRVINSGTpKRfXdBcf1OHmr0Q.jpg\",style:{aspectRatio:\"4000 / 2667\"},width:\"2000\"}),/*#__PURE__*/e(\"h2\",{children:\"7. Travel Smart\"}),/*#__PURE__*/e(\"p\",{children:\"Gifts aren't the only reason that money is tight during the holidays - travel can also take a big bite out of your budget.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"If you're planning on visiting family or friends, plan ahead and compare prices on flights and hotels. And if you're driving, be sure to map out your route in advance and take advantage of gas station rewards programs to save money on fuel. This is just one of the few \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"ways-to-save-money-while-traveling\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"KwybUcY6w\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"ways you can save money while traveling\"})}),\".\"]}),/*#__PURE__*/e(\"img\",{alt:\"traveling smart gps\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,t9CwMnvzxFVQ0hh9pELLO31d8Tg.jpg\",\"data-framer-height\":\"4248\",\"data-framer-width\":\"7000\",height:\"2124\",src:\"https://framerusercontent.com/images/t9CwMnvzxFVQ0hh9pELLO31d8Tg.jpg?scale-down-to=4096\",style:{aspectRatio:\"7000 / 4248\"},width:\"3500\"}),/*#__PURE__*/e(\"h2\",{children:\"8.Regifting\"}),/*#__PURE__*/e(\"p\",{children:\"Maybe it\u2019s not the most \u201Cthoughtful\u201D gift to give, however it won\u2019t cost you. Plus, the person who is receiving the gift may really enjoy it.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Gifts that you received which serve you no purpose, like that toaster you already have, could be a great gift to cousin Johnny who just bought a house. It might make you feel guilty, but these gifts can still add lots of value to your loved ones.\"}),/*#__PURE__*/e(\"img\",{alt:\"Regifting\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,cl9kK84rM1Y4fpS0xoOc9gfv2nE.jpg\",\"data-framer-height\":\"3102\",\"data-framer-width\":\"4422\",height:\"1551\",src:\"https://framerusercontent.com/images/cl9kK84rM1Y4fpS0xoOc9gfv2nE.jpg?scale-down-to=4096\",style:{aspectRatio:\"4422 / 3102\"},width:\"2211\"}),/*#__PURE__*/e(\"h2\",{children:\"9. Skip The Holiday Parties\"}),/*#__PURE__*/e(\"p\",{children:\"While it can be tempting to attend every holiday party, consider choosing which ones to be at.\\xa0 By no means are we saying to be The Grinch and not to go to any, but maybe it\u2019s not necessary to go to the \u201Cfriend of a friend\u2019s\u201D party. Not only will it save you money this holiday season, but it will also give you more time to spend with family and friends.\"}),/*#__PURE__*/e(\"p\",{children:\"Plus, who doesn\u2019t enjoy snuggling up in a cozy blanket with the fireplace on watching a Christmas movie?\"}),/*#__PURE__*/e(\"img\",{alt:\"cozy holiday season\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,8dhme4p2m5ZOG1dP31tUVndikY.jpg\",\"data-framer-height\":\"3712\",\"data-framer-width\":\"5568\",height:\"1856\",src:\"https://framerusercontent.com/images/8dhme4p2m5ZOG1dP31tUVndikY.jpg?scale-down-to=4096\",style:{aspectRatio:\"5568 / 3712\"},width:\"2784\"}),/*#__PURE__*/e(\"h2\",{children:\"10. Use An App To Track Your Finances and reach your goals\"}),/*#__PURE__*/t(\"p\",{children:[\"One of the \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"budgeting-tips-to-help-you-stay-on-track-financially\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"w5PkT1NTj\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"best ways to stay on track financially\"})}),\" and \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-save-money-fast-on-a-low-income\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"hoWturXQx\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"save money fast\"})}),\" is to use a budgeting or financial tracking app. These apps can help you see where your money is going, set goals and track your progress over time.\"]}),/*#__PURE__*/e(\"p\",{children:\"When it comes to choosing the right app, make sure to look for features such as:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"The ability to create a budget and track your spending\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Financial goal setting and tracking with helpful insights\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Easy-to-use interface and mobile accessibility\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Easy unsubscription services for unwanted recurring charges\"})})]}),/*#__PURE__*/e(\"p\",{children:\"An app that tracks your finances can be a great way to help you stay on budget and reach your financial goals - all while making the most of your holiday spending. \"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,aFquvxkz11SxMJmdneimdl2lXA.png\",\"data-framer-height\":\"2000\",\"data-framer-width\":\"3346\",height:\"1000\",src:\"https://framerusercontent.com/images/aFquvxkz11SxMJmdneimdl2lXA.png\",style:{aspectRatio:\"3346 / 2000\"},width:\"1673\"}),/*#__PURE__*/e(\"h2\",{children:\"Save More this Holiday Season with Hiatus\"}),/*#__PURE__*/e(\"p\",{children:\"With careful planning and a little bit of creativity, you can give great gifts and still save money this holiday season. By following these tips, you can make sure your holidays are merry - and bright - without going into debt.\"}),/*#__PURE__*/t(\"p\",{children:[\"If you want to save even more this holiday season, check out Hiatus.\",/*#__PURE__*/e(n,{href:\"https://www.hiatusapp.com/\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" Hiatus connects the dots between your financial goals and everyday spending\"})}),\", so you can save money without thinking about it. Plus, intuitive technology tracks and targets unwanted subscriptions, so you can save money on recurring charges.\"]}),/*#__PURE__*/e(\"p\",{children:\"Hiatus helps you go beyond canceling subscriptions to meeting your financial goals. By targeting specific goals (such as saving for a rainy day fund or paying off debt), you can ensure that your money always works for you - especially during the expensive holiday season.\"}),/*#__PURE__*/t(\"p\",{children:[\"Ready to start saving this holiday season - and beyond? \",/*#__PURE__*/e(n,{href:\"https://app.adjust.com/161605d6_167r5vg7\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Check out Hiatus\"})}),\" today, and discover how easy it is to stop unwanted or forgotten subscriptions from draining your holiday budget!\"]})]}),[g]:!0,[p]:\"Looking to save money this holiday season? Check out these ten tips on how to save money this holiday season.\",[f]:\"6 Min Read\",[y]:null,[w]:\"RGGU6aFJJ\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!0,[A]:!1,[S]:!1},{id:\"w5PkT1NTj\",[i]:\"10 Budgeting Tips To Help You Stay On Track Financially\",[s]:\"budgeting-tips-to-help-you-stay-on-track-financially\",[c]:\"November 27. 2023\",[l]:\"Hiatus Guides\",[h]:j({src:\"https://framerusercontent.com/images/wEoMu4PIvJMiA3ky5K39peUNVk.jpg?scale-down-to=4096\",srcSet:\"https://framerusercontent.com/images/wEoMu4PIvJMiA3ky5K39peUNVk.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/wEoMu4PIvJMiA3ky5K39peUNVk.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/wEoMu4PIvJMiA3ky5K39peUNVk.jpg?scale-down-to=2048 2048w, https://framerusercontent.com/images/wEoMu4PIvJMiA3ky5K39peUNVk.jpg?scale-down-to=4096 4096w, https://framerusercontent.com/images/wEoMu4PIvJMiA3ky5K39peUNVk.jpg 6476w\"},\"Budgeting Tips To Help You Stay On Track Financially\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"\u201CIt\u2019s the most wonderful time of the year..\u201D At least that\u2019s what they say with the holiday season, Black Friday and Cyber Monday amongst us. But that means that it could be the time of the year where your wallet is begging for help.\"}),/*#__PURE__*/e(\"p\",{children:\"Recent studies have shown that over half of Americans live paycheck to paycheck. With the increase in the amount of money people spend towards the end of the year, budgeting becomes more important to maintain one\u2019s lifestyle. These 10 budgeting tips can help you stay on track financially.\"}),/*#__PURE__*/e(\"h2\",{children:\"1.Make A Realistic Budget\"}),/*#__PURE__*/t(\"p\",{children:[\"Creating a \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/personal-budgets-what-they-are-and-why-you-need-one\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"personal budget\"})}),\" that you can actually stick to requires one key element: being realistic. It may seem obvious, but staying on track financially requires you to be honest with yourself.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"By not taking into account your regular expenses or setting unachievable savings goals, you\u2019ll only be setting yourself up for failure. It\u2019s also possible that you tend to eat lunch with coworkers a few times a week but that doesn\u2019t get included into your budget. By being honest about your spending habits, you can develop a budget that helps you meet your financial obligations and save for the future.\"}),/*#__PURE__*/e(\"h2\",{children:\"2.Automate Your Payments\"}),/*#__PURE__*/t(\"p\",{children:[\"This simple task can make a world of difference for your finances. No more late payments and a lot less headaches having to worry about when bills need to be paid. Automate payments for those recurring bills like \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/tips-on-how-to-lower-your-car-insurance\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"car insurance\"})}),\", phone bills or even your \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/ways-to-prepare-for-student-loan-payments\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"student loans\"})}),\".\"]}),/*#__PURE__*/t(\"p\",{children:[\"The same can be done when it comes to saving money. Determine how much you want to save monthly, and set up automatic withdrawals from your paycheck or checking account. Putting this money into a\",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/what-a-high-yield-savings-accounts-is-and-how-it-works\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" high yield savings account\"})}),\" will bring your money even further, allowing you to reach your goals faster.\"]})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"3.Understand That Each Month Won\u2019t Be The Same\"}),/*#__PURE__*/e(\"p\",{children:\"Successful budgeting requires flexibility and taking into account all factors. Yes it\u2019s important that you have a set number for your budget, but you also need to understand that each month will be different from another.\"}),/*#__PURE__*/e(\"p\",{children:\"Things like summer vacations in the middle of the year or holiday shopping towards the back end of the year will have your expenses higher than most other months. Take into consideration any extracurricular activities you might participate in, it will help avoid any surprises.\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"4. Cut Back On Unnecessary Expenses\"}),/*#__PURE__*/t(\"p\",{children:[\"Reviewing your expenses on a regular basis will give you a better idea of how much money you\u2019ll need each month for fixed expenses. Once you have a good grasp on this, you can see where you can cut back on things that aren\u2019t essentials. Eating out less, reducing your cable bill and deleting unused subscriptions will \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-save-money-fast-on-a-low-income\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"help save money fast\"})}),\". Making small changes to your spending habits can add up quickly and will allow you to reap benefits in the long term.\"]})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"5. Use Cash Instead Of Credit Cards\"}),/*#__PURE__*/t(\"p\",{children:[\"This is not to say completely eliminate your credit card use. After all, using credit cards and \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-pay-off-10-000-credit-card-debt\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"paying off credit card debt\"})}),\" is fundamental for building up your credit score.\\xa0 However, limiting your credit card use will help you stay on track and achieve your financial goals easier.\\xa0\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"Paying with cash gives you a visual reminder of your spending habits. When you see your money dwindling, you\u2019re more likely to think twice before making unnecessary purchases.\"}),/*#__PURE__*/e(\"h2\",{children:\"6. Set Financial Goals\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"One of the most beneficial budgeting tips to help achieve your financial goals is to make sure they\u2019re specific. You need to determine what it is exactly you want to achieve with your finances. List out your short and long-term goals so you can track what you are and aren\u2019t hitting.\"}),/*#__PURE__*/e(\"p\",{children:\"Is it a down payment on a house, are you looking to pay off debt, or maybe that dream vacation? Whatever it is that you\u2019re looking for, setting specific goals can help you stay motivated and on track.\"}),/*#__PURE__*/e(\"img\",{alt:\"Set Financial Goals\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,flWkMSDJomuzkEgu7b1o0zQK6jY.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/flWkMSDJomuzkEgu7b1o0zQK6jY.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"}),/*#__PURE__*/e(\"h2\",{children:\"7. Plan For Unexpected Expenses\"}),/*#__PURE__*/e(\"p\",{children:\"As Forrest Gump said, \u201Clife is like a box of chocolates, you never know what you\u2019re going to get.\u201D Things that need to be fixed right away like a flat tire or water leaks in your house can happen at any given time. It\u2019s best to have a bit of wiggle room in your budget to take these things into consideration.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Put aside a small amount of money each month just in case you run into an emergency and need access to cash. This will save you from having to use credit cards or take out loans to pay for them.\"}),/*#__PURE__*/e(\"h2\",{children:\"8. Make Sure You Know Where All Your Money Is Going\"}),/*#__PURE__*/e(\"p\",{children:\"Don\u2019t just round numbers or estimate how much something is going to cost. Doing so can end up in significant mistakes. Keep track of every penny you spend. This will allow you to see where all your money is going so you can make any necessary changes if need be.\"}),/*#__PURE__*/e(\"p\",{children:\"Tracking your expenses regularly allows you to monitor your spending patterns and identify areas where you need to cut back. It can also open your eyes to seeing how much money you use on things that aren\u2019t a necessity.\"}),/*#__PURE__*/e(\"img\",{alt:\"organized budget\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,GnoUJ1CJGGDjuoqgb4MNSd1Jiw.jpg\",\"data-framer-height\":\"3024\",\"data-framer-width\":\"4032\",height:\"1512\",src:\"https://framerusercontent.com/images/GnoUJ1CJGGDjuoqgb4MNSd1Jiw.jpg\",style:{aspectRatio:\"4032 / 3024\"},width:\"2016\"}),/*#__PURE__*/e(\"h2\",{children:\"9. Keep Your Budget Organized\"}),/*#__PURE__*/t(\"p\",{children:[\"Keeping your budget organized is crucial in helping achieve your goals financially. Some people go the old-school route of Excel spreadsheets while others use tools to help them \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/must-dos-for-managing-your-budget\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"manage their budgets\"})}),\".\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://app.adjust.com/161605d6_167r5vg7\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Hiatus is a budgeting app\"})}),\" that lets you set custom budgets based on your spending and will track all of your expenses right in its dashboard. Whatever your budgeting preferences are when it comes to organizing them, it\u2019s important to make sure that they\u2019re organized.\"]}),/*#__PURE__*/e(\"h2\",{children:\"10. Stay Disciplined\"}),/*#__PURE__*/e(\"p\",{children:\"In order to achieve your financial goals, it\u2019s important to stay disciplined with your budget. It can be really easy to lose focus when a few things don\u2019t go your way, but don\u2019t give in. You may have to sacrifice a few things here or there but it\u2019ll all pay off in the end. Be consistent and avoid impulsive purchases outside your budget.\"})]}),[g]:!0,[p]:\"Looking for creative ways to stay in control of your finances? We\u2019ve got you covered. These 10 budgeting tips will help you stay on track with your financial goals.\",[f]:\"6 Min Read\",[y]:null,[w]:\"M2s5y3M5D\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!0,[x]:!1,[T]:!1,[A]:!1,[S]:!1},{id:\"gFKjLkrQd\",[i]:\"How To Choose The Best Second Credit Card\",[s]:\"how-to-choose-the-best-second-credit-card\",[c]:\"November 22, 2023\",[l]:\"Credit Cards\",[h]:j({src:\"https://framerusercontent.com/images/VW9lBRF7Sk95eTrPT6Xrn4Yo0.jpg?scale-down-to=4096\",srcSet:\"https://framerusercontent.com/images/VW9lBRF7Sk95eTrPT6Xrn4Yo0.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/VW9lBRF7Sk95eTrPT6Xrn4Yo0.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/VW9lBRF7Sk95eTrPT6Xrn4Yo0.jpg?scale-down-to=2048 2048w, https://framerusercontent.com/images/VW9lBRF7Sk95eTrPT6Xrn4Yo0.jpg?scale-down-to=4096 4096w, https://framerusercontent.com/images/VW9lBRF7Sk95eTrPT6Xrn4Yo0.jpg 6109w\"},\"How To Choose The Best Second Credit Card\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"An essential financial tool, credit cards offer a world of convenience to their users. They can help build credit history, earn users cash back, miles, rewards, and protect one\u2019s purchases. However, choosing a credit card can be overwhelming, especially when trying to get your second credit card.\"}),/*#__PURE__*/t(\"p\",{children:[\"While some people are stuck paying off their \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-pay-off-10-000-credit-card-debt\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"credit card debt\"})}),\", others are looking to get a second card. It's important to choose right and pick a card that complements one\u2019s spending habits and financial goals. In this blog post, we\u2019ll share some insightful tips on how to choose the best second credit card for you.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Is Getting a Second Credit Card Right for You?\"}),/*#__PURE__*/e(\"p\",{children:\"The first question one might ask themselves is \u201Cwhy should I get a second card?\u201D Afterall, one card might be more than enough to manage. However, a second credit card can bring a plethora of benefits. Not only can it help improve your credit score, but it can also increase your purchasing power and allow you to earn great rewards.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"However, it's important to consider the added financial responsibility and risk that comes with a second card. Before making a decision, take the time to research and choose a card that will truly benefit you. Having a solid plan in place to manage both your accounts is just as important.\"})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"Things To Consider When Choosing The Best Second Credit Card\"}),/*#__PURE__*/t(\"p\",{children:[\"1. \",/*#__PURE__*/e(\"strong\",{children:\"Determine How You Want To Use The Card\"}),\": Prior to making any sort of financial decision, one should determine what their goals are. The same goes for when applying for a second credit card. Do you want this to be a credit card for everyday purchases, is it for travel, business expenses? These types of questions will help you weed out the important information for what features one should look for in a credit card.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"For example, if somebody is looking to travel often, a card with no annual feed and offers travel perks like airport lounge access and free checked bags could be ideal for them.\"}),/*#__PURE__*/t(\"p\",{children:[\"2. \",/*#__PURE__*/e(\"strong\",{children:\"Analyze Your Spending Habits\"}),\": Evaluating spending habits should be next on the list of things to consider when choosing a second credit card. Check and see what areas you tend to frequently spend on. Most credit cards offer rewards for specific spending categories so matching credit card categories to your spending habits could result in benefits.\"]}),/*#__PURE__*/t(\"p\",{children:[\"3. \",/*#__PURE__*/e(\"strong\",{children:\"Avoid Surprises, Check Credit Card Fees\"}),\": Most credit cards come with fees such as late payment fees, balance transfer fees, and cash advance fees. Others may have an annual fee as well. When looking to open up a second credit card, be sure to review all the fees for that card so you avoid any unpleasant surprises. Fees associated with credit cards can significantly affect your rewards or cash benefits, so make sure you take into consideration fees when deciding on a credit card.\"]}),/*#__PURE__*/t(\"p\",{children:[\"4. \",/*#__PURE__*/e(\"strong\",{children:\"Compare Interest Rates\"}),\": Based on the card issuer and other factors, credit card interest rates can range a lot. If you\u2019re somebody who carries a balance on your card, the interest rate will make a big difference for you. If this is somebody like yourself, look for cards that offer a low interest rate so you \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-save-money-fast-on-a-low-income\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"save money\"})}),\" over time.\"]}),/*#__PURE__*/t(\"p\",{children:[\"5. \",/*#__PURE__*/e(\"strong\",{children:\"Research Rewards Programs\"}),\": Credit card rewards programs can be game changers. Some offer benefits like cash back, points, travel points and even gift cards.\\xa0 While this may all seem good, it\u2019s necessary to see how rewards are earned and the redemption process. Some rewards cards will have minimum requirements to earn or redeem benefits, while others may offer bonus points if you meet a specific spending threshold.\"]}),/*#__PURE__*/t(\"p\",{children:[\"6. \",/*#__PURE__*/e(\"strong\",{children:\"Risks of Increased Debt\"}),\": While having additional purchasing power can be enticing, it's crucial to be responsible when it comes to \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"credit-card-debt-forgiveness-the-cold-hard-truths-you-need-to-know\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"jXoPoqV9c\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"managing your debt\"})}),'. As the saying goes, \"with great credit comes great responsibility.\" It\u2019s strongly advised against getting a second credit card solely for the purpose of increasing your spending power unless you have a solid plan in place to ensure you can handle the additional bills.']})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"Benefits of Getting a Second Credit Card\"}),/*#__PURE__*/e(\"h3\",{children:\"Maximize Your Rewards Potential\"}),/*#__PURE__*/e(\"p\",{children:\"If you're looking to earn bonus rewards on different categories of purchases, a second credit card tailored to your specific needs can be a great tool. For example, if your current card offers bonuses on travel and dining purchases but not on groceries, it could be ideal to get a second card that offers grocery bonuses.\"}),/*#__PURE__*/e(\"h3\",{children:\"Boost Your Credit Profile\"}),/*#__PURE__*/e(\"p\",{children:\"As mentioned earlier, obtaining a second credit card can boost your credit score and open up a new avenue to more rewards. If your first card has a limit of $5,000 and you usually spend about $2,000, your credit utilization ratio is 40%. Now if you decide to get a second credit card that also has a $5,000 limit and you spread that $2,000 across both cards, your new credit utilization ratio would be 20%. This number falls under the 30% maximum and can have a positive impact on your credit profile.\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"The Right Time For a Second Credit Card\"}),/*#__PURE__*/e(\"p\",{children:\"There is no real \u201Cright time\u201D to get a second credit card, it all depends on the person\u2019s personal needs and some circumstances. If you feel like you've outgrown your current credit card, it may be time to explore the options for a second card. Let\u2019s say you have a card with limited rewards, it may be time to get a card to start earning better rewards.\"}),/*#__PURE__*/e(\"h3\",{children:\"Your Credit Score Is High Enough\"}),/*#__PURE__*/e(\"p\",{children:\"A good credit score is essential for getting approved for a second credit card. If you\u2019ve been diligent about paying off your bills on time and managing your credit utilization, your score may be high enough to qualify for another card. A score of 700 or above is a good place to start.\"}),/*#__PURE__*/e(\"h3\",{children:\"A Big Expense In The Near Future\"}),/*#__PURE__*/e(\"p\",{children:\"If you\u2019re planning a big expense, such as a home down payment or a wedding, a second credit card can help you finance the cost and potentially earn rewards in the process. Cards with a 0% introductory APR or low interest rates are the best for this so you can minimize the amount of interest needed to pay on the balance. It\u2019s important to pay the balance off before the promotional period ends in order to avoid racking up interest charges.\"}),/*#__PURE__*/e(\"h3\",{children:\"Frequent Traveler\"}),/*#__PURE__*/e(\"p\",{children:\"For those who travel often, a travel rewards credit card could be a match made in heaven. These cards are notorious for their perks and benefits, from free hotel stays to airport lounge access. There are cards that offer generous sign-up bonuses, points or miles for travel purchases, and other travel-related perks like free checked bags or TSA PreCheck reimbursement.\"}),/*#__PURE__*/e(\"h2\",{children:\"Should You Get A Second Credit Card\"}),/*#__PURE__*/e(\"p\",{children:\"There are a wide variety of things to consider when choosing the best second credit card. By understanding one\u2019s goals and priorities, it will make it easier to find a card with the features that match their needs. Keep in mind to check interest rates, fees, rewards programs, and other features to find a card right for you.\"})]}),[g]:!0,[p]:\"Considering a second credit card? Don\u2019t go in blind. Learn how to choose the best one for you. Get all of the facts and advice you need to make an informed decision today!\",[f]:\"8 Min Read\",[y]:null,[w]:\"RGGU6aFJJ\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!0,[A]:!1,[S]:!1},{id:\"Dia1KBVOU\",[i]:\"Secured Vs Unsecured Credit Card: Understanding the Difference\",[s]:\"secured-vs-unsecured-credit-card-understanding-the-difference\",[c]:\"August 24, 2023\",[l]:\"Credit Cards\",[h]:j({src:\"https://framerusercontent.com/images/d4ay3DZEdr7P6cMjaBJ4Ddd5Ac.jpg?scale-down-to=4096\",srcSet:\"https://framerusercontent.com/images/d4ay3DZEdr7P6cMjaBJ4Ddd5Ac.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/d4ay3DZEdr7P6cMjaBJ4Ddd5Ac.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/d4ay3DZEdr7P6cMjaBJ4Ddd5Ac.jpg?scale-down-to=2048 2048w, https://framerusercontent.com/images/d4ay3DZEdr7P6cMjaBJ4Ddd5Ac.jpg?scale-down-to=4096 4096w, https://framerusercontent.com/images/d4ay3DZEdr7P6cMjaBJ4Ddd5Ac.jpg 6000w\"},\"secured vs unsecured credit card\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Credit cards have become an indispensable part of our lives as they offer convenience and flexibility in managing our finances. Whether it\u2019s for building credit, enjoying the rewards and benefits, or just for having a convenient payment option, credit cards are a must have.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"However, there are many different types of credit cards available, making it hard for people to choose the best one for them.\"}),/*#__PURE__*/t(\"p\",{children:[\"Two of the most talked-about types of credit cards are secured and unsecured credit cards. These distinct types of credit cards come with different features, benefits, and drawbacks. If it's going to be your first or even \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-choose-the-best-second-credit-card\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"gFKjLkrQd\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"second credit card\"})}),\", learn the differences between secured and unsecured credit cards.\\xa0\"]}),/*#__PURE__*/e(\"h2\",{children:\"What is An Unsecured Credit Card\"}),/*#__PURE__*/e(\"p\",{children:\"An unsecured credit card, on the other hand, doesn't require any collateral or deposit to be made before being used. Credit card lenders will look at your credit score, credit history, employment, and other financial factors to determine whether to approve your application or not.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Since there\u2019s no collateral, lenders will rely on your creditworthiness and income to determine your credit limit. Unsecured credit cards also don't require you to have savings upfront. But they are harder to get approved for, and if you miss a payment or default, it could harm your credit score\"}),/*#__PURE__*/e(\"h3\",{children:\"How Unsecured Credit Cards Work\"}),/*#__PURE__*/e(\"p\",{children:\"Unsecured credit cards offer more flexibility in terms of higher credit limits and lower interest rates (if you have a good credit score). When you go to apply for a credit card, your credit score will be ranked on a scale from excellent to poor.\"}),/*#__PURE__*/e(\"p\",{children:\"If you have an excellent credit rating, you\u2019ll most likely get easily approved for an unsecured credit card and enjoy a high credit limit. This is largely due to the fact that the lender trusts you to pay your bills on time.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"An unsecured credit card is ideal for those who have a good credit history and a strong financial background. Oftentimes when you think of a credit card, unsecured credit cards is what you\u2019re thinking about. If you have an average credit rating, unsecured credit cards may still be available and provide some benefits such as low interest rates and access to rewards programs.\"})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"What Is A Secured Credit Card?\"}),/*#__PURE__*/e(\"p\",{children:\"A secured credit card is a credit card that requires a cash deposit before you can use it. This deposit serves as collateral and is used to cover any defaults or missed payments you may have. Essentially, it\u2019s a security for the issuer in case you don\u2019t pay off your balance.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Secured credit cards are usually easier to get approved for because the deposit you make reduces the risk for the issuer. However, these types of cards usually come with higher interest rates, smaller credit limits and an annual fee.\"}),/*#__PURE__*/e(\"p\",{children:\"If you don\u2019t have any savings then a secured card isn\u2019t ideal because the credit limit is usually the same amount as your deposit. These cards are better if you\u2019re to build or improve your credit score.\"}),/*#__PURE__*/e(\"h3\",{children:\"How Secured Credit Cards Work\"}),/*#__PURE__*/e(\"p\",{children:\"The funds you deposit will determine the limit of your credit card. Let\u2019s say you want to have a $1,000 limit, then you would deposit $1,000. Most card issuers require a $200 minimum deposit but some can range all the way up to $2,500, depending on the card issuer.\"}),/*#__PURE__*/e(\"p\",{children:\"It may be possible to upgrade your credit card from a secured to an unsecured credit card straight from your account. However, it\u2019s not uncommon that you would have to close your secured credit card first before opening an unsecured card.\"})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"Secured Vs Unsecured Credit Card: Main Differences\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"When looking at a secured vs unsecured credit card, the main difference between the two is that a deposit is required for secured credit cards. There are other key differences between the two:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Approval Process\"}),\": Secured credit cards are much easier to get approved because the lender isn\u2019t taking any risks. Users are putting down money to be able to get that credit limit while unsecured credit cards require approval and can take time to get.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Fees\"}),\": Interest rates and fees are generally higher with secured credit cards compared to unsecured credit cards. Unsecured credit cards try attracting customers by offering no annual feeds.\\xa0\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Credit Building\"}),\": While both cards can help build your credit score, unsecured credit cards offer a better opportunity to establish and improve it. If you consistently make your payments on time, you can increase your credit limit which will enhance your credit utilization ratio, a factor in determining your credit score.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Rewards and Benefits\"}),\": Unsecured credit cards typically offer rewards and benefits like points for purchases that you make, cashback, and other things. These different perks are often tied to annual fees and excellent credit scores, so securing them can be challenging for those starting their credit journeys.\"]})})]}),/*#__PURE__*/e(\"h2\",{children:\"Building Your Credit With A Secured Vs Unsecured Credit Card\"}),/*#__PURE__*/e(\"p\",{children:\"If you\u2019re looking to build your credit score, the process is the same with a secured and unsecured credit card. People with either of these cards will report their activity to the three main credit bureaus (Experian, Equifax and Transunion).\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"These bureaus take the information about your credit payment history and balances and use it to determine your history of credit usage in your name. A tip would be to pay your bill in full and on time each month in order to build credit and keep your credit score the highest possible.\"}),/*#__PURE__*/e(\"h2\",{children:\"Which Type Of Card Should You Choose?\"}),/*#__PURE__*/e(\"p\",{children:\"The card that best fits you will depend on two things: your financial situation and credit score. If you don\u2019t have a credit history or if you have a poor credit score, a secured credit card would be best for you. By making timely payments, you can improve your credit score and eventually qualify for an unsecured credit card.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"If you have a good credit score and can show proof of income, consider applying for an unsecured credit card. Being able to increase your credit will make it easier for you to get approved to purchase bigger things in the future.\"}),/*#__PURE__*/t(\"p\",{children:[\"Before choosing any credit card, make sure you do proper research and read the terms and conditions carefully. Compare different offers and explore the associated fees and charges. Also, it\u2019s important to use the credit card wisely and pay it off in full every month. If not, you could fall into bigtime \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-pay-off-10-000-credit-card-debt\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"credit card debt\"})}),\" and might need to fall back onto a \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/credit-card-debt-forgiveness-the-cold-hard-truths-you-need-to-know\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"debt forgiveness plan\"})}),\". Many people think that credit card debt is unavoidable but that\u2019s just a \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/common-myths-about-money-and-how-to-avoid-them\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"common myth about money\"})}),\".\"]})]}),[g]:!0,[p]:\"Confused about secured and unsecured credit cards? Get all your questions answered so you can make a more informed decision for your financial future!\",[f]:\"4 Min Read\",[y]:null,[w]:\"RGGU6aFJJ\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!0,[A]:!1,[S]:!1},{id:\"b2tkdy1rk\",[i]:\"Buying a Car With No Down Payment\",[s]:\"buying-a-car-with-no-down-payment\",[c]:\"August 20, 2023\",[l]:\"Personal Loans\",[h]:j({src:\"https://framerusercontent.com/images/BheSTepw4MRjL9PHlWVnZLUmDA.jpg\",srcSet:\"https://framerusercontent.com/images/BheSTepw4MRjL9PHlWVnZLUmDA.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/BheSTepw4MRjL9PHlWVnZLUmDA.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/BheSTepw4MRjL9PHlWVnZLUmDA.jpg 1600w\"},\"Buying A Car With No Down Payment\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Buying a car is a major decision, and it can be financially burdensome, especially if you don't have the cash for a down payment. An option that could work for you is going for a car loan, or with the right credentials, you might even be able to buy a car without having to put any money down.\"}),/*#__PURE__*/e(\"p\",{children:\"In this blog post, we will explore the different options for buying a car with no down payment, the pros and cons of this and how you can make the best decision that fits your budget.\"}),/*#__PURE__*/e(\"h2\",{children:\"What is A Down Payment?\"}),/*#__PURE__*/e(\"p\",{children:\"Let\u2019s start with the basics. A down payment is a sum of money that a buyer puts up front when purchasing a car. In most cases, lenders will require at least 10% of the vehicle\u2019s price as the down payment.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"By putting a down payment, you will pay a lower monthly payment, have a shorter loan term, and wind up paying less overall interest. If you have extra money, it\u2019s smart to put more money towards a down payment this way you\u2019ll pay less each month.\"})]}),[u]:/*#__PURE__*/e(r.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"However, if you don't have the cash for a down payment, then financing a car with no down payment could be an option.\\xa0\"})}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"Options for Buying a Car with No Down Payment\"}),/*#__PURE__*/e(\"p\",{children:\"If you consistently make your car payments on-time and have excellent credit history, you may be able to avoid making a down payment on a new car purchase.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"On the other hand, you will likely face pressure to make a down payment if your credit score is low or if you have spotty payment history.\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{}),\"If you're short on cash, you can consider these strategies:\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Postpone the Purchase\"}),\": This might be the most logical option to buy a car while putting no money down. Postponing your car purchase will allow you more time to \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-save-money-fast-on-a-low-income\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"save money\"})}),\" for a down payment and/or to improve your credit score.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Secure a Co-Signer\"}),\": If someone with good credit can co-sign for you, their strong credit profile may help you acquire a no down payment deal with a reduced \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/apy-vs-interest-rate-breaking-down-the-difference\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"interest rate\"})}),\". In doing so, the co-signer takes responsibility for making missed payments or repaying the loans if you can\u2019t.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Consider Using a Credit Card\"}),\": Some dealers accept credit cards for down payments. This isn\u2019t the most economical method due to potential extra fees and adding to \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-pay-off-10-000-credit-card-debt\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"credit card debt\"})}),\", but it might be a viable option in specific scenarios.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Leverage Your Trade-In\"}),\": If you already have a car and plan to upgrade, you can trade your car in. The amount of money your car is worth can be part of, or the entire down payment. It\u2019s important to consult different places to ensure you\u2019re getting the best deal or by selling directly to potential buyers for a higher value.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Choose A Cheaper Car\"}),\": Another way to eliminate or reduce the need for a down payment is to pick a less expensive car to get. Doing so can help minimize the loan amount you\u2019ll need to pay. When you take all the costs involved with purchasing a car like registration, sales tax fees, \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/tips-on-how-to-lower-your-car-insurance\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"car insurance\"})}),\" and title fees, a cheaper car might eliminate the down payment need.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Benefits Of Buying A Car With No Down Payment\"}),/*#__PURE__*/t(\"p\",{children:[\"The main benefit of buying a car with no down payment is obvious: you don\u2019t need to save up tons of money to get behind the wheel of the vehicle you want or need. This is especially helpful if you just graduated from college and are starting your career, have a limited \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/personal-budgets-what-they-are-and-why-you-need-one\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"personal budget\"})}),\", or are dealing with extra expenses.\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[\"Another benefit of no-down-payment car financing is that it allows you to keep your savings and invest them elsewhere, such as in a \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/what-a-high-yield-savings-accounts-is-and-how-it-works\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"high-yielding savings account\"})}),\" or a \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-start-investing-in-stocks\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"stock portfolio\"})}),\". However, by not making a down payment, you\u2019ll likely have to pay more in interest and monthly payments, which can add up over time.\"]}),/*#__PURE__*/e(\"img\",{alt:\"Benefits Of Buying A Car With No Down Payment\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,PtxZiBmln3lgUV9MQlUZXmy2NU.jpg\",\"data-framer-height\":\"3853\",\"data-framer-width\":\"5719\",height:\"1926\",src:\"https://framerusercontent.com/images/PtxZiBmln3lgUV9MQlUZXmy2NU.jpg?scale-down-to=4096\",style:{aspectRatio:\"5719 / 3853\"},width:\"2859\"}),/*#__PURE__*/e(\"h2\",{children:\"What Is The Risk of Buying a Car with No Down Payment?\"}),/*#__PURE__*/e(\"p\",{children:\"While zero down payment offers immediate savings, it might cost you more over time. Financing a larger amount influences the term of your loan, including its loan-to-value ratio (LTV) - a key determinant for interest rates. A higher LTV, resulting from borrowing close to or exceeding the car's value, will often come with a higher interest rate due to increased risk for the lender.\"}),/*#__PURE__*/e(\"p\",{children:'Another risk is that not paying any money down when purchasing a car can increase your monthly payments. In order to manage this, most people opt in for extended loan terms, sometimes as long as 6+ years. This elevates the risk of ending up \"upside-down\" on the loan\u2014owing more than the car\\'s depreciating value. Being in this situation might can pose difficulties should you wish to sell or trade in later.'}),/*#__PURE__*/e(\"h3\",{children:\"Consider Putting as Much Money Down on a Car as you Can\"}),/*#__PURE__*/e(\"p\",{children:\"Regardless of the percentage, putting any sort of money down will help with payments. If you can't put down 15-25%, consider putting down 10%. For example, a 60- month, $40,000 new car loan with an interest rate of 7.5% and no down payment will result in a monthly payment of $801.59. If you were to put 10% down ($4,000), this would reduce the monthly payment to $721.43.\"}),/*#__PURE__*/e(\"p\",{children:\"Paying more upfront can lead to lower interest rates, decreased total interest, and a higher likelihood of loan approval. If your finances allow for it over time, you can put extra money towards your monthly payments which will expedite the loan payoff and prevent negative equity in your car.\"})]}),[g]:!0,[p]:\"Don't have enough money saved up for a down payment? Find out how you can purchase your dream car without having to put any money down!\",[f]:\"5 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!0,[A]:!1,[S]:!1},{id:\"FKEpUEzkO\",[i]:\"APY vs Interest Rate: Breaking Down the Difference\",[s]:\"apy-vs-interest-rate-breaking-down-the-difference\",[c]:\"August 17, 2023\",[l]:\"Personal Loans\",[h]:j({src:\"https://framerusercontent.com/images/hXzLSoxPvLdMIdBsi7AQ8j8lyQ.jpg?scale-down-to=4096\",srcSet:\"https://framerusercontent.com/images/hXzLSoxPvLdMIdBsi7AQ8j8lyQ.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/hXzLSoxPvLdMIdBsi7AQ8j8lyQ.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/hXzLSoxPvLdMIdBsi7AQ8j8lyQ.jpg?scale-down-to=2048 2048w, https://framerusercontent.com/images/hXzLSoxPvLdMIdBsi7AQ8j8lyQ.jpg?scale-down-to=4096 4096w, https://framerusercontent.com/images/hXzLSoxPvLdMIdBsi7AQ8j8lyQ.jpg 4500w\"},\"APY vs Interest Rate\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"Terms like \u201CInterest Rate\u201D and \u201CAnnual Percentage Yield (APY)\\\" come up quite often in the world of finance. Whether you're looking to open a new \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/what-a-high-yield-savings-accounts-is-and-how-it-works\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"high yield savings account\"})}),\", invest in a \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/are-cds-worth-it\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Certificate of Deposit\"})}),\", or even take out a loan, understanding the nuances between these two can mean the difference between earning more on your investments or paying less on your borrowings. Read on to learn the differences between APY and Interest Rates to help you make informed decisions for future investments.\"]}),/*#__PURE__*/e(\"h2\",{children:\"What Is An Interest Rate And How Does It Work?\"}),/*#__PURE__*/e(\"p\",{children:\"An Interest Rate is the percentage of the initial amount of money deposited that a financial institution pays to its depositors. When one is borrowing money, the interest rate is the percentage of how much a lender charges for using their money. In other words, it\u2019s the cost of borrowing or the reward for saving.\"})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"If you have a savings account or Certificates of Deposit (\",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/cds-vs-money-market-accounts-decoding-the-savings-options\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"CDs\"})}),\") at a bank, the interest rate indicates the return on investment (ROI) you can expect over time. Let\u2019s say you deposited $10,000 into a savings account that had a 4.20% interest rate. After one year, the amount of interest you would earn would be $420 ($10,000 x 4.20% = $420).\"]}),/*#__PURE__*/e(\"p\",{children:\"On the other hand, when taking out a loan, the interest rate determines the cost for the money you\u2019re borrowing. If we look at the numbers from above, if you had to pay 4.20% on $10,000 of what you borrowed, you would have to pay $420 in interest. While this rate can be affected by various external factors, it serves as the foundational element for more complex financial metrics, such as the Annual Percentage Yield (APY) or the Annual Percentage Rate (APR).\"}),/*#__PURE__*/e(\"img\",{alt:\"What Is An Interest Rate\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,E7qFNPkddGgU6gScNmSOCs3e91Y.jpg\",\"data-framer-height\":\"5462\",\"data-framer-width\":\"8192\",height:\"2731\",src:\"https://framerusercontent.com/images/E7qFNPkddGgU6gScNmSOCs3e91Y.jpg?scale-down-to=4096\",style:{aspectRatio:\"8192 / 5462\"},width:\"4096\"}),/*#__PURE__*/e(\"h2\",{children:\"What Is APY And How It Works\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Annual Percentage Yield (APY) is the rate of return earned on an investment or savings account over a specified period, usually a year, including compounding interest. When compared to the basic interest rate, APYs provide a much clearer picture of your potential earnings or costs.\"})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Since APY factors in the frequency of compounding interest, it offers a more accurate measure of the total yield over a year. In simpler terms, it reveals how often interest is added to the principal(the amount of money in the account at that given time).\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"For instance, in a savings account or CD, the APY indicates the actual percentage you'd earn or receive annually, taking into account the compounding frequency, whether it\u2019s monthly, quarterly, or daily. The more frequent that your interest compounds, the higher your APY will be.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"If your $10,000 deposit from the prior example earned a 4.20% APY on a 2 year term and compounded monthly, your final balance in the account after 2 years would be $10,857.64. The total amount of money that you would\u2019ve earned would be $857.64. Year 1= ($10,000 x 4.20% = $420) \\xa0 Year 2= ($10,420 x 4.20% = $437.64) Total earnings = $857.64\"}),/*#__PURE__*/e(\"p\",{children:\"Always remember, a higher APY in savings means more earnings, making it an essential metric to consider for optimizing financial gains.\"}),/*#__PURE__*/e(\"img\",{alt:\"What Is APY\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,W2YoEa87bouAlACZI6AeBw444.jpg\",\"data-framer-height\":\"2624\",\"data-framer-width\":\"3936\",height:\"1312\",src:\"https://framerusercontent.com/images/W2YoEa87bouAlACZI6AeBw444.jpg\",style:{aspectRatio:\"3936 / 2624\"},width:\"1968\"}),/*#__PURE__*/e(\"h2\",{children:\"Simple Vs Compound Interest\"}),/*#__PURE__*/e(\"p\",{children:\"Now that you have a better understanding of interest rate vs APY, it\u2019s good to know how compound interest differs from simple interest. The latter is the amount of interest earned off of only the principal. Compound interest takes into consideration the interest earned on the principal as well as any accumulated interest. With compound interest, the longer the money remains in that account, the more interest you\u2019ll earn each year.\\xa0\"}),/*#__PURE__*/e(\"img\",{alt:\"Simple Vs Compound Interest\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,Ss0tw8K4GTQvblHrer1CGhV29vw.jpg\",\"data-framer-height\":\"3283\",\"data-framer-width\":\"4925\",height:\"1641\",src:\"https://framerusercontent.com/images/Ss0tw8K4GTQvblHrer1CGhV29vw.jpg?scale-down-to=4096\",style:{aspectRatio:\"4925 / 3283\"},width:\"2462\"}),/*#__PURE__*/e(\"h2\",{children:\"Breaking It Down\"}),/*#__PURE__*/e(\"p\",{children:\"At a glance, interest rate and APY might seem interchangeable, but they serve unique roles. In essence, while the interest rate sets the stage, APY plays out the entire performance, offering a full view of the financial implications.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"When looking at the two examples from before, a $10,000 deposit in a savings account that pays 4.20% interest rate would earn $840 after 2 years. The same amount of money earned $857.64 in an account with a 4.20% APY and was compounded monthly.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Being able to distinguish between APY vs Interest Rates will ensure more accurate and informed decision-making in banking and investment scenarios.\"}),/*#__PURE__*/e(\"img\",{alt:\"Breaking Down APY vs Interest Rate\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,vVTWvroF84bVedpXJVGoOQyHQbk.jpg\",\"data-framer-height\":\"3744\",\"data-framer-width\":\"5616\",height:\"1872\",src:\"https://framerusercontent.com/images/vVTWvroF84bVedpXJVGoOQyHQbk.jpg?scale-down-to=4096\",style:{aspectRatio:\"5616 / 3744\"},width:\"2808\"}),/*#__PURE__*/e(\"h2\",{children:\"Make More Informed Decisions: Interest Rate vs APY\"}),/*#__PURE__*/e(\"p\",{children:\"Now that you know the difference between APV vs Interest Rate, take a look at your savings to make sure you\u2019re maximizing your ROI. APY\u2019s help you better gauge your return on investment because they provide a more comprehensive view on your money. With that being said, it\u2019s better to know APY when it comes to savings accounts.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"And if you're considering loans, don't just glance at the interest rate \u2013 delve into the APY to understand the real borrowing cost. Remember, in the world of banking and finance, a well-informed decision can mean the difference between fruitful gains and avoidable losses.\"})]}),[g]:!0,[p]:\"Are you trying to understand the difference between an APY and an interest rate? Learn what each of these terms means and how they affect your financial planning!\",[f]:\"4 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!0,[A]:!1,[S]:!1},{id:\"ym_RfluLB\",[i]:\"Paye vs Repaye: What's The Better Payment Option For Your Student Loans\",[s]:\"paye-vs-repaye-what-s-the-better-payment-option-for-your-student-loans\",[c]:\"August 10, 2023\",[l]:\"Personal Loans\",[h]:j({src:\"https://framerusercontent.com/images/wfgFmPK06ppUMCgpcYcMy5hJKQ.jpg\",srcSet:\"https://framerusercontent.com/images/wfgFmPK06ppUMCgpcYcMy5hJKQ.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/wfgFmPK06ppUMCgpcYcMy5hJKQ.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/wfgFmPK06ppUMCgpcYcMy5hJKQ.jpg 2048w\"},\"paye vs repaye\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"A college education can open many doors, but it can also come with a hefty price tag. Many graduates are left with a significant amount of debt that can take years to pay off. In order to \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/ways-to-prepare-for-student-loan-payments\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"prepare for student loan payments\"})}),\", it\u2019s important to fully understand all of the repayment options.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"Two of the more popular student loan repayment plans are Pay As You Earn (PAYE) and Revised Pay As You Earn (REPAYE). We\u2019re going to explore how they are similar, what their differences are, and which might be best for you based on your needs. Continue reading to learn more about PAYE vs REPAYE.\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"What is PAYE?\"}),/*#__PURE__*/e(\"p\",{children:\"PAYE was introduced by the government in 2012 to give students an affordable way to repay their loans. This federal student loan is based on family size and income, capping your monthly payments at 10% of your discretionary income. In doing so, you can save a decent amount of money each month. Under PAYE, payments are calculated based on the amount of your federal student loans and income. If you make $3,000 per month, the max you\u2019d wind up paying is $300/month.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"In order to qualify for this repayment option, you\u2019ll have to demonstrate partial financial hardship, meaning the monthly payment must be less than what you would pay under the Standard repayment plan. You\u2019ll also have to have borrowed loans after October of 2007 and have federal Direct Loans. PAYE also offers loan forgiveness after 20 years of consistent payments, but the forgiven amount is considered taxable income. Lastly, PAYE is only available for Direct loans.\"}),/*#__PURE__*/e(\"img\",{alt:\"what is paye\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,y4PGFO2Sh3iGOIaGyRm0mo0qOA.jpg\",\"data-framer-height\":\"5205\",\"data-framer-width\":\"7804\",height:\"2602\",src:\"https://framerusercontent.com/images/y4PGFO2Sh3iGOIaGyRm0mo0qOA.jpg?scale-down-to=4096\",style:{aspectRatio:\"7804 / 5205\"},width:\"3902\"})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"What is REPAYE?\"}),/*#__PURE__*/e(\"p\",{children:\"REPAYE is a newer version of PAYE and was introduced in 2015. Just like PAYE, the payment amount is based on your family size and income as well. This federal student loan repayment plan also caps your monthly payments at 10% of your discretionary income.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"However, unlike PAYE, REPAYE is available to all federal borrowers since there are no limits, regardless of when they took out their loan. Under the REPAYE payment plan, loan forgiveness comes after 25 years of consistent payments, but the forgiven amount is considered taxable income.\"})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"Similarities and Differences between REPAYE vs PAYE Plans:\"}),/*#__PURE__*/e(\"h3\",{children:\"Similarities between PAYE and REPAYE:\"}),/*#__PURE__*/e(\"p\",{children:\"Both PAYE and REPAYE repayment plans have a handful of similarities. The first way these plans are similar is that they both cap monthly payments at 10% of discretionary income. No matter how much money you make, you\u2019ll only have to pay 10% of your income. Another way that PAYE and REPAYE are similar is that both plans will factor in your spouse\u2019s income and loans if you are married and will file taxes jointly. If for some reason you want to go ahead and pay off your loans early, you can do so without getting charged any additional fees or being penalized.\"}),/*#__PURE__*/e(\"h3\",{children:\"Differences between REPAYE vs PAYE Plans:\"}),/*#__PURE__*/e(\"p\",{children:\"One of the main differences between PAYE and REPAYE is that PAYE requires you to fall under a certain income threshold, while REPAYE doesn't. You need to be financially struggling a little bit to qualify for PAYE repayment plans. Another difference between the two is that REPAYE taxable income forgiveness is due after 25 years, while for PAYE it's due after 20 years.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"When it comes to being married and filing taxes with your spouse, PAYE will only consider your spouse\u2019s income and loans if you file alternative paperwork for it. REPAYE, on the other hand, always factors them in. The last difference between the two repayment plans is that REPAYE offers interest subsidies for both subsidized and unsubsidized loans, while PAYE only offers them for subsidized loans.\"}),/*#__PURE__*/e(\"img\",{alt:\"Similarities and Differences between REPAYE vs PAYE Plans\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,XLEIUG17czdrI2JNeBVsYMI3A.jpg\",\"data-framer-height\":\"1467\",\"data-framer-width\":\"2201\",height:\"733\",src:\"https://framerusercontent.com/images/XLEIUG17czdrI2JNeBVsYMI3A.jpg\",style:{aspectRatio:\"2201 / 1467\"},width:\"1100\"}),/*#__PURE__*/e(\"h2\",{children:\"Pros and Cons of PAYE:\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"PAYE Pros\"}),\":\"]}),/*#__PURE__*/e(\"p\",{children:\"- You pay less each month because it requires partial financial hardship\"}),/*#__PURE__*/e(\"p\",{children:\"- You can receive loan forgiveness after 20 years of consistent payments.\"}),/*#__PURE__*/e(\"p\",{children:\"- PAYE plans offer interest subsidies for subsidized loans.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"PAYE Cons\"}),\":\"]}),/*#__PURE__*/e(\"p\",{children:\"- It\u2019s only available for Direct loans.\"}),/*#__PURE__*/e(\"p\",{children:\"- You need to have a certain financial hardship in order to qualify.\"}),/*#__PURE__*/e(\"p\",{children:\"- You can get taxed on the total amount of money that is forgiven if you make the 20 years of consistent payments.\"}),/*#__PURE__*/e(\"h2\",{children:\"Advantages and Disadvantages of REPAYE\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"REPAYE Advantages:\"})}),/*#__PURE__*/e(\"p\",{children:\"- Any Direct loan borrower can get access to REPAYE, regardless of eligibility criteria.\"}),/*#__PURE__*/e(\"p\",{children:\"- It offers loan forgiveness after 25 years of consistent payments.\"}),/*#__PURE__*/e(\"p\",{children:\"- It offers interest subsidies for both subsidized and unsubsidized loans.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"REPAYE Disadvantages:\"})}),/*#__PURE__*/e(\"p\",{children:\"- You\u2019re required to make payments for five more years than PAYE before forgiveness is allowed on your loans\"}),/*#__PURE__*/e(\"p\",{children:\"- Both subsidized and unsubsidized loans accrue interest subsidies, which means more interest capitalization.\"}),/*#__PURE__*/e(\"h2\",{children:\"What\u2019s The Better Payment Option To Go With?\"}),/*#__PURE__*/e(\"p\",{children:\"Choosing between the two repayment options really depends on your personal financial situation. If you\u2019re under some hard financial circumstances and qualify for PAYE, you\u2019ll only have to pay a max of 10% of your income. However, if you don\u2019t qualify for this payment option, you can still consider REPAYE since there isn\u2019t any specific criteria needed to qualify. Both PAYE and REPAYE offer loan forgiveness after 20 or 25 years of repayment which means that if you can\u2019t afford to make payments for a long time, there\u2019s a good chance that you\u2019ll be eligible for loan forgiveness.\"}),/*#__PURE__*/e(\"img\",{alt:\"What\u2019s The Better Payment Option To Go With?\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,IMjMu1yblpv5u2d635GJ4j9QyEY.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/IMjMu1yblpv5u2d635GJ4j9QyEY.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"}),/*#__PURE__*/e(\"h2\",{children:\"Conclusion:\"}),/*#__PURE__*/t(\"p\",{children:[\"Paying off your student loans can be a long and challenging process. However, by being aware of your options, you can make the process smoother and more manageable. Understanding the difference between PAYE and REPAYE is essential when determining which plan works best for your financial situation. Remember that both plans can offer loan forgiveness after 20-25 years, which is especially important if you are experiencing financial hardship. Take some time to research and learn about your options, \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/personal-budgets-what-they-are-and-why-you-need-one\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"create a budget\"})}),\", and make consistent payments. By doing so, you can take control of your student loan repayment process and one day be debt-free.\"]})]}),[g]:!0,[p]:\"Are you considering PAYE or REPAYE to tackle your student loan debt? Find out which option is right for you and how Hiatus can help you stay on track!\",[f]:\"4 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"nCy3cOMxA\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!0,[A]:!1,[S]:!1},{id:\"Bdixgy1mK\",[i]:\"I Need Money Now: 15 Quick Ways to Get Money Fast\",[s]:\"i-need-money-now-quick-ways-to-get-money-fast\",[c]:\"July 29, 2023\",[l]:\"Hiatus Guides\",[h]:j({src:\"https://framerusercontent.com/images/BQMaFCZDML4ThBJjtBIp6za8IU.jpg?scale-down-to=4096\",srcSet:\"https://framerusercontent.com/images/BQMaFCZDML4ThBJjtBIp6za8IU.jpg?scale-down-to=1024 819w, https://framerusercontent.com/images/BQMaFCZDML4ThBJjtBIp6za8IU.jpg?scale-down-to=2048 1638w, https://framerusercontent.com/images/BQMaFCZDML4ThBJjtBIp6za8IU.jpg?scale-down-to=4096 3276w, https://framerusercontent.com/images/BQMaFCZDML4ThBJjtBIp6za8IU.jpg 4953w\"},\"i need money now\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"If you\u2019ve caught yourself saying to yourself \u201CI need money now\u201D, you\u2019re not alone. Maybe it\u2019s because you\u2019re not going to get paid for a while or because you had to make a large purchase, your \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/choosing-the-right-bank-for-you\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"bank\"})}),\" account is most likely feeling the effects. Whatever the reason is, you\u2019re probably wondering how you can make some cash quickly.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"While you might not know where to start, just know there are plenty of options out there. Even though some solutions might take longer than others, they\u2019ll all help you get money now. Keep reading if you want to learn some quick ways that you get money fast.\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"1. Sell Things You No Longer Need\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"There\u2019s a good chance that your house is filled with things that you no longer need anymore. One of the quickest ways to get money fast is to declutter your house and sell the things you no longer need. From old cell phones to furniture and clothes, you can set up a garage sale or sell these extra things on online marketplaces. The best way to go about this is to make a list of what you're willing to get rid of and set prices that reflect their condition and market value.\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"2. Maximize Your Savings\"}),/*#__PURE__*/t(\"p\",{children:[\"Taking advantage of the money you already have in your financial accounts is a great way to \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/steps-to-improve-your-finances-this-year\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"improve your finances\"})}),\". Instead of leaving it in a traditional savings account, you can grow your money quicker by putting it in a \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/what-a-high-yield-savings-accounts-is-and-how-it-works\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"high yield savings account\"})}),\". The \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"apy-vs-interest-rate-breaking-down-the-difference\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"FKEpUEzkO\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"interest rates will be higher\"})}),\" and help you make more off the same amount of money.\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[\"While high yield accounts are a popular choice, there are a variety of financial vehicles to increase your money. Some \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/alternatives-to-high-yield-savings-accounts-their-benefits\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"alternatives to savings accounts\"})}),\" are \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/are-cds-worth-it\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"CDs\"})}),\", \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/cds-vs-money-market-accounts-decoding-the-savings-options\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"money market accounts\"})}),\", and investment accounts. Whatever path you choose, you\u2019ll be able to get a better return on investment (ROI) instead of leaving it in a traditional bank account where interests may be minimal.\"]})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"3. Negotiate Your Monthly Bills\"}),/*#__PURE__*/t(\"p\",{children:[\"Most people don\u2019t know this but there\u2019s a good chance you\u2019re overpaying on your monthly bills. A quick and easy way to put money back into your pockets is to change your service providers like your internet, cell phone, or even \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/tips-on-how-to-lower-your-car-insurance\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"car insurance\"})}),\". Most times, people find the best deal for their current providers but don\u2019t know that over time better deals become available. An app like \",/*#__PURE__*/e(n,{href:\"https://hiatus.app/?utm_source=hiatus_blog&utm_medium=organic&utm_campaign=i_need_money_now_quick_ways_to_get_money_fast\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Hiatus will help negotiate your bills\"})}),\" on your behalf so you can get cheaper rates without talking to anyone.\\xa0\"]}),/*#__PURE__*/e(\"h2\",{children:\"4. Do Jobs For People In Your Community\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"You might be able to take advantage of some of your skills if you're handy or have skills that can be of use to those in your community. Things from yard work, to home repairs and even painting could be some of the tasks that people in your neighborhood might need help with. Promote yourself in local bulletin boards or on online platforms like Thumbtack to get your name out there and connect with people who need a hand.\"}),/*#__PURE__*/e(\"h2\",{children:\"5. Cancel Unwanted Subscriptions\"}),/*#__PURE__*/t(\"p\",{children:[\"One thing that drains our wallets and something we tend to forget about is subscription services. How many times do you download an app for its free trial and then forget to cancel them before it expires? It can be really easy to spend money on things that you forgot about. \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"budgeting-tips-to-help-you-stay-on-track-financially\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"w5PkT1NTj\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Staying on top of your monthly expenses\"})}),\" and canceling things you don\u2019t need or forget about can help you save money fast.\\xa0 Financial apps like \",/*#__PURE__*/e(n,{href:\"https://hiatus.app/?utm_source=hiatus_blog&utm_medium=organic&utm_campaign=i_need_money_now_quick_ways_to_get_money_fast\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Hiatus can help you track all your subscriptions\"})}),\" in its dashboard and cancel the ones you no longer want.\"]})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"6. Participate In Online Surveys\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"Another quick and easy way to make money is to take online surveys. Believe it or not, there are many companies that pay people to take their surveys. \",/*#__PURE__*/e(n,{href:\"https://www.surveyjunkie.com/lp36?a=7038&s1=&rid=307638194&s3=&utm_source=7038&utm_medium=affiliate&utm_campaign=24797&utm_term=&utm_content=&utm_source_platform=cake&utm_creative_format=1&utm_marketing_tactic=prospecting\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Survey Junkie\"})}),\" is one of those companies to partake in these online surveys. They do so in order to gather data on consumer habits and preferences. Taking the surveys won\u2019t make you a fortune but it\u2019s a quick survey and getting a few bucks for a few minutes isn\u2019t such a bad gig. If you go this route, make sure that you\u2019re signing up for reputable survey sites and not any scams.\\xa0\"]}),/*#__PURE__*/e(\"h2\",{children:\"7. Rent Out Your Extra Space\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"If you have a spare room or two in your house, a garage, or even a driveway, you can rent that space out to people who need it and bring in some cash. Platforms like Airbnb, VRBO, or JustPark are great places to list whatever it is you\u2019re looking to rent and connect with potential renters. It\u2019s essential that you read the terms and conditions carefully, and be a responsible host who provides a clean, safe, and welcoming environment for your guests.\"}),/*#__PURE__*/e(\"h2\",{children:\"8. Sell Your Skills On Freelance Websites\"}),/*#__PURE__*/t(\"p\",{children:[\"Thinking to yourself, \u201CI need money now!?\u201D An easy way to put your skills to use is to take advantage of freelancing websites like Upwork, \",/*#__PURE__*/e(n,{href:\"https://www.fiverr.com/\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Fiverr\"})}),\", or Freelancer. Freelancing is one of those \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/side-hustles-that-can-earn-you-money\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"side hustles\"})}),\" that can get you money fast. These platforms have many job openings for a wide variety of skills including writing, programming, graphic design, and even acting. Freelancing is great because you get to set your own rates and work on your schedule as long as you meet the deadlines and deliver good quality work.\"]}),/*#__PURE__*/e(\"h2\",{children:\"9. Drive For Ride-Sharing Services\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Have a valid driver\u2019s license and a car? If so, why not make money by driving for a ride-sharing service like Uber or Lyft. Driving for one of these companies is a great way to make some extra cash because you get to set your own hours. Living in a busy area with high demand for this service can become a great second source of income. In order to get approved you\u2019ll need to pass a background check and meet some other requirements, but you can get on the road and start earning once you\u2019re approved.\"}),/*#__PURE__*/e(\"h2\",{children:\"10. Affiliate Marketing\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"If you\u2019re a content creator, then affiliate marketing is a \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-make-10k-a-month\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"hfF4znXYE\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"great way to make $10k a month\"})}),\". All you need to do is promote somebody else\u2019s service or product and get paid a commission on the sales you generate. Different channels that you can promote affiliates on are your Youtube channel, a blog, and a social media page. A best practice for affiliate marketing would be to choose products that align best with your audience\u2019s interests and needs to increase the chances of them taking action. Obviously the bigger your audience, the more potential you\u2019ll have to earn more from affiliate marketing.\\xa0\\xa0\\xa0\"]}),/*#__PURE__*/e(\"h2\",{children:\"11. Participate In Paid Focus Groups\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Just like online surveys, you can get money fast for sharing your opinions by participating in paid focus groups. Most times, market research companies will pay you to gather feedback on new products or ideas they have. It might not be as easy as an online survey because you\u2019ll need to qualify based on your interests and demographics, however payouts could range from $50-$200 sometimes more for just a few hours of your time.\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"12. Take Advantage Of Referral Incentives\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Companies tend to offer incentives in order to acquire new customers. Whether it be sign-up bonuses or incentives for referring people to use their products, many companies are willing to give you some money for bringing them customers. For example, you could get a $500 bonus for opening a new bank account with a particular financial institution. Or if you refer a family member or friend to use a certain app like Uber, you could receive $20 credit. These opportunities are easy ways to get money quickly that you can greatly benefit from.\"}),/*#__PURE__*/e(\"h2\",{children:\"13. Tutor students online\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Another way to get money fast is to tutor students online. You can take advantage of your degree or even expertise in different subjects or even languages by tutoring foreign students who want to learn English. Great platforms to use are TutorMe, Chegg, or Skooli for tutoring students. An advantage of tutoring is that you can choose your hours and make a pretty decent hourly rate as well.\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"14. Get a Loan From Your Retirement Account\"}),/*#__PURE__*/t(\"p\",{children:[\"While this might not be the best long term solution, getting a loan from your retirement account can be a quick fix if you need money now. Accounts such as \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/401-k-vs-roth-ira-vs-traditional-roth\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"401ks and individual retirement accounts\"})}),\" will allow you money out from your retirement funds. Most accounts require that you pay back one loan before you take out another. The \u201Cdownside\u201D is that you\u2019ll have to pay this loan back with interest. If you don\u2019t, that loan can be seen as taxable income and you could wind up paying taxes on that.\\xa0\"]}),/*#__PURE__*/e(\"h2\",{children:\"15. Babysit\"}),/*#__PURE__*/e(\"p\",{children:'Do you have any close family friends or locals in the area with young children? There\u2019s a good chance they could be looking for a babysitter on weekends or weeknights.\\xa0 If you\\'re thinking \"I need money now\", babysitting is one of the quickest ways to make money. The best part is that if you need to babysit at night time, once the kids go to sleep, you could take advantage of the down time and look to make money doing something else!'})]}),[g]:!0,[p]:\"Feeling the squeeze and need some extra cash? Check out these 15 quick ways to get money fast that you can do right now.\",[f]:\"7 Min Read\",[y]:/*#__PURE__*/e(r.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"This blog post may contain affiliate links, which means that Hiatus may receive compensation when you click on a link and take action at no additional cost to you.\"})}),[w]:\"M2s5y3M5D\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!0,[x]:!1,[T]:!1,[A]:!1,[S]:!1},{id:\"n5cJQrMEK\",[i]:\"Index Funds vs Mutual Funds vs ETFs: Your Guide To Investing\",[s]:\"index-funds-vs-mutual-funds-vs-etfs\",[c]:\"July 24, 2023\",[l]:\"Investing\",[h]:j({src:\"https://framerusercontent.com/images/OnP0h1NwPp0icgjjJC5CWI78QY.jpg?scale-down-to=4096\",srcSet:\"https://framerusercontent.com/images/OnP0h1NwPp0icgjjJC5CWI78QY.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/OnP0h1NwPp0icgjjJC5CWI78QY.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/OnP0h1NwPp0icgjjJC5CWI78QY.jpg?scale-down-to=2048 2048w, https://framerusercontent.com/images/OnP0h1NwPp0icgjjJC5CWI78QY.jpg?scale-down-to=4096 4096w, https://framerusercontent.com/images/OnP0h1NwPp0icgjjJC5CWI78QY.jpg 5263w\"},\"index funds vs mutual funds vs etfs\"),[d]:/*#__PURE__*/e(r.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"At times, the world of investing can seem quite complex, brimming with countless choices. If you\u2019re an investor seeking diversification, growth and hands-on control of your investments, index funds, mutual funds, and ETFs are popular paths. But which route should you take on your journey towards financial growth?\\xa0\"})}),[u]:/*#__PURE__*/e(r.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"We\u2019re going to take a deep dive into these three investment vehicles so you can see which one is best suited for your investment style. Keep reading to learn more about the world of index funds, mutual funds, and ETFs!\"})}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"Index Funds\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Index funds are one of the more popular investment strategies for those who are looking to invest passively. They first became available to the public back in the late 1970s. Let\u2019s take a look at what exactly an index fund is and its advantages and disadvantages.\"}),/*#__PURE__*/e(\"h3\",{children:\"What is an Index Fund?\"}),/*#__PURE__*/e(\"p\",{children:\"Index funds are a type of mutual fund designed to replicate the performance of a specific market index, like the S&P 500. The fund's portfolio contains all or a representative sample of the securities in the index. This means that your investment is automatically diversified across a broad range of companies for that specific index. Index funds are a form of passive investing, as they simply aim to mirror the performance of the index rather than attempting to outperform it.\"}),/*#__PURE__*/e(\"h3\",{children:\"Advantages of Index Funds\"}),/*#__PURE__*/e(\"p\",{children:\"One of the advantages of Index funds is that they offer diversification. When you invest in an index fund, you\u2019re basically buying a piece of a lot of different stocks. Investing in a large number of different stocks can reduce your risk since your money is being spread across the index and not all your money goes into one stock.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Compared to actively managed funds, index funds will cost less to manage most times because not as much labor is needed to manage them as mutual funds. Another advantage is that Index funds are also easy to understand which makes them an attractive option for beginners. They are looked at as passive income and follow an automated investment method. Since index funds don\u2019t require a lot of trading, they tend to be tax efficient.\\xa0\"}),/*#__PURE__*/e(\"h3\",{children:\"Disadvantages of Index Funds\"}),/*#__PURE__*/e(\"p\",{children:\"One of the cons of index funds is that their performance is tied to the market index they're tracking, so when the index declines, so does the index fund. Investing in index funds also gives you limited control of individual investments since you are investing in a wide range of companies rather than having a specific focused portfolio.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Another negative is that the returns from index funds will never outperform the market but only match it. This leads to the next disadvantage is that Index funds generally have a significantly lower return than mutual funds. Lastly, since index funds are weighted by market capitalization, it\u2019s possible that you will be investing a lot more into specific sectors if those given sectors are heavily concentrated in that given index.\"}),/*#__PURE__*/e(\"h2\",{children:\"Mutual Funds\\xa0\"}),/*#__PURE__*/e(\"h3\",{children:\"What is a Mutual Fund?\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-invest-20k\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"K3frKWRSV\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Mutual funds\"})}),\" are investment vehicles managed by professionals. They pool money from multiple investors to buy a diversified portfolio of stocks, bonds, or other assets. Unlike index funds, most mutual funds are actively managed, meaning fund managers make decisions about what securities to buy or sell with the aim of outperforming the market. This typically involves research, forecasts, and expert judgment. Mutual funds are a convenient way for investors to \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-start-investing-in-stocks\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"z4pHA2blY\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"invest their money in the stock market\"})}),\" without having to choose between individual stocks, which can be quite time consuming.\\xa0\"]}),/*#__PURE__*/e(\"h3\",{children:\"Advantages of Mutual Funds\"}),/*#__PURE__*/e(\"p\",{children:\"One of the pros of mutual funds is that they are professionally managed, potentially offering higher returns if the fund manager successfully outperforms the market. They can also automatically reinvest dividends and offer services like systematic investment plans.\"}),/*#__PURE__*/e(\"p\",{children:\"Another advantage of mutual funds is that they are easily accessible and you can invest in them through a financial advisor or an online brokerage account. Minimal initial investments range generally starting at around $500, making mutual funds an affordable investment option.\"}),/*#__PURE__*/e(\"h3\",{children:\"Disadvantages of Mutual Funds\"}),/*#__PURE__*/e(\"p\",{children:\"Mutual funds often come with higher expense ratios due to active management. These fees can range up to 2%, even more. Another disadvantage of mutual funds is that performance heavily relies on the fund manager's skills. Also, end-of-day trading might not provide the flexibility some investors want since they can only trade once per day which might not ensure the best market price. The last disadvantage of mutual funds is that some fund managers might not make the best investment decision for you since they may be worried about the number of clients they have. It\u2019s important that you speak to your fund manager and build a good relationship with them prior to investing.\"}),/*#__PURE__*/e(\"h2\",{children:\"Exchange-Traded Funds (ETFs)\\xa0\"}),/*#__PURE__*/e(\"h3\",{children:\"What are ETFs?\"}),/*#__PURE__*/e(\"p\",{children:\"ETFs are similar to index funds in that they often track a specific index, but they trade like individual stocks on an exchange. This means you can buy or sell ETF shares throughout the trading day at fluctuating market prices, unlike mutual funds or index funds, which can only be traded at the end of the day at the net asset value (NAV) price. ETFs can offer exposure to a variety of asset classes, including stocks, bonds, and commodities.\"}),/*#__PURE__*/e(\"h3\",{children:\"Advantages of ETFs\"}),/*#__PURE__*/e(\"p\",{children:'Like index funds, ETFs typically offer diversification. One of the advantages of ETFs is they are flexible in terms of trading because they can be bought or sold throughout the day at market prices. Additionally, they often have lower expense ratios and could offer better tax efficiency than mutual funds due to the \"in-kind\" creation and redemption process.'}),/*#__PURE__*/e(\"p\",{children:\"Another benefit of ETFs is that there isn\u2019t any minimum investment requirement so you can invest at your own convenience. Since they are publicly traded, they can be easily accessed which will enable you, as an investor, to make an informed decision before investing.\"}),/*#__PURE__*/e(\"h3\",{children:\"Disadvantages of ETFs\"}),/*#__PURE__*/e(\"p\",{children:\"While the ability to trade ETFs throughout the day can be a benefit, it can also lead to impulse decisions driven by market volatility. Another con of exchange traded funds is that buying ETFs involves brokerage commissions, which can add to the cost, especially with frequent trading. These funds are quite complex and being able to understand the structure and risks associated with an ETF may not be the best option for a beginner trader.\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"Comparing Index Funds, ETFs, and Mutual Funds\"}),/*#__PURE__*/e(\"p\",{children:'Now that you have a breakdown of each type of fund, you may be thinking \" how is a mutual fund different than an index fund?\" Or, \"how is an index fun different than an exchange-traded fund?\" They may all seem very similar but there are some factors to look into before deciding what\\'s best for you. '}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Cost\"}),\": Index funds and ETFs generally have lower expense ratios because they are passively managed, meaning they aim to replicate the performance of a market index rather than trying to outperform it. Mutual funds, especially actively managed ones, have higher costs due to expenses associated with research, trading, and professional management.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Liquidity\"}),\": ETFs offer high liquidity as they can be bought and sold throughout the trading day at market prices, similar to individual stocks. On the other hand, index funds and mutual funds only allow trading at the net asset value (NAV) calculated at the end of the trading day.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Management Style\"}),\": Mutual funds are usually actively managed, where a fund manager makes decisions to buy or sell assets to achieve the best possible returns. Index funds and most ETFs are passively managed, aiming to replicate the performance of a specific index.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Investment Minimums\"}),\": Mutual funds often have investment minimums, which can range from a few hundred to several thousand dollars. Index funds may also have minimums, but they're generally lower. Most ETFs can be bought with no minimum beyond the cost of a single share.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Tax Efficiency\"}),': ETFs are often more tax-efficient than mutual funds due to the \"in-kind\" transfers that help limit taxable events. Index funds also tend to be more tax-efficient than actively managed mutual funds, as they experience less turnover.']}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Diversification\"}),\": All three investment vehicles offer diversification, spreading risk across a variety of securities. The level of diversification depends on the specific fund or index being tracked.\"]}),/*#__PURE__*/e(\"p\",{children:\"These three investment options offer unique opportunities for diversification and portfolio management. The right choice will depend on factors such as your financial goals, risk tolerance, investment horizon, and preference for active or passive investing. It's always wise to consult with a financial advisor to ensure you're making the best decision for your financial future. \"}),/*#__PURE__*/e(\"h2\",{children:\"Choosing The Best Investment Vehicle\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Choosing between index funds, ETFs, and mutual funds depends on several personal factors. Here are some key considerations to help you decide:\\xa0\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Investment Goals\"}),\": What are you trying to achieve? If you aim to match market returns at a lower cost, an index fund or ETF might be your best bet. If you're looking to potentially beat the market and don't mind higher fees, an actively managed mutual fund is the better option.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Risk Tolerance\"}),\": Index funds and ETFs provide broad diversification which may help reduce risk. However, the risk level of mutual funds depends on their specific holdings and strategy. Analyze the risk associated with each option and match it to your personal risk tolerance.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Cost Consideration\"}),\": Mindful of the expense ratio of the fund. Over time, even a slightly higher expense ratio can significantly impact your returns. Generally, index funds and ETFs have lower costs than actively managed mutual funds.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Liquidity Needs\"}),\": If you want the flexibility to buy and sell shares throughout the trading day, ETFs are your go-to option. If you're comfortable with end-of-day trading, then index funds or mutual funds would work.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Tax Implications\"}),': ETFs often offer greater tax efficiency due to the \"in-kind\" creation and redemption process, which can limit taxable events. Consider your tax situation when choosing.']})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Investment Minimums\"}),\": ETFs may be a good choice if you're starting with a smaller amount of money, as mutual funds and some index funds often have minimum investment requirements.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"Remember, investing is not a one-size-fits-all process. Your personal situation, financial goals, and investment preferences are key to making the right choice. And while you don't necessarily have to pick just one, finding the right balance for your portfolio is crucial. Always consider seeking advice from a financial advisor to help navigate these decisions.\"}),/*#__PURE__*/e(\"h2\",{children:\"Conclusion\"}),/*#__PURE__*/e(\"p\",{children:\"Index funds, ETFs, and mutual funds each offer distinct advantages that can help you reach your financial goals. It's about understanding these differences and aligning them with your individual needs, risk tolerance, and investment strategy. While this guide offers a solid foundation, remember that the financial landscape is always evolving, and staying informed is part of the journey. Investing isn't just about making money\u2014it's about shaping the future you want.\"})]}),[g]:!0,[p]:\"Discover the ins and outs of index funds, mutual funds, and ETFs. Understand their differences, the advantages of each, and how to choose the right one for you.\",[f]:\"5 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!0,[A]:!1,[S]:!1},{id:\"jXoPoqV9c\",[i]:\"Credit Card Debt Forgiveness: The Cold Hard Truths You Need To Know\",[s]:\"credit-card-debt-forgiveness-the-cold-hard-truths-you-need-to-know\",[c]:\"July 18, 2023\",[l]:\"Credit Cards\",[h]:j({src:\"https://framerusercontent.com/images/tFn5iSFDPUXj0CeZgecsIieHtg.jpg?scale-down-to=4096\",srcSet:\"https://framerusercontent.com/images/tFn5iSFDPUXj0CeZgecsIieHtg.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/tFn5iSFDPUXj0CeZgecsIieHtg.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/tFn5iSFDPUXj0CeZgecsIieHtg.jpg?scale-down-to=2048 2048w, https://framerusercontent.com/images/tFn5iSFDPUXj0CeZgecsIieHtg.jpg?scale-down-to=4096 4096w, https://framerusercontent.com/images/tFn5iSFDPUXj0CeZgecsIieHtg.jpg 6107w\"},\"Credit Card Debt Forgivenes\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"Finding yourself in \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/common-myths-about-money-and-how-to-avoid-them\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"credit card debt\"})}),\"? It\u2019s a common problem that many people face and it can be overwhelming and stressful to deal with. While it might seem like the debt only piles up, there\u2019s a way out - credit card debt forgiveness. But, what does it mean, and how does it work?\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"Credit card debt forgiveness is an option for those who are drowning in debt and need assistance to get back on their feet. Keep on reading to learn more about what it exactly is and if it\u2019s the right route to take for your debt.\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"What is Credit Card Debt Forgiveness?\"})]}),[u]:/*#__PURE__*/e(r.Fragment,{children:/*#__PURE__*/t(\"p\",{children:[\"Credit card debt forgiveness is an agreement between a lender and borrower to cancel or reduce the borrower\u2019s outstanding credit card balances. Most times, it\u2019s used as an option for debt relief to those who have fallen behind on their payments, people who have a \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-choose-the-best-second-credit-card\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"gFKjLkrQd\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"second credit card they forgot about\"})}),\", or those who can\u2019t afford to pay off their credit cards due to financial difficulties. The most common type of credit card debt forgiveness is called debt settlement, but we\u2019ll discuss the different plans later on.\"]})}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"To give an easy example with numbers, let's say you\u2019re wondering \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-pay-off-10-000-credit-card-debt\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"how to pay off $10,000 in credit card debt\"})}),\" and you\u2019re a bit behind on your payments. With credit card debt forgiveness, you would negotiate a deal with a debt collector to pay off $8,000 in either monthly payments or a lump sum and the remaining $2,000 left would be forgiven. That\u2019s right, you won\u2019t have to pay the remaining balance on the debt that is forgiven. However, it may be easier said than done.\"]}),/*#__PURE__*/e(\"img\",{alt:\"What is Credit Card Debt Forgiveness\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,zZ0yr6Kb3RCNnTbTDJHMjF0T44M.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"5696\",height:\"2000\",src:\"https://framerusercontent.com/images/zZ0yr6Kb3RCNnTbTDJHMjF0T44M.jpg?scale-down-to=4096\",style:{aspectRatio:\"5696 / 4000\"},width:\"2848\"}),/*#__PURE__*/e(\"h2\",{children:\"How Does Credit Card Debt Forgiveness Work?\"}),/*#__PURE__*/e(\"p\",{children:\"When looking to get some of your debt forgiven, it usually ends up that you\u2019ll negotiate directly with your credit card issuer to get the balances lowered. In most cases, the credit card issuer will need to see that you\u2019re not able to make the payments for your credit card debt due to illness, losing your job, or other financial hardships. Not all credit card lenders offer debt forgiveness, and if you do get some or all of your debt forgiven, it can have a negative impact on your credit score. With that being said, it\u2019s important to weigh the pros and cons before going ahead with debt forgiveness.\"}),/*#__PURE__*/e(\"h3\",{children:\"Pros and Cons of Credit Card Debt Forgiveness\"}),/*#__PURE__*/e(\"p\",{children:\"Just like any financial decision you make, or decision in general for that matter, choosing to go with the credit card debt forgiveness route will come with both advantages and disadvantages.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Advantages of credit card debt forgiveness:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Reducing debt\"}),\": Credit card debt forgiveness programs can help significantly reduce the amount you owe. You can also restructure the debt and make it easier to pay off.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Less stress\"}),\": Getting your credit card debt forgiven can help reduce stress and anxiety. This \u201Cfresh start\u201D can change your mindset moving forward in regards to how you view your finances.\\xa0\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Quicker way to pay off debt\"}),\": The variety of credit card forgiveness plans can expedite the time it takes to pay off your debt and become debt-free.\\xa0\\xa0\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Possibility to negotiate your debt\"}),\": Different repayment plans allow for negotiation with creditors which can provide more favorable terms to you for your payments.\\xa0\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"Disadvantages of credit card debt forgiveness:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Still can be taxed\"}),\": Even if you wind up not having to pay $5,000 in debt, that money may still be considered taxable income which is something that you will still have to account for.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Impact on your credit score\"}),\": Credit card debt forgiveness can have a negative impact on your credit score. This can remain on your credit score for up to 7 years, which will make it difficult for you to borrow money in the future.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Fees and costs\"}),\": There may be a fee associated with partaking in debt forgiveness programs or you may be required to pay for professional services, minimizing overall savings.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Cooperation from creditors\"}),\": Some creditors may not participate in debt forgiveness programs or be willing to negotiate, so you may be out of luck.\\xa0\"]})})]}),/*#__PURE__*/e(\"img\",{alt:\"How Does Credit Card Debt Forgiveness Work\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,ZPOzoZ2b6pvNwSoZPL7MIdU8WI.jpg\",\"data-framer-height\":\"2620\",\"data-framer-width\":\"4613\",height:\"1310\",src:\"https://framerusercontent.com/images/ZPOzoZ2b6pvNwSoZPL7MIdU8WI.jpg?scale-down-to=4096\",style:{aspectRatio:\"4613 / 2620\"},width:\"2306\"}),/*#__PURE__*/e(\"h2\",{children:\"What Are The Different Credit Card Debt Forgiveness Plans\"}),/*#__PURE__*/e(\"p\",{children:\"As we already mentioned, there are different options when it comes to debt forgiveness. Having a better understanding of each of them will help you to make an informed decision about what\u2019s the best route for you.\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Debt Settlement Programs\"}),\":\\xa0Debt settlement is when you negotiate with your creditors to pay less than what you owe in exchange for them forgiving the remaining debt. In these instances, the borrower usually pays a lump sum to settle the debt. It's important to note that debt settlement is not a guarantee, and it typically requires you to be behind on your payments. Keep in mind that going this route, the forgotten debt may still be taxable and you would have to report it on your tax return.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Debt Consolidation Loans\"}),\": This involves combining multiple debts into a single loan with a lower interest rate than what you were paying. Debt consolidation allows you to simplify your repayment option by having only a single monthly payment instead of multiple debts to pay off. The overall debt burden can be reduced significantly.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Debt Management Plans\"}),\": These plans are generally made between you and a credit counseling agency. Debt management plans are made to aid in getting reduced payments on your debt. The agency will help you \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/personal-budgets-what-they-are-and-why-you-need-one\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"create a budget\"})}),\" as well as negotiate with creditors to get your lower \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"apy-vs-interest-rate-breaking-down-the-difference\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"FKEpUEzkO\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"interest rates\"})}),\" to help with your payments. With the guidance of an agency, you can help \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/steps-to-improve-your-finances-this-year\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"improve your finances\"})}),\" going forward.\\xa0\\xa0\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Bankruptcy\"}),\": Filing for bankruptcy should be considered as a last resort since it\u2019ll have the most impact on your creditworthiness. Declaring for bankruptcy legally states that you don\u2019t have the ability to repay the debts and court will discharge some or all of those debts, giving you a fresh start. However, your damaged credit can play a role in the future when you\u2019re looking to do certain things involving your credit and financial record.\"]})})]}),/*#__PURE__*/e(\"img\",{alt:\"What Are The Different Credit Card Debt Forgiveness Plans\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,wPjqOrYJkGCWzbjkeDalGddRWu0.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/wPjqOrYJkGCWzbjkeDalGddRWu0.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"}),/*#__PURE__*/e(\"h2\",{children:\"Is Credit Card Debt Forgiveness Right for You?\"}),/*#__PURE__*/t(\"p\",{children:[\"If you\u2019re somebody who is struggling to pay their debts, whether it's due to a lost job or being on a \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"joint-credit-card\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"PUSPM2Rnj\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"joint credit card\"})}),\" account with your loved one and calling it quits, then credit card debt forgiveness can provide you with relief. However, it\u2019s important to weigh the pros and cons and explore all your options before opting for debt forgiveness. Seeking advice from a financial advisor can put you in a better position to achieve debt relief and financial freedom than doing it alone. Remember, good financial habits such as budgeting, discipline, and \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-save-money-fast-on-a-low-income\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"saving money\"})}),\" can help you avoid falling into debt in the first place and \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"budgeting-tips-to-help-you-stay-on-track-financially\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"w5PkT1NTj\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"staying on track financially\"})}),\".\"]})]}),[g]:!0,[p]:\"Struggling with credit card debt? Learn more about what credit card debt forgiveness is and whether it's the right solution for you.\",[f]:\"3 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!1,[A]:!1,[S]:!0},{id:\"QP6DkuVp9\",[i]:\"When Do Student Loan Payments Resume: Ways To Prepare For Repayments\",[s]:\"ways-to-prepare-for-student-loan-payments\",[c]:\"July 14, 2023\",[l]:\"Personal Loans\",[h]:j({src:\"https://framerusercontent.com/images/1kP1utmiH7BggdGIJmBhGeZ5t8.jpg?scale-down-to=4096\",srcSet:\"https://framerusercontent.com/images/1kP1utmiH7BggdGIJmBhGeZ5t8.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/1kP1utmiH7BggdGIJmBhGeZ5t8.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/1kP1utmiH7BggdGIJmBhGeZ5t8.jpg?scale-down-to=2048 2048w, https://framerusercontent.com/images/1kP1utmiH7BggdGIJmBhGeZ5t8.jpg?scale-down-to=4096 4096w, https://framerusercontent.com/images/1kP1utmiH7BggdGIJmBhGeZ5t8.jpg 4898w\"},\"Ways To Pay For Student Loan Payments\"),[d]:/*#__PURE__*/e(r.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"The temporary suspension of federal student loan payments and interest is about to end. You may be asking yourself, when do student loan payments resume? Due to new legislation, there won't be any further extensions through executive action. Interest on your federal loans will start accumulating starting in September and you\u2019ll have to make your first payments in September and October.\\xa0\"})}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"However, in June 2023, President Biden introduced a special student loan on-ramp period for when repayments restart. During this time, interest will still accrue and payments will be due, but you won't face penalties if you miss a payment within the first 12 months.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Here are 5 ways to prepare for student loan payments resuming in September 2023:\"})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"1. Know Your Loan Servicer\"}),/*#__PURE__*/e(\"p\",{children:\"Did you know that the federal government hires loan servicer companies to handle various administrative tasks related to your student loans? This includes important things like billing, repayment plans, and providing assistance throughout the repayment process. You may be familiar with some of these companies, such as Mohela, Nelnet, and Aidvantage. However, it's worth noting that contracts with some of these companies have ended, so your loan servicer may have changed since February 2020.\"}),/*#__PURE__*/e(\"p\",{children:\"It's crucial to establish direct communication with your loan servicer so you can stay informed about your repayment obligations. They can also offer you valuable information and resources to help navigate the repayment journey more effectively.\"}),/*#__PURE__*/t(\"p\",{children:[\"If you're unsure about who your loan servicer is, you can easily find out by visiting the \",/*#__PURE__*/e(n,{href:\"https://nslds.ed.gov/\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"National Student Loan Data System (NSLDS) website\"})}),\". Just log in with your FSA ID (Federal Student Aid) and you'll have access to information about your loan servicer and other important loan details.\"]}),/*#__PURE__*/e(\"img\",{alt:\"Know Your Loan Servicer\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,bfAdNm8DrsRDCtV4jGVuNhTlCc.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/bfAdNm8DrsRDCtV4jGVuNhTlCc.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"}),/*#__PURE__*/e(\"h2\",{children:\"2. Address Your Repayment Plan Questions\"}),/*#__PURE__*/e(\"p\",{children:\"Who should you contact if you have questions about payment plans? Here are some reliable sources that can provide accurate information and support:\\xa0\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Loan Servicers\"}),\": Your loan servicer is an expert who can guide you through the specifics of your loan and offer advice based on your unique circumstances. Discover available repayment options, find out if you meet the eligibility requirements, and choose the plan that best fits your financial situation.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Financial Aid Offices\"}),\": Your school's financial aid office is a valuable resource for information and guidance. They can assist you in choosing the most suitable repayment plan for your needs.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Department of Education's Student Loan Helpline\"}),\": The Department of Education operates a dedicated student loan helpline, which serves as a reliable resource for borrowers seeking information about repayment plans.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"When contacting these resources, be prepared with specific questions about repayment plans, such as inquiries about income-driven repayment options, loan forgiveness programs, or the impact of different plans on your monthly payments. Having clear communication will ensure that you receive accurate and personalized guidance tailored to your needs.\"}),/*#__PURE__*/e(\"img\",{alt:\"Address your Repayment Plan Questions\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,5wmLNIOVcaZtBRGLZBm4W7ajF0s.jpg\",\"data-framer-height\":\"1461\",\"data-framer-width\":\"2200\",height:\"730\",src:\"https://framerusercontent.com/images/5wmLNIOVcaZtBRGLZBm4W7ajF0s.jpg\",style:{aspectRatio:\"2200 / 1461\"},width:\"1100\"}),/*#__PURE__*/e(\"h2\",{children:\"3. Assess Your Financial Situation\"}),/*#__PURE__*/e(\"p\",{children:\"Understanding where you stand financially will help you better prepare for the upcoming payments and ensure that you can manage them effectively. Here are some key steps to consider:\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Review Your Income\"}),\": Take a close look at how much you earn regularly, including wages, salaries, and other sources of income. This will help you understand how much money you can dedicate to your student loan payments.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Evaluate Your Expenses\"}),\": Examine your monthly expenses in-depth. This includes your rent/mortgage, utilities, transportation costs, groceries, and any other regular expenses. Identify areas where you can cut back to free up more money for your loan payments.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/personal-budgets-what-they-are-and-why-you-need-one\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:/*#__PURE__*/e(\"strong\",{children:\"Create a Budget\"})})}),\": Make a budget that aligns with your financial goals and includes your student loan payments as a fixed expense. A budget acts as a roadmap for your finances, helping you stay on track with your payments while managing other financial obligations.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Utilize Tools and Resources\"}),\": \",/*#__PURE__*/e(n,{href:\"https://hiatus.app/?utm_source=hiatus_blog&utm_medium=organic&utm_campaign=ways_to_prepare_for_student_loans\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Take advantage of the Hiatus app\"})}),\" to help you track your income, expenses, and savings goals. Leverage Hiatus' concierge team to cancel unwanted subscriptions and negotiate bills on your behalf.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"By assessing your financial situation before the loan payments resume, you'll be able to make informed decisions about your finances and allocate the necessary funds to meet your student loan obligations.\"}),/*#__PURE__*/e(\"img\",{alt:\"Address your Repayment Plan Questions\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,EYM49AhzEeM3ll8gXR8ilmZPNY0.jpg\",\"data-framer-height\":\"4473\",\"data-framer-width\":\"6706\",height:\"2236\",src:\"https://framerusercontent.com/images/EYM49AhzEeM3ll8gXR8ilmZPNY0.jpg?scale-down-to=4096\",style:{aspectRatio:\"6706 / 4473\"},width:\"3353\"}),/*#__PURE__*/e(\"h2\",{children:\"4. Explore Repayment Options\"}),/*#__PURE__*/e(\"p\",{children:\"When it comes to paying off your student loans, it's important to explore your repayment options. Understanding these options will help you choose the best repayment plan that aligns with your financial situation and long-term goals. Here are some common repayment options to consider:\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Standard Repayment Plan:\"}),\" The standard repayment plan is the default option for most borrowers. It involves fixed monthly payments over a set period, typically 10 years. While it allows you to pay off your loans faster, monthly payments may be higher compared to other plans.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Income-Driven Repayment Plans:\"}),\" Income-driven repayment plans, such as Income-Based Repayment (IBR), \",/*#__PURE__*/e(n,{href:\"/blog/paye-vs-repaye-what-s-the-better-payment-option-for-your-student-loans\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Pay As You Earn (PAYE), and Revised Pay As You Earn (REPAYE)\"})}),\", base your monthly payments on your income and family size. They can provide more affordable payments for borrowers with lower incomes and may offer loan forgiveness after a certain number of years.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Extended Repayment Plan:\"}),\" This extends your repayment period beyond the standard 10 years, reducing monthly payments but increasing the overall interest paid over the life of the loan.\"]})})]}),/*#__PURE__*/t(\"p\",{children:[\"Each repayment option has its own advantages and considerations, including factors like monthly payments, loan forgiveness eligibility, and \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"apy-vs-interest-rate-breaking-down-the-difference\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"FKEpUEzkO\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"interest rates\"})}),\". It's essential to research and compare these options to find the one that best suits your financial situation and goals.\"]}),/*#__PURE__*/e(\"p\",{children:\"For example, the standard plan allows for faster loan repayment but may result in higher monthly payments. Income-driven plans offer manageable payments based on your income and the potential for loan forgiveness. Extended plans offer lower monthly payments but may result in higher interest costs over time.\"}),/*#__PURE__*/e(\"img\",{alt:\"Explore Repayment Options\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,fcY6H65HQ0sfe7i8MyaEQ5nOM.jpg\",\"data-framer-height\":\"2828\",\"data-framer-width\":\"4241\",height:\"1414\",src:\"https://framerusercontent.com/images/fcY6H65HQ0sfe7i8MyaEQ5nOM.jpg?scale-down-to=4096\",style:{aspectRatio:\"4241 / 2828\"},width:\"2120\"}),/*#__PURE__*/e(\"h2\",{children:\"5. Take Advantage of Assistance Programs and Resources\"}),/*#__PURE__*/e(\"p\",{children:\"There are plenty of assistance programs and resources available to help lighten the load and provide support throughout the repayment journey.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"By taking advantage of these programs, you can potentially save money, simplify your repayment process, or even get temporary relief when you need it. Here are some key assistance programs and resources to consider:\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Public Service Loan Forgiveness (PSLF):\"}),\" PSLF is a program designed for borrowers working in public service or certain nonprofit organizations. If you qualify, and make 120 qualifying payments while working full-time in qualifying public service jobs, you could be eligible to have their remaining loan balance forgiven.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Loan Consolidation:\"}),\" Loan consolidation allows you to combine multiple federal student loans into a single loan. Not only does this simplify your repayment process by reducing the number of monthly payments, it may also extend your repayment period. However, keep in mind that there are pros and cons to consolidation, such as changes to interest rates and total repayment costs.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Deferment/Forbearance Options:\"}),\" If you encounter financial hardship or face other challenging circumstances, deferment or forbearance options can provide temporary relief from making loan payments. Deferment allows you to temporarily postpone payments, typically for specific reasons like unemployment or returning to school. Forbearance, on the other hand, allows you to temporarily reduce or pause payments due to financial difficulties.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"To access and apply for these programs and resources:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[\"Visit the\",/*#__PURE__*/e(n,{href:\"https://www.ed.gov/\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" official website of the Department of Education\"})}),\": The Department of Education's website offers comprehensive information on various assistance programs, including eligibility criteria and application processes. Explore their resources to learn more about specific programs and find guidance on how to apply.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/e(\"p\",{children:\"Contact Your Loan Servicer: Your loan servicer is a valuable resource for accessing assistance programs. Reach out to them directly to inquire about available options, eligibility requirements, and the application process. They can guide you through the necessary steps and provide personalized assistance.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/e(\"p\",{children:\"Seek Guidance from Financial Aid Offices or Nonprofit Organizations: Financial aid offices at your educational institution and nonprofit organizations specializing in student loan assistance can provide valuable guidance. They can help you navigate the available programs, answer your questions, and assist with the application process.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"By taking advantage of these assistance programs and resources, you can better manage your student loans and potentially save money in the long run. Be proactive in exploring the options that align with your needs and circumstances. Remember, staying informed and seeking assistance when needed will help you navigate the complexities of student loan repayment more effectively.\"}),/*#__PURE__*/e(\"img\",{alt:\"Take Advantage of Assistance Programs and Resources\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,FS1mkwKTw6ZrxO1IOzxPAlt4zI.jpg\",\"data-framer-height\":\"2832\",\"data-framer-width\":\"4240\",height:\"1416\",src:\"https://framerusercontent.com/images/FS1mkwKTw6ZrxO1IOzxPAlt4zI.jpg?scale-down-to=4096\",style:{aspectRatio:\"4240 / 2832\"},width:\"2120\"})]}),[g]:!0,[p]:\"Make sure that you're prepared come September 2023 when student loan payments resume. Here are five easy tips to help get your finances ready for repayment!\",[f]:\"4 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!0,[A]:!1,[S]:!1},{id:\"j2PscW67u\",[i]:\"How To Pay Off $10,000 Credit Card Debt\",[s]:\"how-to-pay-off-10-000-credit-card-debt\",[c]:\"July 13, 2023\",[l]:\"Editor's Picks\",[h]:j({src:\"https://framerusercontent.com/images/wNJZANEWBMW0hu6WLmtoCDPAI.jpg?scale-down-to=4096\",srcSet:\"https://framerusercontent.com/images/wNJZANEWBMW0hu6WLmtoCDPAI.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/wNJZANEWBMW0hu6WLmtoCDPAI.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/wNJZANEWBMW0hu6WLmtoCDPAI.jpg?scale-down-to=2048 2048w, https://framerusercontent.com/images/wNJZANEWBMW0hu6WLmtoCDPAI.jpg?scale-down-to=4096 4096w, https://framerusercontent.com/images/wNJZANEWBMW0hu6WLmtoCDPAI.jpg 5760w\"},\"how to pay off $10,000 in Credit Card Debt\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"Being in debt can cause large amounts of stress, especially when you have a \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/credit-card-debt-forgiveness-the-cold-hard-truths-you-need-to-know\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"large amount of credit card debt\"})}),\" hanging over your head. However, it\u2019s important to remember that you\u2019re not alone. In fact, the average American family carries anywhere from $5,000 to $10,000 in credit card debt. By implementing the right strategies, you can pay off your debt and achieve financial freedom sooner than you might think. If you want help with credit card debt over $10,000, you\u2019ve come to the right place.\"]}),/*#__PURE__*/e(\"h2\",{children:\"1. Stick To A Strict Budget\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"Most people who find themselves in debt already know how they got there, but don't know how to get out. First and foremost, you need to \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/personal-budgets-what-they-are-and-why-you-need-one\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"create a budget\"})}),\" and then stick to it. This will allow you to see where your money is going and how much you can then put towards paying off your debt each month. \\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[\"Be sure to include all your monthly expenses, both fixed and variable. Different expenses that should be included are rent, utilities, groceries, and transportation. It\u2019s important to include other debts that have minimal payments such as \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"tips-on-how-to-lower-your-car-insurance\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"nehoRmwKO\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"car insurance\"})}),\", student loans, and home equity loans.\"]}),/*#__PURE__*/t(\"p\",{children:[\"After you\u2019ve subtracted all your expenses from your total income, you\u2019ll be left with an amount that you can dedicate towards paying off your credit card debt. Using an app like \",/*#__PURE__*/e(n,{href:\"https://app.adjust.com/161605d6_167r5vg7\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Hiatus will let you create custom budgets\"})}),\" directly so you avoid making any \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/the-most-common-budgeting-mistakes-to-avoid\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"budgeting mistakes\"})}),\" and start \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-save-money-fast-on-a-low-income\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"saving money fast\"})}),\" to pay off that debt.\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[\"There are numerous budget strategies that will help you pay off the debt faster. For example, the \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"70-20-10-budget-rule-what-it-is\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"unLkZjhFP\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"70/20/10 budget rule\"})}),\" allocates 20% of your income to be used for savings and an extra 10% is used for debt payments. \"]}),/*#__PURE__*/e(\"img\",{alt:\"stick to a strict budget\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,a8PV6E4sOaMpvZ5X3YxvbZ54x8.jpg\",\"data-framer-height\":\"2000\",\"data-framer-width\":\"3000\",height:\"1000\",src:\"https://framerusercontent.com/images/a8PV6E4sOaMpvZ5X3YxvbZ54x8.jpg\",style:{aspectRatio:\"3000 / 2000\"},width:\"1500\"}),/*#__PURE__*/e(\"h2\",{children:\"2. Use a Balance Transfer Or Personal Loan\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"If you\u2019re struggling to make progress on your debt with high interest rates, consider transferring your balance to a card with a lower interest rate or taking out a personal loan. This can help you save money on interest and pay off your debt faster.\"}),/*#__PURE__*/e(\"p\",{children:\"With a balance transfer, your debts are transferred to a new credit card with a lower interest rate or a 0% introductory rate that lasts for a specified period. Be sure to find out the interest rate you'll be paying once the introductory period ends as well as any balance transfer fees.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Taking out a personal loan allows you to consolidate your debt into a fixed monthly payment. Some personal loans may have lower interest rates than credit cards which will help you save in the long run.\"})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"3. Find Ways To Increase Your Income\"}),/*#__PURE__*/t(\"p\",{children:[\"If you\u2019re having trouble making progress on your debt, look for ways to increase your income. This can significantly expedite your journey to paying off $10,000 in credit card debt. Taking on a part-time job, selling unused items in your home, or \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/side-hustles-that-can-earn-you-money\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"starting a side hustle\"})}),\" are great ways to get a jumpstart. If you have a skill or hobby, you can monetize it by getting into freelancing or even exploring a consulting gig. If the timing is right, you can also consider negotiating a salary increase at work if you feel like it\u2019s deserved. The extra money earned should be put towards making extra payments for your debt.\\xa0\"]})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"4. Choose A Payment Strategy\"}),/*#__PURE__*/e(\"p\",{children:\"If your debts have racked up and you\u2019re thinking how to pay off $10,000 credit card debt, a concrete strategy is a must. If you only have one card, then your strategy is quite straightforward. However, if you have more than one card, there are different ways you can tackle this task.\"}),/*#__PURE__*/e(\"h3\",{children:\"Start paying more than the minimum\"}),/*#__PURE__*/e(\"p\",{children:\"If you\u2019re only making the minimum payments on your credit cards, you\u2019re not going to make much progress towards paying off your debt. In fact, you\u2019ll end up paying a lot more in interest over time. Instead, try to pay as much as you can afford each month, even if it\u2019s just a little bit more than the minimum payment.\"}),/*#__PURE__*/e(\"h3\",{children:\"Debt Snowball\"}),/*#__PURE__*/e(\"p\",{children:\"This strategy focuses on paying off your debts from smallest to largest, regardless of the interest rates. To start, list all of your credit card debts in ascending order based on how much you owe. Continue to make minimum payments on all the cards except the one with the smallest balance, allocate the extra money you saved from your budget towards paying off your smallest debt. Once you\u2019ve paid that debt, you move on to the next smallest debt until you\u2019ve paid off all your remaining debts.\\xa0\"}),/*#__PURE__*/e(\"h3\",{children:\"Debt Avalanche\"}),/*#__PURE__*/t(\"p\",{children:[\"If you have multiple credit cards, prioritize your debts. Start by paying off the card with the highest \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"apy-vs-interest-rate-breaking-down-the-difference\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"FKEpUEzkO\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"interest rate\"})}),\" first, as this is the one costing you the most money. Just like the debt snowball, you should continue making minimum payments on all your debts. Once you\u2019ve paid off that card, move on to the card with the second-highest interest rate and so on. This method can help save you a lot of money in interest charges by paying off those debts with the highest interest.\"]}),/*#__PURE__*/e(\"img\",{alt:\"Choose A Debt Payment Strategy\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,i2GH6dPbeFjUZLfQ6DEaqDo9U.jpg\",\"data-framer-height\":\"4016\",\"data-framer-width\":\"6016\",height:\"2008\",src:\"https://framerusercontent.com/images/i2GH6dPbeFjUZLfQ6DEaqDo9U.jpg?scale-down-to=4096\",style:{aspectRatio:\"6016 / 4016\"},width:\"3008\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"h2\",{children:\"5. Consider Consolidation\"}),/*#__PURE__*/t(\"p\",{children:[\"If you have \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-choose-the-best-second-credit-card\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"gFKjLkrQd\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"multiple credit card\"})}),\" debts, consolidating them into one loan at a lower interest rate can be an excellent way to help pay off that $10,000 in credit card debt.\\xa0 A debt consolidation loan is a personal loan that allows you to transfer all your debts to a single loan with a fixed interest rate. This will make it easier to manage your payments and reduce the amount of interest you pay each month. The advantage is that you'll pay off your debts faster and at a lower interest rate.\"]}),/*#__PURE__*/e(\"img\",{alt:\"Consider Consolidation\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,Tvy51iiX9EWQFHipqv7upX8egrk.jpg\",\"data-framer-height\":\"1633\",\"data-framer-width\":\"2449\",height:\"816\",src:\"https://framerusercontent.com/images/Tvy51iiX9EWQFHipqv7upX8egrk.jpg\",style:{aspectRatio:\"2449 / 1633\"},width:\"1224\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"h2\",{children:\"6. Seek Professional Advice\"}),/*#__PURE__*/e(\"p\",{children:\"Sometimes debt management is a lot more complicated than it seems. Seeking professional advice can provide valuable insights if you can't seem to get a handle on your debt. A good place for you to start is Consumer Credit Counseling. They can help you with debt consolidation, credit counseling, or a debt management plan. They will act as a support and resource for specialized knowledge to help on your financial journey. Consider having a conversation with a financial advisor, especially if you have a specific goal in mind, such as buying a home or planning for retirement.\"}),/*#__PURE__*/e(\"img\",{alt:\"Seek Profressional Advice\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,vWbYFYAt3VHc4O1MtnlmjFPAg8.jpg\",\"data-framer-height\":\"3456\",\"data-framer-width\":\"5184\",height:\"1728\",src:\"https://framerusercontent.com/images/vWbYFYAt3VHc4O1MtnlmjFPAg8.jpg?scale-down-to=4096\",style:{aspectRatio:\"5184 / 3456\"},width:\"2592\"}),/*#__PURE__*/e(\"h2\",{children:\"7. Track Your Progress\"}),/*#__PURE__*/e(\"p\",{children:\"Given that paying off $10,000 in credit card debt is something that will most likely take time, it\u2019s important that you track your progress. Just like any sort of financial goal, tracking your results will help you stay motivated. It will be challenging, but once you\u2019re debt-free, a huge weight will be lifted off your shoulders. That\u2019s why you should celebrate some of the milestones you reach along the way. Whether it's paying off a specific credit card or reaching a set amount of debt reduction, a small treat will help boost your morale.\\xa0\"}),/*#__PURE__*/e(\"img\",{alt:\"Track Your Progress\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,33TrABBrPdQ24wDoVjPhxql52SY.jpg\",\"data-framer-height\":\"3708\",\"data-framer-width\":\"5562\",height:\"1854\",src:\"https://framerusercontent.com/images/33TrABBrPdQ24wDoVjPhxql52SY.jpg?scale-down-to=4096\",style:{aspectRatio:\"5562 / 3708\"},width:\"2781\"}),/*#__PURE__*/e(\"h2\",{children:\"8. Negotiate With Your Credit Card Issuer\"}),/*#__PURE__*/e(\"p\",{children:\"You can also reach out to your credit card issuer and try to negotiate a lower interest rate. If you have a good credit score and you've been a long-standing customer who pays bills on time, your creditor might take that into consideration and offer you a lower interest rate. In return, some banks will lower your rate by a few points which will significantly decrease the amount you pay in interest over time. Don't forget that you can ask for a waiver of late fees or over-limit fees if you have financial difficulties. Not all credit card companies will agree to the lower rates, but it doesn\u2019t hurt to ask.\"}),/*#__PURE__*/e(\"img\",{alt:\"Negotiate With Your Credit Card Issuer\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,RmgMdQGejubmRaNjH6mlw44jjto.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/RmgMdQGejubmRaNjH6mlw44jjto.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"}),/*#__PURE__*/e(\"h2\",{children:\"9. Cut Back On Expenses\"}),/*#__PURE__*/t(\"p\",{children:[\"To pay off your debt quickly, you may need to cut back on your expenses. This doesn't mean you have to stop doing everything fun, but you may need to make some temporary sacrifices. Look for areas where you can reduce your spending, such as eating out, entertainment, shopping, or wasting money on unused subscription services. Hiatus is a perfect tool to \",/*#__PURE__*/e(n,{href:\"https://app.adjust.com/161605d6_167r5vg7\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"see all of your recurring subscriptions\"})}),\" and lets you cancel what you no longer want straight from the app. Use the money you save to make extra payments toward your debt.\"]}),/*#__PURE__*/e(\"img\",{alt:\"Cut back on your expenses\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,bBou8nwu6214VzLXyrNJHYXmgLo.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"5388\",height:\"2000\",src:\"https://framerusercontent.com/images/bBou8nwu6214VzLXyrNJHYXmgLo.jpg?scale-down-to=4096\",style:{aspectRatio:\"5388 / 4000\"},width:\"2694\"}),/*#__PURE__*/e(\"h2\",{children:\"10. Withdraw From An Investment Account\"}),/*#__PURE__*/t(\"p\",{children:[\"This one comes last on the list because it\u2019s something that should be considered as a last resort plan. If you\u2019re somebody who invests their money in retirement plans like \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/401-k-vs-roth-ira-vs-traditional-roth\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"401k\"})}),\"\u2019s or other financial vehicles like \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/are-cds-worth-it\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"CD\u2019s\"})}),\", \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/cds-vs-money-market-accounts-decoding-the-savings-options\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"money market accounts\"})}),\", or \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"index-funds-vs-mutual-funds-vs-etfs\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"n5cJQrMEK\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"index funds\"})}),\", you may be able to withdraw money from these accounts. Taking a 401k loan means you\u2019re \u201Cborrowing\u201D money that\u2019s intended for your retirement savings account. Oftentimes seen as a negative route, if only a small amount is taken out and paid back quickly, it won\u2019t impact your retirement savings.\"]}),/*#__PURE__*/e(\"img\",{alt:\"Withdraw From An Investment Account\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,7wQ9BIF8qnIEcoayTQRaMsuM8gA.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/7wQ9BIF8qnIEcoayTQRaMsuM8gA.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"})]}),[g]:!0,[p]:\"Feeling overwhelmed by your credit card debt? No problem! Here are 10 strategies you can use to pay off your $10,000 debt quickly and easily.\",[f]:\"6 Min Read\",[y]:/*#__PURE__*/e(r.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"This blog post may contain affiliate links, which means that Hiatus may receive compensation when you click on a link and take action at no additional cost to you.\"})}),[w]:\"RGGU6aFJJ\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!0,[A]:!1,[S]:!1},{id:\"hCRLD3jdO\",[i]:\"Umbrella Insurance 101: What It Covers and Why You Need It\",[s]:\"what-umbrella-insurance-covers-and-why-you-need-it\",[c]:\"July 9, 2023\",[l]:\"Insurance\",[h]:j({src:\"https://framerusercontent.com/images/y9TsFsAvkVfdfCkflVKc3KXRPE.jpg\",srcSet:\"https://framerusercontent.com/images/y9TsFsAvkVfdfCkflVKc3KXRPE.jpg?scale-down-to=1024 756w, https://framerusercontent.com/images/y9TsFsAvkVfdfCkflVKc3KXRPE.jpg 946w\"},\"what umbrella insurance covers and why you need it\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"Unsure about umbrella insurance? Don't worry, you're not alone. Many people find it hard to fully understand but it's much simpler than you think. Think of umbrella insurance as a backup plan,\\xa0 ready to help when your homeowners or \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/tips-on-how-to-lower-your-car-insurance\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"auto insurance\"})}),\" isn't enough. In this article, we'll cover everything you need to know about umbrella insurance, from what it is, how umbrella insurance works, and why you might need it.\"]}),/*#__PURE__*/e(\"h2\",{children:\"What Is Umbrella Insurance\"}),/*#__PURE__*/e(\"p\",{children:\"To put it simple, umbrella insurance is an extra layer of liability coverage. When the limits and coverages of your other policies might be exhausted, umbrella insurance will kick in to offer extra coverage and protection. Some of the common insurances that it covers are homeowners, auto and even boat insurance. It's also known as 'excess liability insurance' and provides additional protection against liability claims and lawsuits.\"}),/*#__PURE__*/e(\"p\",{children:\"Umbrella insurance covers a broad range of scenarios, including physical injury to your body, property damage, certain lawsuits as well as and personal liability situations such as slander and libel. It's a comprehensive personal liability (CPL) solution designed to protect your assets from unexpected events. High net worth individuals often consider umbrella insurance to be a crucial part of their risk management strategy.\"}),/*#__PURE__*/e(\"p\",{children:\"However, umbrella insurance isn't only exclusive to the wealthy. Anyone with personal assets that could b at risk in a lawsuit can benefit from this coverage. It's about safeguarding what you've worked hard to build, ensuring your financial tightrope has a strong safety net.\"}),/*#__PURE__*/e(\"img\",{alt:\"what is umbrella insurance\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,Tjxw83zSMH791i8k0vEvfyoDKqg.jpg\",\"data-framer-height\":\"3456\",\"data-framer-width\":\"5184\",height:\"1728\",src:\"https://framerusercontent.com/images/Tjxw83zSMH791i8k0vEvfyoDKqg.jpg?scale-down-to=4096\",style:{aspectRatio:\"5184 / 3456\"},width:\"2592\"})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"How Umbrella Insurance Works\"}),/*#__PURE__*/e(\"p\",{children:\"Understanding how umbrella insurance works is key to recognizing its value. Picture it as a backup to your primary or 'underlying' insurance policies. When you've maxed out the limits of your homeowners or auto insurance due to a significant claim or lawsuit, umbrella insurance will come into play.\"}),/*#__PURE__*/e(\"p\",{children:\"Here's an example of when umbrella insurance could kick in: Let's say you're involved in a car accident that happens to be your fault. The medical bills from the injured passengers amount to $500,000 but your auto insurance policy has a limit of $300,000 for bodily injury liability. In this case, your umbrella insurance would come into play here and cover the remaining $200,000. Without having the extra coverage, you would have to find a way to cover these costs, most likely coming out of your personal assets.\"}),/*#__PURE__*/e(\"p\",{children:\"In addition to covering the overflow of costs, umbrella insurance also helps with legal defense costs. If you're sued, your umbrella policy would cover your lawyer fees, court costs, and other legal expenses, providing crucial lawsuit protection. Umbrella insurance is the financial buffer you hope you'll never need, but will be glad to have if you do.\"})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"What Umbrella Insurance Covers\"}),/*#__PURE__*/e(\"p\",{children:\"Umbrella insurance is designed to provide broad coverage. Besides property damage and bodily injury liabilities that result from severe car accidents or accidents at your home, it also extends to personal injuries. Often overlooked, these situations are harmful in a non-physical way and can lead to hefty lawsuits.\"}),/*#__PURE__*/e(\"p\",{children:\"Here are some key areas that umbrella insurance typically covers:\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Bodily Injury Liability\"}),\": If an accident caused by you leads to someone else's injury, umbrella insurance can cover the associated costs. This could include medical bills and potential liability claims.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Property Damage\"}),\": Umbrella insurance covers the cost of damage caused by you to someone else's property. For instance, if your dog causes damage to a neighbor's home, your policy could help pay for the repairs.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Personal Liability Situations\"}),\": These involve non-physical damages. For instance, if you're sued for libel (written defamation) or slander (spoken defamation), your umbrella policy can help cover the associated costs.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Legal Defense Costs\"}),\": If a covered claim leads to a lawsuit, your policy can cover your legal defense costs, regardless of the lawsuit's outcome.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"Essentially, umbrella insurance provides extra peace of mind by covering a variety of incidents that could otherwise be financially devastating.\"}),/*#__PURE__*/e(\"img\",{alt:\"what umbrella insurance covers\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,vZBWih70wHetuaOec9HOJ5CVoGI.jpg\",\"data-framer-height\":\"1728\",\"data-framer-width\":\"2592\",height:\"864\",src:\"https://framerusercontent.com/images/vZBWih70wHetuaOec9HOJ5CVoGI.jpg\",style:{aspectRatio:\"2592 / 1728\"},width:\"1296\"}),/*#__PURE__*/e(\"h2\",{children:\"What Is Not Covered By An Umbrella Policy\"}),/*#__PURE__*/e(\"p\",{children:\"While umbrella insurance offers expansive coverage, there are certain situations and types of damage it typically doesn't cover. It's essential to know these exclusions to avoid misunderstandings and ensure adequate protection:\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Personal Belongings\"}),\": Umbrella insurance does not cover damage to your own property or possessions. For this, you would need homeowners or renters insurance.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Business Losses\"}),\": If you own a business, any losses related to it won't typically be covered by a personal umbrella policy. A separate commercial umbrella policy would be required.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Intentional or Illegal Acts\"}),\": If damage or harm is caused intentionally or as a result of illegal activities, an umbrella policy will not provide coverage.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Contractual Liability\"}),\": Umbrella insurance generally doesn't cover liability you assume under a contract. If you've signed a contract that holds you responsible for certain risks, those would not typically be covered.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Liabilities covered by other insurance\"}),\": Liabilities that are typically covered by other specific insurances (like professional liability or workers' compensation) are usually not covered by a personal umbrella policy.\"]})})]}),/*#__PURE__*/e(\"img\",{alt:\"What Is Not Covered By An Umbrella Policy\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,y4BknZagfwCXILuWJOE12i8jS8Q.jpg\",\"data-framer-height\":\"2304\",\"data-framer-width\":\"3456\",height:\"1152\",src:\"https://framerusercontent.com/images/y4BknZagfwCXILuWJOE12i8jS8Q.jpg\",style:{aspectRatio:\"3456 / 2304\"},width:\"1728\"}),/*#__PURE__*/e(\"h2\",{children:\"Do You Need an Umbrella Insurance Policy?\"}),/*#__PURE__*/e(\"p\",{children:\"Whether you need an umbrella insurance policy or not isn't always straightforward. Here are some of  depends on numerous things your personal circumstances, the level of risk you're comfortable with, and the assets you're looking to protect.\"}),/*#__PURE__*/e(\"p\",{children:\"Here are some factors to consider:\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Personal Risk\"}),\": If your lifestyle or situation puts you at a higher risk of liability claims \u2013 perhaps you host large gatherings frequently, own a swimming pool, or have a teenage driver \u2013 umbrella insurance could provide valuable protection.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Assets\"}),\": The more assets you have, the more you have to lose. If your savings, property, or other assets exceed the limits of your auto or homeowners insurance, an umbrella policy will provide additional protection.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Future Income\"}),\": A court can order wage garnishments as part of a legal judgment. Umbrella insurance can protect your future earnings from being seized.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Peace of Mind\"}),\": If the thought of a large lawsuit or claim makes you uneasy, umbrella insurance can provide comfort, knowing you have an additional layer of protection.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"While it's often associated with the wealthy, umbrella insurance can benefit anyone looking to safeguard their assets and financial future. It's a cost-effective way to ensure that one unfortunate incident doesn't derail your financial stability. As always, it's best to consult with an insurance professional to determine what level of coverage fits your needs and circumstances.\"}),/*#__PURE__*/e(\"img\",{alt:\"Do you need an Umbrella Insurance Policy\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,Jw3l2RoULaokA97z3IG2xRwfTY.jpg\",\"data-framer-height\":\"3578\",\"data-framer-width\":\"5367\",height:\"1789\",src:\"https://framerusercontent.com/images/Jw3l2RoULaokA97z3IG2xRwfTY.jpg?scale-down-to=4096\",style:{aspectRatio:\"5367 / 3578\"},width:\"2683\"}),/*#__PURE__*/e(\"h2\",{children:\"How Much Umbrella Insurance Is Right For You\"}),/*#__PURE__*/e(\"p\",{children:\"Determining the right amount of umbrella insurance requires a careful evaluation of your personal situation. Things you should consider when exploring how much coverage you need:\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Net Worth\"}),\": A key starting point is to assess your current net worth - the total of your assets minus liabilities. Consider an umbrella policy that covers at least this amount to protect your assets.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Potential Risk Factors\"}),\": Evaluate your potential exposure to risk. Do you own a home? Have a swimming pool? Teenage drivers? The higher the risk, the more coverage you may need.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Future Income\"}),\": If you're in the early stages of your career with significant earning potential, securing an umbrella policy that also considers your future income is a wise move. A lawsuit could potentially target future earnings, not just your current assets.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Lifestyle\"}),\": If you frequently engage in activities that could increase your liability risk, such as hosting large parties, owning pets, or leading a high-profile life, you may want to consider more coverage.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"Remember, the goal of umbrella insurance is to protect your financial stability, both now and in the future. Therefore, it's advisable to reassess your umbrella insurance needs regularly or when your personal life changes significantly. As always, consulting with an insurance professional can provide tailored guidance.\\\\\"}),/*#__PURE__*/e(\"img\",{alt:\"How Much Umbrella Insurance Is Right For You\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,EltYNvB5RHDJoXobj0MfnQmsPv0.jpg\",\"data-framer-height\":\"2129\",\"data-framer-width\":\"3500\",height:\"1064\",src:\"https://framerusercontent.com/images/EltYNvB5RHDJoXobj0MfnQmsPv0.jpg\",style:{aspectRatio:\"3500 / 2129\"},width:\"1750\"}),/*#__PURE__*/e(\"h2\",{children:\"Cost of Umbrella Insurance\"}),/*#__PURE__*/e(\"p\",{children:\"The cost of umbrella insurance is influenced by several factors, including the amount of coverage you choose, your personal risk factors, and the insurance company you select. In general, umbrella insurance is surprisingly affordable, given the extensive protection it provides.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"For a $1 million policy, you can typically expect to pay between $150 to $300 per year. As you increase your coverage, the cost for each additional $1 million of coverage is often less than the first million.\"}),/*#__PURE__*/e(\"p\",{children:\"Every insurance company has its own way of coming up with prices so it\u2019s recommended to get quotes from multiple insurers. While the cost of umbrella insurance is an additional expense, it provides a substantial safety net. For many, the peace of mind that comes with that is worth the price.\"}),/*#__PURE__*/e(\"img\",{alt:\"Cost of Umbrella Insurance\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,wGZnHcHNZ6cOdbhnRXPuN0A034.jpg\",\"data-framer-height\":\"3884\",\"data-framer-width\":\"5826\",height:\"1942\",src:\"https://framerusercontent.com/images/wGZnHcHNZ6cOdbhnRXPuN0A034.jpg?scale-down-to=4096\",style:{aspectRatio:\"5826 / 3884\"},width:\"2913\"}),/*#__PURE__*/e(\"h2\",{children:\"How To Buy Umbrella Insurance\"}),/*#__PURE__*/e(\"p\",{children:\"Purchasing umbrella insurance is a straightforward process, but it does require some preconditions and careful consideration.\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Underlying Insurance\"}),\": Most insurers require you to have certain minimum limits on your underlying policies, such as your homeowners or auto insurance, before you can purchase an umbrella policy. These requirements vary by insurer, but commonly, you might need $250,000 to $300,000 of liability coverage on your auto policy and $300,000 of liability coverage on your homeowners policy.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Choose Your Coverage\"}),\": Determine how much coverage you need. Coverage typically starts at $1 million and goes up, often as high as $5 million or even $10 million.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Shop Around\"}),\": Different insurers have different pricing structures and requirements. It's a good idea to get quotes from several insurance companies. You might find the best deal from your existing insurer since many companies offer discounts for bundling policies.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Apply\"}),\": Once you've decided on a provider and coverage level, you can apply for the policy. The insurer might ask a series of questions about your property, recreational habits, employment, and other factors to determine your risk level.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Policy Review\"}),\": Once your application is approved, carefully review your policy to understand what's covered and what isn't. If you're unsure about anything, ask your insurer or agent to clarify.\"]})})]}),/*#__PURE__*/e(\"img\",{alt:\"How To Buy Umbrella Insurance\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,h4WKMNv17wX1s59AHs3KN7WU8s4.jpg\",\"data-framer-height\":\"3980\",\"data-framer-width\":\"5970\",height:\"1990\",src:\"https://framerusercontent.com/images/h4WKMNv17wX1s59AHs3KN7WU8s4.jpg?scale-down-to=4096\",style:{aspectRatio:\"5970 / 3980\"},width:\"2985\"}),/*#__PURE__*/e(\"h2\",{children:\"Don't Let a Drizzle Turn Into A Storm\"}),/*#__PURE__*/e(\"p\",{children:\"Umbrella insurance can be an essential tool in your financial kit. It provides that extra layer of protection when your basic insurance policies aren't enough, shielding you from the financial turmoil that can come from unexpected events. Whether you're just starting your career or have built a significant asset base, it's worth considering an umbrella policy. Remember, it's not just about protecting what you have today, but safeguarding your financial future. Consult with an insurance professional to ensure you're adequately covered.\"})]}),[g]:!0,[p]:\"Discover the power of umbrella insurance. From covering excess liabilities to safeguarding your assets, dive into its benefits and find out if it's the backup plan you need.\",[f]:\"10 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!0,[A]:!1,[S]:!1},{id:\"z4pHA2blY\",[i]:\"How To Start Investing In Stocks: Unlocking Financial Success\",[s]:\"how-to-start-investing-in-stocks\",[c]:\"July 5, 2023\",[l]:\"Investing\",[h]:j({src:\"https://framerusercontent.com/images/ESadydQNQmPhEkfwFmLuEbJl6c.jpg?scale-down-to=4096\",srcSet:\"https://framerusercontent.com/images/ESadydQNQmPhEkfwFmLuEbJl6c.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/ESadydQNQmPhEkfwFmLuEbJl6c.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/ESadydQNQmPhEkfwFmLuEbJl6c.jpg?scale-down-to=2048 2048w, https://framerusercontent.com/images/ESadydQNQmPhEkfwFmLuEbJl6c.jpg?scale-down-to=4096 4096w, https://framerusercontent.com/images/ESadydQNQmPhEkfwFmLuEbJl6c.jpg 6000w\"},\"how to start investing in stocks\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Embarking on a journey into the world of stock market investing can feel overwhelming. With an endless amount of information, unfamiliar terminology, and the constant buzz of market trends, it's easy to feel lost. But fear not! This guide aims to equip you with an introduction to some of the key fundamental concepts to understand and teach you how to start investing in stocks. Let\u2019s dive in.\"}),/*#__PURE__*/e(\"h2\",{children:\"Introduction to the Stock Market\"})]}),[u]:/*#__PURE__*/e(r.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"So what is the stock market exactly? The stock market is a marketplace for buying and selling shares of publicly traded companies. This marketplace operates through a network of exchanges, you may have heard of the New York Stock Exchange (NYSE) or the Nasdaq. Companies list shares of their stock on a public exchange to raise money to grow their business.\\xa0\"})}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Once shares are listed on a public exchange, investors can then buy and sell them amongst themselves with the exchange tracking the supply and demand of each listed stock. The stock market acts as an auction house between buyers and sellers. In other words, a stock\u2019s price is reflected by what a buyer is willing to pay and a seller is willing to accept.\"}),/*#__PURE__*/e(\"p\",{children:\"Stock tickers, also known as ticker symbols, are used by exchanges to facilitate orders every day and make it easier for investors to identify individual companies - for example Apple\u2019s ticker is AAPL, Walmart\u2019s ticker is WMT, and Microsoft\u2019s ticker is MSFT.\"}),/*#__PURE__*/e(\"img\",{alt:\"introduction to the stock market\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,ANia9AyLBgqEsfB68X7R78yF4.jpg\",\"data-framer-height\":\"4912\",\"data-framer-width\":\"7360\",height:\"2456\",src:\"https://framerusercontent.com/images/ANia9AyLBgqEsfB68X7R78yF4.jpg?scale-down-to=4096\",style:{aspectRatio:\"7360 / 4912\"},width:\"3680\"}),/*#__PURE__*/e(\"h2\",{children:\"How the Stock Market is Tracked\"}),/*#__PURE__*/e(\"p\",{children:\"The stock market\u2019s performance is often tracked through the price of a broad market index, which is a specific group of stocks that represents a portion of the overall market. The three most commonly referenced U.S. stock market indexes are: Standard & Poor\u2019s 500 Index (\u201CS&P 500\u201D), Nasdaq Composite Index (\u201CNasdaq\u201D), and Dow Jones Industrial Average (the \u201CDow\u201D or \u201CDJIA\u201D).\\xa0\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"S&P 500\"}),\": Established in 1957, the S&P 500 includes 500 of the largest publicly traded companies in the U.S. It is often considered the best representation of the U.S. stock market and a leader for the U.S. economy. The index is \u201Cmarket-cap weighted\u201D which means companies that are worth more are given greater weight in the index and vice versa.\\xa0\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Nasdaq\"}),\": Launched in 1971, the Nasdaq Composite Index includes both domestic and international stocks listed on the Nasdaq exchange. The index is heavily weighted towards technology companies and is particularly useful in evaluating the health of the technology sector. Similar to the S&P, the Nasdaq is market-cap weighted.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"The Dow\"}),\": Composed of 30 large U.S.-based (\u201Cblue-chip\u201D) companies across various industries except utilities and transportation, the Dow was first calculated in 1896. Unlike the S&P and Nasdaq, the Dow is price-weighted, meaning stocks with higher share prices are given greater weight in the index.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"Companies are added and removed from these indexes based on a variety of factors. As of the writing of this article (July 2023), an example of a company in each Index: Johnson & Johnson (S&P 500), Amazon (Nasdaq), and Apple (DJIA). Some companies are included in more than one index - for example, Apple is a member of all three of these indexes.\"}),/*#__PURE__*/e(\"img\",{alt:\"how the stock market is tracked\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,hH1rmOOSfKNslL6RzraAayqjyEw.jpg\",\"data-framer-height\":\"3593\",\"data-framer-width\":\"5389\",height:\"1796\",src:\"https://framerusercontent.com/images/hH1rmOOSfKNslL6RzraAayqjyEw.jpg?scale-down-to=4096\",style:{aspectRatio:\"5389 / 3593\"},width:\"2694\"}),/*#__PURE__*/e(\"h2\",{children:\"How To Measure Stock Market Performance\"}),/*#__PURE__*/e(\"p\",{children:\"Index prices are calculated based on the prices of the stocks that make up that specific index. Based on its weighting in the index, each stock contributes to the index's price. As the prices of stocks change, the price of the index will change as well. For example, if the price of the S&P 500 index was 3,000 one day and 3,030 the next, that would indicate that the total market value of the 500 companies in the index (weighted according to their market capitalizations) had increased by 1% over that period.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"When it comes to tracking performance, investors usually measure the change in the price of the index over a specific period of time (e.g., daily, year-to-date, 1 year, 3 year, 5 year, etc.). You should look at both the percentage change in the price of an index as well as the absolute change. However, percentage change can provide a more intuitive sense for how much the overall value of the companies in the index has increased or decreased.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"By comparing the performance of their own stock portfolio to that of the indexes, investors can get a sense of how well their investments are doing in relation to the broader market.\\xa0\"}),/*#__PURE__*/e(\"img\",{alt:\"How To Measure Stock Market Performance\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,UKyRIGag88HCFGr1epSKVviEgE.jpg\",\"data-framer-height\":\"3915\",\"data-framer-width\":\"5872\",height:\"1957\",src:\"https://framerusercontent.com/images/UKyRIGag88HCFGr1epSKVviEgE.jpg?scale-down-to=4096\",style:{aspectRatio:\"5872 / 3915\"},width:\"2936\"}),/*#__PURE__*/e(\"h2\",{children:\"Navigating the Trade-off Between Risk and Reward\"}),/*#__PURE__*/e(\"p\",{children:\"While the stock market has historically generated attractive returns, it\u2019s important to understand that past performance isn\u2019t indicative of future results. Investing always comes with some degree of risk. In order to achieve higher potential returns, you must be willing to accept a higher level of risk.\"}),/*#__PURE__*/e(\"p\",{children:\"Higher-risk investments are generally those with a higher degree of volatility. This means they can experience significant price fluctuations in a short period. Stocks are typically considered to be higher-risk investments. While they can provide substantial returns, they can also lead to significant losses.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Lower-risk investments on the other hand are those that have less volatility and more predictability. Bonds, for instance, are often seen as lower-risk investments. Bonds provide regular interest payments and return the principal amount at maturity. However, their potential returns are typically lower than those of stocks.\"}),/*#__PURE__*/e(\"p\",{children:\"The key to navigating the risk-reward trade-off is to align it with your personal risk tolerance and financial goals. You should establish a balance of high-risk and low-risk investments in your portfolio that align with your long-term goals, financial needs, and ability to tolerate market fluctuations. By spreading your investments across a variety of assets, you can aim for higher potential returns while also protecting yourself from potential losses.\"}),/*#__PURE__*/e(\"img\",{alt:\"Risk and Reward\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,VL64WhbqeXfR3BL5RoPb0uD6jw.jpg?originalFilename=pexels-pixabay-269630.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/VL64WhbqeXfR3BL5RoPb0uD6jw.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"}),/*#__PURE__*/e(\"h2\",{children:\"Understanding the Importance of Diversification\"}),/*#__PURE__*/e(\"p\",{children:\"Imagine putting all your savings into the stock of a single company. Now, what happens if that company's stock price tanks? Your entire investment goes down with it. That's why one of the fundamental principles of investing is diversification. Diversification in investing means spreading your investments across a variety of assets to reduce risk.\"}),/*#__PURE__*/e(\"p\",{children:\"In the context of a stock market portfolio, diversification involves investing in a mix of companies and sectors. If one stock or sector performs poorly, you may be able to balance out your losses if other stocks in your portfolio perform well.\"}),/*#__PURE__*/e(\"p\",{children:\"Remember, while diversification can reduce risk, it doesn't eliminate it. It's still possible to lose money when investing in the stock market. However, a diversified portfolio can help protect you against the volatility of the market.\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,VBR5SpspTZuR1dH3QzYt9dILehE.jpg\",\"data-framer-height\":\"3505\",\"data-framer-width\":\"4983\",height:\"1752\",src:\"https://framerusercontent.com/images/VBR5SpspTZuR1dH3QzYt9dILehE.jpg?scale-down-to=4096\",style:{aspectRatio:\"4983 / 3505\"},width:\"2491\"}),/*#__PURE__*/e(\"h2\",{children:\"Time in the Market Beats Timing the Market\"}),/*#__PURE__*/e(\"p\",{children:'Many inexperienced investors fall into the trap of trying to time the market \u2014 that is, attempting to buy stocks at their lowest prices and sell at their highest. However, even the most seasoned financial experts struggle to consistently predict market highs and lows accurately. This is why one of the most respected philosophies in investing is that \"time in the market beats timing the market.\"'}),/*#__PURE__*/e(\"p\",{children:\"What does this mean? Simply put, it means that long-term investing is typically more beneficial than short-term trading. The stock market tends to increase in value over time, despite its short-term fluctuations.\"}),/*#__PURE__*/e(\"p\",{children:\"It's also worth noting that some of the stock market's best days often follow some of the worst. If you're not consistently invested, you could miss these valuable days of recovery and growth. Therefore, consistently investing and holding your investments for the long term, regardless of market conditions, is often the most effective strategy. This approach requires patience and discipline. It may be tempting to sell when the market is down, but this could lock in your losses and leave you out of the market during a potential recovery.\"}),/*#__PURE__*/e(\"img\",{alt:\"Time in the Market Beats Timing the Market\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,crBVFrueYoyeZZtLXKhHYUomA.jpg\",\"data-framer-height\":\"3448\",\"data-framer-width\":\"5168\",height:\"1724\",src:\"https://framerusercontent.com/images/crBVFrueYoyeZZtLXKhHYUomA.jpg?scale-down-to=4096\",style:{aspectRatio:\"5168 / 3448\"},width:\"2584\"}),/*#__PURE__*/e(\"h2\",{children:\"Reducing Market Timing Risk through Dollar-Cost Averaging\"}),/*#__PURE__*/e(\"p\",{children:\"One way that investors can reduce the risk of market timing and volatility is through a strategy known as dollar-cost averaging (DCA). DCA involves investing a fixed amount of money into a specific investment, such as a stock, on a regular schedule, regardless of the asset\u2019s price. To help put DCA into simpler terms, let\u2019s use a practical example with the stock market. Suppose you decide to invest $100 every month in Company X's stock.\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/e(\"p\",{children:\"In the first month, the price of Company X\u2019s stock is $10, so with your $100 you buy 10 shares.\\xa0\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/e(\"p\",{children:\"In the second month, the price of Company X\u2019s stock goes up to $20.You still spend $100, but now you only get 5 shares because the price has increased.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/e(\"p\",{children:\"In the third month, let\u2019s say the price drops to $5. With your $100, you now buy 20 shares.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"So over three months, you\u2019ve invested a total of $300 ($100 each month), and you have 35 shares. The average price of the shares you bought is $300/35 or $8.57 per share. This is lower than the $10 or $20 price you would\u2019ve paid if you bought all the shares in the first or second month. It\u2019s also higher than the $5 price in the third month, but you reduce your risk by not trying to time the market.\"}),/*#__PURE__*/e(\"p\",{children:\"This strategy can help you avoid making a large investment when the price is at its peak, and it also removes the stress of trying to time the market perfectly. It's a long-term strategy that focuses on consistency and discipline rather than trying to predict market movements.\"}),/*#__PURE__*/e(\"img\",{alt:\"Reducing Market Timing Risk\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,SEV65fyc5bNAFC3QX7qAP0M10.jpg\",\"data-framer-height\":\"3264\",\"data-framer-width\":\"4896\",height:\"1632\",src:\"https://framerusercontent.com/images/SEV65fyc5bNAFC3QX7qAP0M10.jpg?scale-down-to=4096\",style:{aspectRatio:\"4896 / 3264\"},width:\"2448\"}),/*#__PURE__*/e(\"h2\",{children:\"Capitalizing on the Magic of Compounding Interest\"}),/*#__PURE__*/e(\"p\",{children:\"One of the most powerful forces in investing is compounding interest, often dubbed the 'eighth wonder of the world'. But what exactly is it? Compounding interest is the process where the interest or return on your investment earns more interest over time. When you invest in the stock market, any returns you earn will compound over longer periods of time. This dynamic creates a snowball effect, where the size of your investment can grow faster and faster.\"}),/*#__PURE__*/e(\"p\",{children:\"For example, let's say you invest $5,000 into the stock market and it has an average annual return of 7%. After the first year, your investment grows by 7%, which is $350. Now you now have $5,350. After the second year, you earn another 7%, but this time it\u2019s on the total amount of $5,350, which results in $374.50. So your total investment is now $5,724.50. After the third year, your 7% return is now on the amount of $5,724.50, generating $400.71 in returns.\"}),/*#__PURE__*/e(\"p\",{children:\"This process continues for as long as you leave your money invested. If you leave your money in this investment for 30 years, your initial $5,000 investment would grow to over $38,000. This increase is due to the power of compounding interest.\\xa0\"}),/*#__PURE__*/e(\"img\",{alt:\"Capitalizing on the Magic of Compounding Interest\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,bAVIoteRfamkahoe7FShwyTXjc.jpg\",\"data-framer-height\":\"3525\",\"data-framer-width\":\"5121\",height:\"1762\",src:\"https://framerusercontent.com/images/bAVIoteRfamkahoe7FShwyTXjc.jpg?scale-down-to=4096\",style:{aspectRatio:\"5121 / 3525\"},width:\"2560\"}),/*#__PURE__*/e(\"h2\",{children:\"Taking the First Steps To Investing\"}),/*#__PURE__*/e(\"p\",{children:\"Now that we\u2019ve covered the fundamentals, you\u2019re probably wondering, \u201CHow do I actually start investing in the stock market?\u201D Before you start investing, it's crucial to understand your financial goals. Are you saving for a down payment on a house, funding your retirement, or building an emergency fund? The duration and purpose of your investment will help guide your strategy.\"}),/*#__PURE__*/e(\"p\",{children:\"Next you\u2019ll want to assess your risk tolerance. This is a personal assessment of how much risk you're comfortable taking on. If the thought of your investments losing value keeps you up at night, you might want to lean towards more conservative investments. Conversely, if you're comfortable with ups and downs in the pursuit of higher returns, you might be okay with riskier investments.\"}),/*#__PURE__*/e(\"p\",{children:\"If you\u2019re comfortable with the relatively higher risk-return tradeoff of stocks and want to start investing in the stock market, you'll need to open an investment account with a financial institution. Some reputable institutions that offer these sorts of accounts include Fidelity Investments, Vanguard, and Charles Schwab. Each of these institutions provide online platforms that make the process of opening an account very simple and straightforward.\"}),/*#__PURE__*/t(\"p\",{children:[\"An investment account can take the form of a standard brokerage account, or a tax-advantaged account like an \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/401-k-vs-roth-ira-vs-traditional-roth\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Individual Retirement Account (IRA) or a 401(k) through your employer\"})}),\". These accounts have different benefits and rules. It is important to understand the differences between account types before opening an account.\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[\"Once you open an investment account, you\u2019ll need to determine how you want to invest in the\\xa0 stock market. Some common ways that people invest in the stock market include: Individual Stocks, \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"index-funds-vs-mutual-funds-vs-etfs\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"n5cJQrMEK\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Mutual Funds, Exchange-Traded Funds (ETFs), and Index Funds\"})}),\".\"]}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Individual Stocks\"}),\": Buying individual stocks allows you to own a piece of a company. You make money when the stock's price goes up and you sell it for more than you paid. You might also receive dividends, which are a portion of the company's profits distributed to shareholders.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Mutual Funds\"}),\": These are investment vehicles that pool money from many investors to purchase a diversified portfolio of stocks, bonds, or other assets. They're managed by professional fund managers. Mutual funds can be a good option if you're looking for diversification and professional management.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"ETFs\"}),\": Similar to mutual funds, these vehicles pool investor money to purchase a diversified portfolio of assets. ETFs trade on an exchange like individual stocks, offer diversification, and are often designed to track specific indexes. One of the most well-known examples of an ETF is the SPDR S&P 500 ETF Trust, which trades under the ticker symbol SPY.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Index Funds\"}),\": These are a type of mutual fund or ETFs that aims to replicate the performance of a specific index like the S&P 500, Nasdaq, and DJIA. These funds offer a way to invest in a large segment of the market, providing broad diversification.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"A good starting point for beginner investors is a broad market fund, like an index fund or ETF. These funds provide instant diversification and are often recommended for beginners due to their simplicity and low fees.\"}),/*#__PURE__*/e(\"p\",{children:\"After you start investing in the stock market, it can be helpful to remember to continue to add to your investments. Consistently adding money to your investments can significantly boost your returns over time thanks to compounding interest.\"}),/*#__PURE__*/e(\"p\",{children:\"The world of investing is complex and ever-changing. Keep educating yourself about different investment strategies, asset types, and financial news.\"}),/*#__PURE__*/e(\"img\",{alt:\"First Steps To Investing\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,S8msreKwyy1GP2MtKBuuMnXXXA.jpg\",\"data-framer-height\":\"2404\",\"data-framer-width\":\"3600\",height:\"1202\",src:\"https://framerusercontent.com/images/S8msreKwyy1GP2MtKBuuMnXXXA.jpg\",style:{aspectRatio:\"3600 / 2404\"},width:\"1800\"}),/*#__PURE__*/e(\"h2\",{children:\"Ride The Wave To Better Destinations\"}),/*#__PURE__*/t(\"p\",{children:[\"That's a quick guide on how to start investing in the stock market. Remember, investing isn't about quick wins; it's about patiently growing wealth over time. Hiatus will \",/*#__PURE__*/e(n,{href:\"https://hiatus.app/?utm_source=hiatus_blog&utm_medium=organic&utm_campaign=how_to_start_investing_in_stocks\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"keep track of your net worth\"})}),\" all in one place. As you begin your investing journey, keep these principles in mind, continue learning, and never be afraid to ask questions.\"]})]}),[g]:!0,[p]:\"Dive into the world of investing with our beginner's guide to the stock market. Uncover the basics, understand key concepts, and kickstart your journey to financial success!\",[f]:\"10 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!0,[A]:!1,[S]:!1},{id:\"fwgZzGjkf\",[i]:\"401(k) vs Roth IRA vs Traditional Roth: What\u2019s right for you?\",[s]:\"401-k-vs-roth-ira-vs-traditional-roth\",[c]:\"June 24, 2023\",[l]:\"Investing\",[h]:j({src:\"https://framerusercontent.com/images/9IfcdRGAZEWRgtjv9SOMM06z7Oo.jpg\",srcSet:\"https://framerusercontent.com/images/9IfcdRGAZEWRgtjv9SOMM06z7Oo.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/9IfcdRGAZEWRgtjv9SOMM06z7Oo.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/9IfcdRGAZEWRgtjv9SOMM06z7Oo.jpg 1280w\"},\"401k vs roth ira vs traditional roth\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"No matter what stage of life you're in, it is never too early to start saving for retirement. Small decisions today can have a big impact on your future. There are various types of retirement accounts, each with its own unique rules and benefits. The most common retirement savings plans include employer-sponsored 401(k) Plans, Traditional Individual Retirement Accounts (IRA), and Roth IRAs. In this post, we'll break down these three key types of retirement savings plans to help you make an informed decision about your financial future.\"}),/*#__PURE__*/e(\"h2\",{children:\"Definitions and Basics\"}),/*#__PURE__*/e(\"h3\",{children:\"401(k) Plan\"}),/*#__PURE__*/t(\"p\",{children:[\"A \",/*#__PURE__*/e(\"strong\",{children:\"401(k) plan is an employer-sponsored retirement savings plan\"}),\". Traditional 401(k) plans allow you to make contributions to a plan on a pre-tax basis. In turn, this lowers your taxable income for the year. Some employers offer a Roth 401(k) option, which allows you to contribute to a 401(k) plan on an after-tax basis. For the 2023 tax year, the annual contribution limit for 401(k)s is $22,500. Anybody above the age of 50 is eligible to contribute up to an additional $7,500 for \u201Ccatch-up contributions\u201D to their 401(k).\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"There are instances where employers offer a matching contribution up to a certain percentage, and at times fully match what you put towards your retirement savings. The funds in your 401(k) grow tax-free. Once you hit 59 \\xbd years old, you can begin to make eligible withdrawals from a 401(k) without getting penalized. Early withdrawals typically carry a 10% penalty and substantial income tax bill.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Qualified distributions from a traditional 401(k) are subject to ordinary income tax while qualified distributions from a Roth 401(k) are generally not taxable. If you go the 401(k) route, it's mandatory that you begin drawing down your 401(k) savings when you turn 72 years old. At this point, a required minimum distribution (RMD) must be taken each year until your account is depleted.\"}),/*#__PURE__*/e(\"img\",{alt:\"401k plan\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,GcDo0OSofpgWRtjlvVWbjH7Wis.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/GcDo0OSofpgWRtjlvVWbjH7Wis.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"}),/*#__PURE__*/e(\"h3\",{children:\"IRA\"})]}),[u]:/*#__PURE__*/e(r.Fragment,{children:/*#__PURE__*/t(\"p\",{children:[\"While you might already be invested in an employer-sponsored plan, an IRA allows you to save for your retirement on the side, and also potentially \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-save-money-fast-on-a-low-income\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"hoWturXQx\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"save on taxes\"})}),\". Here are two different types of individual retirement accounts:\"]})}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h4\",{children:\"Traditional IRA\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"A Traditional Individual Retirement Account (IRA) is a type of retirement savings account that allows you to make pre-tax contributions.\"}),\" The money that you contribute can reduce your taxable income for the year, potentially placing you in a lower tax bracket. Funds in a Traditional IRA grow tax-free. Contributions to a traditional IRA are not limited by how much you make annually, meaning that anyone with an earned income is eligible to participate. However, one thing to consider is that your contribution may not be fully deductible.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"When it comes to contributions, there is a limit to how much you can put in. For all your IRAs (Traditional and Roth) combined, the most money that you can contribute is $6,500 if you're under 50 years old and $7,500 if you\u2019re 50 or older for tax year 2023. The deadline to make a Traditional IRA contribution for the current tax year is typically April 15 of the following tax year. Individuals can make eligible withdrawals from Traditional IRAs without any penalty after age 59\\xbd. These distributions will be taxed as ordinary income. Traditional IRAs impose RMDs after you turn 73 years old.\"}),/*#__PURE__*/e(\"h4\",{children:\"Roth IRA\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"A Roth IRA is a type of retirement savings account that allows you to make after-tax contributions.\"}),\" The money you put into a Roth IRA has already been taxed as part of your income and does not give you any current-year tax benefits. Funds in a Roth IRA grow tax-free. Eligibility to contribute to a Roth IRA is phased out beyond certain income limits. If you file taxes as a single person, your Modified Adjusted Gross Income (MAGI) must be under $153,000 for tax year 2023 to contribute to a Roth IRA, and if you're married and file jointly, your MAGI must be under $228,000 for tax year 2023.\"]}),/*#__PURE__*/e(\"p\",{children:\"As mentioned before, $6,500 is the maximum annual contribution for all your IRAs if you're under 50 and $7,500 if you're older 50 for tax year 2023. Individuals can make eligible withdrawals from Traditional IRAs without penalty after age 59\\xbd. Those distributions are generally tax-free. There are no RMDs for a Roth IRA.\"}),/*#__PURE__*/e(\"img\",{alt:\"IRA Investment\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,QRFHdNi4jEoKCCDvdxJjHYckiM.jpg?originalFilename=pexels-mikhail-nilov-6609238.jpg\",\"data-framer-height\":\"5304\",\"data-framer-width\":\"7952\",height:\"2652\",src:\"https://framerusercontent.com/images/QRFHdNi4jEoKCCDvdxJjHYckiM.jpg?scale-down-to=4096\",style:{aspectRatio:\"7952 / 5304\"},width:\"3976\"}),/*#__PURE__*/e(\"h2\",{children:\"Advantages and Disadvantages\"}),/*#__PURE__*/t(\"p\",{children:[\"Just like \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/what-a-high-yield-savings-accounts-is-and-how-it-works\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"savings accounts\"})}),\", retirement savings accounts have their advantages and disadvantages as well. Some of these factors include current income, expected retirement income, tax situation, and retirement goals. Understanding these pros and cons for each type of account is an important step in making an informed decision about your long-term savings strategy.\"]}),/*#__PURE__*/e(\"h3\",{children:\"Traditional IRA Advantages\"}),/*#__PURE__*/e(\"p\",{children:\"One of the benefits for traditional IRAs is they provide immediate tax relief by reducing your taxable income in the year you contribute to your account. They offer tax-free growth, allowing your investments to compound over time without the hindrance of annual taxes. If you're expecting to be in a lower tax bracket in retirement, this can lead to significant tax savings.\"}),/*#__PURE__*/e(\"h3\",{children:\"Traditional IRA Disadvantages\"}),/*#__PURE__*/e(\"p\",{children:\"One of the main disadvantages of traditional IRAs is they require you to pay taxes upon withdrawal in retirement. Additionally, they have RMDs starting at age 72 which forces you to withdraw a certain amount of money each year. This could potentially push you into a higher tax bracket. The last disadvantage is that you get penalized for withdrawing any money before the age of 59 and a half. Any money that you withdraw from a traditional IRA is considered taxable income.\"}),/*#__PURE__*/e(\"img\",{alt:\"Traditional IRA Advantages and Disadvantages\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,51Owq4ubRc0u7FECsNeFFI3UBU.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/51Owq4ubRc0u7FECsNeFFI3UBU.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"}),/*#__PURE__*/e(\"h3\",{children:\"Advantages of 401(k) Plan\"}),/*#__PURE__*/e(\"p\",{children:\"401(k) plans allow for much higher contribution limits compared to IRAs, and they offer the added benefit of employer match programs. These match programs can significantly boost your retirement savings. Lastly, contributions to Traditional 401(k) plans can reduce your taxable income for the year which will lead to immediate tax savings.\"}),/*#__PURE__*/e(\"h3\",{children:\"Disadvantages of 401(k) Plan\"}),/*#__PURE__*/e(\"p\",{children:\"Like a Traditional IRA, withdrawals from a Traditional 401(k) in retirement are taxed. This type of retirement plan also imposes RMDs starting at age 72. Another disadvantage for 401(k) plans is that some have limited investment options, which may restrict diversification and potential returns. Just like Traditional IRAs, early withdrawals from 401(k)s can incur penalties.\"}),/*#__PURE__*/e(\"img\",{alt:\"Advantages and Disadvantages of 401k plan\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,BSMijoM6MOZOD5MWa0gns19ADM.jpg\",\"data-framer-height\":\"1376\",\"data-framer-width\":\"2048\",height:\"688\",src:\"https://framerusercontent.com/images/BSMijoM6MOZOD5MWa0gns19ADM.jpg\",style:{aspectRatio:\"2048 / 1376\"},width:\"1024\"}),/*#__PURE__*/e(\"h3\",{children:\"Roth IRA Advantages\"}),/*#__PURE__*/e(\"p\",{children:\"Roth IRAs offer tax-free growth and tax-free withdrawals in retirement, offering a source of tax-free income that can be advantageous if you expect to be in a higher tax bracket when you retire. Another pro to Roth IRAs is that they are not subject to RMDs during the owner's lifetime. This provides more flexibility for estate planning as well as extending the tax advantages.\"}),/*#__PURE__*/e(\"h3\",{children:\"Roth IRA Disadvantages\"}),/*#__PURE__*/e(\"p\",{children:\"Contributions to a Roth IRA don't reduce your taxable income in the year you make them, as they're made with after-tax dollars. Another disadvantage to Roth IRAs is that they have Income limits which means high earners may be partially or entirely ineligible to contribute.\"}),/*#__PURE__*/e(\"p\",{children:\"By understanding these advantages and disadvantages, you can better navigate your retirement planning strategy, considering your income levels, financial goals, and anticipated future tax rates.\"}),/*#__PURE__*/e(\"img\",{alt:\"Advantages and Disadvantages of Roth IRA\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,E7qFNPkddGgU6gScNmSOCs3e91Y.jpg?originalFilename=pexels-quang-nguyen-vinh-6711400.jpg\",\"data-framer-height\":\"5462\",\"data-framer-width\":\"8192\",height:\"2731\",src:\"https://framerusercontent.com/images/E7qFNPkddGgU6gScNmSOCs3e91Y.jpg?scale-down-to=4096\",style:{aspectRatio:\"8192 / 5462\"},width:\"4096\"}),/*#__PURE__*/e(\"h2\",{children:\"Comparisons Based on Different Factors\"}),/*#__PURE__*/e(\"ol\",{children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Income Bracket\"})})})}),/*#__PURE__*/e(\"p\",{children:\"If you're in a higher income bracket now but expect to be in a lower one in retirement, a Traditional IRA or Traditional 401(k) plan could be more beneficial due to the immediate tax deduction on contributions. However, if you're currently in a lower income bracket and anticipate being in a higher one in retirement, a Roth IRA or Roth 401(k) may be the better choice for its tax-free withdrawals.\"}),/*#__PURE__*/e(\"ol\",{start:\"2\",children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"High Earners\"})})})}),/*#__PURE__*/e(\"p\",{children:'High earners might find a 401(k) more attractive due to its higher contribution limits and the possibility of an employer match. However, if their income exceeds the eligibility threshold for a Roth IRA, they may miss out on the benefits of tax-free withdrawals in retirement. A workaround is the \"backdoor\" Roth IRA, which involves making non-deductible contributions to a Traditional IRA and then converting them to a Roth.'}),/*#__PURE__*/e(\"ol\",{start:\"3\",children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Young Investors\"})})})}),/*#__PURE__*/e(\"p\",{children:\"Young investors, often in lower tax brackets with plenty of time for their investments to grow, might benefit significantly from a Roth IRA. The contributions are taxed at their current lower rate, and the compounded growth can be withdrawn tax-free in retirement.\"}),/*#__PURE__*/e(\"ol\",{start:\"4\",children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Financial Goals\"})})})}),/*#__PURE__*/e(\"p\",{children:\"If your financial goal is to maximize estate size for your heirs, a Roth IRA can be advantageous since it doesn't require RMDs during the owner's lifetime, allowing the account to continue to grow.\"}),/*#__PURE__*/e(\"ol\",{start:\"5\",children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Tax Diversification\"})})})}),/*#__PURE__*/e(\"p\",{children:\"A strategy some individuals employ is tax diversification \u2013 holding a mix of accounts that are taxed differently, such as a Traditional IRA or 401(k) and a Roth IRA. This strategy allows for more flexibility in managing tax liability in retirement.\"}),/*#__PURE__*/e(\"ol\",{start:\"6\",children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Changing Tax Laws\"})})})}),/*#__PURE__*/e(\"p\",{children:\"If you believe tax rates will rise significantly in the future, it might be wise to pay taxes now at the lower rate. In this case, a Roth IRA would be a good choice.\"}),/*#__PURE__*/e(\"p\",{children:\"Ultimately, each of these factors can play a different role in what type of retirement account makes sense. Working with a financial advisor can help you make the best decision based on your personal circumstances.\"}),/*#__PURE__*/e(\"img\",{alt:\"Comparisons of 401k vs Traditional IRA vs Roth Ira\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,aveugYxpIVmSXIAdTjBUnqltgI.jpg?originalFilename=pexels-elijah-o%27donnell-2409681.jpg\",\"data-framer-height\":\"3881\",\"data-framer-width\":\"5821\",height:\"1940\",src:\"https://framerusercontent.com/images/aveugYxpIVmSXIAdTjBUnqltgI.jpg?scale-down-to=4096\",style:{aspectRatio:\"5821 / 3881\"},width:\"2910\"}),/*#__PURE__*/e(\"h2\",{children:\"Choosing the Right Retirement Savings Plan\"}),/*#__PURE__*/e(\"p\",{children:\"Deciding between a Traditional IRA, Roth IRA, or a 401(k) plan involves carefully evaluating your current financial situation, retirement goals, and tax outlook.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Current Financial Situation\"}),\": Your current income level plays a crucial role. If you are a high earner and can afford to contribute more annually, a 401(k) might be beneficial due to its higher contribution limits and potential for employer matching. On the other hand, if your income is lower now but you anticipate growth in your career, a Roth IRA might offer more advantages with its tax-free withdrawals in retirement.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Retirement Goals\"}),\": Consider when and how you plan to retire. If you plan to retire early, a Roth IRA might be more suitable since it allows for penalty-free withdrawals of contributions at any time. If you're aiming to maximize estate size, the absence of RMDs in a Roth IRA can allow for continued tax-free growth.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Tax Outlook\"}),\": Try to project your future tax situation. If you anticipate being in a higher tax bracket in retirement than you are now, a Roth IRA's tax-free withdrawals can offer significant savings. Alternatively, if you expect to be in a lower tax bracket in retirement, a Traditional IRA or 401(k) could be more beneficial due to the tax deductions on contributions.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Investment Choices\"}),\": The type of investments you want to make can also influence your decision. A 401(k) may have limited investment options compared to an IRA, which allows you to invest in a broader range of assets.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Flexibility\"}),\": Roth IRAs provide more flexibility in terms of withdrawal rules, while Traditional IRAs and 401(k)s impose penalties for early withdrawals.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Professional Guidance\"}),\": Lastly, remember that retirement planning can be complex. Don't hesitate to seek professional financial advice. An advisor can help you evaluate your situation and guide you towards the best decision for your circumstances and goals.\"]}),/*#__PURE__*/e(\"p\",{children:\"Remember, there's no one-size-fits-all solution in retirement planning. What matters most is making a choice that aligns with your unique financial landscape and long-term objectives.\"}),/*#__PURE__*/e(\"img\",{alt:\"Choosing the Right Retirement Savings Plan\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,pVvc8DwHulOeqXGStJBi2wtqfI.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/pVvc8DwHulOeqXGStJBi2wtqfI.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"}),/*#__PURE__*/e(\"h2\",{children:\"Which One is Right For You?\"}),/*#__PURE__*/e(\"p\",{children:\"Understanding the differences between a 401(k), Traditional IRA, and Roth IRA is a critical step in charting your journey towards financial stability in retirement. Each has different rules and benefits. The best choice will largely depend on your current financial situation, future income expectations, retirement goals, and tax outlook. Armed with this knowledge, you're better equipped to make an informed decision. However, remember that the complexity of financial planning often benefits from professional guidance. Don't hesitate - take control of your financial future today - your future self will thank you!\"})]}),[g]:!0,[p]:\"Looking for a retirement plan that fits with your lifestyle and goals? Learn more about the differences between 401(k)s,Roth IRAs and Traditional Roths so you can make the best decision for you.\",[f]:\"7 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!0,[A]:!1,[S]:!1},{id:\"HqsiDEJeX\",[i]:\"Is Pet Insurance Worth It? Protect Your Pet & Your Wallet\",[s]:\"is-pet-insurance-worth-it\",[c]:\"June 20, 2023\",[l]:\"Insurance\",[h]:j({src:\"https://framerusercontent.com/images/PyklEnUf6H7q0MIx4X5THfidhY.jpg\",srcSet:\"https://framerusercontent.com/images/PyklEnUf6H7q0MIx4X5THfidhY.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/PyklEnUf6H7q0MIx4X5THfidhY.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/PyklEnUf6H7q0MIx4X5THfidhY.jpg 1280w\"},\"is pet insurance worth it\"),[d]:/*#__PURE__*/e(r.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Pets bring immeasurable joy and companionship to our lives, but they also come with responsibilities. One of these includes ensuring that our beloved furry friends have proper health care. Sometimes accidents and illnesses can quickly rack up veterinary bills which can leave us in a tough spot.\\xa0\"})}),[u]:/*#__PURE__*/e(r.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"As a pet owner, you may be wondering whether pet insurance is worth investing your money in. In this blog post, we\u2019re going to discuss the pros and cons of purchasing pet insurance as well as the different types of pet insurance so you can determine if pet insurance is worth it for you.\"})}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"What is Pet Insurance?\"}),/*#__PURE__*/e(\"p\",{children:\"Pet Insurance is a specialized insurance designed to help cover the cost of veterinary bills. Just like most kinds of insurance, it\u2019s designed to provide you with peace of mind. If you purchase it, you\u2019ll be protected from the unforeseen veterinary bills related to accidents and illness, which can add up to large out-of-pocket expenses.\"}),/*#__PURE__*/e(\"img\",{alt:\"what is pet insurance\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,pRmS9Lmv7AZONz9TSZ8ymsTUU.jpg\",\"data-framer-height\":\"3360\",\"data-framer-width\":\"5040\",height:\"1680\",src:\"https://framerusercontent.com/images/pRmS9Lmv7AZONz9TSZ8ymsTUU.jpg?scale-down-to=4096\",style:{aspectRatio:\"5040 / 3360\"},width:\"2520\"}),/*#__PURE__*/e(\"h2\",{children:\"How Does Pet Insurance Work?\"}),/*#__PURE__*/e(\"p\",{children:\"When you enroll your pet in an insurance policy, you generally pay a monthly or annual premium to the insurance provider. In return, the insurance company helps cover a portion of your pet\u2019s veterinary expenses. Typically, this is done after deductibles and copayments. The specific coverage and reimbursement that you will receive depends on which plan and from which insurance provider you decide to go with. Some policies may also provide additional benefits like coverage for wellness exams, medications, and dental care.\"}),/*#__PURE__*/e(\"img\",{alt:\"how does pet insurance work\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,vM5nP9ufQsTSuIMmAw031ckYSc.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/vM5nP9ufQsTSuIMmAw031ckYSc.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"}),/*#__PURE__*/e(\"h2\",{children:\"Different Types of Pet Insurance Coverage\"}),/*#__PURE__*/e(\"p\",{children:\"Pet insurance plans offer various types of coverage, depending on what you\u2019re looking for. Some of them include accident-only plans, illness plans, and comprehensive plans. Accident-only plans generally cover emergency care resulting from accidents, while illness plans cover the diagnosis and treatment of various illnesses. Comprehensive plans usually combine accident and illness coverage, and they may also include preventive care, such as vaccinations and routine check-ups.\"}),/*#__PURE__*/e(\"img\",{alt:\"types of pet insurance\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,JlDXFGR6EeQcRmT9lvnnKmSdWc.jpg\",\"data-framer-height\":\"4160\",\"data-framer-width\":\"6240\",height:\"2080\",src:\"https://framerusercontent.com/images/JlDXFGR6EeQcRmT9lvnnKmSdWc.jpg?scale-down-to=4096\",style:{aspectRatio:\"6240 / 4160\"},width:\"3120\"}),/*#__PURE__*/e(\"h2\",{children:\"Cost of Pet Insurance\"}),/*#__PURE__*/e(\"p\",{children:\"The cost of pet insurance depends on various factors. Some of these include the pet\u2019s age, its breed, type of pet, if it has any pre-existing conditions, and the level of coverage chosen. Pet insurance policies may range anywhere from $15 to $100 per month, while some may cost more.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Some additional factors which may impact your premium include the number of pets you have, the amount of deductible chosen, and the type of coverage selected. Most policies also have limits on how much they'll cover annually, typically between $5,000 and $15,000.\"}),/*#__PURE__*/e(\"img\",{alt:\"cost of pet insurance\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,hH1rmOOSfKNslL6RzraAayqjyEw.jpg\",\"data-framer-height\":\"3593\",\"data-framer-width\":\"5389\",height:\"1796\",src:\"https://framerusercontent.com/images/hH1rmOOSfKNslL6RzraAayqjyEw.jpg?scale-down-to=4096\",style:{aspectRatio:\"5389 / 3593\"},width:\"2694\"}),/*#__PURE__*/e(\"h2\",{children:\"Advantages of Pet Insurance:\"}),/*#__PURE__*/e(\"p\",{children:\"While it might seem like vet bills can add up and cost a pretty penny, there are numerous benefits to insuring your companion.\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[\" \",/*#__PURE__*/e(\"strong\",{children:\"Peace of Mind\"}),\": One of the biggest advantages of pet insurance is the peace of mind it provides. With a comprehensive pet insurance plan, you can have confidence that your pet will receive any necessary medical attention, including preventive care, in case of an unexpected illness or injury.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Financial Protection\"}),\": Pet insurance can offer financial protection, which can help pet owners manage unforeseen veterinary bills. It makes it easier to afford costly treatments and procedures that may be otherwise unaffordable without insurance.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Customizable Policies\"}),\": Pet insurance policies can be customized to meet your pet's specific medical needs, making it convenient for pet owners who want a tailored coverage plan for their pets.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Discounts and Pet Perks\"}),\": Some pet insurance providers offer discounts and perks for pet owners. These benefits could include reward programs, discounted pet food and supplies, and free or discounted telemedicine consultations.\"]})})]}),/*#__PURE__*/e(\"img\",{alt:\"advantages of pet insurance\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,R8xsMugAiVBlkKCQIk7jIkM598k.jpg\",\"data-framer-height\":\"3549\",\"data-framer-width\":\"5324\",height:\"1774\",src:\"https://framerusercontent.com/images/R8xsMugAiVBlkKCQIk7jIkM598k.jpg?scale-down-to=4096\",style:{aspectRatio:\"5324 / 3549\"},width:\"2662\"}),/*#__PURE__*/e(\"h2\",{children:\"Disadvantages of Pet Insurance:\"}),/*#__PURE__*/e(\"p\",{children:\"Although there are a handful of benefits to pet insurance, there are also things to take into consideration as well.\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Monthly Premiums\"}),\": Pet insurance can be costly, and pet insurance premiums vary depending on the type of coverage and your pet's age and breed. This makes it a difficult choice for some pet owners who may not be able to afford the monthly fees.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Reimbursements\"}),\": Pet insurance often requires you as the pet owner to pay upfront for medical bills and then submit a claim to the insurance provider for reimbursement. Waiting for the reimbursement can be frustrating as it may take weeks and sometimes months to receive the funds.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Pre-existing Conditions\"}),\": Pet insurance does not typically cover pre-existing medical conditions. If your pet already has a pre-existing condition, it may be difficult to find a pet insurance provider that will cover your pet's medical costs.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Coverage Exclusions\"}),\": Some pet insurance policies have exclusions for certain medical conditions or treatments, which may negatively impact your pet's overall medical coverage.\"]})})]}),/*#__PURE__*/e(\"img\",{alt:\"disadvantages of pet insurance\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,yN6tl0DuhAX4MvWLiXOuMu1yCjc.jpg?originalFilename=pexels-vlada-karpovich-4050319.jpg\",\"data-framer-height\":\"4218\",\"data-framer-width\":\"6327\",height:\"2109\",src:\"https://framerusercontent.com/images/yN6tl0DuhAX4MvWLiXOuMu1yCjc.jpg?scale-down-to=4096\",style:{aspectRatio:\"6327 / 4218\"},width:\"3163\"}),/*#__PURE__*/e(\"h2\",{children:\"Evaluating the Cost-Benefit Ratio\"}),/*#__PURE__*/e(\"p\",{children:\"As a loving pet parent, providing the best healthcare for your furry friend is a top priority. But with so many factors to consider, evaluating the cost-benefit ratio of pet insurance can be overwhelming.\\xa0You should take a close look at the cost of the premiums. While they might seem like a pain, weighing them against the potential savings can make all the difference. \"}),/*#__PURE__*/e(\"p\",{children:\"The next thing you should do is compare insurance costs to potential vet expenses. Think about routine care, surgeries, and treatments for illnesses. Yeah, nobody likes to think about worst-case scenarios, but by assessing the potential expenses against the premiums, you can see if pet insurance is worth it for your fur baby.\"}),/*#__PURE__*/e(\"p\",{children:\"Lastly, pet insurance could be a life-saver (literally). With the big potential long-term savings from avoiding enormous vet bills, insurance can give you peace of mind. And, timely care is necessary to avoid costly complications further down the road.\"}),/*#__PURE__*/e(\"img\",{alt:\"disadvantages of pet insurance\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,pJVp3D8Iz9HNOjz2AsAxzYsWl4.jpg?originalFilename=pexels-cowomen-2041627.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/pJVp3D8Iz9HNOjz2AsAxzYsWl4.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"}),/*#__PURE__*/e(\"h2\",{children:\"Factors to Consider When Deciding on Pet Insurance\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Age, breed, and pre-existing conditions of the pet: \"}),\"The age and breed of your pet can influence the cost and availability of insurance coverage. Some insurance providers may have age restrictions or breed-specific conditions that affect premiums or coverage options. Additionally, pre-existing conditions your pet may have could impact their eligibility for certain coverage. Consider these factors when evaluating pet insurance plans to ensure they align with your pet's unique circumstances.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Coverage limitations, deductibles, and copayments: \"}),\"Carefully review the coverage limitations, deductibles, and copayments associated with each pet insurance plan. Coverage limitations may include annual or lifetime maximums, restrictions on certain treatments, or waiting periods for specific conditions. Deductibles are the amount you must pay before the insurance coverage kicks in, while copayments represent your share of the expenses. Assess these factors to determine if the coverage terms align with your expectations and financial capabilities.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Reviews and reputation of pet insurance providers\"}),\": Research and read reviews of different pet insurance providers to gauge their reputation and customer satisfaction. Look for insurers with a solid track record of prompt claims processing, clear communication, and excellent customer service. Positive feedback from other pet owners can provide insights into the reliability and responsiveness of the insurance company, helping you make an informed decision.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Personal financial situation and risk tolerance: \"}),\"Consider your personal financial situation and risk tolerance when deciding on pet insurance. Evaluate your ability to handle unexpected veterinary expenses without insurance, taking into account your savings, income stability, and willingness to assume financial risk. If the potential financial burden is a concern, pet insurance can offer the peace of mind and financial safety net you desire.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"By taking these factors into account, you can make a more informed decision when selecting the right pet insurance plan for your beloved companion. Remember, each pet is unique, and what works for one may not work for another. It's important to assess your specific circumstances and priorities to choose the most suitable pet insurance option. In the concluding section, we summarize the key points discussed and provide a balanced perspective on the worthiness of pet insurance.\"}),/*#__PURE__*/e(\"img\",{alt:\"deciding on pet insurance\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,55Sv9QG7fU88N8Wh42jroaqfZsc.jpg\",\"data-framer-height\":\"3000\",\"data-framer-width\":\"4200\",height:\"1500\",src:\"https://framerusercontent.com/images/55Sv9QG7fU88N8Wh42jroaqfZsc.jpg?scale-down-to=4096\",style:{aspectRatio:\"4200 / 3000\"},width:\"2100\"}),/*#__PURE__*/e(\"h2\",{children:\"Is It Worth The Investment\"}),/*#__PURE__*/t(\"p\",{children:[\"To answer the question about if pet insurance is worth it all depends on your priorities and circumstances. Pet insurance may prove invaluable if you want to provide your furry friend with excellent care without incurring undue financial strain. For those that have a tight \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/personal-budgets-what-they-are-and-why-you-need-one\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"personal budget\"})}),\" or can\u2019t handle unexpected vet bills, it can be a great option. It should be one of the expenses that is tracked since you will have to make monthly payments. The \",/*#__PURE__*/e(n,{href:\"https://hiatus.app/?utm_source=hiatus_blog&utm_medium=organic&utm_campaign=is_pet_insurance_worth_it\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Hiatus app\"})}),\" can help track all your pet expenses in one place so you can make a budget specifically for your pet.\"]}),/*#__PURE__*/e(\"p\",{children:\"However, if you have a healthy pet or a healthy savings account that can cover any unexpected costs, then pet insurance may not be necessary. The final decision rests on your pet\u2019s breed, age and specific conditions, your financial situation, and priorities. Whatever you choose, ensure you weigh up the options before making a decision. So, is pet insurance worth it? Only you can answer that.\"})]}),[g]:!0,[p]:\"Discover if pet insurance is worth it. Explore benefits, cost considerations, and factors to help you make an informed decision for your furry friend.\",[f]:\"7 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!0,[A]:!1,[S]:!1},{id:\"S_lPF5OK9\",[i]:\"Personal Budgets: What They Are and Why You Need One\",[s]:\"personal-budgets-what-they-are-and-why-you-need-one\",[c]:\"June 11, 2023\",[l]:\"Editor's Picks\",[h]:j({src:\"https://framerusercontent.com/images/Kb2D5fovUJvgH3JG90uQVJPpyM.jpg\",srcSet:\"https://framerusercontent.com/images/Kb2D5fovUJvgH3JG90uQVJPpyM.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/Kb2D5fovUJvgH3JG90uQVJPpyM.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/Kb2D5fovUJvgH3JG90uQVJPpyM.jpg 1280w\"},\"personal budget freedom\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Do you ever feel like your money is slipping away and you\u2019re not sure where it\u2019s going? Or maybe you have dreams of making bigger purchases, but just don\u2019t know how to afford them. If any of these sound familiar, it might be time to look into creating a personal budget.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"must-dos-for-managing-your-budget\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"Z86BUpH92\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Creating a realistic budget\"})}),\" can help \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"steps-to-improve-your-finances-this-year\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"jHBadCKU4\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"provide financial stability\"})}),\" while keeping an eye on your long-term goals. It doesn\u2019t need to be daunting or complicated; with the right guidance anyone can construct a sound budget that works for them. In this blog post, we'll cover exactly what is meant by a personal budget, why having one is beneficial and some tips on how to get started building yours!\"]}),/*#__PURE__*/e(\"h2\",{children:\"What is a Personal Budget?\"}),/*#__PURE__*/t(\"p\",{children:[\"A personal budget, or household budget as some people call it, is used to track the expenses coming in and going out for a household during a set period of time. Personal budgets are essentially a financial roadmap or plan to help you spend less and \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-save-money-fast-on-a-low-income\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"hoWturXQx\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"save more money.\"})}),\"\\xa0\"]})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"Most people set personal budgets because they tend to overspend their money on things they don\u2019t need and want to \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"budgeting-tips-to-help-you-stay-on-track-financially\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"w5PkT1NTj\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"stay on track financially\"})}),\". Weekly and monthly budgets are most common but some people like to make yearly budgets.\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[\"While it may seem like budgets are easy to manage, it\u2019s important not to fall for some of \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/the-most-common-budgeting-mistakes-to-avoid\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"the most common budgeting mistakes\"})}),\" when making your own personal budget. Underestimating your expenses, not having clear financial goals in mind, and not tracking expenses are just a few of these errors.\"]}),/*#__PURE__*/e(\"img\",{alt:\"what is a personal budget\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,ZVMs5LWVfSgjhcCpU3g3OiIAouY.jpg\",\"data-framer-height\":\"4290\",\"data-framer-width\":\"5400\",height:\"2145\",src:\"https://framerusercontent.com/images/ZVMs5LWVfSgjhcCpU3g3OiIAouY.jpg?scale-down-to=4096\",style:{aspectRatio:\"5400 / 4290\"},width:\"2700\"}),/*#__PURE__*/e(\"h2\",{children:\"Who Should Use A Personal Budget?\"}),/*#__PURE__*/t(\"p\",{children:[\"Most people think that personal budgets are only beneficial to those who don\u2019t have much money, but in reality they\u2019re for anyone who wants a better financial future. No matter how old you are or how good your financial situation is, keeping a budget will help you in the long run.\\xa0If you've ever thought to yourself, \\\"\",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"i-need-money-now-quick-ways-to-get-money-fast\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"Bdixgy1mK\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"I need money now\"})}),\"\\\" because you don't have cash on you, there's a good chance you could benefit from a personal budget. \"]}),/*#__PURE__*/e(\"p\",{children:\"For those who are looking to get out of debt, want to get rid of unnecessary expenses or have poor spending habits, a personal budget is a smart choice for you. Sticking to a budget can help ensure that you have the funds available when an emergency arises or unexpected expenses pop up unexpectedly.\"})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"Why Is Budgeting Important\"}),/*#__PURE__*/t(\"p\",{children:[\"A good budget can help you to keep track of your cash flow, analyze your spending patterns, and adjust your expenses as necessary. Whether you prefer to write it down or \",/*#__PURE__*/e(n,{href:\"https://hiatus.app/?utm_source=hiatus_blog&utm_medium=organic&utm_campaign=personal_budgets_what_they_are_and_why_you_need_one\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"use a tool like the Hiatus app\"})}),\", personal budgets will help you avoid headaches down the road.\"]}),/*#__PURE__*/e(\"p\",{children:\"With a little bit of effort and thought, creating a personal budget can be the first step toward achieving your financial goals, whether that is saving for a vacation, paying off debt, or investing in your future.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Some of the reasons you should start budgeting include achieving financial independence, living within your means, and having a clear understanding of where your money goes. Additionally, having a plan in place helps reduce stress related to finances by allowing you to feel confident about your income and expenses, and to make informed decisions about how you spend your money.\\xa0\"}),/*#__PURE__*/e(\"img\",{alt:\"importance of budgeting\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,YuiMHzGUKUfu0KIAW1Y7jOPvgMc.jpg?originalFilename=pexels-sergey-sh-2775742.jpg\",\"data-framer-height\":\"3008\",\"data-framer-width\":\"4000\",height:\"1504\",src:\"https://framerusercontent.com/images/YuiMHzGUKUfu0KIAW1Y7jOPvgMc.jpg\",style:{aspectRatio:\"4000 / 3008\"},width:\"2000\"}),/*#__PURE__*/e(\"h2\",{children:\"Why You Need A Personal Budget\"}),/*#__PURE__*/e(\"p\",{children:\"If you're looking to take control of your finances, budgeting is a must. But with so many factors to consider, it can be tough to know where to start. Here are a few compelling reasons why it\u2019s a good idea to use a\\xa0 personal budget.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"First, a personal budget gives you total control over your money. By tracking your spending, you can start identifying areas where you can make improvements. Plus, you'll finally have a clear sense of how much you're spending on all of life's essentials-- from rent to groceries to nights out with friends.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"It\u2019s easy to lose track of your finances and spend way beyond your means without a budget. If you do decide to create one, you'll have the tools you need to save, prioritize your spending, and achieve your financial goals-- all on your own terms. The Hiatus app allows you to create custom categories so you can see exactly how you\u2019re spending your money.\\xa0\"}),/*#__PURE__*/e(\"img\",{alt:\"why you need a personal budget\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,AEVnItNnHnTipoD395P2ZkPjVQ.jpg\",\"data-framer-height\":\"4015\",\"data-framer-width\":\"6014\",height:\"2007\",src:\"https://framerusercontent.com/images/AEVnItNnHnTipoD395P2ZkPjVQ.jpg?scale-down-to=4096\",style:{aspectRatio:\"6014 / 4015\"},width:\"3007\"}),/*#__PURE__*/e(\"h2\",{children:\"Types Of Budgeting Methods\"}),/*#__PURE__*/e(\"p\",{children:\"While creating a budget can seem overwhelming, it\u2019s important to look at the different budgeting methods and go with the one best for you. Here are a few budgeting methods that you can consider:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Zero-based budget\"}),\": Zero based budgeting is simply income minus expenses equals zero. This budgeting method takes into account all of your income being budgeted before it's spent. People with set incomes or at least have a ballpark idea of their income are good candidates for using this budgeting method.\\xa0\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Pay-yourself first (80/20) budget\"}),\": The two main focuses for the pay-yourself first budget are savings and debt repayment. If you want to follow this method, you should take 20% of your income, after taxes, and put it into a savings account. The remaining 80% should be used to pay for your expenses.\\xa0\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Envelope system budget\"}),\": Similar to the zero-based budgets, the envelope system involves withdrawing all of your income in cash and separating the cash into envelopes labeled for the different categories it will be spent on. Whenever you want to buy something which would come from a certain budget, you take the money from the corresponding envelope and buy what you need.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"50/30/20 budget\"}),\": This method breaks down your budget into three categories - essentials, savings, and everything else. 50% of your income goes to essential things like rent, groceries, transportation, etc. 20% of your income goes to your savings and 30% goes to everything else (eating out, personal purchases, whatever you like to buy).\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"70-20-10-budget-rule-what-it-is\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"unLkZjhFP\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:/*#__PURE__*/e(\"strong\",{children:\"70/20/10 budget\"})})}),/*#__PURE__*/e(\"strong\",{children:\":\"}),\" This budget is broken down into three buckets - essential expenses, savings and investments, and debt payments and donations. 70% will go towards your essential expenses like rent, credit card payments, groceries. 20% will go to savings and investments and the last 10% goes to any extra debt payments or donations.\"]})})]}),/*#__PURE__*/e(\"img\",{alt:\"methods of budgeting\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,lxNVyjjMg5MVSLJmAuG60wXrkxM.jpg\",\"data-framer-height\":\"3264\",\"data-framer-width\":\"4912\",height:\"1632\",src:\"https://framerusercontent.com/images/lxNVyjjMg5MVSLJmAuG60wXrkxM.jpg?scale-down-to=4096\",style:{aspectRatio:\"4912 / 3264\"},width:\"2456\"}),/*#__PURE__*/e(\"h2\",{children:\"How To Create A Monthly Budget\"}),/*#__PURE__*/e(\"p\",{children:\"When it comes to creating a budget that fits your needs, there are some things that you should consider:\"}),/*#__PURE__*/e(\"h3\",{children:\"Determine your Monthly Income\"}),/*#__PURE__*/t(\"p\",{children:[\"Knowing how much money you earn each month is essential in creating a personal budget. This includes your salary, bonuses, benefits, and any other sources of income. If you\u2019re self-employed or a freelancer, you can estimate your monthly income based on your previous earnings. Make sure to include all sources of income, including side hustles and passive income streams. If you're \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-make-10k-a-month\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"hfF4znXYE\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"making $10,000 a month\"})}),\" or $2,000 a month, you'll be able to know how to budget your money better. \"]}),/*#__PURE__*/e(\"h3\",{children:\"Track your Monthly Expenses\"}),/*#__PURE__*/t(\"p\",{children:[\"The next step is to track your monthly expenses, including food, housing, utilities, transportation, entertainment, and other miscellaneous costs. The \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Hiatus app\"})}),\" is a perfect tool that will track all of your expenses in one place. You can categorize your expenses and make a list of your fixed and variable costs. Fixed costs are those that stay the same every month, while variable costs fluctuate month to month.\"]}),/*#__PURE__*/e(\"h3\",{children:\"Set Realistic Goals\"}),/*#__PURE__*/e(\"p\",{children:\"Now that you have a good understanding of your income and expenses, the next step is to set realistic savings goals. This step is crucial in creating your personal budget since it helps you determine your monthly savings target. Decide how much money you want to save each month and allocate a portion of your income towards that goal. Make sure it\u2019s achievable and reflects your financial priorities.\"}),/*#__PURE__*/e(\"h3\",{children:\"Reduce Unnecessary Expenses\"}),/*#__PURE__*/t(\"p\",{children:[\"Reducing unnecessary expenses is one of the most effective ways to save money. Evaluate your expenses honestly and identify where you can cut back without sacrificing essential needs. You can start by eliminating subscriptions you don\u2019t use. In this day in age, most of us subscribe to just about any streaming service. Why not switch to just one? An \",/*#__PURE__*/e(n,{href:\"https://hiatus.app/?utm_source=hiatus_blog&utm_medium=organic&utm_campaign=personal_budgets_what_they_are_and_why_you_need_one\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"app like Hiatus\"})}),\" can cancel any unwanted subscriptions for you.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"You can also switch to a more affordable grocery store, reduce dining-out expenses, and even look to get lower rates on your monthly bills to help cut costs. The Hiatus app can also see how much you spend on your monthly bills and negotiate better rates for you. Small changes can make a big difference in your budget.\"}),/*#__PURE__*/e(\"h3\",{children:\"Monitor and Adjust Your Budget\"}),/*#__PURE__*/e(\"p\",{children:\"Monitoring and adjusting your budget is an ongoing process. Revisit your budget monthly or quarterly to see if you\u2019re staying on track with your goals and lifestyle. If you find it hard to stick to your budget, you may need to adjust some of your expenses or savings goals. The goal is to cultivate good financial habits that will serve you well in the long run.\"}),/*#__PURE__*/e(\"img\",{alt:\"how to create a monthly budget\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,h2n9paw7xGYunFftK8414W1P2E.jpg\",\"data-framer-height\":\"3183\",\"data-framer-width\":\"4775\",height:\"1591\",src:\"https://framerusercontent.com/images/h2n9paw7xGYunFftK8414W1P2E.jpg?scale-down-to=4096\",style:{aspectRatio:\"4775 / 3183\"},width:\"2387\"}),/*#__PURE__*/e(\"h2\",{children:\"Wrapping It Up\"}),/*#__PURE__*/e(\"p\",{children:\"Taking control of your finances with an effective personal budget can be empowering. Understanding your financial resources and creating a plan to manage them wisely will benefit you significantly in the long run. The benefits that come from budgeting are hard to ignore: it can help alleviate stress, lead to better understanding of spending habits, and protect against financial uncertainty in the future. The budgeting feature from Hiatus can make your money headaches become one of the past. Having a strong financial backbone should be seen as an investment for yourself and your family. Developing a reasonable strategy for your money will improve peace-of-mind and put you at ease so you can focus on what really matters in life\u2014a priceless commodity indeed.\"})]}),[g]:!0,[p]:\"Find out what a personal budget is, why it's important, and how it can help you take control of your finances. Get started with the right type of budget for you today.\",[f]:\"6 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!0,[A]:!1,[S]:!1},{id:\"Idddrpp93\",[i]:\"Choosing the Right Bank: Your Path to Financial Success\",[s]:\"choosing-the-right-bank-for-you\",[c]:\"June 1, 2023\",[l]:\"Banking\",[h]:j({src:\"https://framerusercontent.com/images/WUWfsbfNvyK2T2lUTTrv9nts3i0.jpg\",srcSet:\"https://framerusercontent.com/images/WUWfsbfNvyK2T2lUTTrv9nts3i0.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/WUWfsbfNvyK2T2lUTTrv9nts3i0.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/WUWfsbfNvyK2T2lUTTrv9nts3i0.jpg 1280w\"},\"choosing the right bank\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"Choosing the right bank is a decision that can significantly impact your financial well-being. With countless options available, it's essential to navigate through the many choices and find the one that best fits your specific needs and goals. Whether you're seeking convenient online banking services, competitive \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"apy-vs-interest-rate-breaking-down-the-difference\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"FKEpUEzkO\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"interest rates\"})}),\", exceptional customer support, or robust security measures, this blog post will help you with making an informed decision.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"In this article, we'll look at the key factors you should consider, provide valuable insights, and assist you with choosing a bank that sets you on the path to financial success. Let's dive in and discover how to choose the right bank for you.\"}),/*#__PURE__*/e(\"h2\",{children:\"Assess Your Needs and Goals\"})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h3\",{children:\"Understanding your financial needs and goals:\"}),/*#__PURE__*/e(\"p\",{children:\"Before you get into the process of actually choosing a bank, it's important to have a clear understanding of your financial needs and goals. Make sure to ask yourself questions like:\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"What are your primary banking requirements?\"}),\" Do you need a basic checking account, a savings account, or specialized accounts tailored to specific purposes, such as a business account or a \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/what-a-high-yield-savings-accounts-is-and-how-it-works\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"high-yield savings account\"})}),\"?\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"What are your short-term and long-term financial goals?\"}),\" Are you looking to save for a down payment on a home, \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-pay-off-10-000-credit-card-debt\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"j2PscW67u\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"pay off debt\"})}),\", start a business? Keeping this in mind will help you select a bank that offers suitable products and services to support your goals.\"]})})]})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h3\",{children:\"Identifying the banking services required:\"}),/*#__PURE__*/e(\"p\",{children:\"Once you've determined your needs and goals, look at what the specific banking services are essential for your financial journey. Things to take into consideration include:\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Payment methods:\"}),\" Do you primarily write checks, use electronic payments, or a combination of both? Look for a bank that offers convenient and secure payment options that align with your preferences.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Online banking:\"}),\" Are you comfortable managing your finances online? If so, prioritize banks with online banking platforms that offer features like bill payment, fund transfers, and real-time transaction monitoring.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Access to credit:\"}),\" Will you need to take out loans, credit cards, or lines of credit? If this is a must, choose a bank that offers competitive loan rates, favorable credit card terms, and flexible credit options which fit your needs.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Small business banking:\"}),\" If you're a business owner or an entrepreneur, consider banks that specialize in small business banking. Features to look out for include business accounts, merchant services, and business loans to support your enterprise.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"By assessing your needs and goals and identifying the specific banking services required, you can narrow down your options and focus on banks that align with your financial aspirations.\"}),/*#__PURE__*/e(\"img\",{alt:\"luxury house assesing goals\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,wsnXDiEjzCnMAX6oqywWX95qs.jpg\",\"data-framer-height\":\"3542\",\"data-framer-width\":\"4891\",height:\"1771\",src:\"https://framerusercontent.com/images/wsnXDiEjzCnMAX6oqywWX95qs.jpg?scale-down-to=4096\",style:{aspectRatio:\"4891 / 3542\"},width:\"2445\"}),/*#__PURE__*/e(\"h2\",{children:\"Explore Banking Options\"}),/*#__PURE__*/e(\"p\",{children:\"After you understand what banking services you need, you should begin to look into the different types of banks and financial institutions available. Three different types of banks and financial institutions include:\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Traditional Banks:\"}),\" These are the banks that have physical branches and are well established. Generally, they offer a wide range of services, including checking and savings accounts, loans, mortgages, and investment opportunities.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Online Banks:\"}),\" Online banks operate exclusively through digital platforms. They often offer competitive interest rates, low fees, and convenient 24/7 access to your accounts through user-friendly websites or mobile apps.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Credit Unions:\"}),\" Credit unions are nonprofit financial institutions that are owned by their members. They often provide personalized service, competitive rates, and lower fees compared to traditional banks. However, credit unions may have limited branch and ATM networks.\"]})})]}),/*#__PURE__*/e(\"img\",{alt:\"exploring banking options\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,W8IxhblwVrruuviWvO59hrSxv4.jpg\",\"data-framer-height\":\"2879\",\"data-framer-width\":\"5118\",height:\"1439\",src:\"https://framerusercontent.com/images/W8IxhblwVrruuviWvO59hrSxv4.jpg?scale-down-to=4096\",style:{aspectRatio:\"5118 / 2879\"},width:\"2559\"}),/*#__PURE__*/e(\"h2\",{children:\"Key Factors to Consider\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"1. Account Types and Services\"})}),/*#__PURE__*/e(\"p\",{children:\"When choosing the right bank, one of the main things to consider is the different account types and services.\\xa0\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Checking Accounts\"}),\": Review the features and fees associated with checking accounts. Look for benefits like no monthly maintenance fees, free ATM access, online bill payment, and overdraft protection.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Savings Accounts\"}),\": Consider the interest rates offered for savings accounts, as well as any minimum balance requirements. Be on the lookout for options that provide competitive rates and the flexibility to grow your savings.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Specialized Accounts\"}),\": Depending on your specific financial goals, you may require specialized accounts. These can include high-yield savings accounts, \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"cds-vs-money-market-accounts-decoding-the-savings-options\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"fq9EcEoVO\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"money market accounts\"})}),\", \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/are-cds-worth-it\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"certificates of deposit\"})}),\" (CDs), or \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"401-k-vs-roth-ira-vs-traditional-roth\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"fwgZzGjkf\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"retirement accounts\"})}),\". Evaluate the bank's offerings in these areas.\"]})})]}),/*#__PURE__*/t(\"p\",{children:[\"2.\",/*#__PURE__*/e(\"strong\",{children:\" Interest Rates and Fees\"})]}),/*#__PURE__*/e(\"p\",{children:\"Interest rates and fees can significantly impact your banking experience. Here are a few things you should be aware of when you want to open an account:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Savings Account Interest Rates\"}),\": Compare the interest rates across different banks for savings accounts. Banks that offer competitive rates will help your savings grow over time.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Loan Interest Rates\"}),\": If you\u2019re anticipating the need for loans in the future, such as a mortgage, car loan, or personal loan, evaluate the interest rates and terms offered by each bank. Lower interest rates will save you money in the long run.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Fee Structures\"}),\": Carefully review the fee structures associated with various accounts and services. Consider common fees like monthly maintenance fees, ATM fees, overdraft fees, and transaction fees.\"]})})]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"3. Convenience and Accessibility\"})}),/*#__PURE__*/e(\"p\",{children:\"Convenience and accessibility play a vital role in your banking experience. Here are a few aspects to keep in mind:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Branch Locations\"}),\": If you want an in-person banking experience, check the distance of branch locations to your home, workplace, or frequently visited areas. Having a conveniently located branch can save you time and effort when conducting transactions or seeking assistance.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"ATM Network\"}),\": Look at the bank's ATM network and see if it provides free access to ATMs in your area. Having easy access to ATMs can help you avoid out-of-network fees.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Online Banking and Mobile Apps\"}),\": Evaluate the bank's online banking platform and mobile apps. Ensure they are user-friendly, offer the features you need, and provide robust security measures for your online transactions.\"]})})]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"4. Customer Service and Reputation\"})}),/*#__PURE__*/e(\"p\",{children:\"Some people prefer great customer service and a bank\u2019s reputation when they consider which financial institution to choose. Having said that, you should read customer reviews and testimonials to gauge the overall customer experience. Pay attention to feedback regarding customer service quality, responsiveness, and problem resolution.\"}),/*#__PURE__*/e(\"p\",{children:\"It\u2019s also important to research the bank's reputation and financial stability. Look for indicators such as the bank's history and any awards or recognition for exceptional service. You wouldn\u2019t want to go with a bank that you can\u2019t trust holding your hard earned money.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"5. Security and Privacy\"})}),/*#__PURE__*/e(\"p\",{children:\"Security and privacy are paramount when choosing a bank. When it comes to security measures, you should inquire about what the bank does when it comes to encryption, multi-factor authentication, and fraud detection systems. This will give you a sense of ease when you decide to go with that bank.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"As for privacy, make sure to review the bank's privacy policy to understand how they handle and safeguard your data. Ensure they have policies and procedures in place to maintain your privacy and comply with relevant regulations.\"}),/*#__PURE__*/e(\"img\",{alt:\"making final decision\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,xacZOOQqAivE8YZYI2WzhAOH5k.jpg\",\"data-framer-height\":\"3648\",\"data-framer-width\":\"5472\",height:\"1824\",src:\"https://framerusercontent.com/images/xacZOOQqAivE8YZYI2WzhAOH5k.jpg?scale-down-to=4096\",style:{aspectRatio:\"5472 / 3648\"},width:\"2736\"}),/*#__PURE__*/e(\"h2\",{children:\"Making the Final Decision\"}),/*#__PURE__*/e(\"p\",{children:\"When all is said and done, you\u2019ll need to weigh the pros and cons of each bank on your shortlist. This will help you with deciding which bank is best for you. Some of the pros will outweigh the cons and might make sense to open an account with that financial institution.\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Review your requirements\"}),\": Revisit your financial needs, goals, and priorities. Consider which bank aligns most closely with your specific criteria and offers the services and features that are most important to you.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Assess the benefits\"}),\": Check the unique advantages of each bank. Look for standout features such as high-interest savings accounts, low fees, exceptional customer service, robust online banking platforms, or specialized services tailored to your needs.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Consider the drawbacks\"}),\": Take into account any potential drawbacks or limitations associated with each bank. These could include limited branch locations, less extensive ATM networks, higher fees for certain services, or stricter eligibility requirements for certain accounts.\"]})})]}),/*#__PURE__*/e(\"img\",{alt:\"making the final decision\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,PE4HbNHq432QnVt9fU35LJzgTCY.jpg\",\"data-framer-height\":\"3123\",\"data-framer-width\":\"5550\",height:\"1561\",src:\"https://framerusercontent.com/images/PE4HbNHq432QnVt9fU35LJzgTCY.jpg?scale-down-to=4096\",style:{aspectRatio:\"5550 / 3123\"},width:\"2775\"}),/*#__PURE__*/e(\"h2\",{children:\"Taking Action: Opening an Account\"}),/*#__PURE__*/e(\"p\",{children:\"Once you have made the final decision and selected the bank that best meets your needs, it's time to open an account. Following these steps will help ensure a smooth account opening process:\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Gather required documents\"}),\": Different banks may have varying document requirements. Most commonly requested are identification documents (such as a passport or driver's license), proof of address (such as a utility bill or bank statement), and Social Security number or Tax Identification number.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Visit the bank's website or branch\"}),\": Depending on the bank, you may have the option to open an account online or in person at a branch. Visit the bank's website to explore their account opening options or schedule an appointment at a branch if necessary.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Complete the application:\"}),\" Provide the necessary information and accurately complete the account application.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Fund your account\"}),\": Determine the initial deposit required for your chosen account type and make the necessary arrangements to fund your account. This can be done through a transfer from another bank account or by depositing cash or a check.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Review terms and conditions\"}),\": Take the time to carefully review the terms and conditions associated with your new account. Pay attention to details such as minimum balance requirements, fees, interest rates, and any promotional offers.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Set up additional services\"}),\": If you require additional services, such as online bill payment, direct deposit, or mobile banking, take the necessary steps to set them up during the account opening process.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Verify account details\"}),\": Once your account is opened, carefully review the account details provided by the bank, including your account number, routing number, and any login credentials for online banking.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Activate your account\"}),\": Follow the bank's instructions to activate your account. This may involve verifying your identity, setting up online access, or activating any associated debit cards or checks.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"By following these steps and adhering to the bank's requirements, you can successfully open your new account and begin enjoying the services and benefits offered by your chosen bank.\"}),/*#__PURE__*/e(\"img\",{alt:\"opening door to financial freedom\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,I77qUSEKtQF88pruPHpNPLdV0Y.jpg\",\"data-framer-height\":\"2421\",\"data-framer-width\":\"3638\",height:\"1210\",src:\"https://framerusercontent.com/images/I77qUSEKtQF88pruPHpNPLdV0Y.jpg\",style:{aspectRatio:\"3638 / 2421\"},width:\"1819\"}),/*#__PURE__*/e(\"h2\",{children:\"Wrapping It Up\"}),/*#__PURE__*/t(\"p\",{children:[\"Choosing the right bank is a decision that requires careful consideration. By researching different banking options, comparing key factors, and prioritizing your needs, you can find a bank that aligns with your financial goals.\\xa0 For those with more than one bank account, personal finances apps can be a great aid with keeping track of all your finances in one place. An app like \",/*#__PURE__*/e(n,{href:\"https://hiatus.app/?utm_source=hiatus_blog&utm_medium=organic&utm_campaign=choosing_the_right_bank_for_you\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Hiatus\"})}),\" will allow you to link all your bank accounts to the app so you can stay on top of your money. With the right bank by your side, you can confidently manage your finances and embark on a path towards financial success.\"]})]}),[g]:!0,[p]:\"Discover how to choose the right bank for your financial needs. Explore key factors, compare options, and open an account confidently. Start your financial journey today!\",[f]:\"5 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!0,[A]:!1,[S]:!1},{id:\"XQuQsBh9f\",[i]:\"13 Subscription Services You Didn't Know Existed\",[s]:\"subscription-services-you-didnt-know-existed\",[c]:\"May 1, 2023\",[l]:\"Hiatus Guides\",[h]:j({src:\"https://framerusercontent.com/images/kIV4HWdGQXiuFZmovELfZBSmWn8.jpg\",srcSet:\"https://framerusercontent.com/images/kIV4HWdGQXiuFZmovELfZBSmWn8.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/kIV4HWdGQXiuFZmovELfZBSmWn8.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/kIV4HWdGQXiuFZmovELfZBSmWn8.jpg 1280w\"},\"subscriptions you didnt know existed\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"There are many subscription services out there these days that it can be hard to track them all. The options are endless, from streaming services like Netflix and Hulu to grocery delivery services like AmazonFresh and Instacart to monthly box subscriptions like Birchbox and Ipsy.\"}),/*#__PURE__*/e(\"p\",{children:\"Whether you're looking for gift ideas or new ways to save money, there seems to be a subscription for everything nowadays. Here are thirteen different subscription services you didn\u2019t know existed.\"}),/*#__PURE__*/e(\"h3\",{children:\"1. Avocado Monthly\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Pricing\"}),\": $34.95/month\"]}),/*#__PURE__*/e(\"p\",{children:\"Avocado Monthly is the newest way to get on some of that perfect avocado! Avocado Monthly is a subscription service that sends 16 varieties of organic avocados to your doorstep each month. The avocados are picked straight from a family farm in California and then shipped straight to you. They offer free shipping for all customers - no matter how much fruit you buy or where it's being delivered to!\"}),/*#__PURE__*/e(\"img\",{alt:\"Avocado Monthly\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,npOZ0lRw0qdI6LtosyZ4BO3mRC4.jpg\",\"data-framer-height\":\"3062\",\"data-framer-width\":\"4593\",height:\"1531\",src:\"https://framerusercontent.com/images/npOZ0lRw0qdI6LtosyZ4BO3mRC4.jpg?scale-down-to=4096\",style:{aspectRatio:\"4593 / 3062\"},width:\"2296\"})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h3\",{children:\"2. Ipsy\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Pricing\"}),\": $28.00/month\"]}),/*#__PURE__*/e(\"p\",{children:\"Ipsy is a monthly beauty and makeup subscription box offering the best in makeup, skincare, haircare, and more. Each month subscribers receive five full-sized or deluxe samples of top makeup, skincare, and hair care brands. Plus, a cute makeup bag to store everything. Ipsy also offers the Glam Bag Plus, which sells eight full-sized products monthly for only $50. All products are tailored to your beauty profile, so you get items you'll love! And with a vast selection of new brands and products available each month, there is always something new to try!\"}),/*#__PURE__*/e(\"img\",{alt:\"Ipsy subscription cost\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,cKvqw8zKL9za27EKj7OGRQx3pvo.jpg\",\"data-framer-height\":\"3333\",\"data-framer-width\":\"5000\",height:\"1666\",src:\"https://framerusercontent.com/images/cKvqw8zKL9za27EKj7OGRQx3pvo.jpg?scale-down-to=4096\",style:{aspectRatio:\"5000 / 3333\"},width:\"2500\"})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h3\",{children:\"3. Matter\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Pricing\"}),\": $42.65/month\"]}),/*#__PURE__*/e(\"p\",{children:\"Matter is a monthly subscription service that delivers eco-friendly products from trusted, sustainable brands to your doorstep. Each month's box will include various scientific specimens, including fossils, meteorites, and other artifacts. These items will satisfy your curiosity and help you ignite someone else's. The boxes are the perfect way to explore the universe and learn about some of its most interesting pieces of matter. Each package also includes an informative booklet that explains the history and significance of each item, as well as some fascinating facts about the universe.\"}),/*#__PURE__*/e(\"img\",{alt:\"Matter subscription\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,qEKkk51NC53VTcuOVHVFNiyHW2U.jpg\",\"data-framer-height\":\"2160\",\"data-framer-width\":\"3240\",height:\"1080\",src:\"https://framerusercontent.com/images/qEKkk51NC53VTcuOVHVFNiyHW2U.jpg\",style:{aspectRatio:\"3240 / 2160\"},width:\"1620\"}),/*#__PURE__*/e(\"h3\",{children:\"4. Apocabox\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Pricing\"}),\": $58.95/every other month\"]}),/*#__PURE__*/e(\"p\",{children:\"APOCABOX is a subscription-based survival box that sends you a new collection of tools, information, and gear every other month. Each box contains essential items such as fire starters, water filters, first aid kits, and much more. Every item has been carefully selected to ensure it will be helpful in any emergency. With APOCABOX, you can always be prepared for the worst-case scenario, whether camping or stuck at home in a natural disaster. APOCABOX keeps you ready for any emergency and ensures you never have to worry about being unprepared. It is also fun and educational to sign up today! This way, you will be prepared for anything that might happen.\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,bdNFRGJwrTnLoqlwDff4Y0WsiE.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/bdNFRGJwrTnLoqlwDff4Y0WsiE.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"}),/*#__PURE__*/e(\"h3\",{children:\"5. FabFitFun\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Pricing\"}),\": $219.99/year\"]}),/*#__PURE__*/e(\"p\",{children:\"FabFitFun is a service where you pay every three months and get a box filled with beauty, wellness, fashion, and fitness products. When you first sign up, you will get to choose some of the products that go into your box. This way, you can ensure you get the products you want. Each box contains 8-10 full-size products worth over $200. FabFitFun is a great way to discover new products at a fantastic price.\"}),/*#__PURE__*/e(\"img\",{alt:\"FabFitFun box\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,9EljlVwZO9hh1K2HR0HRsI6NaUs.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/9EljlVwZO9hh1K2HR0HRsI6NaUs.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"}),/*#__PURE__*/e(\"h3\",{children:\"6. Munch Addict\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Pricing\"}),\": $15.00/month\"]}),/*#__PURE__*/e(\"p\",{children:\"Munch Addict is a delicious snack crate subscription box that contains international snacks. Subscribers receive a box that includes 4-6 worldwide snacks each month. The Munch Addict team carefully selects only the most unique and delicious snacks to be included in each box. Not only do they offer an exciting flavor exploration, but they also provide nutritional information for each snack. With Munch Addict, you'll never have to worry about running out of tasty snacks from around the world! Boxes are always packed with vegan, gluten-free, and nut-free options. Subscribers also get access to exclusive deals and discounts on select products\u2014treating yourself to something special each month has never been easier (or more delicious)!\"}),/*#__PURE__*/e(\"img\",{alt:\"Munch Addict Croissant\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,0Z4DLeUTlmrEVbayqeXtg6rygpA.jpg\",\"data-framer-height\":\"2991\",\"data-framer-width\":\"4487\",height:\"1495\",src:\"https://framerusercontent.com/images/0Z4DLeUTlmrEVbayqeXtg6rygpA.jpg?scale-down-to=4096\",style:{aspectRatio:\"4487 / 2991\"},width:\"2243\"}),/*#__PURE__*/e(\"h3\",{children:\"7. Bespoke Post\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Pricing\"}),\": $70/month\"]}),/*#__PURE__*/e(\"p\",{children:\"Bespoke Post is a subscription box for men who want to add an extra layer of sophistication and style to their everyday look. Each month, subscribers receive a box filled with hand-picked goods from around the world. Items include clothing, accessories, grooming products, and even experimental food items. Every month's theme is different, so you'll never get the same thing twice. Plus, you get the flexibility of customizing your box before it ships, so you can ensure that whatever comes in is something you'll use. With Bespoke Post, you can look good and feel confident without breaking the bank. It's a great way to upgrade your wardrobe while saving money!\"}),/*#__PURE__*/e(\"img\",{alt:\"Bespoke Post male subscription\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,ErP5nvRZ5OwTpVZ0hTi9w1s1PE.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/ErP5nvRZ5OwTpVZ0hTi9w1s1PE.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"}),/*#__PURE__*/e(\"h3\",{children:\"8. Puzzle Exchange\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Pricing\"}),\": $36/month\"]}),/*#__PURE__*/e(\"p\",{children:\"The Puzzle Exchange is a monthly subscription for jigsaw puzzle lovers. Customers will receive a new puzzle and a newsletter with puzzles and tips each month. In addition to new puzzles every month, the Puzzle Exchange offers exclusive access to their Premium Puzzles section. This section features complex and challenging jigsaw puzzles from artists worldwide. Depending on the package you choose, you can even rent the puzzles so when you\u2019re done putting them together, you can send them back for new puzzles to do!\"}),/*#__PURE__*/e(\"img\",{alt:\"puzzle exchange\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,rEGNhqnMp2CtptjYWu3qRfQY.jpg\",\"data-framer-height\":\"3891\",\"data-framer-width\":\"5849\",height:\"1945\",src:\"https://framerusercontent.com/images/rEGNhqnMp2CtptjYWu3qRfQY.jpg?scale-down-to=4096\",style:{aspectRatio:\"5849 / 3891\"},width:\"2924\"}),/*#__PURE__*/e(\"h3\",{children:\"9. Birchbox\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Pricing\"}),\": $15.00/month\"]}),/*#__PURE__*/e(\"p\",{children:\"Birchbox is a beauty subscription box that sends five deluxe samples based on your preferences. Each month, you'll receive a mix of makeup, hair care, skincare, and lifestyle products tailored to your beauty profile. Not only do you get 10% off full-size products from Birchbox, but you also have the opportunity to explore new beauty brands and find exactly what you're looking for. So whether you are searching for the perfect lipstick or experimenting with a new look, Birchbox has something for everyone.\"}),/*#__PURE__*/e(\"img\",{alt:\"birchbox\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,iJi7axpr9F40Bvkt6T3QQhwt4.jpg\",\"data-framer-height\":\"3959\",\"data-framer-width\":\"5950\",height:\"1979\",src:\"https://framerusercontent.com/images/iJi7axpr9F40Bvkt6T3QQhwt4.jpg?scale-down-to=4096\",style:{aspectRatio:\"5950 / 3959\"},width:\"2975\"}),/*#__PURE__*/e(\"h3\",{children:\"10. Loot Crate\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Pricing\"}),\": $19.95/month\"]}),/*#__PURE__*/e(\"p\",{children:\"Loot Crate's anime-themed box includes a combination of recent and older apparel, gear, and collectibles from well-known properties. For example, past boxes have included merchandise from Fire Force, Berserk, and Jujutsu Kaisen. Each box is filled with officially licensed items you won't find anywhere else and comes with a monthly magazine. In addition, with loot Crate's anime-inspired subscription, you get exclusive items and discounts on the Loot Vault store.\"}),/*#__PURE__*/e(\"img\",{alt:\"anime loot crate\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,LJf2uIi4h5V7m3d4sQNdrCZAJes.jpg\",\"data-framer-height\":\"3712\",\"data-framer-width\":\"5568\",height:\"1856\",src:\"https://framerusercontent.com/images/LJf2uIi4h5V7m3d4sQNdrCZAJes.jpg?scale-down-to=4096\",style:{aspectRatio:\"5568 / 3712\"},width:\"2784\"}),/*#__PURE__*/e(\"h3\",{children:\"11. Hot Sauce of the Month Club\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Pricing\"}),\": $14.99/month\"]}),/*#__PURE__*/e(\"p\",{children:\"\\xa0Get a box of delicious artisan hot sauce delivered to your door monthly! The Heat Hot Sauce Shop experts hand-select the featured sauces each month, so you know they're good. If you're unsure of which hot sauce to get, have no fear! The Hot Sauce of the Month Club offers Mild, Classic, and Extra Hot options. And if that's still not enough for you, each purchase comes with tasting note cards. You can quickly identify your favorite flavors and make future purchasing decisions.\"}),/*#__PURE__*/e(\"img\",{alt:\"hot sauce of the month club\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,xXFtSMDIw08n5da7H10bJ4WPq4A.jpg\",\"data-framer-height\":\"3456\",\"data-framer-width\":\"5184\",height:\"1728\",src:\"https://framerusercontent.com/images/xXFtSMDIw08n5da7H10bJ4WPq4A.jpg?scale-down-to=4096\",style:{aspectRatio:\"5184 / 3456\"},width:\"2592\"}),/*#__PURE__*/e(\"h3\",{children:\"12. BarkBox\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Pricing\"}),\": $22.00/month\"]}),/*#__PURE__*/e(\"p\",{children:\"BarkBox is a great subscription box for your pup! Every month, you'll get a new surprise box filled with 4-6 fun products tailored to your pup's size and preferences. The items could include treats, chews, toys, and hygiene products. Each box has a digital \\\"Zoom Room\\\" for online playtime. In addition, you can customize the box to include particular items tailored just for your pup! It's a great way to keep your fur baby entertained and happy all month.\"}),/*#__PURE__*/e(\"img\",{alt:\"barkbox dog toys\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,pPQWmxuzYPlUCXJj4K1rE4M7cQ8.jpg\",\"data-framer-height\":\"3648\",\"data-framer-width\":\"5472\",height:\"1824\",src:\"https://framerusercontent.com/images/pPQWmxuzYPlUCXJj4K1rE4M7cQ8.jpg?scale-down-to=4096\",style:{aspectRatio:\"5472 / 3648\"},width:\"2736\"}),/*#__PURE__*/e(\"h3\",{children:\"13. NatureBox\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Pricing\"}),\": $30/year\"]}),/*#__PURE__*/e(\"p\",{children:\"Whether you're looking for healthy snacks for yourself or your family, NatureBox has something for everyone. Every month, you'll receive a box filled with five to eight full-size products free from artificial colors, flavors, and sweeteners. Instead, the snacks are made with wholesome ingredients like nuts, fruits, oats, and more. Not to mention, if you aren't satisfied with any of the snacks in your box, you can always trade them for something else. Overall, NatureBox is a fantastic way to guarantee that you'll be feeling healthy and energetic all month long.\"}),/*#__PURE__*/e(\"img\",{alt:\"naturebox healthy snacks\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,aDWaOO3ZHg22uaKoNK8AXBnbd0.jpg\",\"data-framer-height\":\"4016\",\"data-framer-width\":\"6016\",height:\"2008\",src:\"https://framerusercontent.com/images/aDWaOO3ZHg22uaKoNK8AXBnbd0.jpg?scale-down-to=4096\",style:{aspectRatio:\"6016 / 4016\"},width:\"3008\"}),/*#__PURE__*/e(\"h2\",{children:\"Conclusion\"}),/*#__PURE__*/t(\"p\",{children:[\"With so many great subscription boxes available, deciding which one to try can be difficult. Whether you're looking for a box of healthy snacks or something fun for your pup, there are plenty of options. You can even combine multiple boxes to ensure you get the best of both worlds! Having said that, it can be hard to keep track of all your subscriptions. Using an app like \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Hiatus\"})}),\", you\u2019ll be able to see all of your subscriptions in one place and \",/*#__PURE__*/e(n,{href:\"https://hiatus.app/signup/profile/goals?utm_source=hiatus_blog&utm_medium=organic&utm_campaign=subscription_services_you_didnt_know_existed\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"cancel the ones you no longer need\"})}),\".\"]})]}),[g]:!1,[p]:\"Discover the best subscription services available today. From beauty boxes to pet-friendly subscription boxes, there is something for everyone. Get the perfect box tailored to your needs!\",[f]:\"4 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!0,[x]:!1,[T]:!1,[A]:!1,[S]:!1},{id:\"fq9EcEoVO\",[i]:\"CDs vs Money Market Accounts: Decoding The Savings Options\",[s]:\"cds-vs-money-market-accounts-decoding-the-savings-options\",[c]:\"April 27, 2023\",[l]:\"Banking\",[h]:j({src:\"https://framerusercontent.com/images/vNzRGa3zZDqfkx9WkEDdexcHc6Y.jpg\",srcSet:\"https://framerusercontent.com/images/vNzRGa3zZDqfkx9WkEDdexcHc6Y.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/vNzRGa3zZDqfkx9WkEDdexcHc6Y.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/vNzRGa3zZDqfkx9WkEDdexcHc6Y.jpg 1280w\"},\"CDs vs Money Market Accounts\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"When it comes to investing your money, there are countless options to choose from. CDs (Certificates of Deposit) and money market accounts (MMAs) tend to be two popular options people lean towards. Both options are often compared to each other and may seem similar, but which one is the right choice for you?\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"While both options are federally insured and offer potential benefits for growing your money, it\u2019s crucial to understand the nuances before making an informed decision. This blog post will take a look at both the pros and cons to both CDs and money market accounts so you can choose what\u2019s best for you.\"}),/*#__PURE__*/e(\"h2\",{children:\"Money Market Accounts\"}),/*#__PURE__*/t(\"p\",{children:[\"MMAs are a type of savings account that typically offer a higher interest rate than a standard savings account, but less than a CD. Unlike CDs, your money isn\u2019t locked in for a fixed amount of time and you can make withdrawals at any time. \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/alternatives-to-high-yield-savings-accounts-their-benefits\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"MMAs also offer check-writing privileges\"})}),\", which allows you to access your funds more easily.\"]}),/*#__PURE__*/e(\"h3\",{children:\"Benefits of MMAs\"}),/*#__PURE__*/e(\"p\",{children:\"As already mentioned, one pro of money market accounts is that they are FDIC insured. If the bank you set your account up with should fail, your money is protected up to $250,000. MMAs are also a very flexible option for investors and you don\u2019t get penalized for accessing your funds.\"})]}),[u]:/*#__PURE__*/e(r.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Another advantage of MMA is the interest rates aren't set in stone so you can benefit from an increase in interest rates over time. Having said that, there isn\u2019t a guarantee that the interest rate will rise so you may get the short end of the stick.\"})}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h3\",{children:\"Disadvantages of Money Market Accounts\"}),/*#__PURE__*/e(\"p\",{children:\"MMAs have minimum balance requirements and if you fall below the threshold, you may be subject to fees. Another con of these accounts is that in order to get the best interest rates, you may have to maintain a high minimum balance in your account.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Money market account interest rates offered are typically lower than CDs, making them a poor choice for long-term investments. Similar to CDs, the interest rate is subject to taxes, which can eat into your returns.\"}),/*#__PURE__*/e(\"img\",{alt:\"taxes from MMAs\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,2EecAjSNTLV0DUzGBrJe4RXtLQE.jpg\",\"data-framer-height\":\"2892\",\"data-framer-width\":\"4573\",height:\"1446\",src:\"https://framerusercontent.com/images/2EecAjSNTLV0DUzGBrJe4RXtLQE.jpg?scale-down-to=4096\",style:{aspectRatio:\"4573 / 2892\"},width:\"2286\"}),/*#__PURE__*/e(\"h2\",{children:\"CDs (Certificates of Deposit)\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/are-cds-worth-it\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"CDs are a type of savings account where you deposit a set amount of money for a fixed amount of time\"})}),\". The terms can range anywhere from a few months to several years, and interest rates are typically higher than a standard savings account.\\xa0\"]}),/*#__PURE__*/e(\"h3\",{children:\"Benefits of CDs\"}),/*#__PURE__*/e(\"p\",{children:\"One of the primary benefits of CDs is their predictability. They provide a fixed rate of interest that remains unaffected by fluctuations in market rates. You can rely on a consistent return since you know that rates typically won\u2019t change for the duration of the term.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"CDs are also insured by the FDIC which provides a layer of security, making them a low-risk investment option. These accounts work well for those looking to invest long-term investments because investors lock in a particular rate of interest for the entire term length. In exchange for committing your money into CD investments, \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/cd-vs-savings-accounts-investing-in-your-future\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"CDs usually have higher interest rates than traditional\"})}),\" and \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/what-a-high-yield-savings-accounts-is-and-how-it-works\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"high yield-savings accounts\"})}),\".\\xa0\"]}),/*#__PURE__*/e(\"img\",{alt:\"growth savings from CDs\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,Y5R82uYy9F8aiF1b6NKPyI1KE.jpg\",\"data-framer-height\":\"3648\",\"data-framer-width\":\"5472\",height:\"1824\",src:\"https://framerusercontent.com/images/Y5R82uYy9F8aiF1b6NKPyI1KE.jpg?scale-down-to=4096\",style:{aspectRatio:\"5472 / 3648\"},width:\"2736\"}),/*#__PURE__*/e(\"h3\",{children:\"Downsides of Certificates of Deposit\"}),/*#__PURE__*/e(\"p\",{children:\"One of the negatives about CDs is that your money is locked in for the duration of the term. Withdrawing money early may result in some sort of penalty. Another thing to consider is that the interest you earn in a CD can be taxed. This will wind up lowering your total ROI when the certificate of deposit matures.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"While it can be a positive to some, a drawback of CDs is that the\",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"apy-vs-interest-rate-breaking-down-the-difference\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"FKEpUEzkO\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" interest rate\"})}),\" is fixed. Should interest rates rise when your money is locked in the CD, you could miss on opportunities to earn more money. Lastly, money can only be moved when your CD term is finished.\"]}),/*#__PURE__*/e(\"img\",{alt:\"money locked\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,LrsA2mPO3gf7tdQBuACRgiaaCE.jpg\",\"data-framer-height\":\"3000\",\"data-framer-width\":\"4512\",height:\"1500\",src:\"https://framerusercontent.com/images/LrsA2mPO3gf7tdQBuACRgiaaCE.jpg?scale-down-to=4096\",style:{aspectRatio:\"4512 / 3000\"},width:\"2256\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"h2\",{children:\"When to Choose CDs and When to Go With MMAs\"}),/*#__PURE__*/e(\"p\",{children:\"When it comes to choosing between CDs and MMAs, it mainly depends on your personal financial situation and goals. If you have a lump sum of money that you don't need access to for a set period of time, then a CD might be the better choice. On the other hand, if you want to earn a higher interest rate than a standard savings account while retaining some flexibility, then an MMA might be a better option.\"}),/*#__PURE__*/e(\"p\",{children:\"It's worth noting that both CDs and MMAs are relatively low-risk investments. If you're willing to take on more risk, then you might consider investing in the stock market or a mutual fund. However, these types of investments are subject to market fluctuations and can result in losses.\"}),/*#__PURE__*/e(\"img\",{alt:\"choosing between CDs and MMAs\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,5ipSrXrIe1JzTFDxSkocS2GDys.jpg\",\"data-framer-height\":\"3162\",\"data-framer-width\":\"4743\",height:\"1581\",src:\"https://framerusercontent.com/images/5ipSrXrIe1JzTFDxSkocS2GDys.jpg?scale-down-to=4096\",style:{aspectRatio:\"4743 / 3162\"},width:\"2371\"}),/*#__PURE__*/e(\"h2\",{children:\"Bottom Line\"}),/*#__PURE__*/t(\"p\",{children:[\"In the end, choosing between CDs vs MMAs is a personal decision that relies on a few factors. Individual financial goals, the state of the economy and risk tolerance to name a few. With that said, investing some money in one of these low-risk options is a good decision if you\u2019re looking for a return on your investment. With that being said, \",/*#__PURE__*/e(n,{href:\"https://hiatus.app/signup/profile/goals?utm_source=hiatus_blog&utm_medium=organic&utm_campaign=cds_vs_money_market_accounts_decoding_the_savings_options\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"personal finances apps like Hiatus\"})}),\" allow you to open these types of investment accounts straight from the app.\"]})]}),[g]:!0,[p]:\"Unravel the mystery of CDs and Money Market Accounts. Find out the pros and cons of each to help you decide which savings option suits you best.\",[f]:\"5 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!0,[A]:!1,[S]:!1},{id:\"Oqf_nDqbb\",[i]:\"Are CDs Worth It? \",[s]:\"are-cds-worth-it\",[c]:\"April 26, 2023\",[l]:\"Editor's Picks\",[h]:j({src:\"https://framerusercontent.com/images/ptdK1nxf7PA06lPsSYN0bkPkD0.jpg\",srcSet:\"https://framerusercontent.com/images/ptdK1nxf7PA06lPsSYN0bkPkD0.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/ptdK1nxf7PA06lPsSYN0bkPkD0.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/ptdK1nxf7PA06lPsSYN0bkPkD0.jpg 1280w\"},\"Are CDs Worth It\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"When it comes to investing your hard-earned money, there are various options to choose from. Some people prefer to put their money into traditional savings accounts or \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/what-a-high-yield-savings-accounts-is-and-how-it-works\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"high-yield savings accounts\"})}),\" while others invest in the stock market. Another type of investment tool that comes highly recommended by financial experts is Certificates of Deposit (CDs).\"]}),/*#__PURE__*/e(\"p\",{children:\"CDs are essentially low-risk savings accounts that offer better interest rates than traditional savings accounts. But the question remains, are CDs worth it? Just like any investment option, there are pros and cons and we\u2019ll help you decide whether or not they\u2019re meant for you.\"}),/*#__PURE__*/e(\"h2\",{children:\"What is a CD (Certificate of Deposit)?\"}),/*#__PURE__*/e(\"p\",{children:\"A certificate of deposit is a type of savings account that is offered by banks which guarantees a fixed interest rate for the duration of your investment. The term length of CDs can range from a few months to several years. Most times, the longer the term of the CD, the higher the interest rate. If you\u2019re somebody who doesn\u2019t like to take risks and wants a fixed return on your investment, CDs are ideal for you.\"})]}),[u]:/*#__PURE__*/e(r.Fragment,{children:/*#__PURE__*/e(\"p\",{children:\"Unlike traditional savings accounts, the money deposited in a CD needs to remain untouched otherwise you risk getting a penalty or losing the interest rate. Once the term ends, you can then withdraw the initial sum along with the interest earned or invest that money into another CD. The interest rates on CDs are typically higher than those offered on savings accounts.\"})}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"Types of CD\u2019s\"}),/*#__PURE__*/e(\"p\",{children:\"There are several types of CD accounts that you can choose from: standard, brokered, and specialty. Each has its own unique benefits so it\u2019s important to know the ins and outs before choosing which one to go with. Standard CDs allow you to deposit money for a set period and earn interest over the course of its term. Terms can last anywhere between a week up to 10 years!\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"Specialty CDs differentiate from standard CDs because they offer more features. Some of these specialty CDs include \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"apy-vs-interest-rate-breaking-down-the-difference\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"FKEpUEzkO\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"higher interest rates\"})}),\" for a higher deposit amount (jumbo CDs), no fees for withdrawing money before maturity (no-penalty CDs), making extra deposits during the term (add-on CDs), and even getting better interest rates during your term (bump-up CDs).\"]}),/*#__PURE__*/e(\"p\",{children:\"The last type of accounts, brokered CDs, generally have higher requirements than a specialty or standard CD. Most times these CDs need an initial minimum deposit of over $10,000. As its name states, these accounts are handled by a brokerage instead of a credit union or bank.\"}),/*#__PURE__*/e(\"img\",{alt:\"woman looking at her investment\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,vt5A7BCPh4Y8YgyF60groEOrU.jpg\",\"data-framer-height\":\"4912\",\"data-framer-width\":\"7360\",height:\"2456\",src:\"https://framerusercontent.com/images/vt5A7BCPh4Y8YgyF60groEOrU.jpg?scale-down-to=4096\",style:{aspectRatio:\"7360 / 4912\"},width:\"3680\"}),/*#__PURE__*/e(\"h2\",{children:\"Pros and Cons of CDs\"}),/*#__PURE__*/e(\"p\",{children:\"Just like any investment option, there are both pros and cons associated with opening a certificate of deposit account.\"}),/*#__PURE__*/e(\"h3\",{children:\"Advantages of Certificates of Deposit\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Fixed Interest Rates\"}),\": Investing your money in a CD is a great choice if you don\u2019t want to take any risks. Knowing exactly how much interest you will earn, and there are no fluctuations in the interest rate. This investment tool guarantees a certain rate of return that you can rely on.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Short-term Investment\"}),\": If you are looking for a short-term investment, investing in a CD might be a good idea. CD terms range from 1 month to 5 years, and you can choose the term that best suits your investment goals.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Low Risk\"}),\": Most CDs are low-risk investment options because they are FDIC (Federal Deposit Insurance Corporation) insured, which means that even if the bank goes bankrupt, you will get your invested amount back with interest up to $250,000.\\xa0\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Flexibility\"}),\": CDs offer a wide range of options, such as different term lengths, interest rate structure, and penalty for withdrawal. This flexibility allows you to select a CD that best fits your needs, such as a short-term CD for emergency funds or a long-term CD for long-term savings goals.\"]})})]}),/*#__PURE__*/e(\"h3\",{children:\"Disadvantages of Certificates of Deposit\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Limited Liquidity\"}),\": CDs are not very liquid investments. Once you invest your money you cannot withdraw it until the CD matures. Withdrawing your money before the CD matures can result in penalties. These penalties can be add up to about 3-6 months of interest, sometimes even more.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Limited Returns\"}),\": Interest rates that CDs offer are usually lower than the average stock market return. If you are willing to take more risks with your investments, you might want to consider investing your money in other investment options that offer higher returns.\"]})}),/*#__PURE__*/t(\"li\",{\"data-preset-tag\":\"p\",children:[/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Inflation Risk\"}),\": Inflation can reduce the value of your investment and make it less valuable than at the time of investment. Since your money is locked until maturity, it\u2019s important to take inflation into account when investing in a CD.\\xa0\"]}),/*#__PURE__*/e(\"img\",{alt:\"pros and cons of CDs\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,eZp9Ep87NGyA3gY5nVwxJJDZhAU.jpg\",\"data-framer-height\":\"3954\",\"data-framer-width\":\"5931\",height:\"1977\",src:\"https://framerusercontent.com/images/eZp9Ep87NGyA3gY5nVwxJJDZhAU.jpg?scale-down-to=4096\",style:{aspectRatio:\"5931 / 3954\"},width:\"2965\"})]})]}),/*#__PURE__*/e(\"h2\",{children:\"How to pick the right CD?\"}),/*#__PURE__*/e(\"p\",{children:\"When you\u2019re looking to choose the right CD for your investment needs, there are several factors to consider. Take a look at the different interest rates that are available and compare them to other CD rates. This will help you decide which option will give you the most return on your investment. The next thing you should think about is the term length and how long you\u2019re willing to tie your money up for. And finally, take into consideration what the penalties are for early withdrawals. It's crucial to understand all the terms and conditions before investing your money to avoid any unpleasant surprises.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"img\",{alt:\"Choosing right certificate of deposit\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,mHrI0YxVgrqp4LOv0bE929PZ0.jpg\",\"data-framer-height\":\"3744\",\"data-framer-width\":\"5616\",height:\"1872\",src:\"https://framerusercontent.com/images/mHrI0YxVgrqp4LOv0bE929PZ0.jpg?scale-down-to=4096\",style:{aspectRatio:\"5616 / 3744\"},width:\"2808\"}),/*#__PURE__*/e(\"h2\",{children:\"Are Certificates of Deposit Really Worth It?\"}),/*#__PURE__*/e(\"p\",{children:\"The simple answer is: it depends on your needs. If you are in a financial situation that allows you to put money aside and not touch it for a longer period of time, then they are worth it. If having cash at your disposal at all times is an essential, then there might be other investment options more suitable for you. CDs are a safe and viable option to leave your money.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"When \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/cd-vs-savings-accounts-investing-in-your-future\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"comparing them to a high yield savings account\"})}),\", CDs are a \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/alternatives-to-high-yield-savings-accounts-their-benefits\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"great alternative\"})}),\" since the interest rates are generally higher. You should always track your money when you think about investing your hard earned dollars. \",/*#__PURE__*/e(n,{href:\"https://hiatus.app/signup/profile/goals?utm_source=hiatus_blog&utm_medium=organic&utm_campaign=are_cds_worth_it\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Hiatus is a perfect financial app that will allow you to do so and is easy to use\"})}),\"!\"]})]}),[g]:!0,[p]:\"Looking to invest but unsure of whether CDs are worth it or not? Learn the pros and cons so you can make an informed decision.\",[f]:\"3 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!0,[A]:!1,[S]:!1},{id:\"gpp9QxfCH\",[i]:\"9 of The Most Common Budgeting Mistakes to Avoid\",[s]:\"the-most-common-budgeting-mistakes-to-avoid\",[c]:\"April 22, 2023\",[l]:\"Editor's Picks\",[h]:j({src:\"https://framerusercontent.com/images/c0IHxMKASGEgZWs1etUSzXNno.jpg\",srcSet:\"https://framerusercontent.com/images/c0IHxMKASGEgZWs1etUSzXNno.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/c0IHxMKASGEgZWs1etUSzXNno.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/c0IHxMKASGEgZWs1etUSzXNno.jpg 1280w\"},\"The Most Common Budgeting Mistakes To Avoid\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"Budgeting is a crucial aspect of personal finance that helps individuals make better decisions with their money. When it comes to \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/must-dos-for-managing-your-budget\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"managing your budget\"})}),\", even the most financially savvy individuals can make mistakes. That\u2019s where we come into play. In this blog post, we'll explore nine of the most common budgeting mistakes to avoid, and offer tips to help you stay on track and achieve your financial goals.\"]}),/*#__PURE__*/e(\"h2\",{children:\"1. Not having a clear financial goal in mind\"}),/*#__PURE__*/t(\"p\",{children:[\"This might seem obvious but it's important to have a specific and achievable financial goal when budgeting. Whether it\u2019s saving for a down payment on a house, \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-save-money-fast-on-a-low-income\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"hoWturXQx\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"paying off debt\"})}),\", or building an emergency fund, you should have your financial goals clear so you know what you\u2019re working with. The more detailed a plan you have with goals in mind, the better off you will be when making your budget. Without a clear goal, it can be easy to lose motivation and make unwise spending decisions.\"]}),/*#__PURE__*/e(\"img\",{alt:\"girl thinking about financial goals\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,wAF2LJvYAz1NXE4UKA48iOHbQ.jpg\",\"data-framer-height\":\"3840\",\"data-framer-width\":\"5760\",height:\"1920\",src:\"https://framerusercontent.com/images/wAF2LJvYAz1NXE4UKA48iOHbQ.jpg?scale-down-to=4096\",style:{aspectRatio:\"5760 / 3840\"},width:\"2880\"})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"2. Not tracking expenses\"}),/*#__PURE__*/e(\"p\",{children:\"Not tracking your expenses is one of the common budgeting mistakes to avoid. In order to create an effective budget, it\u2019s essential to know where your money is going. This means tracking all of your expenses, including fixed costs like rent and utilities, as well as variable expenses like groceries and entertainment. Many people make the mistake of not tracking where they\u2019re spending their money which makes it difficult to identify areas where they may be overspending.\"}),/*#__PURE__*/t(\"p\",{children:[\"There are a number of ways you can keep track of your expenses. Some people enjoy spreadsheets, while others go the budgeting app route. Certain budgeting apps, like \",/*#__PURE__*/e(n,{href:\"https://hiatus.app/signup/profile/goals?utm_source=hiatus_blog&utm_medium=organic&utm_campaign=the_most_common_budgeting_mistakes_to_avoid\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Hiatus\"})}),\", allow you to create custom budgets based on your spending and categorize your expenses in different categories. Whichever method works best for you, it\u2019s key to stay consistent when tracking your expenses.\"]})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"3. Overspending\"}),/*#__PURE__*/e(\"p\",{children:\"Overspending can really derail your financial goals. It\u2019s important to be mindful of your spending habits and create a realistic budget to stick to.\\xa0Sometimes we get caught up in the moment and make impulsive purchases, but overspending can lead to debt, financial stress, and hinder your progress towards achieving your financial goals.\"}),/*#__PURE__*/e(\"p\",{children:\"One way to avoid overspending is using the envelope method, where you allocate a certain amount of cash for each budget category and only spend what's in the envelope. Another way not to overspend is to plan your purchases in advance and not make any impulsive purchases. Creating a shopping list before going to the store is one way prioritize your needs verse your wants.\"}),/*#__PURE__*/e(\"img\",{alt:\"Overspending\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,9uypYjcHtqWDFvybfUEMxX9ocEc.jpg\",\"data-framer-height\":\"3104\",\"data-framer-width\":\"4672\",height:\"1552\",src:\"https://framerusercontent.com/images/9uypYjcHtqWDFvybfUEMxX9ocEc.jpg?scale-down-to=4096\",style:{aspectRatio:\"4672 / 3104\"},width:\"2336\"}),/*#__PURE__*/e(\"h2\",{children:\"4. Failing to plan for unexpected expenses\"}),/*#__PURE__*/e(\"p\",{children:\"Emergencies and unexpected expenses are a part of life, and it's important to have a plan in place to deal with them. Things like car repairs, medical bills, or even home repairs can arise at any time so you can find yourself in trouble if you don\u2019t plan for these expenses. Failing to plan for the unexpected can lead to overspending and financial stress.\"}),/*#__PURE__*/e(\"p\",{children:\"To avoid this mistake, it\u2019s important to build an emergency fund or set aside money for these expenses as part of your budget. Ideally these funds should have at least three to six months worth of living costs. This will help you avoid having to use credit cards or even taking out a loan to cover these costs and stay on track with your financial goals.\\xa0\"}),/*#__PURE__*/e(\"img\",{alt:\"medical expenses\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,v8wdloKCQdENKyo7SvUcBLoP8YA.jpg\",\"data-framer-height\":\"3712\",\"data-framer-width\":\"5568\",height:\"1856\",src:\"https://framerusercontent.com/images/v8wdloKCQdENKyo7SvUcBLoP8YA.jpg?scale-down-to=4096\",style:{aspectRatio:\"5568 / 3712\"},width:\"2784\"}),/*#__PURE__*/e(\"h2\",{children:\"5. Not adjusting the budget as circumstances change\"}),/*#__PURE__*/t(\"p\",{children:[\"Life is constantly changing so it\u2019s important to be flexible with your budget. This means regularly reviewing your \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"personal-budgets-what-they-are-and-why-you-need-one\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"S_lPF5OK9\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"personal budget\"})}),\" and making adjustments as needed to reflect changes in your income, expenses, and financial goals. It\u2019s okay to have to decrease your budget if that\u2019s what your income calls for. Failing to adjust your budget can lead to problems down the road and make it difficult to reach your financial goals. Be sure to review them and make adjustments as needed, whether that is cutting back in a certain category or allocating more elsewhere.\\xa0\"]}),/*#__PURE__*/e(\"img\",{alt:\"Adjusting budget\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,0p8M92a2xRbNbIbwiaUZ0PrVFXc.jpg\",\"data-framer-height\":\"4912\",\"data-framer-width\":\"7360\",height:\"2456\",src:\"https://framerusercontent.com/images/0p8M92a2xRbNbIbwiaUZ0PrVFXc.jpg?scale-down-to=4096\",style:{aspectRatio:\"7360 / 4912\"},width:\"3680\"}),/*#__PURE__*/e(\"h2\",{children:\"6. Underestimating expenses\"}),/*#__PURE__*/e(\"p\",{children:\"When it comes to creating a budget, a common mistake that is often made is only taking into consideration things you pay for on a monthly basis. Cell phone bills, rent, insurance quotes, gym memberships but that\u2019s where we go wrong. It's important to be realistic and account for all of your expenses. This includes both regular and occasional expenses, such as holiday/birthday gifts or annual insurance premiums. Underestimating expenses can lead to overspending and falling behind on your budget.\"}),/*#__PURE__*/e(\"img\",{alt:\"gym membership expense\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,CNPvdHE2dLkg8PIOvMqJJHa8ro.jpg\",\"data-framer-height\":\"3333\",\"data-framer-width\":\"5000\",height:\"1666\",src:\"https://framerusercontent.com/images/CNPvdHE2dLkg8PIOvMqJJHa8ro.jpg?scale-down-to=4096\",style:{aspectRatio:\"5000 / 3333\"},width:\"2500\"}),/*#__PURE__*/e(\"h2\",{children:\"7. Relying too heavily on credit\"}),/*#__PURE__*/t(\"p\",{children:[\"While it can be tempting to use credit to make ends meet, it's important to be cautious. \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-pay-off-10-000-credit-card-debt\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"j2PscW67u\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Credit card debt \"})}),\"can quickly add up, especially if you're only making minimum payments. Ignoring debt payments is a common budgeting mistake that can have serious consequences. Whether it\u2019s a \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-choose-the-best-second-credit-card\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"gFKjLkrQd\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"second credit card\"})}),\" you forgot about, a \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"joint-credit-card\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"PUSPM2Rnj\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"joint credit card\"})}),\",  or \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"ways-to-prepare-for-student-loan-payments\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"QP6DkuVp9\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"student loans\"})}),\", failing to make payments can lead to fees, penalties and will negatively affect your credit score.\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[\"A quick fix for this is to \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"credit-card-debt-forgiveness-the-cold-hard-truths-you-need-to-know\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"jXoPoqV9c\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"prioritize debt payments\"})}),\" and make them a part of your budget. Putting aside a certain amount of money each month towards debt payments will help you stay on track and avoid penalties or fees. It's also important to keep in mind the interest rates on your debts. Debts with a higher \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"apy-vs-interest-rate-breaking-down-the-difference\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"FKEpUEzkO\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"interest rate\"})}),\" should be paid off first followed by ones with lower rates. This strategy will allow you to pay off your credit much quicker.\\xa0\"]}),/*#__PURE__*/e(\"img\",{alt:\"credit card debt\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,E1deRNxg1iB8X9KMk6FALMgs3E.jpg\",\"data-framer-height\":\"3100\",\"data-framer-width\":\"4650\",height:\"1550\",src:\"https://framerusercontent.com/images/E1deRNxg1iB8X9KMk6FALMgs3E.jpg?scale-down-to=4096\",style:{aspectRatio:\"4650 / 3100\"},width:\"2325\"}),/*#__PURE__*/e(\"h2\",{children:\"8. Not prioritizing expenses\"}),/*#__PURE__*/e(\"p\",{children:\"When creating a budget, it's important to distinguish between necessary expenses and discretionary expenses. Necessary expenses are those that are essential, such as housing, utilities, and food. Discretionary expenses are those that aren\u2019t, such as entertainment and dining out.\"}),/*#__PURE__*/e(\"p\",{children:\"If you don\u2019t prioritize expenses, it can be easy to overspend on discretionary expenses, leaving you with little or no money left for necessary expenses. One way to avoid this mistake is to create a hierarchy of your expenses. Start with the most important expenses (rent/mortgage, groceries) at the top and then work your down.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"It\u2019s also beneficial to cut back on your non-prioritized expenses. For example, if you're spending too much money on subscription services or unnecessary purchases, consider cutting back or eliminating these expenses altogether. The Hiatus app will allow you to see all your subscriptions in one place and will cancel them for you in just a few taps. This will free up more money for your essential expenses and help you stay on track with your budget.\"}),/*#__PURE__*/e(\"img\",{alt:\"prioritizing expenses\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,rSho6gCbHSgqmr8M1El15rWK60Q.jpg\",\"data-framer-height\":\"3712\",\"data-framer-width\":\"5568\",height:\"1856\",src:\"https://framerusercontent.com/images/rSho6gCbHSgqmr8M1El15rWK60Q.jpg?scale-down-to=4096\",style:{aspectRatio:\"5568 / 3712\"},width:\"2784\"}),/*#__PURE__*/e(\"h2\",{children:\"9. Failing to account for irregular income\"}),/*#__PURE__*/e(\"p\",{children:\"For those who have irregular income, it can be challenging to create a budget. Freelancers and other professions may bring in triple their normal income one month and only a quarter of it the next month. It's important to take this into consideration and to be prepared for leaner months. This may involve saving a portion of your income when you have a windfall, or finding ways to cut expenses during slower times. Some may prefer to estimate their income for the month and allocate their money accordingly so they don\u2019t wind up overspending.\"}),/*#__PURE__*/e(\"img\",{alt:\"Freelancers\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,TRJtVdXnk0tJGdW5kX3Vwxn83xQ.jpg\",\"data-framer-height\":\"5304\",\"data-framer-width\":\"7952\",height:\"2652\",src:\"https://framerusercontent.com/images/TRJtVdXnk0tJGdW5kX3Vwxn83xQ.jpg?scale-down-to=4096\",style:{aspectRatio:\"7952 / 5304\"},width:\"3976\"}),/*#__PURE__*/e(\"h2\",{children:\"Take Steps To Improve Your Finances\"}),/*#__PURE__*/t(\"p\",{children:[\"Budgeting mistakes can prevent you from achieving your financial goals. By avoiding these common mistakes\\xa0you can take control of your finances and be on your way to achieving long-term financial success. Remember to stay disciplined, patient, and committed to your plan. Before you know it, you'll know \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-make-10k-a-month\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"hfF4znXYE\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"how to make $10,000 a month\"})}),\". \"]})]}),[g]:!0,[p]:\"Learn the most common budgeting mistakes to avoid and take control of your finances. Start saving more money and achieving your financial goals today!\",[f]:\"4 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!0,[A]:!1,[S]:!1},{id:\"jHBadCKU4\",[i]:\"9 Steps To Improve Your Finances This Year\",[s]:\"steps-to-improve-your-finances-this-year\",[c]:\"April 20, 2023\",[l]:\"Hiatus Guides\",[h]:j({src:\"https://framerusercontent.com/images/eJvmK1uxr6TTQsrcUBeBcBz7KrI.jpg\",srcSet:\"https://framerusercontent.com/images/eJvmK1uxr6TTQsrcUBeBcBz7KrI.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/eJvmK1uxr6TTQsrcUBeBcBz7KrI.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/eJvmK1uxr6TTQsrcUBeBcBz7KrI.jpg 1280w\"},\"Improve Your Finances Graph\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"If you\u2019re like most people, improving your finances may be on the top of your to-do list this year. Whether it\u2019s looking for \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"i-need-money-now-quick-ways-to-get-money-fast\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"Bdixgy1mK\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"quick ways to get money fast\"})}),\", pay off debt, or invest for the future, managing your finances can be a dreadful task.\"]}),/*#__PURE__*/e(\"p\",{children:\"But with the right strategies and a bit of discipline, you can achieve your money goals and take control of your finances. Here are nine steps to help you improve your finances this year.\"}),/*#__PURE__*/e(\"h2\",{children:\"1. Set Clear Goals\"}),/*#__PURE__*/e(\"p\",{children:\"The first step to boosting your finances is to set clear financial goals for yourself. A great way to start is by asking yourself what it is that you\u2019re looking to achieve this year. These could range from short-term goals like saving up for a vacation or car repair, to long-term goals such as investing in retirement savings or paying off debt. Having well-defined goals will give you something to work towards throughout the year and can help keep you motivated.\"}),/*#__PURE__*/e(\"img\",{alt:\"Goals list\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,nv0yUfxzygipnd4PGNUnR5onRLc.jpg\",\"data-framer-height\":\"3648\",\"data-framer-width\":\"5472\",height:\"1824\",src:\"https://framerusercontent.com/images/nv0yUfxzygipnd4PGNUnR5onRLc.jpg?scale-down-to=4096\",style:{aspectRatio:\"5472 / 3648\"},width:\"2736\"})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"2. Create a Budget\"}),/*#__PURE__*/t(\"p\",{children:[\"Once you know what you\u2019re looking to accomplish, you should create a \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"personal-budgets-what-they-are-and-why-you-need-one\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"S_lPF5OK9\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"personal budget\"})}),\" that reflects your financial goals. Knowing how much money you have coming in and going out each month will allow you to prioritize spending and set realistic financial goals. Using an app like Hiatus will allow you to create and \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/must-dos-for-managing-your-budget\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"manage your monthly budgets\"})}),\" based on spending and ensure that you are living within your means.\"]}),/*#__PURE__*/e(\"img\",{alt:\"Man creating budget\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,btfIb5ZaYQRLorE6O6jHvA3fLY.jpg\",\"data-framer-height\":\"6921\",\"data-framer-width\":\"10382\",height:\"3460\",src:\"https://framerusercontent.com/images/btfIb5ZaYQRLorE6O6jHvA3fLY.jpg?scale-down-to=4096\",style:{aspectRatio:\"10382 / 6921\"},width:\"5191\"}),/*#__PURE__*/e(\"h2\",{children:\"3. Track Monthly Expenses\"}),/*#__PURE__*/t(\"p\",{children:[\"Seeing where your money is going and figuring out how you might be able to allocate it better is key to improving your finances. Some people prefer writing down their expenses on a piece of paper the old fashioned way or by using a spreadsheet. But with apps like \",/*#__PURE__*/e(n,{href:\"https://hiatus.app/signup/profile/goals?utm_source=hiatus_blog&utm_medium=organic&utm_campaign=steps_to_improve_your_finances_this_year\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Hiatus\"})}),\", you can automatically track your finances and see exactly how much and where you\u2019re spending your money. Using an app will give access at all times to view these expenses instead of having to carry around a piece of paper.\"]}),/*#__PURE__*/e(\"img\",{alt:\"Tracking Monthly Expenses\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,KXPoAebMMAxW1If7mFeTByoLBKg.png\",\"data-framer-height\":\"852\",\"data-framer-width\":\"1555\",height:\"426\",src:\"https://framerusercontent.com/images/KXPoAebMMAxW1If7mFeTByoLBKg.png\",style:{aspectRatio:\"1555 / 852\"},width:\"777\"})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"4. Reduce Your Expenses\"}),/*#__PURE__*/t(\"p\",{children:[\"This goes hand in hand with tracking your expenses. Being able to identify areas where you can cut back on your spending is equally as important to achieve your goals faster. Evaluate which of your expenses are necessary, such as rent or groceries, and which ones can be reduced or eliminated altogether. Things such as eating out or canceling subscriptions that aren't being used often enough are a great way. The \",/*#__PURE__*/e(n,{href:\"https://hiatus.app/signup/profile/goals?utm_source=hiatus_blog&utm_medium=organic&utm_campaign=steps_to_improve_your_finances_this_year\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Hiatus app\"})}),\" allows you to see all your subscriptions in one place and even lets you cancel them in just a few taps.\"]}),/*#__PURE__*/e(\"img\",{alt:\"reducing expenses\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,TjXtOWulbBoHBNuNHvzYxUagA.jpeg\",\"data-framer-height\":\"3144\",\"data-framer-width\":\"4698\",height:\"1572\",src:\"https://framerusercontent.com/images/TjXtOWulbBoHBNuNHvzYxUagA.jpeg?scale-down-to=4096\",style:{aspectRatio:\"4698 / 3144\"},width:\"2349\"}),/*#__PURE__*/e(\"h2\",{children:\"5. Invest In Your Future\"}),/*#__PURE__*/t(\"p\",{children:[\"Another way to work towards reaching your financial objectives is by \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/simple-ways-to-save-money-each-month\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"saving money\"})}),\" and investing in your future. Whether you \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/side-hustles-that-can-earn-you-money\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"start a side hustle\"})}),\", put some of your monthly income in a \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/what-a-high-yield-savings-accounts-is-and-how-it-works\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"high yield savings account\"})}),\", or invest in services such as \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-start-investing-in-stocks\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"z4pHA2blY\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"stocks\"})}),\", \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"401-k-vs-roth-ira-vs-traditional-roth\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"fwgZzGjkf\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"401(k)s or retirement accounts\"})}),\", being able to automate your savings will come in handy down the line.\"]}),/*#__PURE__*/e(\"p\",{children:\"Decide what percentage of each paycheck you want to put aside so that it becomes second nature over time and requires less effort on your part. This takes out the stress of manually transferring money into different accounts each month.\"}),/*#__PURE__*/e(\"img\",{alt:\"knockinn on your fututre\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,lOXYVoOU46uXf60sooF04yHEc8M.jpg\",\"data-framer-height\":\"3744\",\"data-framer-width\":\"5616\",height:\"1872\",src:\"https://framerusercontent.com/images/lOXYVoOU46uXf60sooF04yHEc8M.jpg?scale-down-to=4096\",style:{aspectRatio:\"5616 / 3744\"},width:\"2808\"}),/*#__PURE__*/e(\"h2\",{children:\"6. Pay Off Your Debt\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"credit-card-debt-forgiveness-the-cold-hard-truths-you-need-to-know\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"jXoPoqV9c\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Debt\"})}),\" can be a significant financial burden, and paying it off is crucial to achieving financial stability. Start by listing all your debts and creating a plan for paying them off. There are two approaches people tend to take when paying off their debt.\"]}),/*#__PURE__*/t(\"p\",{children:[\"The first is by \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-pay-off-10-000-credit-card-debt\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"j2PscW67u\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"paying off the debt with the highest interest rate first\"})}),\", and then work your way down the list once that gets paid off. Or, you can pay off your debts with the smallest balance first and then proceed by paying off the next smallest one afterwards. Whichever method you decide works best for you, it\u2019s important to stick to your budget so you avoid taking on new debt while paying off existing ones.\"]}),/*#__PURE__*/e(\"img\",{alt:\"pay off your debt\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,47b7tON0dEemiyzIHm8I5bLWSc.jpg\",\"data-framer-height\":\"3712\",\"data-framer-width\":\"5568\",height:\"1856\",src:\"https://framerusercontent.com/images/47b7tON0dEemiyzIHm8I5bLWSc.jpg?scale-down-to=4096\",style:{aspectRatio:\"5568 / 3712\"},width:\"2784\"}),/*#__PURE__*/e(\"h2\",{children:\"7. Stay Informed With Current Events\"}),/*#__PURE__*/e(\"p\",{children:\"Part of managing one's finances involves staying informed about relevant news topics. Changes in tax laws or new investment opportunities may affect your portfolio positively or negatively, so being quick to take action can put you ahead of the game. This allows you to either reap the benefits from positive changes or limit the damages if it\u2019s not so good news.\"}),/*#__PURE__*/e(\"p\",{children:\"Different platforms that help you stay on top of current events and trends include listening to finance podcasts regularly or following finance related blogs and social media accounts. These updates should help give you an edge when it comes to making investment decisions.\"}),/*#__PURE__*/e(\"img\",{alt:\"listening to financial podcast\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,o8u5E3cIZnMeUyHAgdFZguMnFM.jpg\",\"data-framer-height\":\"4994\",\"data-framer-width\":\"7487\",height:\"2497\",src:\"https://framerusercontent.com/images/o8u5E3cIZnMeUyHAgdFZguMnFM.jpg?scale-down-to=4096\",style:{aspectRatio:\"7487 / 4994\"},width:\"3743\"}),/*#__PURE__*/e(\"h2\",{children:\"8. Know Your Risk Tolerance Level\"}),/*#__PURE__*/e(\"p\",{children:\"Taking risks with one's hard-earned money is a crucial factor for any investor, but it\u2019s not just about sticking to the secure route. Knowing your own individual risk tolerance level allows you to confidently explore investment opportunities without taking on more than what makes sense and being too risky. Being aware of how far out of your comfort zone can enable you to make bolder decisions when confident, or help you recognize when you should take a step back before entering dangerous territory.\"}),/*#__PURE__*/e(\"img\",{alt:\"risk tolerance\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,ZKColUTYzKVNWpVuUfHK2omfA.jpg\",\"data-framer-height\":\"4480\",\"data-framer-width\":\"6720\",height:\"2240\",src:\"https://framerusercontent.com/images/ZKColUTYzKVNWpVuUfHK2omfA.jpg?scale-down-to=4096\",style:{aspectRatio:\"6720 / 4480\"},width:\"3360\"}),/*#__PURE__*/e(\"h2\",{children:\"9. Monitor Credit Score\"}),/*#__PURE__*/t(\"p\",{children:[\"Staying on top of your credit score is essential for achieving financial success. It offers a valuable insight into any missteps from the past, and allows you to take proactive action in order build trustworthiness with creditors and banks alike. In other words, regularly monitoring your credit can open countless doors - maybe even that dream \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"apy-vs-interest-rate-breaking-down-the-difference\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"FKEpUEzkO\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"loan at an unbelievably low interest rate\"})}),\"! So don't wait- taking steps towards improving your financially secure future today will make all the difference tomorrow.\"]}),/*#__PURE__*/e(\"img\",{alt:\"checking credit score\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,2BIJTePrJiPIzFTNE2TEU0z20U4.jpg\",\"data-framer-height\":\"4673\",\"data-framer-width\":\"7002\",height:\"2336\",src:\"https://framerusercontent.com/images/2BIJTePrJiPIzFTNE2TEU0z20U4.jpg?scale-down-to=4096\",style:{aspectRatio:\"7002 / 4673\"},width:\"3501\"}),/*#__PURE__*/e(\"h2\",{children:\"Become a Better You Today\"}),/*#__PURE__*/e(\"p\",{children:\"Improving your finances can be a challenging task but it\u2019s one that\u2019s well worth the effort. Just like all things, practice makes perfect. Following these nine steps will allow you to take control of your finances and achieve your money goals. So start today and take the first step towards financial freedom!\"})]}),[g]:!0,[p]:\"Ready to take control of your financial future? Discover nine easy-to-follow steps to improve your finances this year and help you reach your goals.\",[f]:\"6 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!0,[T]:!1,[A]:!1,[S]:!1},{id:\"aqyXtqPid\",[i]:\"Alternatives to High Yield Savings Accounts & Their Benefits\",[s]:\"alternatives-to-high-yield-savings-accounts-their-benefits\",[c]:\"April 14, 2023\",[l]:\"Banking\",[h]:j({src:\"https://framerusercontent.com/images/osrkZiLnAYI5FS8tbu3K2SHD1M.jpg\",srcSet:\"https://framerusercontent.com/images/osrkZiLnAYI5FS8tbu3K2SHD1M.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/osrkZiLnAYI5FS8tbu3K2SHD1M.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/osrkZiLnAYI5FS8tbu3K2SHD1M.jpg 1280w\"},\"Alternatives to High Yield Savings Accounts\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/what-a-high-yield-savings-accounts-is-and-how-it-works\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"High yield savings accounts\"})}),\" have been a popular choice for many savers over the years. Offering higher interest rates than traditional savings accounts, high yield savings accounts are an attractive option for people who want to grow their savings while keeping their money liquid.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"However, with the current interest rate environment, yields on high yield savings accounts have become less competitive. People looking to grow their financial wealth are now looking for alternatives that can offer more benefits. Read on to learn about seven alternatives to high yield savings accounts that you might want to consider.\"}),/*#__PURE__*/t(\"h2\",{children:[\"1. \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/cd-vs-savings-accounts-investing-in-your-future\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Certificate of Deposit (CD)\"})}),\"\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[\"Certificates of deposit are one alternative to a high yield savings account. Generally, CDs offer \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"apy-vs-interest-rate-breaking-down-the-difference\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"FKEpUEzkO\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"higher interest rates\"})}),\" than traditional savings accounts and are a great option for people who don\u2019t need immediate access to their funds.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"They come with fixed terms, ranging from a few months to several years, making them an excellent option if you have long-term goals. The interest rate is fixed and most times, higher interest rates will come with CDs that have longer terms. The one downside to CDs is you can't withdraw your money before the maturity date without paying a penalty. Some financial institutions have no-penalty CDs as an option.\"}),/*#__PURE__*/e(\"img\",{alt:\"certificate of deposit investment\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,JuaPvURBZ4IySXSF6nLrYjsFM.jpg\",\"data-framer-height\":\"4912\",\"data-framer-width\":\"7360\",height:\"2456\",src:\"https://framerusercontent.com/images/JuaPvURBZ4IySXSF6nLrYjsFM.jpg?scale-down-to=4096\",style:{aspectRatio:\"7360 / 4912\"},width:\"3680\"}),/*#__PURE__*/t(\"h2\",{children:[\"2. \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"cds-vs-money-market-accounts-decoding-the-savings-options\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"fq9EcEoVO\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Money Market Accounts\"})}),\"\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"Money market accounts offer higher rates than traditional savings accounts and are typically more flexible than CDs. These accounts have check-writing privileges, which make them an ideal option for people who want immediate access to their funds.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"However, money market accounts may have more restrictions on withdrawals, such as a maximum limit per month. Also, you may be required to maintain a minimum balance in your account. Be sure to compare the interest rates and any fees associated with these accounts before choosing one.\"})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"3. Municipal Bonds\"}),/*#__PURE__*/e(\"p\",{children:\"Municipal bonds are issued by local governments and offer tax-free income. They are debt securities that are often used to fund schools, hospitals, and the construction of roads. Municipal bonds come with fixed terms, ranging from a few years to several decades, and offer higher yields than many savings accounts.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"However, since they are not FDIC-insured, they come with some risks, such as the possibility of default. Municipal bonds are an excellent option for high-income earners who want to invest in a tax-efficient manner.\"})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"4. High Yield Checking Accounts\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Some banks offer high yield checking accounts with higher interest rates than traditional checking accounts. Another benefit of high yield checking accounts is that some of these accounts come with no monthly fees. Some also offer ATM fee reimbursements, mobile deposit, and other online banking features. High yield checking accounts are an excellent option for people who want to keep their money liquid but earn more interest.\"}),/*#__PURE__*/e(\"p\",{children:\"On the flip side, high yield checking accounts may require certain criteria to be met, such as a minimum balance in the account or a certain number of transactions per month. It\u2019s important to be aware of any fees that may be associated with these accounts.\"}),/*#__PURE__*/e(\"img\",{alt:\"high yield checking account report\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,7bhQPBkXo71Jis5iEISPnarAm4.jpg\",\"data-framer-height\":\"5504\",\"data-framer-width\":\"8256\",height:\"2752\",src:\"https://framerusercontent.com/images/7bhQPBkXo71Jis5iEISPnarAm4.jpg?scale-down-to=4096\",style:{aspectRatio:\"8256 / 5504\"},width:\"4128\"}),/*#__PURE__*/e(\"h2\",{children:\"5. Peer-to-Peer Lending\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Peer-to-peer lending is a newer type of investment where you lend money directly to individuals or small businesses, cutting out the traditional financial institutions. These platforms offer higher yields than many savings accounts, but they also come with higher risks. P2P lending has gained popularity in recent years, but it\u2019s important to understand the risk involved as borrowers may default on their loans.\"}),/*#__PURE__*/e(\"h2\",{children:\"6. Treasury Bonds\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"Similar to a municipal bond, \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-cash-in-savings-bonds\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"IqwEImqjH\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"treasury bonds are government debt securities\"})}),\" but instead of local governments, they are backed by the U.S federal government. Most treasury bonds have a maturity period ranging from 10 to 30 years and will earn you interest over this period of time. Interest rates on these bonds can reach around 4% and are both state and local income tax free. Treasury bonds are for those who are investing long term and are a great alternative to high yield savings accounts.\"]}),/*#__PURE__*/e(\"img\",{alt:\"Treasury bond money\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,ceGAFDvUoZ5KDSgrwNp6BjNS1lU.jpg\",\"data-framer-height\":\"3094\",\"data-framer-width\":\"5000\",height:\"1547\",src:\"https://framerusercontent.com/images/ceGAFDvUoZ5KDSgrwNp6BjNS1lU.jpg?scale-down-to=4096\",style:{aspectRatio:\"5000 / 3094\"},width:\"2500\"}),/*#__PURE__*/t(\"h2\",{children:[\"7. \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-make-10k-a-month\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"hfF4znXYE\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Investment Accounts\"})})]}),/*#__PURE__*/t(\"p\",{children:[\"Investment funds such as mutual funds, index funds, and exchange-traded funds (ETFs) can be a good option for those willing to take on more risk for potentially higher returns. These types of funds invest in a diversified portfolio of \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-start-investing-in-stocks\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"z4pHA2blY\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"stocks\"})}),\", bonds, or other types of assets.\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[\"One risk involved with investing is that there is no guarantee of returns, and the money you put in can go up and down in value. Some even think that investing is too risky but that\u2019s just one of the \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"common-myths-about-money-and-how-to-avoid-them\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"hnavhRvZd\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"common misconceptions about money\"})}),\". While it is true that your investment can go down, you can manage that risk by spreading your investments over different accounts.\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"img\",{alt:\"man checking investment accounts\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,dSqyvTpm89lYaGssnb3jRpisOs.jpg\",\"data-framer-height\":\"3734\",\"data-framer-width\":\"5602\",height:\"1867\",src:\"https://framerusercontent.com/images/dSqyvTpm89lYaGssnb3jRpisOs.jpg?scale-down-to=4096\",style:{aspectRatio:\"5602 / 3734\"},width:\"2801\"}),/*#__PURE__*/e(\"h2\",{children:\"Being Comfortable With Your Investments\"}),/*#__PURE__*/t(\"p\",{children:[\"While high yield savings accounts can be a good option for short-term savings, they may not be the best option for everyone. There are a \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"401-k-vs-roth-ira-vs-traditional-roth\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"fwgZzGjkf\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"variety of alternative investment options\"})}),\" available that may offer higher returns, but they also come with different risks and restrictions. Knowing what your finance situation looks like is key when you plan on investing. An app like \",/*#__PURE__*/e(n,{href:\"https://app.adjust.com/161605d6_167r5vg7\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Hiatus allows you to link your different bank accounts and keep track of your finances\"})}),\". Be sure to do your research and compare different options before making any investment decisions. Every investment comes with some level of risk and it's up to you to determine what you're comfortable with.\"]})]}),[g]:!0,[p]:\"Looking for higher returns on your savings? Read this article to learn more about the alternatives to high-yield savings accounts and their key benefits.\",[f]:\"5 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!0,[A]:!1,[S]:!1},{id:\"fOF_s96nT\",[i]:\"CD vs Savings Accounts: Investing in Your Future\",[s]:\"cd-vs-savings-accounts-investing-in-your-future\",[c]:\"April 13, 2023\",[l]:\"Banking\",[h]:j({src:\"https://framerusercontent.com/images/QpDpgUNMMw5aAVBs4eSzmr8DXG0.jpg\",srcSet:\"https://framerusercontent.com/images/QpDpgUNMMw5aAVBs4eSzmr8DXG0.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/QpDpgUNMMw5aAVBs4eSzmr8DXG0.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/QpDpgUNMMw5aAVBs4eSzmr8DXG0.jpg 1280w\"},\"CDs vs Savings Accounts\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"When it comes to saving money, there are several options available. While some may choose to keep their money tucked away in a shoebox, others look for safer ways to secure their financial future.\",/*#__PURE__*/e(\"strong\",{children:\" Two popular choices for saving money are certificates of deposit (CD) and savings accounts\"}),\".\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"While both options offer a way to increase your financial wellbeing, there are significant differences between the two. Let\u2019s take a deeper dive to learn about both CDs and Savings accounts to help you choose which option is best tailored for your needs.\"}),/*#__PURE__*/e(\"h2\",{children:\"Savings Accounts\"}),/*#__PURE__*/e(\"p\",{children:\"Savings accounts are secure places to put money to help grow your net worth. The rate on a traditional savings account isn't fixed and will vary over time. Depending on the bank, interest rates can range anywhere from .01% to 5%.\"}),/*#__PURE__*/t(\"p\",{children:[\"With these rates varying so much, it is worth shopping around if you're looking to get the best rate. Online banks tend to offer \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/what-a-high-yield-savings-accounts-is-and-how-it-works\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"high-yield savings accounts\"})}),\" and can pay higher rates because they have less overhead to take into consideration.\"]}),/*#__PURE__*/e(\"h3\",{children:\"What is a savings account?\"}),/*#__PURE__*/e(\"p\",{children:\"A savings account is a standard bank account in which users deposit their money and earn interest on that balance over time.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Savings accounts let you freely transfer money to other account folders without any fee and allow you to withdraw cash at any time. However, some financial institutions may set a cap limit for the number of times you can withdraw in a given period.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"There are many alternatives to high-yield savings accounts, including a traditional savings account which brick-and-mortar financial institutions typically offer. These big banks have lower interest rates because they don\u2019t need to offer a competitive \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"apy-vs-interest-rate-breaking-down-the-difference\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"FKEpUEzkO\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"APY (annual percentage yield)\"})}),\".\"]})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h3\",{children:\"How a savings account works\"}),/*#__PURE__*/e(\"p\",{children:\"When opening up a savings account, there is very little, sometimes no minimum deposit that is required. Be sure to read the fine print because each bank has their own policies.\"}),/*#__PURE__*/e(\"p\",{children:\"It\u2019s also important to keep in mind that if you exceed the number of withdrawals you\u2019re allowed in a given statement period, you may risk losing your account. Some banks have policies that allow them to close your account or change it to a regular checking account as a penalty.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Once your account is open, the money can be easily accessible. Some financial institutions may charge a monthly fee if you don\u2019t have a certain amount of money in your account.\"}),/*#__PURE__*/e(\"h3\",{children:\"Advantages of a Savings Account\"}),/*#__PURE__*/e(\"p\",{children:\"The most significant advantage of savings accounts is its accessibility. You can withdraw or add money with ease. These accounts are insured by the FDIC, and have modest returns. Also, it's a highly liquid investment, as you can withdraw your funds at any time. All in all, savings accounts are much more flexible than certificates of deposit.\"}),/*#__PURE__*/e(\"img\",{alt:\"what is a savings account\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,HcZp1iNKktKwVSmiZrlUAuX4LTI.jpg\",\"data-framer-height\":\"4672\",\"data-framer-width\":\"7008\",height:\"2336\",src:\"https://framerusercontent.com/images/HcZp1iNKktKwVSmiZrlUAuX4LTI.jpg?scale-down-to=4096\",style:{aspectRatio:\"7008 / 4672\"},width:\"3504\"})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"Certificates of Deposit (CDs)\"}),/*#__PURE__*/e(\"p\",{children:\"For people who don\u2019t like risk and want a good rate of return, certificates of deposit can be a smart financial investment. They are also a safe place to put your money in order to grow your savings.\"}),/*#__PURE__*/t(\"p\",{children:[\"CDs have similarities to savings accounts but do differ in some ways. They can be useful for those looking to save their money for a specific reason, whether it be purchasing a car, \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/ways-to-save-money-while-traveling\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"looking to travel\"})}),\", or need to pay for student loans.\"]}),/*#__PURE__*/e(\"h3\",{children:\"What is a Certificate of Deposit?\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"are-cds-worth-it\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"Oqf_nDqbb\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Certificates of Deposit\"})}),\", or CDs, are a type of savings account that comes with a higher interest rate than most traditional savings accounts. Unlike fluctuating interest rates on savings accounts, the \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"cds-vs-money-market-accounts-decoding-the-savings-options\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"fq9EcEoVO\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"interest rate for a certificate of deposit is fixed\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"The tradeoff, however, is that you must leave your money in the account for a set amount of time. This time frame can range from several months to several years.\"}),/*#__PURE__*/e(\"img\",{alt:\"happy couple traveling\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,NYKrOQcNlTUGTpauV7ixTNmROQA.jpg\",\"data-framer-height\":\"5292\",\"data-framer-width\":\"7934\",height:\"2646\",src:\"https://framerusercontent.com/images/NYKrOQcNlTUGTpauV7ixTNmROQA.jpg?scale-down-to=4096\",style:{aspectRatio:\"7934 / 5292\"},width:\"3967\"}),/*#__PURE__*/e(\"h3\",{children:\"How a CD works\"}),/*#__PURE__*/e(\"p\",{children:\"Certificates of deposit can be opened at credit unions, brick-and-mortar banks as well as online banks. Before you open a CD account, it\u2019s helpful to know if the account is FDIC (Federal Deposit Insurance Corp) insured or not. Under this coverage, you will have up to $250,000 insured.\"}),/*#__PURE__*/e(\"p\",{children:\"Most financial institutions require that you deposit a certain amount of money when you open a CD account. These deposits can range from as little as $50 up to as much as $1,000. Unlike a traditional savings account, once you deposit the money into a CD, you won\u2019t be able to add money to that account until the term is finished.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"As previously mentioned, these accounts will generally pay higher rates but the bank will hold the money for a fixed period. Breaking the CD early can result in a penalty, which is why it's essential to understand the terms associated with the specific CD you are interested in.\\xa0\"}),/*#__PURE__*/e(\"h3\",{children:\"Advantages of CDs\"}),/*#__PURE__*/e(\"p\",{children:\"The most notable benefit of a CD is the higher interest rate, often 2.5% or more per year. This is because longer-term CDs typically generate higher returns. Plus, it\u2019s a low-risk investment, and your deposit is FDIC insured, depending on the bank. CDs are also ideal for people who need all their funds in the near future as they lock up your funds for a specific duration.\"}),/*#__PURE__*/e(\"img\",{alt:\"happy couple checking cd account\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,UifeqbUEHJfimjJ3SikAlIWKY.jpg\",\"data-framer-height\":\"3738\",\"data-framer-width\":\"5600\",height:\"1869\",src:\"https://framerusercontent.com/images/UifeqbUEHJfimjJ3SikAlIWKY.jpg?scale-down-to=4096\",style:{aspectRatio:\"5600 / 3738\"},width:\"2800\"}),/*#__PURE__*/e(\"h2\",{children:\"Choosing What\u2019s Best For You\"}),/*#__PURE__*/e(\"p\",{children:\"When comparing CDs and savings accounts, the choice comes down to your financial situation and goals. If you need a flexible and more accessible investment option, a savings account may be the better option for you. Savings accounts offer the advantage of access to money whenever you need it, but it's important to remember that the interest rate may be lower.\"}),/*#__PURE__*/e(\"p\",{children:\"On the other hand, if you\u2019re looking for a higher interest rate and have enough cash set aside that you won\u2019t need access to for some time, CDs may be the best option. Certificates of deposit are also ideal if you want to earn a higher interest rate on your money with minimal risk.\"}),/*#__PURE__*/e(\"h3\",{children:\"Other Factors to Consider:\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"When it comes to \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/simple-ways-to-save-money-each-month\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"saving money\"})}),\", it's important to keep in mind the different fees and charges associated with each option. For example, some banks may charge fees for withdrawals or deposits that exceed a certain number per month. With a CD, there may be penalties for breaking the CD before the end of the term. Regardless of which option you choose, it's essential to read the fine print and understand the fees and charges associated with each account.\"]}),/*#__PURE__*/t(\"p\",{children:[\"Ultimately, both CDs and savings accounts offer a way to save your money and grow your wealth. Personal finance apps, such as \",/*#__PURE__*/e(n,{href:\"https://app.adjust.com/161605d6_167r5vg7\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Hiatus\"})}),\", can help you keep track of your different accounts so you can see what you have and where.\"]}),/*#__PURE__*/e(\"img\",{alt:\"saving money\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,v5TrJsMDN7ToqyoUcIF2qW8.jpg\",\"data-framer-height\":\"3456\",\"data-framer-width\":\"5184\",height:\"1728\",src:\"https://framerusercontent.com/images/v5TrJsMDN7ToqyoUcIF2qW8.jpg?scale-down-to=4096\",style:{aspectRatio:\"5184 / 3456\"},width:\"2592\"})]}),[g]:!0,[p]:\"Are you looking to maximize your savings? Explore the differences between a CD and a Savings Account and find out which one can offer you better returns on investment.\",[f]:\"6 Min Read\",[y]:null,[w]:\"M2s5y3M5D\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!0,[A]:!1,[S]:!1},{id:\"nilkAR8o2\",[i]:\"High Yield Savings Accounts: Your Ticket to Financial Freedom\",[s]:\"what-a-high-yield-savings-accounts-is-and-how-it-works\",[c]:\"April 6, 2023\",[l]:\"Banking\",[h]:j({src:\"https://framerusercontent.com/images/YbfOwYC4Lk9s0TMHi5pbTTAMVyY.jpg\",srcSet:\"https://framerusercontent.com/images/YbfOwYC4Lk9s0TMHi5pbTTAMVyY.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/YbfOwYC4Lk9s0TMHi5pbTTAMVyY.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/YbfOwYC4Lk9s0TMHi5pbTTAMVyY.jpg 1280w\"},\"High Yield Savings Account\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"In today's world, it's more important than ever to have a solid financial plan in place. An essential component of such a plan is a savings account that earns interest. However, not all savings accounts are created equal. High yield savings accounts, in particular, can provide more benefits over traditional savings accounts.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"If you\u2019re looking to learn about what a high yield savings account is, how they work, and some key factors to consider when choosing one then you\u2019ve come to the right spot.\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"How A High Yield Savings Account Works\"}),/*#__PURE__*/t(\"p\",{children:[\"A \",/*#__PURE__*/e(\"strong\",{children:\"high yield savings account is a type of savings account that offers a higher interest rate compared to traditional savings accounts\"}),\". At times, these \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"apy-vs-interest-rate-breaking-down-the-difference\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"FKEpUEzkO\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"interest rates\"})}),\" can be 15-20 times higher than the national average rate! Instead of only getting a .03% interest rate on your savings, high yield saving account holders could make up to 3.5%.\"]}),/*#__PURE__*/e(\"p\",{children:\"With that being said, there are several factors that determine the interest rate of a high yield savings account. Some of these factors include the current market situation, as well as the financial institution that provides the account. Something else to consider is that interest rates for high yield savings accounts may vary based on the account balance. Quite different from traditional savings accounts, which offer the same rate no matter how much money is in the account.\"}),/*#__PURE__*/e(\"p\",{children:\"Besides higher interest rates, the main difference between a high yield savings account and a traditional savings account is that some financial institutions require a higher minimum balance for their high yield savings accounts. This means that account holders will most likely need to maintain a certain balance to not have to pay any additional fees and also to keep the high interest rate.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Something else to keep in mind is that just like a traditional savings account, the interest earned on high yield savings accounts is taxable income. Account holders should keep track of their interest earnings and report them on their tax returns each year. If you forget to do so, you could face some serious penalties and backlash.\"})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"Benefits of High Yield Savings Accounts\"}),/*#__PURE__*/e(\"p\",{children:\"There are several benefits to opening a high yield savings account over a traditional savings account. Some of the key advantages include:\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"10px\",\"--framer-text-color\":\"rgb(55, 65, 81)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Higher Interest Rates\"}),\": High yield savings accounts offer higher interest rates than traditional savings accounts. This means that these accounts will earn more money on their savings over time.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"10px\",\"--framer-text-color\":\"rgb(55, 65, 81)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Easy Access to Funds\"}),\": High yield savings accounts typically offer easy access to funds through online banking, mobile apps, and ATM withdrawals.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"10px\",\"--framer-text-color\":\"rgb(55, 65, 81)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Competitive APYs\"}),\": APY stands for Annual Percentage Yield, which is the amount of interest you earn on your savings account in one year. High yield savings accounts often offer competitive APYs, which can help your savings grow faster.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"10px\",\"--framer-text-color\":\"rgb(55, 65, 81)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"FDIC Insurance\"}),\": Most high yield savings accounts are FDIC-insured, however it depends on the financial institution. FDIC insured accounts account holders are protected for up to $250,000 in case the bank fails.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"10px\",\"--framer-text-color\":\"rgb(55, 65, 81)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"No Monthly Fees\"}),\": Many high yield savings accounts do not charge monthly maintenance fees. This helps account holders keep more of their hard-earned cash.\"]})})]}),/*#__PURE__*/t(\"p\",{children:[\"High yield savings accounts can provide a handful of benefits to those looking to \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-save-money-fast-on-a-low-income\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"hoWturXQx\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"maximize their savings\"})}),\" potential. However, it's important to carefully consider the features and benefits of different high yield savings accounts to find what best fits your needs.\"]})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"Key Factors to Consider When Choosing a High Yield Savings Account\"}),/*#__PURE__*/e(\"p\",{children:\"When choosing a high yield savings account, there are several important factors to consider. These include:\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"10px\",\"--framer-text-color\":\"rgb(55, 65, 81)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Interest Rates\"}),\": One of the main advantages of high yield savings accounts is the higher interest rates they offer. When comparing different accounts, be sure to look at the interest rates and APYs offered to ensure you're getting the best rate possible.\\xa0\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"10px\",\"--framer-text-color\":\"rgb(55, 65, 81)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Minimum Balance Requirements\"}),\": While it might not be the case for all of them, many high yield savings accounts have minimum balance requirements. This number can vary from a few hundred dollars to several thousand dollars. Be sure to check the minimum balance requirement and consider whether you can maintain that balance to avoid fees and keep the high interest rate.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"10px\",\"--framer-text-color\":\"rgb(55, 65, 81)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Fees\"}),\": There may be fees on things like monthly maintenance or excessive withdrawals. It\u2019s important to read the fine print and understand any fees associated with the account before opening it.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"10px\",\"--framer-text-color\":\"rgb(55, 65, 81)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"FDIC Insurance\"}),\": As we mentioned earlier, high yield savings accounts are typically FDIC-insured up to $250,000. However, it's still worthwhile to confirm that the account you're considering has FDIC insurance to ensure your savings are protected.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"10px\",\"--framer-text-color\":\"rgb(55, 65, 81)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Accessing Your Funds\"}),\": Many high yield savings accounts offer online banking and mobile app access, which can make it easy to manage your account and access your funds from anywhere.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"10px\",\"--framer-text-color\":\"rgb(55, 65, 81)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Customer Service\"}),\": Consider the quality of customer service offered by the financial institution you are deciding to open an account with. It could be useful to check ratings of the customer service provided so you know you\u2019ll be able to get help and support if needed.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"By carefully considering these key factors, you can choose a high yield savings account that is best for you.\"}),/*#__PURE__*/e(\"img\",{alt:\"high quality customer service\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,LOwE5qN2mamMQbO6R6wbIvPWHhc.jpg\",\"data-framer-height\":\"2987\",\"data-framer-width\":\"4260\",height:\"1493\",src:\"https://framerusercontent.com/images/LOwE5qN2mamMQbO6R6wbIvPWHhc.jpg?scale-down-to=4096\",style:{aspectRatio:\"4260 / 2987\"},width:\"2130\"}),/*#__PURE__*/e(\"h2\",{children:\"Takeaways\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"While there are many different \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"alternatives-to-high-yield-savings-accounts-their-benefits\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"aqyXtqPid\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"alternatives to high yield savings accounts\"})}),\", they are an excellent way to make the most of your savings and help you achieve your financial goals faster. It's important to do your research and see which financial institutions offer the best fit for your financial needs and goals. Before you make your final decision, remember to consider factors like interest rates, fees, and account features.\"]}),/*#__PURE__*/t(\"p\",{children:[\"In the present day, personal finance apps can help do a majority of the tedious work for you when trying to find the best deals. That\u2019s where Hiatus steps in. \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Hiatus\"})}),\", a personal finance app that helps you take control of your finances, can offer you deals on high yield savings accounts with the best rates. \",/*#__PURE__*/e(n,{href:\"https://app.adjust.com/161605d6_167r5vg7\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Download Hiatus\"})}),\" today and boost your money!\"]})]}),[g]:!0,[p]:\"Discover how a high yield savings account can help you earn more on your savings and reach your financial goals faster.\",[f]:\"7 Min Read\",[y]:null,[w]:\"M2s5y3M5D\",[b]:\"K68XL9Yj4\",[v]:!0,[k]:!1,[I]:!1,[x]:!1,[T]:!1,[A]:!1,[S]:!1},{id:\"KwybUcY6w\",[i]:\"9 Money Saving Travel Hacks: Save Big While You Explore\",[s]:\"ways-to-save-money-while-traveling\",[c]:\"May 23, 2022\",[l]:\"Hiatus Guides\",[h]:j({src:\"https://framerusercontent.com/images/gQJgP6zjrsdryGgLMPbTqkjA7RY.jpg\",srcSet:\"https://framerusercontent.com/images/gQJgP6zjrsdryGgLMPbTqkjA7RY.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/gQJgP6zjrsdryGgLMPbTqkjA7RY.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/gQJgP6zjrsdryGgLMPbTqkjA7RY.jpg 1280w\"},\"save-money-when-traveling.jpg\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Traveling can be expensive, but it doesn't have to be. There are many ways to save money while traveling, both big and small. You can easily slash your travel costs by being mindful of your spending and making a few adjustments.\"}),/*#__PURE__*/e(\"p\",{children:\"Eating smart, taking advantage of off-peak tickets and asking a local for advice on the best way to get around are a few ways you can put money back in your pockets.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"So whether you're planning a spring break or summer vacation trip, read on for some helpful advice on how to save money while traveling.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"1. Do Some Research Before You Go\"})}),/*#__PURE__*/e(\"p\",{children:\"Before booking your tickets or making any firm travel plans, it's essential to do your research. Not only will this help you save money, but you'll also be able to avoid any potential pitfalls along the way.\"}),/*#__PURE__*/e(\"p\",{children:\"This is key \u2013 by doing your research ahead of time, you'll be able to find the best deals on airfare, lodging, and more. There are plenty of resources to help you along the way. Websites like Skyscanner or Kayak allow you to compare airfare prices quickly and easily.\"}),/*#__PURE__*/e(\"p\",{children:\"For example, if you're headed to a popular destination like Paris, it's essential to research and find out what attractions are nearby. You wouldn\u2019t want to visit a city and miss out on seeing the most popular attractions there. You can also research your destination to find out if any festivals or events are happening that you could take advantage of.\"}),/*#__PURE__*/e(\"img\",{alt:\"research travel plans\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,TpJZrvyqyqOZZDFUJGvUIMhLWf0.jpg\",\"data-framer-height\":\"2336\",\"data-framer-width\":\"3504\",height:\"1168\",src:\"https://framerusercontent.com/images/TpJZrvyqyqOZZDFUJGvUIMhLWf0.jpg\",style:{aspectRatio:\"3504 / 2336\"},width:\"1752\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"2. Planning Can Help You Save Money On Flights And Hotels\"})})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"When it comes to travel, the early bird does get the worm. Planning your trip well in advance can save money on flights and hotels. This is because many airlines and hotels offer discounts for booking their tickets or rooms far in advance.\"}),/*#__PURE__*/e(\"p\",{children:\"If you're flexible with your travel dates, you may also be able to find better deals. Flying on a Tuesday or Wednesday is often cheaper than flying on a Friday or Sunday. Hotels generally offer lower rates during weekdays instead of the weekend as well.\"}),/*#__PURE__*/e(\"img\",{alt:\"hotel savings\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,GE5RyUVj5yMtDoDHJw8aYywjSo.jpg\",\"data-framer-height\":\"5792\",\"data-framer-width\":\"8688\",height:\"2896\",src:\"https://framerusercontent.com/images/GE5RyUVj5yMtDoDHJw8aYywjSo.jpg?scale-down-to=4096\",style:{aspectRatio:\"8688 / 5792\"},width:\"4344\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"3. Look For Free Activities In The City You're Visiting\"})}),/*#__PURE__*/e(\"p\",{children:\"One of the best ways to save money when traveling on a budget is to find free activities in the city you're visiting. Many cities offer a variety of free or discounted attractions, including museums, walking tours, and more.\"}),/*#__PURE__*/e(\"p\",{children:\"Numerous museums offer free admission on certain days or hours. This can be a great way to explore a new city without breaking the bank. Additionally, many cities offer walking tours that are a great way to see the sights and learn about the history and culture of the area.\"})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"4. Eat At Local Restaurants Instead Of Tourist Traps\"})}),/*#__PURE__*/e(\"p\",{children:\"One of the most significant expenses while traveling is food. To save money, try to eat at local restaurants instead of tourist traps. This will not only save you money but will also give you a more authentic experience.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Local restaurants often have lower prices than tourist traps, and they're usually a lot better in terms of quality and taste. To find local restaurants, you can ask the hotel staff or do a quick Google search.\"}),/*#__PURE__*/e(\"img\",{alt:\"local tapas\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,2Tjm2aFUyGPcpykewlZFaCtLxd8.jpg\",\"data-framer-height\":\"3000\",\"data-framer-width\":\"4500\",height:\"1500\",src:\"https://framerusercontent.com/images/2Tjm2aFUyGPcpykewlZFaCtLxd8.jpg?scale-down-to=4096\",style:{aspectRatio:\"4500 / 3000\"},width:\"2250\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"5. Bring Your Snacks And Drinks To Avoid Paying High Prices\"})}),/*#__PURE__*/e(\"p\",{children:\"One easy way to save money while traveling is to bring snacks and drinks instead of buying them on the road. This can not only help your wallet, but it can also help you avoid the hassle of trying to find a place to eat every time you get hungry.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Additionally, many tourist attractions and hotels charge exorbitant prices for food and drinks. You can avoid these high prices and save money by bringing your own.\"}),/*#__PURE__*/e(\"img\",{alt:\"hiker with water bottle\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,AtjT0y0laQOoyWo0jYfVIh2MDI.jpg\",\"data-framer-height\":\"4480\",\"data-framer-width\":\"6720\",height:\"2240\",src:\"https://framerusercontent.com/images/AtjT0y0laQOoyWo0jYfVIh2MDI.jpg?scale-down-to=4096\",style:{aspectRatio:\"6720 / 4480\"},width:\"3360\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"6. Pack Light To Avoid Checked Baggage Fees\"})}),/*#__PURE__*/e(\"p\",{children:\"Many airlines charge high fees for checked baggage, so it's best to pack only what you need. Also, packing light will help you avoid carrying a heavy suitcase. Pack items that can be easily rolled up, such as t-shirts and jeans, to make packing a breeze.\"}),/*#__PURE__*/e(\"p\",{children:\"In addition, make sure to wear your heaviest items, such as jackets and shoes, on the plane to save space in your suitcase. Following these tips can avoid checked baggage fees and help your money go further.\"}),/*#__PURE__*/e(\"img\",{alt:\"carry on luggaage\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,4xsHLNXzDAlD297QTTkVhll4wfU.jpg\",\"data-framer-height\":\"4000\",\"data-framer-width\":\"6000\",height:\"2000\",src:\"https://framerusercontent.com/images/4xsHLNXzDAlD297QTTkVhll4wfU.jpg?scale-down-to=4096\",style:{aspectRatio:\"6000 / 4000\"},width:\"3000\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"7. Use Public Transportation Instead Of Renting A Car\"})}),/*#__PURE__*/e(\"p\",{children:\"Taking public transportation instead of taxis or rental cars can save money and be a fun way to explore a new city or town. Just be sure to research in advance so you know how the system works and how much it will cost you.\"}),/*#__PURE__*/e(\"p\",{children:\"Many public transportation systems offer discounts for multiple-day passes or group rates. This can come in handy if you travel with family or friends. Taking public transportation can also save precious time so you don\u2019t have to go looking for a parking spot, or better yet, spend money at a parking garage.\"}),/*#__PURE__*/e(\"img\",{alt:\"public transportation\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,9pcJyUgDc0L5GAaRrzKrJ8zbWk.jpg\",\"data-framer-height\":\"3881\",\"data-framer-width\":\"5821\",height:\"1940\",src:\"https://framerusercontent.com/images/9pcJyUgDc0L5GAaRrzKrJ8zbWk.jpg?scale-down-to=4096\",style:{aspectRatio:\"5821 / 3881\"},width:\"2910\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"8. Stay In Hostels Or Airbnbs To Save Money On Lodging\"})}),/*#__PURE__*/e(\"p\",{children:\"Staying in hostels or Airbnbs can be a great way to save money on lodging. Hostels are often much cheaper than hotels and offer a unique experience. When traveling in a group, Airbnbs are also usually more affordable than hotels and can provide a more authentic experience. Searching in advance ensures that you stay in the part of the city that you want to and allows you to find the best deals.\"}),/*#__PURE__*/e(\"img\",{alt:\"friends in hostel saving money while traveling\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,rgEhu5O3SovfPl5BnWYvL7vEWCA.jpg\",\"data-framer-height\":\"3648\",\"data-framer-width\":\"5472\",height:\"1824\",src:\"https://framerusercontent.com/images/rgEhu5O3SovfPl5BnWYvL7vEWCA.jpg?scale-down-to=4096\",style:{aspectRatio:\"5472 / 3648\"},width:\"2736\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"9. Travel During The Off-season\"})}),/*#__PURE__*/t(\"p\",{children:[\"One of the best ways to save money while traveling is to travel during the off-season. This is when hotels and flights are typically cheaper. Additionally, there will be fewer tourists so you'll have more opportunities to explore without crowds. It is typical that most popular destinations cost more during the summer months as well as during the Christmas season. \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"must-dos-for-managing-your-budget\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"Z86BUpH92\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Managing your budget\"})}),\" might seem difficult if you need to travel during peak season, but there are plenty of other \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"tips-to-save-money-this-holiday-season\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"e33TrmpvE\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"ways to save money during the holidays\"})}),\". \"]}),/*#__PURE__*/e(\"img\",{alt:\"save money to travel\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,qUFaeb7CBlxHFtPcInAnhaN20w.jpg\",\"data-framer-height\":\"3264\",\"data-framer-width\":\"4896\",height:\"1632\",src:\"https://framerusercontent.com/images/qUFaeb7CBlxHFtPcInAnhaN20w.jpg?scale-down-to=4096\",style:{aspectRatio:\"4896 / 3264\"},width:\"2448\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"How To Track Your Spending With An App?\"})}),/*#__PURE__*/t(\"p\",{children:[\"Using an app is great if you want to track your spending and find ways to save money. There are a lot of different apps to choose from, but one of the best ones for tracking spending is \",/*#__PURE__*/e(n,{href:\"https://www.hiatusapp.com/\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Hiatus\"})}),\". Hiatus is a financial app that helps people \",/*#__PURE__*/e(n,{href:\"https://app.adjust.com/161605d6_167r5vg7\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"cancel forgotten subscriptions\"})}),\", lower monthly bills, and set custom budgets. In addition, this app can help you break down your spending into categories to see where your money is going.\"]}),/*#__PURE__*/e(\"p\",{children:\"Looking at your spending in different categories can help you find ways to save money. For example, if you spend a lot of money on eating out, you might want to start cooking more meals at home. Or, if you saved a lot on accommodation, you might be able to use that extra money for transportation or other expenses. Tracking your spending can help you make smarter financial decisions and save money in the long run.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Conclusion\"})}),/*#__PURE__*/e(\"p\",{children:\"Now that you know some of the best ways to save money while traveling, all that\u2019s left to do is start planning your trip! Keep these tips in mind when booking your flights and hotels, and you\u2019ll be sure to save a pretty penny. What are some of your favorite tips for saving money while traveling? Let us know in the comments below!\"})]}),[g]:!0,[p]:\" Learn how to save money while traveling with these nine tips, including finding the best deals on flights, hotels and using public transportation.\",[f]:\"6 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!0,[T]:!1,[A]:!1,[S]:!1},{id:\"cVwjASrDv\",[i]:\"4 Side Hustles That Can Earn You Money\",[s]:\"side-hustles-that-can-earn-you-money\",[c]:\"March 15, 2022\",[l]:\"Hiatus Guides\",[h]:j({src:\"https://framerusercontent.com/images/gQXsWRWMwkhRPFZWyoufOGZfNA.jpg\",srcSet:\"https://framerusercontent.com/images/gQXsWRWMwkhRPFZWyoufOGZfNA.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/gQXsWRWMwkhRPFZWyoufOGZfNA.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/gQXsWRWMwkhRPFZWyoufOGZfNA.jpg 1280w\"},\"side hustles that can earn you money\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"If you need extra cash, side hustles can be essential to your financial plan. Not only can they supplement your income, but they\u2019re also a great way to build skills and gain experience in an area you\u2019re interested in.\"}),/*#__PURE__*/e(\"p\",{children:\"Multiple income streams prepare you for unexpected life challenges, like job loss or an emergency expense. Plus, side hustles can help you save extra money for retirement, vacations, or just to have some extra cash in your pocket.\"}),/*#__PURE__*/e(\"p\",{children:\"So if you\u2019re interested in gaining a new income stream, here are our favorite side hustles that can earn you money.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"1. Tutoring Students Online\"})}),/*#__PURE__*/e(\"p\",{children:\"With the internet connecting us globally, there are now plenty of opportunities to tutor students online. From teaching music and math to art and language, there are students all over the world looking for quality tutors. All you need is to have some knowledge of the subject, be able to communicate effectively and have a reliable internet connection.\"}),/*#__PURE__*/e(\"p\",{children:\"To start, sites like VIPKid, iTalki, and GogoKid, can easily connect you with students worldwide who need your help.\"}),/*#__PURE__*/e(\"img\",{alt:\"online tutoring to make money\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,gs07DT2KTFAoO0AUz9NOfkDoE.jpg\",\"data-framer-height\":\"4912\",\"data-framer-width\":\"7360\",height:\"2456\",src:\"https://framerusercontent.com/images/gs07DT2KTFAoO0AUz9NOfkDoE.jpg?scale-down-to=4096\",style:{aspectRatio:\"7360 / 4912\"},width:\"3680\"})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"2. Providing Freelancing Services\"})}),/*#__PURE__*/e(\"p\",{children:\"Skills like web design, graphic design, writing, programming, and video editing are all in high demand. If you offer any of these services as a freelancer, you\u2019ll be able to find clients online quickly. In addition, small businesses are always looking for virtual assistants, data entry, and customer service agents.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"With freelancing, you set your own rates, work from anywhere, and have the freedom to choose which projects to work on.\"}),/*#__PURE__*/e(\"p\",{children:\"If you\u2019re interested in freelancing but don\u2019t know where to begin, try signing up for freelancing platforms like Fiverr and Upwork. Sites like these will help you gain the experience needed to build your own freelancing business.\"}),/*#__PURE__*/e(\"img\",{alt:\"freelance video programmer\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,w3ft6dLfR73mws37qsXiD2K0.jpg\",\"data-framer-height\":\"2667\",\"data-framer-width\":\"4000\",height:\"1333\",src:\"https://framerusercontent.com/images/w3ft6dLfR73mws37qsXiD2K0.jpg\",style:{aspectRatio:\"4000 / 2667\"},width:\"2000\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"3. Pet Sitting or Dog Walking Services\"})}),/*#__PURE__*/e(\"p\",{children:\"Pet sitting and dog walking are great side hustles if you love animals. And with services such as Rover and Wag!, you can find clients in your area and set your own rates.\"}),/*#__PURE__*/e(\"p\",{children:\"Working with pets is a fun way to get to know your neighborhood, exercise, and make some extra cash. Plus, your services will give pet owners peace of mind while they\u2019re away on vacation or business trips. Some may even use your services regularly and provide a steady source of income. Not a bad side gig that will allow you to earn some extra bucks.\"}),/*#__PURE__*/e(\"img\",{alt:\"dog walking\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,F0jUonD5TpbkXiAk4XfwCGj5QPg.jpeg\",\"data-framer-height\":\"3669\",\"data-framer-width\":\"5500\",height:\"1834\",src:\"https://framerusercontent.com/images/F0jUonD5TpbkXiAk4XfwCGj5QPg.jpeg?scale-down-to=4096\",style:{aspectRatio:\"5500 / 3669\"},width:\"2750\"})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"4. Using Your Hobbies and Interests to Generate Extra Income\"})}),/*#__PURE__*/t(\"p\",{children:[\"Do you have a hobby or interest that you\u2019re passionate about? Whether it\u2019s photography, baking, sewing, pottery, or anything else you love, you can \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-save-money-fast-on-a-low-income\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"hoWturXQx\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"turn your passion into a money-making opportunity\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"Try setting up an online store or selling handmade goods at local markets and craft fairs. Or, if you have valuable information to share, consider writing an eBook or selling templates on Etsy that people can use for their projects.\"}),/*#__PURE__*/e(\"img\",{alt:\"photographer enjoying hobby\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,vS2gXlCiZqTsW7N46XjWN785lNc.jpg\",\"data-framer-height\":\"4016\",\"data-framer-width\":\"6016\",height:\"2008\",src:\"https://framerusercontent.com/images/vS2gXlCiZqTsW7N46XjWN785lNc.jpg?scale-down-to=4096\",style:{aspectRatio:\"6016 / 4016\"},width:\"3008\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Conclusion\"})}),/*#__PURE__*/e(\"p\",{children:\"Earning extra money with a side hustle will boost your revenue and help you gain experience in a field that interests you. And with the gig and freelancing economy growing at an unprecedented rate, there are plenty of opportunities to make money from the comfort of your home. Plus, many of these side hustles allow you to create a schedule that won\u2019t interfere with your workweek.\"}),/*#__PURE__*/t(\"p\",{children:[\"At Hiatus, we\u2019re committed to helping you achieve your financial goals and plan your future.\",/*#__PURE__*/e(n,{href:\"https://app.adjust.com/161605d6_167r5vg7\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" Sign up\"})}),\" for the Hiatus app and start tracking your financial progress today.\"]})]}),[g]:!0,[p]:\"Discover 4 profitable side hustles that can help you earn extra income! From online tutoring to selling handmade crafts, start earning today.\",[f]:\"3 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!0,[T]:!1,[A]:!1,[S]:!1},{id:\"Z86BUpH92\",[i]:\"5 Must-Dos for Managing Your Budget\",[s]:\"must-dos-for-managing-your-budget\",[c]:\"February 28, 2022\",[l]:\"Hiatus Guides\",[h]:j({src:\"https://framerusercontent.com/images/1SlrV4FABqCKDmlnwMIhkLEI8xY.jpg\",srcSet:\"https://framerusercontent.com/images/1SlrV4FABqCKDmlnwMIhkLEI8xY.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/1SlrV4FABqCKDmlnwMIhkLEI8xY.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/1SlrV4FABqCKDmlnwMIhkLEI8xY.jpg 1280w\"},\"must dos for managing your budget\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"People are often unsure of how to manage their finances, whether they\u2019re trying to \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"401-k-vs-roth-ira-vs-traditional-roth\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"fwgZzGjkf\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"save for retirement\"})}),\" or just make sure they can \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-save-money-fast-on-a-low-income\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"hoWturXQx\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"cover the bills each month\"})}),\". When your financial life feels like it's in survival mode, it\u2019s hard to plan for the future - let alone enjoy it.\"]}),/*#__PURE__*/t(\"p\",{children:[\"This is why managing your budget is so important. With a budget that factors in both immediate and long-term goals, you can better manage your money and stay on track for the future. Don't fall into those \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"the-most-common-budgeting-mistakes-to-avoid\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"gpp9QxfCH\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"common budgeting mistake traps\"})}),\". Instead, manage your budget wisely. \"]}),/*#__PURE__*/e(\"p\",{children:\"Stats show that most Americans aren\u2019t good at budgeting. According to a recent survey, only 41% of people have created a long-term financial plan, and only 27% stick to it consistently.\"}),/*#__PURE__*/e(\"p\",{children:\"So what can you do to help manage your budget? Here are five \u2018must-dos\u2019 to get you started:\"}),/*#__PURE__*/e(\"h2\",{children:\"1. Make A Reasonable Budget\"}),/*#__PURE__*/e(\"p\",{children:\"One of the main reasons that budgets are so challenging to stick to is that they\u2019re often too restrictive. Similar to a New Year's resolution to lose weight too fast, an overly-ambitious budget can be hard to keep up with.\"}),/*#__PURE__*/e(\"p\",{children:\"The best way to start is by making a realistic budget that allows you some wiggle room. Consider creating separate budgets for different areas of spending, such as groceries, entertainment, and travel. This will help you stay on track while allowing you to enjoy life at the same time.\"}),/*#__PURE__*/t(\"p\",{children:[\"If you \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"personal-budgets-what-they-are-and-why-you-need-one\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"S_lPF5OK9\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"create a budget\"})}),\" so tight that you always feel like you\u2019re missing out, it's likely to be hard to stick with\"]}),/*#__PURE__*/e(\"img\",{alt:\"budget piggy bank\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,E7XsUwgHGVcJZyjDwCXCZLNrug.jpg\",\"data-framer-height\":\"3162\",\"data-framer-width\":\"4743\",height:\"1581\",src:\"https://framerusercontent.com/images/E7XsUwgHGVcJZyjDwCXCZLNrug.jpg?scale-down-to=4096\",style:{aspectRatio:\"4743 / 3162\"},width:\"2371\"}),/*#__PURE__*/e(\"h2\",{children:\"2. Track Down Those Pesky Automatic Charges\"}),/*#__PURE__*/e(\"p\",{children:\"Some monthly charges can slip under the radar and add up quickly. Netflix, Amazon Prime, Spotify, and other subscription services can be great budget-savers. But if you\u2019re not careful they can quietly eat away at your budget every month.\"}),/*#__PURE__*/t(\"p\",{children:[\"Be sure to keep an eye on all of your automatic payments and cut down or cancel any that you no longer use or need. If you have trouble finding payments hiding in your budget,\",/*#__PURE__*/e(n,{href:\"https://www.hiatusapp.com/\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" use an app that can scan for payments\"})}),\" and alert you when a charge appears - and even unsubscribe for you if you don\u2019t want it.\\xa0\"]}),/*#__PURE__*/e(\"img\",{alt:\"subscription box\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,otcl341pCldjzvdPVb5IR1VXhVQ.jpg\",\"data-framer-height\":\"3333\",\"data-framer-width\":\"5000\",height:\"1666\",src:\"https://framerusercontent.com/images/otcl341pCldjzvdPVb5IR1VXhVQ.jpg?scale-down-to=4096\",style:{aspectRatio:\"5000 / 3333\"},width:\"2500\"}),/*#__PURE__*/e(\"h2\",{children:\"3. Schedule Time to Review Your Budget Consistently\"}),/*#__PURE__*/e(\"p\",{children:\"Making a budget is only a small part of the equation. You also need to set aside time to review it and make sure you\u2019re on track with your financial goals.\"}),/*#__PURE__*/e(\"p\",{children:\"Take some time each month to review your spending and come up with ways to adjust or cut back if needed. Whether you are tracking a personal budget or a family budget, be sure to check in regularly and review your progress. This accountability will help you stick to your budget and reach your goals.\"}),/*#__PURE__*/e(\"img\",{alt:\"reviewing budget\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,gSY552dnMAHRGg5LV9daWhFFRI.jpg\",\"data-framer-height\":\"4912\",\"data-framer-width\":\"7360\",height:\"2456\",src:\"https://framerusercontent.com/images/gSY552dnMAHRGg5LV9daWhFFRI.jpg?scale-down-to=4096\",style:{aspectRatio:\"7360 / 4912\"},width:\"3680\"}),/*#__PURE__*/e(\"h2\",{children:\"4. Move Money Before You Can Spend It\"}),/*#__PURE__*/t(\"p\",{children:[\"If you\u2019re finding it hard to keep your budget in check, consider setting up automatic transfers into an investment or\",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"what-a-high-yield-savings-accounts-is-and-how-it-works\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"nilkAR8o2\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" high yield savings account\"})}),\". That way, the money is out of sight and out of mind \u2014 so you won't be tempted to spend it! If you want to set aside money and not access it, \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"cd-vs-savings-accounts-investing-in-your-future\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"fOF_s96nT\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Certificates of Deposit\"})}),\"'s are great \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"alternatives-to-high-yield-savings-accounts-their-benefits\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"aqyXtqPid\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"alternatives to high yield savings accounts\"})}),\".\"]}),/*#__PURE__*/t(\"p\",{children:[\"It can also help move money into separate accounts designed for specific expenses. This is a great practice for a \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"70-20-10-budget-rule-what-it-is\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"unLkZjhFP\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"70/20/10 budget\"})}),\"!\"]}),/*#__PURE__*/e(\"p\",{children:\"For example, you might set up an account for groceries or entertainment. That way, the money is there when you need it and cannot be used on something else. If you don't have the money allocated in that specific account, you know you can't spend it.\"}),/*#__PURE__*/e(\"img\",{alt:\"investing money\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,KHAvxBatC6oY9RucpWhcMteKTk.jpg\",\"data-framer-height\":\"2936\",\"data-framer-width\":\"4802\",height:\"1468\",src:\"https://framerusercontent.com/images/KHAvxBatC6oY9RucpWhcMteKTk.jpg?scale-down-to=4096\",style:{aspectRatio:\"4802 / 2936\"},width:\"2401\"}),/*#__PURE__*/e(\"h2\",{children:\"5. Track It All With a Budget App\"}),/*#__PURE__*/e(\"p\",{children:\"Finally, take advantage of budgeting apps and software to make the process easier. You can use them to track your spending, set reminders for bill payments, and keep an eye on your overall financial well-being.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Apps make it easy to automate your budget tracking system, chiming in with alerts and automated reminders to help you stay on track. And many offer helpful features such as goal-setting, budgeting templates, and financial advice that can make budgeting easier and more fun.\"}),/*#__PURE__*/e(\"img\",{alt:\"Budgeting App Hiatus\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,SvKIlUmdTeZVBRCGxXz2yuknQ.png\",\"data-framer-height\":\"1703\",\"data-framer-width\":\"840\",height:\"851\",src:\"https://framerusercontent.com/images/SvKIlUmdTeZVBRCGxXz2yuknQ.png\",style:{aspectRatio:\"840 / 1703\"},width:\"420\"}),/*#__PURE__*/e(\"h2\",{children:\"BONUS! 6. Celebrate Milestones\"}),/*#__PURE__*/e(\"p\",{children:\"The reason that spending is so addictive comes down to brain chemistry. Dopamine is released when you spend money, creating an enjoyable feeling that keeps you coming back for more.\"}),/*#__PURE__*/e(\"p\",{children:\"But the same can be done with budgeting and saving. Set achievable goals and reward yourself when you reach them \u2014 it will help keep you motivated to stay on track with your budget and financial goals. Whether it\u2019s a dinner out or a weekend getaway, allow yourself to enjoy the good feeling of success \u2014 and use that boost to keep going!\"}),/*#__PURE__*/e(\"img\",{alt:\"beach vacation holiday\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,z2cet4YCjsSWoOGmXJcCGbVcM.jpg\",\"data-framer-height\":\"3917\",\"data-framer-width\":\"6125\",height:\"1958\",src:\"https://framerusercontent.com/images/z2cet4YCjsSWoOGmXJcCGbVcM.jpg?scale-down-to=4096\",style:{aspectRatio:\"6125 / 3917\"},width:\"3062\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Build & Keep Your Budget with Hiatus\"})}),/*#__PURE__*/e(\"p\",{children:\"By following these five steps, you\u2019ll be well on your way to creating a budget that works for you \u2014 and better managing your finances.\"}),/*#__PURE__*/t(\"p\",{children:[\"If you\u2019re looking for a budgeting app that can help make managing your finances easier,\",/*#__PURE__*/e(n,{href:\"https://app.adjust.com/161605d6_167r5vg7\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" the Hiatus app is just what you need\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"Hiatus offers an intuitive budget tracking system and money management tools to help you build and stick to a budget that works for you. With Hiatus, you can track your spending in real time, analyze your financial data and get personalized advice to help you meet your financial goals. Plus, you can find those pesky hidden charges and cancel them with just a few clicks.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://app.adjust.com/161605d6_167r5vg7\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Try Hiatus today\"})}),\" to get started on the path towards financial freedom!\"]})]}),[u]:null,[m]:null,[g]:!0,[p]:\"Discover the five \u2018must-dos\u2019 for managing your personal or family budget - and how a budget app can help you achieve your financial goals.\",[f]:\"4 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!1,[x]:!1,[T]:!0,[A]:!1,[S]:!1},{id:\"nehoRmwKO\",[i]:\"4 Tips on How To Lower Your Car Insurance\",[s]:\"tips-on-how-to-lower-your-car-insurance\",[c]:\"February 6, 2022\",[l]:\"Insurance\",[h]:j({src:\"https://framerusercontent.com/images/LfJ1ogzYmeRxyW7vE57Y8lTgLo.jpg\",srcSet:\"https://framerusercontent.com/images/LfJ1ogzYmeRxyW7vE57Y8lTgLo.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/LfJ1ogzYmeRxyW7vE57Y8lTgLo.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/LfJ1ogzYmeRxyW7vE57Y8lTgLo.jpg 1280w\"},\"tips on how to lower your car insurance\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Every year, car insurance companies make a substantial amount of their profits from drivers paying high premiums. And with so many different insurance companies out there, it can be hard to know who\u2019s offering the best deal. Between the alluring ads and confusing jargon, it\u2019s no wonder many drivers are left feeling overwhelmed and frustrated.\"}),/*#__PURE__*/t(\"p\",{children:[\"Luckily, there are some practical steps that you can follow to lower your car insurance rates and \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-save-money-fast-on-a-low-income\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"hoWturXQx\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"save money\"})}),\". Here are tips you can follow on how to lower your car insurance to save hundreds of dollars every year.\"]}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"1. Maintain a Clean Driving Record\"})}),/*#__PURE__*/e(\"p\",{children:\"Maintaining a safe driving record is one of the most effective ways to keep your car insurance premiums low. Car insurance companies typically want to know that you are a safe driver before offering the lowest rates. By avoiding tickets and accidents, you will avoid points on your driver\u2019s license that can lead to higher rates.\\xa0\"})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"If you\u2019re in an accident or receive a ticket, contact your insurer and inquire about their policy for reducing premium charges. Some companies may also offer discounts for drivers who complete defensive driving courses or have maintained a clean record for a certain amount of time.\\xa0\"}),/*#__PURE__*/e(\"img\",{alt:\"careful driving\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,LUDUJlAbGhOw5FY5qygGsXhFIkw.jpg\",\"data-framer-height\":\"4326\",\"data-framer-width\":\"6489\",height:\"2163\",src:\"https://framerusercontent.com/images/LUDUJlAbGhOw5FY5qygGsXhFIkw.jpg?scale-down-to=4096\",style:{aspectRatio:\"6489 / 4326\"},width:\"3244\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"2. Consider Switching Car Insurance Companies\"})}),/*#__PURE__*/e(\"p\",{children:\"With numerous competitive car insurance providers on the market, shopping around is one of the quickest ways to save money. To get the best deal, compare quotes from at least three different insurance companies before making a final decision.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"When speaking with car insurance companies, consider the following:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Their customer service: Are their representatives friendly and helpful?\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Their coverage: How comprehensive is the coverage offered?\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Their premiums: Are the rates competitive? How much will you save by switching?\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Their discounts: Are they offering any special deals or discounts?\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Also, read the fine print in the policy and ensure you understand the terms before signing. If a deal or discount seems too good to be true, it probably is.\"})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"h2\",{children:[/*#__PURE__*/e(\"strong\",{children:\"3. Pay off Your \"}),/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-pay-off-10-000-credit-card-debt\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"j2PscW67u\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:/*#__PURE__*/e(\"strong\",{children:\"Credit Card Debt\"})})})]}),/*#__PURE__*/e(\"p\",{children:\"Your credit score can also have an impact on your insurance premiums. If you have a lot of outstanding debt, it could negatively affect your rates. Paying off as much of your credit card balance as possible is one way to reduce the cost of car insurance and improve your overall financial health.\"}),/*#__PURE__*/e(\"p\",{children:\"If you have a low credit score, increase it by paying your bills on time each month and keeping balances low. It may take some time but having a good credit score will pay off in the long run.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"In addition, you may be eligible for discounts from some insurance companies if you have a good credit rating. Be sure to ask about this when comparing rates between different providers.\\xa0\"}),/*#__PURE__*/e(\"img\",{alt:\"paying off credit card\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,JfXhcSrSFmG2U8grsLa2nd5sZg.jpg\",\"data-framer-height\":\"3732\",\"data-framer-width\":\"5598\",height:\"1866\",src:\"https://framerusercontent.com/images/JfXhcSrSFmG2U8grsLa2nd5sZg.jpg?scale-down-to=4096\",style:{aspectRatio:\"5598 / 3732\"},width:\"2799\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"4. Consolidate Your Insurance Policies\"})}),/*#__PURE__*/e(\"p\",{children:\"Some insurance companies offer discounts if you have more than one policy with them. These savings can add up over time and make a big difference. So, consider consolidating your policies with one insurer if it makes financial sense and offers the coverage you need.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"For example, combining your car, home, and life insurance policies with one company can result in significant savings. Plus, you\u2019ll only have to deal with one insurer, making everything more manageable and convenient.\\xa0\"}),/*#__PURE__*/e(\"img\",{alt:\"consolidate insurance policy\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,wM7sqbu2fmpzSr2rSnAcpO7buk.jpg\",\"data-framer-height\":\"2856\",\"data-framer-width\":\"4272\",height:\"1428\",src:\"https://framerusercontent.com/images/wM7sqbu2fmpzSr2rSnAcpO7buk.jpg?scale-down-to=4096\",style:{aspectRatio:\"4272 / 2856\"},width:\"2136\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Final Thoughts\"})}),/*#__PURE__*/t(\"p\",{children:[\"Saving money on car insurance doesn\u2019t have to be a hassle or out of reach. The savings you can get from following these tips can add up quickly and make a big difference in your budget. By taking an active role in managing your insurance costs and making \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"buying-a-car-with-no-down-payment\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"b2tkdy1rk\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"down payments when buying a car\"})}),\", you can maximize your savings and get the coverage you need. Plus, gaining control over your finances can set you up for financial success in the future.\"]}),/*#__PURE__*/t(\"p\",{children:[\"At Hiatus, our app makes it easy to analyze car insurance rates and understand how you spend money each month. With a clear view of your finances, you can make informed decisions and save time, stress, and money. \",/*#__PURE__*/e(n,{href:\"https://app.adjust.com/161605d6_167r5vg7\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Try Hiatus\"})}),\" today and see how it can help you save on car insurance.\"]})]}),[g]:!0,[p]:\"Looking to save money on car insurance? Check out our tips and tricks for lowering your premiums. Learn how to save without sacrificing coverage.\",[f]:\"3 Min Read\",[y]:null,[w]:\"awvxxHpb8\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!0,[I]:!1,[x]:!1,[T]:!1,[A]:!1,[S]:!1},{id:\"U_2lTseF2\",[i]:\"8 Simple Ways To Save Money Each Month\",[s]:\"simple-ways-to-save-money-each-month\",[c]:\"January 12, 2023\",[l]:\"Hiatus Guides\",[h]:j({src:\"https://framerusercontent.com/images/Z2bIqQoXrnFZ26wh6pHe9A4yH4.jpg\",srcSet:\"https://framerusercontent.com/images/Z2bIqQoXrnFZ26wh6pHe9A4yH4.jpg?scale-down-to=512 512w, https://framerusercontent.com/images/Z2bIqQoXrnFZ26wh6pHe9A4yH4.jpg?scale-down-to=1024 1024w, https://framerusercontent.com/images/Z2bIqQoXrnFZ26wh6pHe9A4yH4.jpg 1280w\"},\"simple ways to save money\"),[d]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Do you feel like you're always living paycheck to paycheck and never have enough money left for savings? With prices continuing to rise on everything from food to gas, it might seem like you\u2019ll ever get above water.\"}),/*#__PURE__*/e(\"p\",{children:\"Saving money is one of the most important aspects of personal finance. From preparing for retirement to having an emergency fund, having money stashed away for a rainy day can be a lifesaver.\"}),/*#__PURE__*/e(\"p\",{children:\"If you are ready to get off the hamster wheel of living paycheck to paycheck and build your savings, here are eight simple ways to save money each month.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"1. Automate Your Savings\"})}),/*#__PURE__*/e(\"p\",{children:\"One of the best ways to save money each month is to automate your savings. By doing so, it\u2019s much easier to stay on track and ensure you're saving what you need every month.\"}),/*#__PURE__*/t(\"p\",{children:[\"Most banks allow customers to set up automatic transfers from their checking accounts into savings accounts. To get the most of these, it\u2019s best to look into a \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/what-a-high-yield-savings-accounts-is-and-how-it-works\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"high-yield savings account\"})}),\" since they\u2019ll take your money further. This makes it easy to set a specific amount of money you will transfer each month without manually doing the transfer every time.\"]}),/*#__PURE__*/e(\"p\",{children:\"You can also automate other aspects of your finances, such as bill payments and investments. Automating these processes helps ensure that nothing gets forgotten or overlooked, which can help keep your finances organized and on track.\"})]}),[u]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"2. Carpool When You Can\"})}),/*#__PURE__*/e(\"p\",{children:\"You may be accustomed to driving everywhere, even if it\u2019s somewhere local. These short distance rides will add up over time. Save money on gas by carpooling with friends, family, or even colleagues. Instead of burning through a tank of gas each week, you can stretch that tank to last three weeks by heading to work with a colleague. This is a great deal for everybody in the carpool because everybody benefits from it. Walking or biking to where you have to go is also a great alternative instead of grabbing the car keys.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"3. Reduce Subscriptions\"})}),/*#__PURE__*/t(\"p\",{children:[\"Netflix. Amazon Prime. Spotify. Disney Plus. We all have them. Those monthly subscriptions to streaming services may seem like a necessity but do you really need them all? A simple way to save money each month is to look at all of your subscriptions and see which ones you could live without or even consolidate. If you have both Hulu and Netflix, choose which one you watch more and stick to that. The \",/*#__PURE__*/e(n,{href:\"https://hiatus.app/signup/profile/goals?utm_source=hiatus_blog&utm_medium=organic&utm_campaign=simple_ways_to_save_money_each_month\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Hiatus app shows all of your subscriptions in one place\"})}),\" and allows you to cancel the ones you don\u2019t want.\"]})]}),[m]:/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"4. Practice Mindful Spending\"})}),/*#__PURE__*/t(\"p\",{children:[\"When it comes to personal finances, mindfulness is key. It can be easy to swipe your credit card without realizing how much that adds up over time. Before you know it, you may be asking for \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/credit-card-debt-forgiveness-the-cold-hard-truths-you-need-to-know\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"credit card debt forgiveness\"})}),\" or wondering \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/how-to-pay-off-10-000-credit-card-debt\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"how to pay off $10,000 credit card debt\"})}),\". Mindless spending can be a budget killer, so it's essential to be mindful of your purchases and consider whether you really need what you are buying.\\xa0\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"If you\u2019re faced with an impulse purchase, take some time to think before you buy. Impulse purchases can be costly and add up quickly. Often if you delay your purchase, you may find that the purchase isn't worth it after all. Try leaving an item in your cart for three days. After the three days, if that good is still something of major value to you then it might be worth the purchase. Otherwise, remove it from your cart and go about your day.\"}),/*#__PURE__*/e(\"img\",{alt:\"mindful spending\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,ffTViPV4RjbkoK5UFECy0vmQSTA.jpg\",\"data-framer-height\":\"3815\",\"data-framer-width\":\"5723\",height:\"1907\",src:\"https://framerusercontent.com/images/ffTViPV4RjbkoK5UFECy0vmQSTA.jpg?scale-down-to=4096\",style:{aspectRatio:\"5723 / 3815\"},width:\"2861\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"5. Track Your Spending For One Week\"})}),/*#__PURE__*/e(\"p\",{children:\"Keeping track of your spending is an essential part of financial responsibility. By tracking your spending for one week, you can better understand where your money goes and where you might be overspending. After you\u2019ve tracked your spending, you should be able to determine where you can cut back on. You may be shocked to see how much you are spending on unnecessary items or services.\"}),/*#__PURE__*/t(\"p\",{children:[\"After making cuts to your \",/*#__PURE__*/e(n,{href:\"https://hiatusapp.com/blog/personal-budgets-what-they-are-and-why-you-need-one\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"personal budget\"})}),\" based on the data from tracking your spending for one week, it is always a good idea to verify that these changes had the desired effect by reviewing prior months' data as well. Doing this is just one of the simple ways to save money each month.\"]}),/*#__PURE__*/e(\"img\",{alt:\"tracking your spending\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,TLQwvf9gdCmPCNDUyWkFpnwmioU.jpg\",\"data-framer-height\":\"3162\",\"data-framer-width\":\"4743\",height:\"1581\",src:\"https://framerusercontent.com/images/TLQwvf9gdCmPCNDUyWkFpnwmioU.jpg?scale-down-to=4096\",style:{aspectRatio:\"4743 / 3162\"},width:\"2371\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"6. Buy Generic Brands\"})}),/*#__PURE__*/e(\"p\",{children:\"There\u2019s no reason to buy that $15 bottle of face wash when there is one right next to it for half the price. You can save money each month by purchasing generic brands instead of big name brands. Just because the brand on a product is different, doesn\u2019t mean that the ingredients inside are. Most people think that because a product is associated with a certain brand, it has higher quality. This is where you may go wrong.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"7. Live Below Your Means\"})}),/*#__PURE__*/e(\"p\",{children:\"There are many ways to live below your means and still have a comfortable life. You may think that you need to start living like a penny-pincher to get your finances in order, but this isn't necessarily true.\"}),/*#__PURE__*/e(\"p\",{children:\"Living below your means simply means adjusting your lifestyle and spending habits to fit within what you can reasonably afford with your income. It doesn't mean getting rid of everything that makes life enjoyable!\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"When it comes to money, it's important to be wise and mindful about how you're spending it. Knowing how to \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"must-dos-for-managing-your-budget\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"Z86BUpH92\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"manage your budget\"})}),\", avoiding impulse purchases, and prioritizing savings are all great ways to start living below your means. You'd be shocked at how fast you can get used to living on less money and still maintain a comfortable lifestyle.\"]}),/*#__PURE__*/e(\"img\",{alt:\"managing your budget\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,6SV9kEPgDIVkvzDvkg666sEs.jpg\",\"data-framer-height\":\"3456\",\"data-framer-width\":\"5184\",height:\"1728\",src:\"https://framerusercontent.com/images/6SV9kEPgDIVkvzDvkg666sEs.jpg?scale-down-to=4096\",style:{aspectRatio:\"5184 / 3456\"},width:\"2592\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"8. Track And Cut Expenses With An App\"})}),/*#__PURE__*/t(\"p\",{children:[\"Want to really get a handle on your personal finances? Try using an app to track and cut expenses. There are several apps available that can help you keep tabs on your spending, find ways to \",/*#__PURE__*/e(n,{href:{pathVariables:{U1TsE9YEA:\"how-to-save-money-fast-on-a-low-income\"},unresolvedPathSlugs:{U1TsE9YEA:{collectionId:\"Bri4OlJ3C\",collectionItemId:\"hoWturXQx\"}},webPageId:\"DBUAgXWKa\"},openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"save money fast\"})}),\" and get organized.\"]}),/*#__PURE__*/e(\"p\",{children:\"These apps allow you to input all of your financial information and track where your money is going. They usually offer tips on how to save money each month, as well as ways to make budgeting easier. For example, many can suggest strategies for cutting expenses or setting up automatic payments.\"}),/*#__PURE__*/t(\"p\",{children:[\"Hiatus is designed to help you manage your money and save for the future. You can track expenses, set budgets, and get tips on saving money. Plus, you can locate and stop unneeded subscriptions with the built-in subscription tracker.\",/*#__PURE__*/e(n,{href:\"https://app.adjust.com/161605d6_167r5vg7\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" Give Hiatus a try\"})}),\" and see how it can help you manage your finances!\"]}),/*#__PURE__*/e(\"img\",{alt:\"Hiatus app\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,gfTadBKtXkAun2mgp0LdWnQijic.png\",\"data-framer-height\":\"2838\",\"data-framer-width\":\"2838\",height:\"1419\",src:\"https://framerusercontent.com/images/gfTadBKtXkAun2mgp0LdWnQijic.png\",style:{aspectRatio:\"2838 / 2838\"},width:\"1419\"})]}),[g]:!0,[p]:\"From budgeting to cutting expenses and living below your means, here are 8 simple ways you can save money each month!\",[f]:\"4 Min Read\",[y]:null,[w]:\"M2s5y3M5D\",[b]:\"K68XL9Yj4\",[v]:!1,[k]:!1,[I]:!0,[x]:!1,[T]:!1,[A]:!1,[S]:!1}];for(let e of 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}\",\".framer-psuNO .framer-1u8bxly, .framer-psuNO .framer-1w8q0n8, .framer-psuNO .framer-1k3jahv, .framer-psuNO .framer-1bv30uy, .framer-psuNO .framer-1opwirr, .framer-psuNO .framer-2uj476 { align-content: flex-start; align-items: flex-start; display: flex; flex: none; flex-direction: column; flex-wrap: nowrap; gap: 40px; height: min-content; justify-content: flex-start; padding: 0px; position: relative; width: 100%; }\",\".framer-psuNO .framer-an3qdb, .framer-psuNO .framer-1uxfdan, .framer-psuNO .framer-1wcm72r, .framer-psuNO .framer-i9mb5h, .framer-psuNO .framer-z9yxm, .framer-psuNO .framer-knddsi { align-content: center; align-items: center; display: flex; flex: none; flex-direction: column; flex-wrap: nowrap; gap: 0px; height: min-content; justify-content: flex-start; overflow: visible; padding: 0px; position: relative; width: 100%; }\",\".framer-psuNO .framer-1hgdebg, .framer-psuNO .framer-1dc75cx, .framer-psuNO .framer-as8qaz, .framer-psuNO .framer-12yow1v, .framer-psuNO .framer-zrgqw3, .framer-psuNO .framer-zvv8d3 { align-content: center; align-items: center; display: flex; flex: none; flex-direction: column; flex-wrap: nowrap; gap: 10px; height: min-content; justify-content: center; overflow: visible; padding: 0px; position: relative; width: 100%; }\",\".framer-psuNO .framer-kr5wd, .framer-psuNO .framer-7j2eqi, .framer-psuNO .framer-3kk70q, .framer-psuNO .framer-1l582lw, .framer-psuNO .framer-p24x6o, .framer-psuNO .framer-1dundf3 { --border-bottom-width: 1px; --border-color: rgba(17, 17, 17, 0.1); --border-left-width: 0px; --border-right-width: 0px; --border-style: solid; --border-top-width: 0px; align-content: center; align-items: center; aspect-ratio: 1.3866666666666667 / 1; border-top-left-radius: 20px; border-top-right-radius: 20px; display: flex; flex: none; flex-direction: row; flex-wrap: nowrap; gap: 10px; height: var(--framer-aspect-ratio-supported, 251px); justify-content: center; padding: 0px; position: relative; text-decoration: none; width: 100%; }\",\".framer-psuNO .framer-1v6k3hx, .framer-psuNO .framer-6cuh8i, .framer-psuNO .framer-1pwxuhx, .framer-psuNO .framer-qo43jm, .framer-psuNO .framer-1hkr60h, .framer-psuNO .framer-cbh3xr { align-content: flex-start; align-items: flex-start; display: flex; flex: none; flex-direction: column; flex-wrap: nowrap; gap: 0px; height: 322px; justify-content: flex-start; overflow: visible; padding: 0px; position: relative; width: 88%; }\",\".framer-psuNO .framer-1yehnh8, .framer-psuNO .framer-1lbdir0, .framer-psuNO .framer-t9a96i, .framer-psuNO .framer-1mf6tfs, .framer-psuNO .framer-1v124us, .framer-psuNO .framer-3uk5oh { align-content: center; align-items: center; display: flex; flex: none; flex-direction: row; flex-wrap: nowrap; gap: 32px; height: 67px; justify-content: flex-start; overflow: visible; padding: 0px; position: relative; width: 100%; }\",\".framer-psuNO .framer-tgw8ry, .framer-psuNO .framer-2f29bp, .framer-psuNO .framer-3u0by3, .framer-psuNO .framer-1gsysry, .framer-psuNO .framer-1uh0cfg, .framer-psuNO .framer-165ngcn { align-content: flex-start; align-items: flex-start; background-color: #111111; border-bottom-left-radius: 2px; border-bottom-right-radius: 2px; border-top-left-radius: 2px; border-top-right-radius: 2px; display: flex; flex: none; flex-direction: row; flex-wrap: nowrap; gap: 0px; height: min-content; justify-content: flex-start; overflow: hidden; padding: 4px 8px 4px 8px; position: relative; width: min-content; will-change: var(--framer-will-change-override, transform); }\",\".framer-psuNO .framer-16thkie, .framer-psuNO .framer-1926zh7, .framer-psuNO .framer-1xl7gle, .framer-psuNO .framer-1nh5fji, .framer-psuNO .framer-dwpret, .framer-psuNO .framer-1cexbml { align-content: flex-start; align-items: flex-start; display: flex; flex: none; flex-direction: column; flex-wrap: nowrap; gap: 23px; height: min-content; justify-content: flex-start; overflow: visible; padding: 0px; position: relative; width: 100%; }\",\".framer-psuNO .framer-1x8p6xo, .framer-psuNO .framer-s1lp7e, .framer-psuNO .framer-wb533a, .framer-psuNO .framer-249j8h, .framer-psuNO .framer-bk7gyp, .framer-psuNO .framer-4sehyb { --border-bottom-width: 1px; --border-color: #111111; --border-left-width: 1px; --border-right-width: 1px; --border-style: solid; --border-top-width: 1px; align-content: center; align-items: center; border-bottom-left-radius: 25px; border-bottom-right-radius: 25px; border-top-left-radius: 25px; border-top-right-radius: 25px; display: flex; flex: none; flex-direction: row; flex-wrap: nowrap; gap: 4px; height: min-content; justify-content: center; overflow: visible; padding: 8px 16px 8px 16px; position: relative; text-decoration: none; width: min-content; }\",\".framer-psuNO .framer-uepnmq, .framer-psuNO .framer-13s1orl, .framer-psuNO .framer-15t9nt5, .framer-psuNO .framer-19sxe3d, .framer-psuNO .framer-1fz7v8x, .framer-psuNO .framer-tup4hk { flex: none; height: 16px; position: relative; width: 16px; }\",\".framer-psuNO .framer-1quzd8q-container { flex: none; height: auto; left: 0px; position: fixed; right: 0px; top: 0px; z-index: 6; }\",\"@supports (background: -webkit-named-image(i)) and (not (scale:1)) { .framer-psuNO.framer-1xsr40t, .framer-psuNO .framer-1k8m3s4, .framer-psuNO .framer-9gprc1, .framer-psuNO .framer-clptuk, .framer-psuNO .framer-9gdkk7, .framer-psuNO .framer-15b4u2p, .framer-psuNO .framer-18ig7uk, .framer-psuNO .framer-18ub5to, .framer-psuNO .framer-1abzopx, .framer-psuNO .framer-32v47f, .framer-psuNO .framer-1u8bxly, .framer-psuNO .framer-an3qdb, .framer-psuNO .framer-1hgdebg, .framer-psuNO .framer-kr5wd, .framer-psuNO .framer-1v6k3hx, .framer-psuNO .framer-1yehnh8, .framer-psuNO .framer-tgw8ry, .framer-psuNO .framer-16thkie, .framer-psuNO .framer-1x8p6xo, .framer-psuNO .framer-1bgc7zc, .framer-psuNO .framer-1w8q0n8, .framer-psuNO .framer-1uxfdan, .framer-psuNO .framer-1dc75cx, .framer-psuNO .framer-7j2eqi, .framer-psuNO .framer-6cuh8i, .framer-psuNO .framer-1lbdir0, .framer-psuNO .framer-2f29bp, .framer-psuNO .framer-1926zh7, .framer-psuNO .framer-s1lp7e, .framer-psuNO .framer-1bbikm5, .framer-psuNO .framer-1k3jahv, .framer-psuNO .framer-1wcm72r, .framer-psuNO .framer-as8qaz, .framer-psuNO .framer-3kk70q, .framer-psuNO .framer-1pwxuhx, .framer-psuNO .framer-t9a96i, .framer-psuNO .framer-3u0by3, .framer-psuNO .framer-1xl7gle, .framer-psuNO .framer-wb533a, .framer-psuNO .framer-1r8xbpn, .framer-psuNO .framer-1bv30uy, .framer-psuNO .framer-i9mb5h, .framer-psuNO .framer-12yow1v, .framer-psuNO .framer-1l582lw, .framer-psuNO .framer-qo43jm, .framer-psuNO .framer-1mf6tfs, .framer-psuNO .framer-1gsysry, .framer-psuNO .framer-1nh5fji, .framer-psuNO .framer-249j8h, .framer-psuNO .framer-1eesmh4, .framer-psuNO .framer-1opwirr, .framer-psuNO .framer-z9yxm, .framer-psuNO .framer-zrgqw3, .framer-psuNO .framer-p24x6o, .framer-psuNO .framer-1hkr60h, .framer-psuNO .framer-1v124us, .framer-psuNO .framer-1uh0cfg, .framer-psuNO .framer-dwpret, .framer-psuNO .framer-bk7gyp, .framer-psuNO .framer-174cbun, .framer-psuNO .framer-2uj476, .framer-psuNO .framer-knddsi, .framer-psuNO .framer-zvv8d3, .framer-psuNO .framer-1dundf3, .framer-psuNO .framer-cbh3xr, .framer-psuNO .framer-3uk5oh, .framer-psuNO .framer-165ngcn, .framer-psuNO .framer-1cexbml, .framer-psuNO .framer-4sehyb { gap: 0px; } .framer-psuNO.framer-1xsr40t > *, .framer-psuNO .framer-clptuk > *, .framer-psuNO .framer-32v47f > *, .framer-psuNO .framer-an3qdb > *, .framer-psuNO .framer-1v6k3hx > *, .framer-psuNO .framer-1bgc7zc > *, .framer-psuNO .framer-1uxfdan > *, .framer-psuNO .framer-6cuh8i > *, .framer-psuNO .framer-1bbikm5 > *, .framer-psuNO .framer-1wcm72r > *, .framer-psuNO .framer-1pwxuhx > *, .framer-psuNO .framer-1r8xbpn > *, .framer-psuNO .framer-i9mb5h > *, .framer-psuNO .framer-qo43jm > *, .framer-psuNO .framer-1eesmh4 > *, .framer-psuNO .framer-z9yxm > *, .framer-psuNO .framer-1hkr60h > *, .framer-psuNO .framer-174cbun > *, .framer-psuNO .framer-knddsi > *, .framer-psuNO .framer-cbh3xr > * { margin: 0px; margin-bottom: calc(0px / 2); margin-top: calc(0px / 2); } .framer-psuNO.framer-1xsr40t > :first-child, .framer-psuNO .framer-clptuk > :first-child, .framer-psuNO .framer-9gdkk7 > :first-child, .framer-psuNO .framer-15b4u2p > :first-child, .framer-psuNO .framer-18ig7uk > :first-child, .framer-psuNO .framer-18ub5to > :first-child, .framer-psuNO .framer-1abzopx > :first-child, .framer-psuNO .framer-32v47f > :first-child, .framer-psuNO .framer-1u8bxly > :first-child, .framer-psuNO .framer-an3qdb > :first-child, .framer-psuNO .framer-1hgdebg > :first-child, .framer-psuNO .framer-1v6k3hx > :first-child, .framer-psuNO .framer-16thkie > :first-child, .framer-psuNO .framer-1bgc7zc > :first-child, .framer-psuNO .framer-1w8q0n8 > :first-child, .framer-psuNO .framer-1uxfdan > :first-child, .framer-psuNO .framer-1dc75cx > :first-child, .framer-psuNO .framer-6cuh8i > :first-child, .framer-psuNO .framer-1926zh7 > :first-child, .framer-psuNO .framer-1bbikm5 > :first-child, .framer-psuNO .framer-1k3jahv > :first-child, .framer-psuNO .framer-1wcm72r > :first-child, .framer-psuNO .framer-as8qaz > :first-child, .framer-psuNO .framer-1pwxuhx > :first-child, .framer-psuNO .framer-1xl7gle > :first-child, .framer-psuNO .framer-1r8xbpn > :first-child, .framer-psuNO .framer-1bv30uy > :first-child, .framer-psuNO .framer-i9mb5h > :first-child, .framer-psuNO .framer-12yow1v > :first-child, .framer-psuNO .framer-qo43jm > :first-child, .framer-psuNO .framer-1nh5fji > :first-child, .framer-psuNO .framer-1eesmh4 > :first-child, .framer-psuNO .framer-1opwirr > :first-child, .framer-psuNO .framer-z9yxm > :first-child, .framer-psuNO .framer-zrgqw3 > :first-child, .framer-psuNO .framer-1hkr60h > :first-child, .framer-psuNO .framer-dwpret > :first-child, .framer-psuNO .framer-174cbun > :first-child, .framer-psuNO .framer-2uj476 > :first-child, .framer-psuNO .framer-knddsi > :first-child, .framer-psuNO .framer-zvv8d3 > :first-child, .framer-psuNO .framer-cbh3xr > :first-child, .framer-psuNO .framer-1cexbml > :first-child { margin-top: 0px; } .framer-psuNO.framer-1xsr40t > :last-child, .framer-psuNO .framer-clptuk > :last-child, .framer-psuNO .framer-9gdkk7 > :last-child, .framer-psuNO .framer-15b4u2p > :last-child, .framer-psuNO .framer-18ig7uk > :last-child, .framer-psuNO .framer-18ub5to > :last-child, .framer-psuNO .framer-1abzopx > :last-child, .framer-psuNO .framer-32v47f > :last-child, .framer-psuNO .framer-1u8bxly > :last-child, .framer-psuNO .framer-an3qdb > :last-child, .framer-psuNO .framer-1hgdebg > :last-child, .framer-psuNO .framer-1v6k3hx > :last-child, .framer-psuNO .framer-16thkie > :last-child, .framer-psuNO .framer-1bgc7zc > :last-child, .framer-psuNO .framer-1w8q0n8 > :last-child, .framer-psuNO .framer-1uxfdan > :last-child, .framer-psuNO .framer-1dc75cx > :last-child, .framer-psuNO .framer-6cuh8i > :last-child, .framer-psuNO .framer-1926zh7 > :last-child, .framer-psuNO .framer-1bbikm5 > :last-child, .framer-psuNO .framer-1k3jahv > :last-child, .framer-psuNO .framer-1wcm72r > :last-child, .framer-psuNO .framer-as8qaz > :last-child, .framer-psuNO .framer-1pwxuhx > :last-child, .framer-psuNO .framer-1xl7gle > :last-child, .framer-psuNO .framer-1r8xbpn > :last-child, .framer-psuNO .framer-1bv30uy > :last-child, .framer-psuNO .framer-i9mb5h > :last-child, .framer-psuNO .framer-12yow1v > :last-child, .framer-psuNO .framer-qo43jm > :last-child, .framer-psuNO .framer-1nh5fji > :last-child, .framer-psuNO .framer-1eesmh4 > :last-child, .framer-psuNO .framer-1opwirr > :last-child, .framer-psuNO .framer-z9yxm > :last-child, .framer-psuNO .framer-zrgqw3 > :last-child, .framer-psuNO .framer-1hkr60h > :last-child, .framer-psuNO .framer-dwpret > :last-child, .framer-psuNO .framer-174cbun > :last-child, .framer-psuNO .framer-2uj476 > :last-child, .framer-psuNO .framer-knddsi > :last-child, .framer-psuNO .framer-zvv8d3 > :last-child, .framer-psuNO .framer-cbh3xr > :last-child, .framer-psuNO .framer-1cexbml > :last-child { margin-bottom: 0px; } .framer-psuNO .framer-1k8m3s4 > * { margin: 0px; margin-left: calc(143px / 2); margin-right: calc(143px / 2); } .framer-psuNO .framer-1k8m3s4 > :first-child, .framer-psuNO .framer-9gprc1 > :first-child, .framer-psuNO .framer-kr5wd > :first-child, .framer-psuNO .framer-1yehnh8 > :first-child, .framer-psuNO .framer-tgw8ry > :first-child, .framer-psuNO .framer-1x8p6xo > :first-child, .framer-psuNO .framer-7j2eqi > :first-child, .framer-psuNO .framer-1lbdir0 > :first-child, .framer-psuNO .framer-2f29bp > :first-child, .framer-psuNO .framer-s1lp7e > :first-child, .framer-psuNO .framer-3kk70q > :first-child, .framer-psuNO .framer-t9a96i > :first-child, .framer-psuNO .framer-3u0by3 > :first-child, .framer-psuNO .framer-wb533a > :first-child, .framer-psuNO .framer-1l582lw > :first-child, .framer-psuNO .framer-1mf6tfs > :first-child, .framer-psuNO .framer-1gsysry > :first-child, .framer-psuNO .framer-249j8h > :first-child, .framer-psuNO .framer-p24x6o > :first-child, .framer-psuNO .framer-1v124us > :first-child, .framer-psuNO .framer-1uh0cfg > :first-child, .framer-psuNO .framer-bk7gyp > :first-child, .framer-psuNO .framer-1dundf3 > :first-child, .framer-psuNO .framer-3uk5oh > :first-child, .framer-psuNO .framer-165ngcn > :first-child, .framer-psuNO .framer-4sehyb > :first-child { margin-left: 0px; } .framer-psuNO .framer-1k8m3s4 > :last-child, .framer-psuNO .framer-9gprc1 > :last-child, .framer-psuNO .framer-kr5wd > :last-child, .framer-psuNO .framer-1yehnh8 > :last-child, .framer-psuNO .framer-tgw8ry > :last-child, .framer-psuNO .framer-1x8p6xo > :last-child, .framer-psuNO .framer-7j2eqi > :last-child, .framer-psuNO .framer-1lbdir0 > :last-child, .framer-psuNO .framer-2f29bp > :last-child, .framer-psuNO .framer-s1lp7e > :last-child, .framer-psuNO .framer-3kk70q > :last-child, .framer-psuNO .framer-t9a96i > :last-child, .framer-psuNO .framer-3u0by3 > :last-child, .framer-psuNO .framer-wb533a > :last-child, .framer-psuNO .framer-1l582lw > :last-child, .framer-psuNO .framer-1mf6tfs > :last-child, .framer-psuNO .framer-1gsysry > :last-child, .framer-psuNO .framer-249j8h > :last-child, .framer-psuNO .framer-p24x6o > :last-child, .framer-psuNO .framer-1v124us > :last-child, .framer-psuNO .framer-1uh0cfg > :last-child, .framer-psuNO .framer-bk7gyp > :last-child, .framer-psuNO .framer-1dundf3 > :last-child, .framer-psuNO .framer-3uk5oh > :last-child, .framer-psuNO .framer-165ngcn > :last-child, .framer-psuNO .framer-4sehyb > :last-child { margin-right: 0px; } .framer-psuNO .framer-9gprc1 > *, .framer-psuNO .framer-tgw8ry > *, .framer-psuNO .framer-2f29bp > *, .framer-psuNO .framer-3u0by3 > *, .framer-psuNO .framer-1gsysry > *, .framer-psuNO .framer-1uh0cfg > *, .framer-psuNO .framer-165ngcn > * { margin: 0px; margin-left: calc(0px / 2); margin-right: calc(0px / 2); } .framer-psuNO .framer-9gdkk7 > * { margin: 0px; margin-bottom: calc(21px / 2); margin-top: calc(21px / 2); } .framer-psuNO .framer-15b4u2p > *, .framer-psuNO .framer-1hgdebg > *, .framer-psuNO .framer-1dc75cx > *, .framer-psuNO .framer-as8qaz > *, .framer-psuNO .framer-12yow1v > *, .framer-psuNO .framer-zrgqw3 > *, .framer-psuNO .framer-zvv8d3 > * { margin: 0px; margin-bottom: calc(10px / 2); margin-top: calc(10px / 2); } .framer-psuNO .framer-18ig7uk > * { margin: 0px; margin-bottom: calc(52px / 2); margin-top: calc(52px / 2); } .framer-psuNO .framer-18ub5to > *, .framer-psuNO .framer-1u8bxly > *, .framer-psuNO .framer-1w8q0n8 > *, .framer-psuNO .framer-1k3jahv > *, .framer-psuNO .framer-1bv30uy > *, .framer-psuNO .framer-1opwirr > *, .framer-psuNO .framer-2uj476 > * { margin: 0px; margin-bottom: calc(40px / 2); margin-top: calc(40px / 2); } .framer-psuNO .framer-1abzopx > * { margin: 0px; margin-bottom: calc(25px / 2); margin-top: calc(25px / 2); } .framer-psuNO .framer-kr5wd > *, .framer-psuNO .framer-7j2eqi > *, .framer-psuNO .framer-3kk70q > *, .framer-psuNO .framer-1l582lw > *, .framer-psuNO .framer-p24x6o > *, .framer-psuNO .framer-1dundf3 > * { margin: 0px; margin-left: calc(10px / 2); margin-right: calc(10px / 2); } .framer-psuNO .framer-1yehnh8 > *, .framer-psuNO .framer-1lbdir0 > *, .framer-psuNO .framer-t9a96i > *, .framer-psuNO .framer-1mf6tfs > *, .framer-psuNO .framer-1v124us > *, .framer-psuNO .framer-3uk5oh > * { margin: 0px; margin-left: calc(32px / 2); margin-right: calc(32px / 2); } .framer-psuNO .framer-16thkie > *, .framer-psuNO .framer-1926zh7 > *, .framer-psuNO .framer-1xl7gle > *, .framer-psuNO .framer-1nh5fji > *, .framer-psuNO .framer-dwpret > *, .framer-psuNO .framer-1cexbml > * { margin: 0px; margin-bottom: calc(23px / 2); margin-top: calc(23px / 2); } .framer-psuNO .framer-1x8p6xo > *, .framer-psuNO .framer-s1lp7e > *, .framer-psuNO .framer-wb533a > *, .framer-psuNO .framer-249j8h > *, .framer-psuNO .framer-bk7gyp > *, .framer-psuNO .framer-4sehyb > * { margin: 0px; margin-left: calc(4px / 2); margin-right: calc(4px / 2); } }\",\"@media (min-width: 1200px) and (max-width: 1599px) { .framer-psuNO .hidden-1xsr40t { display: none !important; } }\",\"@media (min-width: 1600px) { .framer-psuNO .hidden-1vc3rj8 { display: none !important; } .framer-psuNO.framer-1xsr40t { width: 1600px; } .framer-psuNO .framer-1rc78hk, .framer-psuNO .framer-15t9nt5 { order: 1; } .framer-psuNO .framer-y4hv6p { align-content: center; align-items: center; display: flex; flex-direction: row; flex-wrap: nowrap; gap: 10px; justify-content: center; order: 2; padding: 0px; } .framer-psuNO .framer-1j17sjb-container { height: 50px; left: 50%; order: 0; transform: translateX(-50%); width: auto; z-index: 1; } .framer-psuNO .framer-1k8m3s4 { max-width: 1600px; order: 7; padding: 105px 0px 55px 50px; } .framer-psuNO .framer-clptuk { width: 95%; } .framer-psuNO .framer-9gdkk7 { width: min-content; } .framer-psuNO .framer-89l30k { width: 626px; } .framer-psuNO .framer-18ig7uk { background-color: #ffffff; height: min-content; order: 8; } .framer-psuNO .framer-18ub5to { width: 94%; } .framer-psuNO .framer-1abzopx { max-width: 2000px; } .framer-psuNO .framer-2cxed6 { grid-auto-rows: min-content; grid-template-rows: repeat(2, min-content); } .framer-psuNO .framer-32v47f, .framer-psuNO .framer-1bgc7zc, .framer-psuNO .framer-1bbikm5, .framer-psuNO .framer-1r8xbpn, .framer-psuNO .framer-1eesmh4, .framer-psuNO .framer-174cbun { height: auto; } .framer-psuNO .framer-kr5wd, .framer-psuNO .framer-7j2eqi, .framer-psuNO .framer-3kk70q { height: var(--framer-aspect-ratio-supported, 347px); } .framer-psuNO .framer-1v6k3hx, .framer-psuNO .framer-6cuh8i, .framer-psuNO .framer-1pwxuhx, .framer-psuNO .framer-qo43jm, .framer-psuNO .framer-1hkr60h, .framer-psuNO .framer-cbh3xr { height: 250px; } .framer-psuNO .framer-1lrwu9n, .framer-psuNO .framer-1quzd8q-container { order: 0; } .framer-psuNO .framer-1l582lw, .framer-psuNO .framer-p24x6o, .framer-psuNO .framer-1dundf3 { height: var(--framer-aspect-ratio-supported, 346px); } .framer-psuNO .framer-1bcwam2-container { order: 9; } @supports (background: -webkit-named-image(i)) and (not (scale:1)) { .framer-psuNO .framer-y4hv6p { gap: 0px; } .framer-psuNO .framer-y4hv6p > * { margin: 0px; margin-left: calc(10px / 2); margin-right: calc(10px / 2); } .framer-psuNO .framer-y4hv6p > :first-child { margin-left: 0px; } .framer-psuNO .framer-y4hv6p > :last-child { margin-right: 0px; } }}\",\"@media (min-width: 810px) and (max-width: 1199px) { .framer-psuNO .hidden-y1ks8j { display: none !important; } .framer-psuNO.framer-1xsr40t { width: 810px; } .framer-psuNO .framer-1rc78hk, .framer-psuNO .framer-1h34vac { order: 0; } .framer-psuNO .framer-1dcm85o-container { order: 1; } .framer-psuNO .framer-1k8m3s4 { align-content: center; align-items: center; flex-direction: column; justify-content: center; order: 3; padding: 105px 0px 55px 0px; } .framer-psuNO .framer-9gprc1 { justify-content: center; order: 1; width: 100%; } .framer-psuNO .framer-clptuk { flex-direction: row; height: 306px; justify-content: center; padding: 25px; width: 90%; } .framer-psuNO .framer-9gdkk7 { padding: 3px; } .framer-psuNO .framer-w4xveh { white-space: pre-wrap; width: 90%; word-break: break-word; word-wrap: break-word; } .framer-psuNO .framer-18ig7uk { gap: 55px; height: min-content; order: 6; } .framer-psuNO .framer-18ub5to { gap: 27px; width: 100%; } .framer-psuNO .framer-1abzopx { align-content: flex-start; align-items: flex-start; flex-direction: row; width: 90%; } .framer-psuNO .framer-15qy9xv { flex: 1 0 0px; order: 0; width: 1px; } .framer-psuNO .framer-1utv7w5 { order: 1; width: 154px; } .framer-psuNO .framer-19nejup { order: 2; } .framer-psuNO .framer-2cxed6 { align-content: center; align-items: center; display: flex; flex-direction: column; flex-wrap: nowrap; } .framer-psuNO .framer-32v47f, .framer-psuNO .framer-1bgc7zc, .framer-psuNO .framer-1bbikm5, .framer-psuNO .framer-1r8xbpn, .framer-psuNO .framer-1eesmh4, .framer-psuNO .framer-174cbun { align-self: unset; height: 500px; width: 90%; } .framer-psuNO .framer-kr5wd, .framer-psuNO .framer-7j2eqi, .framer-psuNO .framer-3kk70q, .framer-psuNO .framer-1l582lw, .framer-psuNO .framer-p24x6o, .framer-psuNO .framer-1dundf3 { aspect-ratio: unset; height: 239px; } .framer-psuNO .framer-1v6k3hx, .framer-psuNO .framer-6cuh8i, .framer-psuNO .framer-1pwxuhx, .framer-psuNO .framer-qo43jm, .framer-psuNO .framer-1hkr60h, .framer-psuNO .framer-cbh3xr { height: min-content; padding: 0px 0px 25px 0px; } .framer-psuNO .framer-1bcwam2-container { order: 7; } .framer-psuNO .framer-1quzd8q-container { order: 9; } @supports (background: -webkit-named-image(i)) and (not (scale:1)) { .framer-psuNO .framer-1k8m3s4, .framer-psuNO .framer-clptuk, .framer-psuNO .framer-18ig7uk, .framer-psuNO .framer-18ub5to, .framer-psuNO .framer-1abzopx, .framer-psuNO .framer-2cxed6 { gap: 0px; } .framer-psuNO .framer-1k8m3s4 > * { margin: 0px; margin-bottom: calc(143px / 2); margin-top: calc(143px / 2); } .framer-psuNO .framer-1k8m3s4 > :first-child, .framer-psuNO .framer-18ig7uk > :first-child, .framer-psuNO .framer-18ub5to > :first-child, .framer-psuNO .framer-2cxed6 > :first-child { margin-top: 0px; } .framer-psuNO .framer-1k8m3s4 > :last-child, .framer-psuNO .framer-18ig7uk > :last-child, .framer-psuNO .framer-18ub5to > :last-child, .framer-psuNO .framer-2cxed6 > :last-child { margin-bottom: 0px; } .framer-psuNO .framer-clptuk > * { margin: 0px; margin-left: calc(0px / 2); margin-right: calc(0px / 2); } .framer-psuNO .framer-clptuk > :first-child, .framer-psuNO .framer-1abzopx > :first-child { margin-left: 0px; } .framer-psuNO .framer-clptuk > :last-child, .framer-psuNO .framer-1abzopx > :last-child { margin-right: 0px; } .framer-psuNO .framer-18ig7uk > * { margin: 0px; margin-bottom: calc(55px / 2); margin-top: calc(55px / 2); } .framer-psuNO .framer-18ub5to > * { margin: 0px; margin-bottom: calc(27px / 2); margin-top: calc(27px / 2); } .framer-psuNO .framer-1abzopx > * { margin: 0px; margin-left: calc(25px / 2); margin-right: calc(25px / 2); } .framer-psuNO .framer-2cxed6 > * { margin: 0px; margin-bottom: calc(30px / 2); margin-top: calc(30px / 2); } }}\",\"@media (max-width: 809px) { .framer-psuNO .hidden-16bvh4k { display: none !important; } .framer-psuNO.framer-1xsr40t { width: 390px; } .framer-psuNO .framer-1e6xg77, .framer-psuNO .framer-19nejup { order: 2; } .framer-psuNO .framer-qm12yv-container { order: 3; } .framer-psuNO .framer-1k8m3s4 { align-content: center; align-items: center; flex-direction: column; gap: 29px; justify-content: center; order: 4; padding: 105px 0px 55px 0px; } .framer-psuNO .framer-9gprc1 { justify-content: center; order: 2; width: 100%; } .framer-psuNO .framer-clptuk { border-bottom-left-radius: 20px; border-bottom-right-radius: 20px; border-top-left-radius: 20px; border-top-right-radius: 20px; gap: 33px; justify-content: center; padding: 35px 15px 35px 15px; width: 90%; } .framer-psuNO .framer-9gdkk7 { align-content: center; align-items: center; gap: 14px; } .framer-psuNO .framer-w4xveh { order: 0; white-space: pre-wrap; width: 99%; word-break: break-word; word-wrap: break-word; } .framer-psuNO .framer-89l30k { order: 1; width: 99%; } .framer-psuNO .framer-15b4u2p { order: 2; padding: 5px; width: 99%; } .framer-psuNO .framer-18ig7uk { align-content: flex-start; align-items: flex-start; height: min-content; order: 6; } .framer-psuNO .framer-18ub5to { gap: 0px; order: 0; width: 100%; } .framer-psuNO .framer-1abzopx { align-content: flex-start; align-items: flex-start; width: 90%; } .framer-psuNO .framer-15qy9xv { order: 0; } .framer-psuNO .framer-1h34vac { order: 1; } .framer-psuNO .framer-2cxed6 { align-content: center; align-items: center; display: flex; flex-direction: column; flex-wrap: nowrap; padding: 55px 0px 55px 0px; } .framer-psuNO .framer-32v47f, .framer-psuNO .framer-1bgc7zc, .framer-psuNO .framer-1bbikm5, .framer-psuNO .framer-1r8xbpn, .framer-psuNO .framer-1eesmh4 { align-self: unset; height: min-content; width: 90%; } .framer-psuNO .framer-kr5wd, .framer-psuNO .framer-7j2eqi, .framer-psuNO .framer-3kk70q, .framer-psuNO .framer-1l582lw, .framer-psuNO .framer-p24x6o, .framer-psuNO .framer-1dundf3 { height: var(--framer-aspect-ratio-supported, 144px); } .framer-psuNO .framer-1v6k3hx, .framer-psuNO .framer-6cuh8i, .framer-psuNO .framer-1pwxuhx, .framer-psuNO .framer-qo43jm { height: min-content; padding: 0px 0px 25px 0px; } .framer-psuNO .framer-1hkr60h, .framer-psuNO .framer-cbh3xr { height: min-content; padding: 0px 0px 25px 0px; width: 88%; } .framer-psuNO .framer-174cbun { align-self: unset; height: min-content; opacity: 0.9; width: 90%; } .framer-psuNO .framer-1bcwam2-container { order: 7; } .framer-psuNO .framer-1quzd8q-container { order: 9; } @supports (background: -webkit-named-image(i)) and (not (scale:1)) { .framer-psuNO .framer-1k8m3s4, .framer-psuNO .framer-clptuk, .framer-psuNO .framer-9gdkk7, .framer-psuNO .framer-18ub5to, .framer-psuNO .framer-2cxed6 { gap: 0px; } .framer-psuNO .framer-1k8m3s4 > * { margin: 0px; margin-bottom: calc(29px / 2); margin-top: calc(29px / 2); } .framer-psuNO .framer-1k8m3s4 > :first-child, .framer-psuNO .framer-clptuk > :first-child, .framer-psuNO .framer-9gdkk7 > :first-child, .framer-psuNO .framer-18ub5to > :first-child, .framer-psuNO .framer-2cxed6 > :first-child { margin-top: 0px; } .framer-psuNO .framer-1k8m3s4 > :last-child, .framer-psuNO .framer-clptuk > :last-child, .framer-psuNO .framer-9gdkk7 > :last-child, .framer-psuNO .framer-18ub5to > :last-child, .framer-psuNO .framer-2cxed6 > :last-child { margin-bottom: 0px; } .framer-psuNO .framer-clptuk > * { margin: 0px; margin-bottom: calc(33px / 2); margin-top: calc(33px / 2); } .framer-psuNO .framer-9gdkk7 > * { margin: 0px; margin-bottom: calc(14px / 2); margin-top: calc(14px / 2); } .framer-psuNO .framer-18ub5to > * { margin: 0px; margin-bottom: calc(0px / 2); margin-top: calc(0px / 2); } .framer-psuNO .framer-2cxed6 > * { margin: 0px; margin-bottom: calc(30px / 2); margin-top: calc(30px / 2); } }}\",...sharedStyle.css,...sharedStyle1.css,'.framer-psuNO[data-border=\"true\"]::after, .framer-psuNO [data-border=\"true\"]::after { content: \"\"; border-width: var(--border-top-width, 0) var(--border-right-width, 0) var(--border-bottom-width, 0) var(--border-left-width, 0); border-color: var(--border-color, none); border-style: var(--border-style, none); width: 100%; height: 100%; position: absolute; box-sizing: border-box; left: 0; top: 0; border-radius: inherit; pointer-events: none; }'];/**\n * This is a generated Framer component.\n * @framerIntrinsicHeight 3225\n * @framerIntrinsicWidth 1200\n * @framerCanvasComponentVariantDetails {\"propertyName\":\"variant\",\"data\":{\"default\":{\"layout\":[\"fixed\",\"auto\"]},\"jLeYVhg0E\":{\"layout\":[\"fixed\",\"auto\"]},\"ryLib0ZF3\":{\"layout\":[\"fixed\",\"auto\"]},\"N3x5gCNJr\":{\"layout\":[\"fixed\",\"auto\"]}}}\n * @framerImmutableVariables true\n * @framerDisplayContentsDiv false\n * @framerComponentViewportWidth true\n * @framerResponsiveScreen\n */const FramerD595W1I4E=withCSS(Component,css,\"framer-psuNO\");export default FramerD595W1I4E;FramerD595W1I4E.displayName=\"Learn\";FramerD595W1I4E.defaultProps={height:3225,width:1200};addFonts(FramerD595W1I4E,[{explicitInter:true,fonts:[{family:\"Poppins\",source:\"google\",style:\"normal\",url:\"https://fonts.gstatic.com/s/poppins/v21/pxiByp8kv8JHgFVrLCz7V15vFP-KUEg.woff2\",weight:\"700\"},{family:\"Poppins\",source:\"google\",style:\"normal\",url:\"https://fonts.gstatic.com/s/poppins/v21/pxiEyp8kv8JHgFVrFJXUc1NECPY.woff2\",weight:\"400\"},{family:\"Poppins\",source:\"google\",style:\"normal\",url:\"https://fonts.gstatic.com/s/poppins/v21/pxiByp8kv8JHgFVrLGT9V15vFP-KUEg.woff2\",weight:\"500\"}]},...ScrollBarFonts,...BlogNavFonts,...BlueButtonFonts,...WhiteButtonFonts,...FooterFonts,...NavigationNavbarFonts,...getFontsFromSharedStyle(sharedStyle.fonts),...getFontsFromSharedStyle(sharedStyle1.fonts)],{supportsExplicitInterCodegen:true});\nexport const 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}