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So, what does Flacco get? A likely return to being one of the highest-paid players in the NFL.
As an incentive to rework his deal, the Ravens probably have to give Flacco more than the $58.6 million he's scheduled to make in the final three years of his current deal. If Flacco receives more than $61 million in guaranteed money, he will rank in the top five in the league in guaranteed money.
According to ESPN Roster Management System, the top five players in guaranteed money are: Philip Rivers ($65 million), Eli Manning ($65 million), Ben Roethlisberger ($64 million), Russell Wilson ($61.5 million) and Colin Kaepernick ($61 million).
While this will likely lead to criticism that Flacco is overpaid, history shows that his time among the highest-paid players will be short-lived. When he signed his previous contract, his $51 million in guaranteed money ranked third in the league behind Tom Brady ($57 million) and Drew Brees ($55 million). Three years later, Flacco ranks 18th in guaranteed money.
This is the price of doing business in the NFL if you want to keep a franchise quarterback. Flacco has watched Matt Ryan ($59 million), Tony Romo ($55 million) and Jay Cutler ($54 million) all sign deals with more guaranteed money.
What shouldn't change is Flacco's standing among quarterbacks in average per year. He is one of nine quarterbacks who average over $20 million per season, and he would move into the top five if he averages more than $20.9 million per season.
None of this comes as a surprise. Both sides acknowledged that Flacco's contract would have to be addressed after three years, and a source told ESPN's Adam Caplan that they've made progress in talks during the NFL combine.
This isn't about Flacco being greedy. This is about leverage. The Ravens won't be able to improve the team if they carry Flacco's $28.55 million deal, and there is no chance of Baltimore cutting him. That's why the Ravens were the ones who approached Flacco about a new deal because they want more cap space, and it's only right that Flacco gets something in return to help out the team. The sides just have to determine what's a fair deal, and that should still result in Flacco getting paid quite handsomely.
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Here are some money savers:• the Empire State Child Credit, a refundable tax credit worth up to $330 per child for ages 4-16;• the Child and Dependent Care Credit, a tax credit based on a sliding income scale for working parents who pay for child care or those who live with a spouse or dependent who is physically or mentally incapable of self-care;• the federal Child Tax Credit, a non-refundable tax credit of up to $1,000 per child under the age of 17, or the refundable Additional Child Tax Credit;• the Real Property Tax Credit, a refundable tax credit worth up to $375 for eligible homeowners and renters.
Workers with low or moderate incomes can qualify for the federal and state Earned Income Tax Credit (EITC), recouping portions of the income tax withheld from their paychecks.
To qualify for the New York State and federal EITC, you must:• have worked full or part time at some point during the calendar year;• be raising "qualified" children at home;• have income below $39,131 ($44,651 if married) with one child;• have income below $44,454 ($49,974 if married) with two children;• have income below $47,747 ($53,267 if married) with three or more children; or• be a worker between the ages of 25 and 65, earning less than $14,820 ($20,330 if married) with no children.For more information on any of these credits, visit tax.ny.gov.Preparing your taxes can be overwhelming. Free assistance is available if you need help. The IRS-certified volunteers with the Volunteer Income Tax Assistance (VITA) program provide free tax preparation services to individuals and families with annual incomes of $54,000 or less, people with disabilities, the elderly and those with limited English skills. For those 60 years of age and older, the Tax Counseling for the E lderly (TCE) program can also provide assistance at no cost to you. To find the nearest VITA or TCE site, visit irs.gov/Individuals/Free-Tax-Return-Preparation-for-You-by-Volunteers or call 800-906-9887.And, as always, please feel free to contact me about this or any other community issue at 518-455-4474 or at mcdonaldj@assembly.state.ny.us
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Shouldn't the Jets trade Richardson and sign better player Mo? Why do the jets trade away their best player? Key, Abe, Revis, Mo? #jetsmail
— Ben Duggan (@beanzze) February 25, 2016
@RichCimini: You raise an excellent point, Ben. The Jets have a tendency to get into contractual pickles that result in them trading away top players -- Keyshawn Johnson, John Abraham and Darrelle Revis. In Abraham's case, character issues were a big factor in the decision to trade him. To be fair, the Jets did pretty well in those trades, landing Abraham and Anthony Becht (for Johnson), Nick Mangold (for Abraham) and Sheldon Richardson (for Revis). It's weird how they're all kind of connected, isn't it?
But let's get back to the original question: Should they sign Muhammad Wilkerson and deal Richardson? Personally, I'm on board with that scenario, but it's easier said than done. It would be difficult, perhaps impossible, to get fair-market value for Richardson because he's in the NFL's substance-abuse program and facing a likely suspension for his police-chase arrest last July. Richardson is a terrific talent, but teams are reluctant to trade for a player who could be sidelined a month (or longer) under the personal-conduct policy. If he didn't have that baggage, Richardson would be a hot commodity on the trading block. Of course, if he had a clean record, the Jets would have no reason to unload him.
What makes Richardson an asset -- aside from his ability -- is that his salary is price-fixed for at least two more years. He's entering the final year of his contract ($3.2 million cap charge), but he knows the team will exercise the fifth-year option for 2017. In 2018, he could get the franchise tag. He won't be happy about it, and he could make a bigger stink than Wilkerson ever did -- and that concerns the Jets. Nevertheless, I'd take a wait-and-see approach before handing him a mega-contract, finding out if he's serious about being a solid citizen. They also value Richardson because he's the only true 3-technique on the defensive line. Wilkerson and Leonard Williams are 5-techniques, and we know Williams isn't going anywhere.
The other aspect to your question is being able to sign Wilkerson. Honestly, I don't know what the Jets are offering, but it apparently isn't close to what he wants. Wilkerson isn't J.J. Watt, but he's a very good player. He's near the top of every free-agent ranking list, so that should tell you something. He's only 26 and he has no known off-the-field issues. I don't think they'll sign him before free agency, meaning the franchise tag. The deadline for a long-term contract is July 15. Maybe the Jets are hoping that Wilkerson, coming off the first major injury of his career, will take whatever is on the table instead of risking another one-year deal.
In the end, I think Wilkerson and Richardson will remain together ... for at least one more year, anyway.
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In 2013, University of Chicago professor Harold Pollack offhandedly mentioned that the best money advice fits on a three-by-five inch index card while interviewing financial journalist and author Helaine Olen on The Reality-Based Community blog.
A commenter, Alex M, asked for the actual index card.
Although he was originally speaking in metaphor, to prove his point, Pollack grabbed a pen and four-by-six inch note card, and scribbled the basic financial rules he'd been following the past decade.
Pollack's next blog post, titled "Advice to Alex M," included a picture of the card. It quickly went viral.
Economist Sendhil Mullainathan tweeted the card out. So did top economist Justin Wolfers. Vanguard mentioned the card on its blog. "Pollack's right," wrote Ezra Klein in the Washington Post. "Follow these principles and you'll be in much, much, much better shape than most Americans — or most anyone."
Unlike the majority of money advice out there, Pollack's index card simplifies things, and is based on his personal experience of turning around his and his wife's financial situation.
"Through trial and error, conversations with friends and other academics, I slowly pieced together a new financial regimen," Pollack writes in "The Index Card," the book he and Olen co-authored. "Some was common sense. Some involved teaching myself insights that were actually well known to financial economists but under emphasized in the cacophony put out by the financial services industry. The most important advice was embarrassingly simple."
Here's the original card, which Pollack drafted up in three minutes:
Harold Pollack
The card reads:
1. Max your 401(k) or equivalent employee contribution.
2. Buy inexpensive, well-diversified mutual funds such as Vanguard Target 20XX funds.
3. Never buy or sell an individual security. The person on the other side of the table knows more than you do about this stuff.
4. Save 20% of your money. (In "The Index Card," Pollack and Olen altered this to "10% t0 20%").
5. Pay your credit card balance in full every month.
6. Maximize tax-advantaged savings vehicles like Roth, SEP, and 529 accounts.
7. Pay attention to fees. Avoid actively managed funds.
8. Make financial advisers commit to a fiduciary standard.
9. Promote social insurance programs to help people when things go wrong.
SEE ALSO: A Nobel Prize winner gives his single best piece of advice about money NOW WATCH: This couple ditched their 9 to 5 jobs to make a living traveling the world Please enable Javascript to watch this videoBuy AutoTrafficRSS script now for $27 only!
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Shouldn't the Jets trade Richardson and sign better player Mo? Why do the jets trade away their best player? Key, Abe, Revis, Mo? #jetsmail
— Ben Duggan (@beanzze) February 25, 2016
@RichCimini: You raise an excellent point, Ben. The Jets have a tendency to get into contractual pickles that result in them trading away top players -- Keyshawn Johnson, John Abraham and Darrelle Revis. In Abraham's case, character issues were a big factor in the decision to trade him. To be fair, the Jets did pretty well in those trades, landing Abraham and Anthony Becht (for Johnson), Nick Mangold (for Abraham) and Sheldon Richardson (for Revis). It's weird how they're all kind of connected, isn't it?
But let's get back to the original question: Should they sign Muhammad Wilkerson and deal Richardson? Personally, I'm on board with that scenario, but it's easier said than done. It would be difficult, perhaps impossible, to get fair-market value for Richardson because he's in the NFL's substance-abuse program and facing a likely suspension for his police-chase arrest last July. Richardson is a terrific talent, but teams are reluctant to trade for a player who could be sidelined a month (or longer) under the personal-conduct policy. If he didn't have that baggage, Richardson would be a hot commodity on the trading block. Of course, if he had a clean record, the Jets would have no reason to unload him.
What makes Richardson an asset -- aside from his ability -- is that his salary is price-fixed for at least two more years. He's entering the final year of his contract ($3.2 million cap charge), but he knows the team will exercise the fifth-year option for 2017. In 2018, he could get the franchise tag. He won't be happy about it, and he could make a bigger stink than Wilkerson ever did -- and that concerns the Jets. Nevertheless, I'd take a wait-and-see approach before handing him a mega-contract, finding out if he's serious about being a solid citizen. They also value Richardson because he's the only true 3-technique on the defensive line. Wilkerson and Leonard Williams are 5-techniques, and we know Williams isn't going anywhere.
The other aspect to your question is being able to sign Wilkerson. Honestly, I don't know what the Jets are offering, but it apparently isn't close to what he wants. Wilkerson isn't J.J. Watt, but he's a very good player. He's near the top of every free-agent ranking list, so that should tell you something. He's only 26 and he has no known off-the-field issues. I don't think they'll sign him before free agency, meaning the franchise tag. The deadline for a long-term contract is July 15. Maybe the Jets are hoping that Wilkerson, coming off the first major injury of his career, will take whatever is on the table instead of risking another one-year deal.
In the end, I think Wilkerson and Richardson will remain together ... for at least one more year, anyway.
Education advocates called on Gov. Larry Hogan Thursday to send more money to Baltimore schools.
Standing outside the gate of the governor's mansion in Annapolis, members of the Baltimore Education Coalition said after a tough year in Baltimore, city students need all the help they can get.
A good education is a "ticket out of poverty," said Del. Cheryl Glenn, a Baltimore Democrat.
"We still find ourselves begging this year to put the money back for our children," she said.
Coalition members -- including the ACLU, the League of Women Voters and education groups -- are asking for a supplemental state budget that would include $25 million more for city schools.
Under the budget formulas for education, the city has not gotten more money from the state in recent years due to declining enrollment and lucrative tax breaks given to developers that artificially inflates the city's wealth. Part of the funding formula takes expected property tax revenue into consideration.
Lawmakers are considering a bill that would account for the tax breaks in the education funding calculations.
After the press conference, a spokeswoman for Hogan, Shareese DeLeaver Churchill, said education funding has risen to "historic levels."
"This year, every single jurisdiction will see an increase in per-pupil spending, including all public school students in Baltimore City," she said. "Educating our students and making sure they have every possible opportunity to succeed are the governor's top priorities and they will remain efforts the administration is committed to completely."
Hogan did provide extra money to other jurisdictions with declining enrollments -- Carroll, Garrett and Kent counties -- the advocates said. Churchill noted that those counties have had declining enrollment for five years and got a "one-time" increase. Baltimore's had only two years of enrollment declines.
"We're calling on the governor to treat all students equally," said Frank Patinella of the ACLU.
Twelve-year-old Kyre Allgood, a sixth-grader at Lakeland Elementary/Middle, stepped to the microphone and quietly said he's worried about teachers not having enough school supplies and after-school programs being cut.
"Some of us like to stay after school," he said.
In a letter to Hogan last week, advocates wrote that they think there's enough of a budget surplus to send extra money to city schools. They said they have not yet received a response.
As the advocates' press conference ended, participants spotted Hogan walking into the mansion and waved and held up yellow signs that read "Baltimore Education Coalition."
"Help us out, governor!" they called.
Hogan waved back.
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Updated February 26, 2016.
It can be difficult to make smart financial decisions when you are constantly bombarded with information and financial jargon. That is why it's essential to make sure the financial guidance you are receiving is unbiased and free of any potential conflicts of interest as you work to improve your financial wellness.
Once a month on the Retirement Planning page here at About.com I will be relying on the Certified Financial Planner™ professionals at Financial Finesse to address some common retirement planning questions with realistic action steps you can take to reach your Financial Independence Day.
Here is this month's question from a reader:
How can I recover from a late start to saving for retirement?Cynthia Meyer, CFA®, CFP®, ChFC®- Start where you are and avoid the urge to compare yourself with others. If you are "late to the party," don't beat yourself up over it. As the late Maya Angelou once said, "When you know better you do better".
The best way to get off to a fast start is to build your financial confidence. Learn everything you can about personal finance -- read books, read blogs (Financial Finesse has two personal finance blogs written by our CFPs®: Financial Finesse on Forbes and Financial Wellness at Work), watch educational videos online. Take advantage of your financial wellness program at work, and attend educational workshops from your 401(k) provider. If you are self-employed or work for a company without a lot of financial education benefits, check out resources at your local library, as well community groups.
You should also find companions for your journey. I recently wrote a blog post on how your friends can help you become financially independent -- about how I improved my own financial wellness by forming a money group with some friends.
We've launched a website and resources for people to form their own Financial Independence Day groups to learn from, support and encourage each other. Studies show that peer-to-peer learning helps people learn more information and retain more of what they've learned.
Paul Wannemacher, CPA/PFS, CFP®, MBA -The first step is to stop dwelling on lost time and opportunity and determine how far current assets and income will stretch.
Once the deficiency is identified, a plan to fund the shortfall can be weighed against and along with alternatives like working longer, working an extra job, or making lifestyle changes to frees up more savings and eliminate debt. Optimizing employer benefits like health insurance and retirement savings, lowering spending budgets to significantly increase investment, and even preparing for "the last job" that accommodates age limitations and personal interests can help those who are underfunded build and preserve resources and keep people happy and socially engaged doing something they enjoy for pay part-time.
Steve White, CFP®, MBA - Retirement can be difficult while trying to balance other goals like paying off debt or sending children to college. There is no shortage of research out there telling us how far behind most Americans are right now. It's even more frustrating saving for retirement when you're broke. Don't retire broke.
The reasons why you may not have saved as much in your retirement account as you'd prefer are less important than the things you plan on doing from this point forward.
To avoid retiring broke:
Tania Brown, CFP® - Run a retirement estimate. Even if you know deep down you are behind you still need to have complete awareness of where you actually stand today. A retirement calculator can gauge how prepared for retirement you are based on your specific information and help you make adjustments if you are not.
Brian Kelly, CFP® - Focus on your spending plan now and tomorrow. A budget or personal spending plan is a must-have and best practice financial behavior. Unfortunately, it's not always easy to follow a budget so that's why it's essential as retirement nears to have a solid grasp on where your money is going. Most importantly, you want to tell your money where to go in the coming months and throughout your retirement years. Create a budget plan for retirement to see just how much desired income is needed to meet your life goals.
Kelley Long, CPA/PFS, CFP® - Start seeking out creative income strategies for retirement. Working later than desired or seeking part-time employment are common fallback strategies used by many people unable to retire when desired. In reality, many people reach retirement and find that working later is no longer an option.
There are other ways to maximize your retirement income that don't involved working. Consider using a reverse mortgage to generate additional income.
Doug Spencer, CFP® - Try to downsize your living expenses. This could involve downsizing your home or completely relocating to another part of the country. You may not want to go to the extreme of living on boat or RV, but the primary idea is to see if there is a way you can lower your housing and other basic living expenses.
Are you interested in more information about how you can take charge of your financial life? If so, visit the Financial Independence Day site to learn more about the book What Your Financial Advisor Isn't Telling You: The 10 Essential Truths You Need to Know About Your Money.
Follow Scott on Twitter, Facebook, and at FinancialFinesse.com.
Education advocates called on Gov. Larry Hogan Thursday to send more money to Baltimore schools.
Standing outside the gate of the governor's mansion in Annapolis, members of the Baltimore Education Coalition said after a tough year in Baltimore, city students need all the help they can get.
A good education is a "ticket out of poverty," said Del. Cheryl Glenn, a Baltimore Democrat.
"We still find ourselves begging this year to put the money back for our children," she said.
Coalition members -- including the ACLU, the League of Women Voters and education groups -- are asking for a supplemental state budget that would include $25 million more for city schools.
Under the budget formulas for education, the city has not gotten more money from the state in recent years due to declining enrollment and lucrative tax breaks given to developers that artificially inflates the city's wealth. Part of the funding formula takes expected property tax revenue into consideration.
Lawmakers are considering a bill that would account for the tax breaks in the education funding calculations.
After the press conference, a spokeswoman for Hogan, Shareese DeLeaver Churchill, said education funding has risen to "historic levels."
"This year, every single jurisdiction will see an increase in per-pupil spending, including all public school students in Baltimore City," she said. "Educating our students and making sure they have every possible opportunity to succeed are the governor's top priorities and they will remain efforts the administration is committed to completely."
Hogan did provide extra money to other jurisdictions with declining enrollments -- Carroll, Garrett and Kent counties -- the advocates said. Churchill noted that those counties have had declining enrollment for five years and got a "one-time" increase. Baltimore's had only two years of enrollment declines.
"We're calling on the governor to treat all students equally," said Frank Patinella of the ACLU.
Twelve-year-old Kyre Allgood, a sixth-grader at Lakeland Elementary/Middle, stepped to the microphone and quietly said he's worried about teachers not having enough school supplies and after-school programs being cut.
"Some of us like to stay after school," he said.
In a letter to Hogan last week, advocates wrote that they think there's enough of a budget surplus to send extra money to city schools. They said they have not yet received a response.
As the advocates' press conference ended, participants spotted Hogan walking into the mansion and waved and held up yellow signs that read "Baltimore Education Coalition."
"Help us out, governor!" they called.
Hogan waved back.
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However, there are some costly mistakes which could leave an indelible mark on your blogging career or even ruin it. Here are 4 mistakes you should avoid by all means.
If you're serious about blogging, you can definitely make money from it. If not for any other reason, you'll want the money to renew your hosting account in order to keep your blog running. To do this, monetizing your blog is the best bet. But you have to go about this the right way.
You need to build good reputation and gain the confidence of your audience before you start applying your monetizing strategies. Without this in place, readers might just walk away, thinking you want to rip them off.
I've read many bloggers confess that they used to be copy-paste bloggers who would copy interesting articles from different websites and put them on their own blog without permission.
By indulging in this, you could get sued for plagiarism or get penalized by search engines. But ultimately, you're really hurting your reputation. It would be disappointing to your readers when they discover that you stole all those juicy blog posts from other hard working bloggers.
No, you can't cut-and-paste another person's words onto your blog without permission.
Making your blog vulnerable to attacks is one of the most costly mistakes you can make as a blogger. This could lead to hackers taking over your blog completely or exposing it to dangerous malwares or spam content. This would definitely be a nightmare especially if you've invested a lot of time and money in it.
Studies show that people who use the WordPress CMS are more prone to this attack simply because it accounts for more than 25% of websites worldwide. But how do you protect your WordPress blog from attack? There are many precautions to take but the simplest, yet often neglected, ones are to use strong passwords, update your plugins and themes on time, scan your website regularly and create a backup for your site content.
The danger of not renewing your hosting account and domain name on time is that you risk losing them after the term expires. The domain name could be offered for sale if you don't reclaim it early enough, thus making you lose the brand name and identity you've worked hard to build.
To avoid this, use the automatic renewal option. But if you prefer to do it manually, you should ensure that you set reminders, and keep your email with your hosting and domain providers updated so you don't miss any renewal notice. This way, you'll have enough time to make provisions for the renewal.
As you make progress in your blogging career, you'll get to learn other things that would make you smarter than when you first started.
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We will send the script to your PayPal email within few hours,Please add FullContentRSS@gmail.com to your email contact.We have all been that blogger starting out who feels like there's a better chance of finding a unicorn than making money with our blog. To many bloggers, making money with a blog is a daunting task with what appears to be much work for little reward. They have no idea what to do and find themselves going from opportunity to opportunity just to make some extra money here and there.
Within that previous statement lie two secrets: how to fail and how to succeed.
The truth about making money with our blogs is that most people overcomplicate it. If bloggers could make money by making their plans as complicated as possible, some of them would be millionaires from their plans alone. Complicated procedures make us feel accomplished because they take a lot of effort to contemplate. Simple projects are quicker to think of, so, on the surface, they don't seem as valuable. However, the simple plans work. So if you want to make money with your blog, then keep reading.
Look for opportunities that workMy definition of an opportunity that works is an opportunity that some people have leveraged to make six- or seven-figure incomes without the golden handcuffs. Self-publishing eBooks and creating training courses are two such avenues. It's easier nowadays to find out if opportunities work because numerous people post case studies online detailing the money they make from specific opportunities.
Ride with one opportunityThis is the part of the blogging journey that breaks most bloggers and turns others into sensations. With so many possibilities readily available, it is easy to try leveraging them all, get overwhelmed and then self-combust.
A classic example of over-expansion gone wrong is social media. In an attempt to master social media, people will try to master all of the social networks at the same time. Attempting to learn Twitter, Facebook, Instagram, YouTube and Periscope at the same time is just like trying to learn Spanish, German, Italian, Russian and Romanian at the same time. Just as it wouldn't make sense to master those five languages at once, it wouldn't make sense to try to learn and master five social networks at the same time. I got good on social media because I focused all of my time on Twitter, mastered it and then it was easier for me to learn how to master the other social networks.
Hire freelancersOnce you decide on an opportunity, you need to hire freelancers to lighten your workload. After I mastered creating and marketing my online training courses, I went into self-publishing. When you self-publish a book, there are several things that must be done. The book must be written and formatted. There needs to be a book cover and the description needs to be appealing. Many things go into a successful book and they can take up too much of your time.
When I self-publish my books, I never worry about the formatting or creating the book cover. I have freelancers do those tasks for me. In fact, I have an army of freelancers who perform various functions within my business.
Having the army of freelancers gives you back an entrepreneur's most valuable resource: time. With extra time, you can write more books if that's what you want to do, find more time to market your books and think of out-of-the-box ways to turn your business into a success. One of the reasons people don't think out-of-the-box is because they don't have much time to do so. Hiring freelancers allows you to focus more of your time on the work that leads to the best results.
In conclusionYou may decide to create a specific product, offer a particular service or do something else. However, you must choose one opportunity and ride with it. If you decide to self-publish books, you must ask yourself how to get more sales specifically for self-published books, how to speed up the writing process and similar questions.
You must ask those types of questions for any opportunity you pursue. The opportunity you pursue will then impact the type of content that shows up on your blog and what you promote to your audience. Get clear on the one opportunity you will pursue and you will know where to allocate your time.
Marc Guberti is a senior at Fordham Preparatory School and a social media and business blogger and author. He's on Twitter @MarcGuberti and can be reached by phone at 914-722-6005 or email at Marc@MarcGuberti.com.
CENTENNIAL, Colo (CBS4) – Credit card debt is on the rise in the United States, and most financial planners recommend that paying that high-interest debt off is the best thing you can do for your financial picture.
Seven years ago, Eliza Cross felt she'd spent too much during the holidays, so she put herself on a money diet in January. She's done the diet every year since, and writes about it for her blog at happysimpleliving.com.
LINK: happysimpleliving.com
"It began as just kind of a 30-day break from spending," she explained.
You can do the diet any month, but Cross does recommend you put a 30-day limit on it. If you know there's an end, it makes it easier to stick to your goal. Her goal is to spend money only on her monthly bills and other essentials like groceries.
"We don't have pizza delivery. We don't go out to dinner. We don't buy things," Cross told CBS4.
Instead of going out, Cross stays in making pizza at home and watching a movie from the library.
"One of the really important keys is to have some splurges through the month," Cross said.
Here are some tips for saving during a money diet:
Cross even offers some special challenges to tackle while doing your money diet. She says she likes to figure out her net worth, by taking what you own and subtracting what you owe.
"It's really the only way to figure out exactly where you are financially and see the truth," Cross explained.
At the end of the month, you can expect to have some extra money. Cross says she's saved as much as $1,000 during a money diet.
"What I try to do is apply the money in a place that will make my net worth go up, so that would either be paying down debt or investing it … putting it toward savings," she explained.
Libby Smith is a Special Projects Producer at CBS4. If you have a story you'd like to tell CBS4 about, call 303-863-TIPS (8477) or visit the News Tips section.
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We will send the script to your PayPal email within few hours,Please add FullContentRSS@gmail.com to your email contact.You can make a decent amount of money cleaning houses and you don't necessarily need to be a full-time maid to do that. Many people in more wealthy areas look to hire individual maids instead of hiring maids through companies. Then, by word of mouth, people will begin recommending you to friends, etc. You can make between $12 and $20 an hour cleaning houses usually.
BloggingBlogging for income isn't a really new concept. People have been doing it for quite some time. Many moms do it for extra money when they are staying at home with their kids. Blogging is also something that you can pick up and stop when you want to, so it is a great thing to do if you are making extra money for a short-term savings goal. Obviously, blogging can take time. However, some websites are willing to pay writers nicely for their time and efforts for a piece. You can also start your own blog and create a following. You can use some affiliate programs to make money with your own website.
Virtual AssistantBlogging is a great way to make extra money, but so is being a virtual assistant! Bloggers, website owners and even business owners don't always have the time they need to get everything they need done. Being a virtual assistant, you would help the website or business with whatever they need help with. This can vary from creating content to managing social media accounts to simple administrative assistance. You can do this from home so, that's a plus too.
BabysittingBabysitting is a relatively easy way to make extra money too. If you can market your services well and babysit a couple times a week, you can make some decent extra money. Many babysitters charge up to $15 per hour so the extra cash stacks up quickly and, like cleaning houses, if you are good at what you do, people will recommend you to their friends.
Mowing LawnsThis is another word-of-mouth job that you can get more clients the better your work is. Of course, mowing lawns is not a ton of fun, but it can pay nicely. You can charge about $50 per yard. If you've got five yards to mow each week, you can get an extra $250 per week and $1,000 per month. This takes a little bit of time and some physical effort, but could be worth the additional pay out.
Pet SittingJust like babysitting, pet sitting can be minimal effort and people will recommend you if you are good at it. Many people will pay up to $50 a day for someone to watch out for their beloved pets. This usually only takes an hour or two a day while the person is away on vacation and it can be a good way to make a little extra cash (up to $1,000 a month if demand is high).
Offer Up A ServiceIf you can offer a service that is need in your area, offer it! People will usually need it and, in tight knit communities, people will think of you first. You can offer things such as elderly care, grocery delivery, baker, consignment sale, arts & crafts and even hair cuts to your community. These can all be great ways to make a little extra cash.
Buy AutoTrafficRSS script now for $27 only!
We will send the script to your PayPal email within few hours,Please add FullContentRSS@gmail.com to your email contact.