Reasons Many People Stay in Debt

Why People Stay in DebtWhy People Stay in DebtDebts are sometimes inevitable in life. For most people, it would be next to impossible to own a home, a car, pay bills or even get an education without credit. Federal Bank of New York released a report that put household debt and credit at $13.29 trillion in the second quarter of 2018.

Do people end up repaying all these debts? Unfortunately no; many people are up to their necks in debt and quite a large number of them are doing nothing towards repayment. There are numerous reasons why many people stay in debt. Here are several:

Living Beyond Means

This simply means that you are spending more than you are bringing in. If what you are earning cannot comfortably cater for house and car payments, insurance, other fixed costs and house expenses, then you cannot afford that kind of a lifestyle. It is even worse if you freely use your credit cards to pay for what your income cannot support. What happens is that debts start accumulating and accruing interest month after month and before you know it, you are swimming in debt with no way to escape.

Spending Without a Budget

According to a recent study, only 41% Americans use a budget. This means that most people cannot track their spending habits leave alone plan for the future. Without a budget and with several credit cards at your disposal, it is easy to spend your money uncontrollably and end up depending on credit as you wait for the next pay. The repeated cycle leads to failed repayments which consequently increases the outstanding debts.

Job Loss or Reduced Income

Having a job gives you the confidence to use credit knowing that your income is able to cover the repayments. Should you unexpectedly lose the job, it becomes impossible to make your repayments which may also attract additional interests and penalty fees. Even if you end-up getting another job, it is possible that your credit card debts will have soared to levels that you may no longer sustain. Similarly, a pay-cut or reduced income may also make you lag behind on your repayments leading to accrued debts.

Unwillingness to Sacrifice

If you are deep in debt and you still fight to maintain the same life style, chances are that you will never repay your debts or worse still, they will keep increasing. The ability or inability to save for debt repayments may depend on your willingness to forego a few things like holidays, cable, birthday gifts, a big house and a luxurious car among others. The question is; are you willing to make the sacrifice?

Struggling to Keep up Appearances

It is just human nature to want to fit into certain statuses set by the society, family, friends etc. In an effort to fit, you may end up spending beyond what you can sustain with your income. Unfortunately, the demands may keep going higher and higher and unless you can tell yourself to stop, you will be up to your neck in debt within no time. The fact that you are keeping up appearances means that things are not good financially in the first place so unless you win a lottery or come into some huge cash, you will stay in debt for a long time.

Financial Illiteracy

In a quest to understand how financially literate the world is, people were asked 4 simple questions regarding risk, inflation and interest. Out of 150,000 adults from over 140 countries, only a third could answer 3 out of the 4 questions correctly. If you have no idea of how credit works, you keep on making mistakes that will increase your debts in the long run. Such include; late repayments, carelessly requesting for credit top-ups, and falling for the wrong lines of credit among others. This also comes with the inability to manage the credit hence leading to heaps upon heaps of debts.

Final Take

While it is normal for people to find themselves in debt at some point or another, not all of them end up paying. The reasons why many people stay in debt range from genuine ones to outright selfish ones. Debt accumulates little by little and before you know it, you are too debt ridden to do anything about it. On the other hand, with proper planning, a little sacrifice and commitment, it is possible to disentangle yourself from the debt cycle one step at a time.

Source: creditabsolute.com

Amazon Prime Day 2021: How to Get the Best Deals

In typical years, Amazon Prime Day falls in mid-July, perfectly placed to interrupt the midsummer retail doldrums.

But 2021 is not a typical year.

The ongoing COVID-19 pandemic continues to disrupt global supply chains in an echo of 2020 when Amazon temporarily refocused its energies on essential business lines like food and personal care products. Prime Day 2020 didn’t happen until October, ahead of a nasty second wave of the pandemic that upended global trade again.

To complicate things further, the arrival of reliable vaccines in early 2021 spurred millions of Americans to make ambitious summer plans. Many people who’d normally jump at the opportunity to capture once-a-year deals in July might not be anywhere near a computer at that time.

That could be why Amazon has decided to move Prime Day 2021 to June.

When Is Amazon Prime Day 2021?

Amazon Prime Day 2021 will take place on Monday, June 21 and Tuesday, June 22.

Be forewarned that Prime Day deals aren’t guaranteed to last the entire 48-hour span. When they’re gone, they’re gone.

Despite its new position on the calendar, Prime Day 2021 is shaping up to be no different from past Prime Days in at least one crucial respect: offering a vast array of attractive deals and discounts on sought-after consumer goods, household products, and small-business essentials.

In the past, Prime Day shoppers have enjoyed discounts of 50% or more on high-demand products. According to Amazon, Prime Day shoppers collectively saved about $1.4 billion in 2020, equivalent to 700 million pairs of socks.

This year, they’ll get in on the action early. Amazon has already announced a slew of pre-Prime Day sales that could be gone before the main event begins.

Best Amazon Prime Day Deals for 2021

What can shoppers expect from Amazon Prime Day 2021? Its Prime Day 2021 flyer offers some tantalizing clues.

The retail giant has already instituted some stealth price drops on popular items like the Fitbit Sense, Instant Pot multicooker, Apple products like iPads and AirPods, and Amazon-branded daily essentials like multivitamins and nonperishable food staples.

It’s also promoted specific early deals on the Amazon Halo wellness band ($69.99, down from $99.99) and the controller for Amazon’s all-new Luna gaming device ($48.99, down from $69.99).

Other early Prime Day 2021 deals include:

And on Prime Day 2021 itself? Prime members can look forward to a host of category- and product-specific deals like:

A general word of advice: Don’t wait to jump on specific Prime Day deals. Once inventory runs out, the deal is gone for good.

Tips to Prepare for Amazon Prime Day & Maximize Your Savings

Want to save as much as possible on Amazon Prime Day without impulse-buying items that you don’t really need? Careful preparation is key to a successful, budget-friendly Prime Day shopping experience.

That means becoming an Amazon Prime member (if you’re not one already), making and sticking to a concise shopping list, and using the proper payment method.

1. Join Amazon Prime

Prime Day deals are only for Amazon Prime members.

That means becoming a Prime member is an essential prerequisite for anyone with big Amazon Prime Day shopping plans — and anyone interested in taking advantage of the $119-per-year subscription’s considerable benefits during the rest of the year.

These benefits include:

  • Free two-day shipping on all eligible Amazon purchases
  • Free one-day or two-hour delivery on eligible purchases in select areas
  • Free no-rush shipping with bonus reward credits against eligible future Amazon purchases
  • Free grocery delivery through Amazon Fresh in select areas
  • Access to Amazon Prime Video’s library of thousands of movies and shows, including exclusive features and series not available anywhere else
  • Unlimited e-books through Kindle Unlimited
  • Unlimited access to more than 2 million digital songs through Amazon Music
  • Free games, in-game content, and subscription to Twitch.tv through Amazon Gaming
  • Exclusive savings (and delivery in select cities) from Whole Foods Market
  • Deals and discounts up to 20% on select products (such as diapers) through Amazon Family

If you’re a first-time Amazon Prime subscriber, opt into the 30-day free trial right before Prime Day. If you’re not satisfied with the service, you can always cancel after Prime Day and before the trial expires, paying nothing for the trouble.

That said, Prime membership is definitely worth the cost for frequent Amazon shoppers able to take advantage of its content and delivery perks.

For additional savings, read up on more tips to save shopping on Amazon.

2. Familiarize Yourself With Last Year’s Deals

Use actual examples from last year to familiarize yourself with the sorts of deals Amazon is likely to offer on the big day.

For example, CNET highlighted a slew of deals on electronics and home goods, some of which remain available (albeit at different price points) in 2021:

Prior-year availability won’t predict with 100% accuracy what Amazon has up its sleeve this year, especially in light of the ongoing pandemic-related supply chain disruptions that delayed Prime Day 2020. But it can and should form the basis of informed guesswork.

3. Set a Reasonable Shopping Budget

Next, set a reasonable Prime Day shopping budget. It’s essential you do so before compiling your shopping list. Otherwise, the temptation to overspend on things you desperately want but don’t need becomes too powerful to resist.

As you likely know from budgeting for Black Friday and Cyber Monday, your retail holiday budget — in this case, your Prime Day budget — should fit neatly into your larger discretionary budget. Avoid the temptation to use Prime Day as an excuse to expand it.

For example, if you typically earmark $500 per month to spend on luxuries or nice-to-haves like restaurant meals and electronics, don’t spend $700 on Prime Day.

In fact, unless you’re willing to go without any other luxuries that month, you need to spend considerably less — perhaps $250 or $300 in this example.

4. Make & Stick to a Needs-Based Shopping List

Making a list is a vital step to take ahead of planned shopping events of any significance, not just Prime Day. The objective is clear: avoiding impulsive purchases you don’t need and could regret in hindsight.

Using clues gleaned from prior Amazon Prime Day deals, your list should include everything you both plan to buy before the end of the year (or, if you prefer and your shopping budget allows, within the next six months) and those reasonably likely to be discounted on Prime Day.

On Prime Day, stay disciplined and condition your purchases on value. If a particular item on your list isn’t discounted for Prime Day, don’t buy it. You’ll likely find better deals later in the year.

5. Use a Browser Extension to Find a Better Deal

Before Amazon Prime Day 2021, add Capital One Shopping, a free browser extension that automatically searches competing merchants’ inventories for a better price when you shop Amazon.

If Capital One Shopping can’t find a better price elsewhere, simply complete your Prime Day purchase as planned. If another retailer has a better price, shop with them instead.

Capital One Shopping isn’t the only browser extension that can save you money on online purchases you’d make anyway. It’s one of the best around, but legitimate and potentially lucrative alternatives abound.

Capital One Shopping compensates us when you get the browser extension using the links provided.

6. Ask Alexa for the Best Deals

Fair warning: This is an easy way to blow through your Prime Day budget. But it’s also incredibly convenient.

If you have an Alexa-enabled device like the Echo Show 5, wake up early on June 21, 2021, and pop the question: “Alexa, what are my Prime Day deals?” Just resist the temptation to purchase them all in one go.

7. Shop Early

Amazon makes no guarantees that any given Prime Day merchandise will remain available for the event’s duration. Quantities are always finite, and unexpectedly high demand for specific products could cause certain deals to sell out sooner than expected.

Your best bet is to shop early, logging on right away on Prime Day morning and getting as much of your shopping list out of the way as possible before the day begins.

You can always return later to complete your list or take advantage of last-minute deals (known as lightning deals) as your budget allows.

8. Look for Prime Day Badges

If you happen to be browsing Amazon anyway during the Prime Day period, look for the little blue badges denoting Prime Day deals. These highlight limited-time opportunities that aren’t likely to remain after June 22.

9. Download the Amazon App for Mobile Purchases

Amazon’s main website works just fine on desktop and mobile devices, but don’t overlook its user-friendly app.

The app is especially useful for shoppers stuck at work during Prime Day’s peak hours, as many employers frown on workers shopping (or conducting any personal business at all) on work-issued devices.

Beyond the obvious perks of a crisper shopping experience in a smaller package, Amazon’s mobile app offers:

  • Voice-assisted shopping using the Amazon Alexa assistant
  • Real-time order tracking and notifications
  • Direct chat support from Amazon’s customer assistance team
  • Single-tap shopping with your smartphone camera

10. Use a Rewards Credit Card (Preferably the Amazon Prime Rewards Visa Signature Card)

The Amazon Prime Rewards Visa Signature card is the best cash-back credit card for frequent Amazon patrons, period. Its three-tier cash-back program earns:

  • 5% cash back on qualifying Amazon and Whole Foods purchases with an eligible Prime membership
  • 2% cash back on eligible purchases at gas stations, restaurants, and drugstores
  • 1% cash back on all other eligible purchases

If you’re not an Amazon Prime member, the otherwise identical Amazon Rewards Visa Signature card earns 3% cash back on Amazon and Whole Foods purchases.

Of course, Prime Day sales are for Prime members only, so you must become a Prime member before the big event. But if you already have the Amazon Rewards Visa Signature card, you don’t need to reapply for the Prime Rewards card — the upgrade is automatic and immediate.

But if you have no interest in applying for an Amazon card or don’t qualify, use one or more of these Prime Day-friendly credit cards if you can:

Final Word

Amazon and Whole Foods aren’t the only retailers worth patronizing on Prime Day. Many big-name sellers — Walmart and Target among them — slash prices to compete with Prime Day deals and offer price-match guarantees that may cover Amazon Prime Day deals (though be sure to read the fine print on these policies carefully).

If you play your cards right, your Prime Day shopfest could turn into a multi-retailer blowout that saves you hundreds on purchases you planned to make anyway while supporting your favorite non-Amazon merchants. Talk about a great way to get everything you need for less.

You can make your purchases count by joining the Amazon Smile program before the big day. Shop through the Amazon Smile site — not Amazon’s main site — to ensure Amazon donates 0.5% of eligible purchases to the charity of your choice.

You can also purchase actual products to give to thousands of registered Amazon Smile charities using the Charity Lists feature. It lets you buy frequently needed products, such as paper towels and cleaning supplies, preselected by participating charities, which are then shipped directly to them, putting your dollars to work right where charities need them most.

Source: moneycrashers.com

Top 4 Things I Love About Dave Ramsey Baby Steps (And 4 Things I’d Change)

Dave Ramsey has helped thousands of people around the world through the 7 Baby Steps for financial peace and freedom.

The process works.

His book titled the Total Money Makeover has had some impressive sales numbers. The book has sold over 5 million copies and has been on the Wall Street Journal Best-Selling list for over 500 weeks. (That data is from August 2017, over 4 years ago, so it’s sold more by now.)

So, we know that the 7 Baby Steps work. There’s a lot to love above the process, and we will address 4 of those attributes here. We will also cover 4 things that we think could be updated this year (as it has been almost 30 years since the Baby Steps were created).

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7 Baby Steps really do work. There are three great reasons why the plan actual works:

a. The Baby Steps Force You To Get Gazelle Intense When It Comes To Paying Off Debt

I’ll mention this later, but I really appreciate that Dave Ramsey keeps the emergency fund smaller to force you to be gazelle intense. Having such a small emergency fund of $1000 really does force you to get out of debt faster because having too much money in the bank can cause you to stagnate. 

b. Dave Strongly Encourages Your Behavior Modification

Too many financial gurus don’t give it to you straight. They may tell you that you need to invest in real estate or cryptocurrency.  It often feels like a lie that you can achieve financial freedom without putting in a lot of work.

Dave Ramsey comes off as blunt many times, but he forces people to confront that the debt is often our fault (with some exceptions). His bluntness, along with the Baby Steps, forces you to self-reflect.

c. The Plan Is Simple And Shows How You Need To Focus On One Step At A Time

I’ll mention this more below, but it’s evident that his focused intensity on the Baby Steps plan helps you stay focused on the task. You complete the first 3 steps consecutively and the following 4 steps concurrently in a prioritized order. 

You don’t have to multitask. Also, you don’t need to think about another step. You just need to focus on the step at hand.

2) Dave Ramsey Is Right That You Need A Plan

Dave Ramsey has many helpful quotes. One of my favorite of Dave Ramsey’s quotes is, “You must plan your work and then work your plan”. 

Too often we go through life without a plan, but we expect that everything is going to work out just fine. I remember the first time I budgeted.  I thought that I spent a certain amount of money on eating out each month, only to realize that number was much higher.

We need plans. It could be a debt payoff plan to stay on top of your debt. It could also be a budget to understand your income and expenses. Or it could be a plan to pay off your home early as per Baby Step 6.

Dave Ramsey understood that which is why the Baby Steps plan is so useful. You stick to the plan and you get out of debt. Voila.

3) The Baby Steps Get Progressively More Challenging

One thing I noticed early was that the Baby Steps seems to get progressively more challenging. This helps build momentum. It is much easier to save $1000 than to pay off your house early. By starting and taking baby steps, the baby steps themselves actually don’t feel very babyish. 

Paying off your home early per Baby Step 6 feels much more like a big kid step, but it’s still just a Baby Step like the others. It’s impressive how Dave structured these baby steps.

4) The Community Around Dave Ramsey Baby Steps Is Incredible

You don’t have to look far to realize that the community around Dave Ramsey is incredible. You can take a Financial Peace University class at your local church. These classes are excellent to encourage you and help keep you accountable while you eliminate debt. You’ll learn the baby steps inside and out with others in your community. 

You can also be a part of a vibrant Dave Ramsey Facebook Community. Personally, I am a part of many of these communities where I receive a ton of encouragement when sharing wins and losses in the process of debt elimination.

There’s a lot to love about the Dave Ramsey Baby Step method.

Now, let’s cover a few things that could use a refresh.

1) Can Creating A Budget Be Baby Step #1?

I am a budget fanatic. I would love to see a Baby Step dedicated to budgeting. Why? Because budgeting helps you understand where every dollar goes. I used “every dollar” like that on purpose because Dave Ramsey himself created a budget app called EveryDollar for that very purpose.

What better way to understand how much money you have to put towards your emergency fund than starting with a budget.

I am not sure why Dave doesn’t start with a budget, but I would be keen to start the Baby Steps with creating one.

2) Dave Ramsey’s Emergency Fund May Need A Refresh

Dave Ramsey’s emergency fund calls you to save $1,000 in Baby Step 1. Is $1,000 enough? It really depends. 

First, adjusted for inflation, $1,000 in 1990 is now worth $2,043.26 per the US Inflation Calculator.

Dave Ramsey's emergency fund needs to be larger due to inflation

There’s a plethora of questions you can ask yourself when considering whether the emergency fund is big enough, such as:

  1. How much debt do you have to pay off?
  2. Do you own a home?
  3. How old is your car?
  4. How many kids do you have?
  5. Do you have insurance?

Another question I like to ask is, “where do you live?”. Personally, my family and I live in the Bay Area, California where the cost of living tends to be quite high. $1,000 wouldn’t get us very far.

3) Is The Snowball Method The Best Way To Pay Off Debt?

As a refresh, the debt snowball method means that you line up your debts from smallest to largest and pay your monthly extra to your smallest debt first then snowball into higher debts. The debt avalanche method is where you line up your debts from the highest interest rate and use your monthly extra to pay off the highest interest first. The savvy debt method is where you pay off 1-2 of your smallest balances first via snowball before reverting to the avalanche method to save the most in interest.

Dave Ramsey loves the debt snowball method. It has worked for many people, so why wouldn’t he? He feels the opposite for the debt avalanche where he mentions that it doesn’t work.

The challenge is that you could lose thousands in interest if your smallest debts also have the smallest interest rates. This can be possible because higher debt amounts carry a higher risk to the lenders, meaning potentially higher interest rates.

You can see how much the snowball method loses in comparison through this debt payoff calculator which compares interest paid from snowball to savvy methods. For reference, we are comparing 4 debts: $23,000 at 22%, $18,000 at 19%, $12,000 at 9% and $8,000 at 7% interest rate. The monthly payment is $1,825.00

debt snowball versus other debt payoff methods

In this example, you would lose over $3,500 in interest by choosing the snowball method.

Does that mean that the snowball method is always worse? Absolutely not. The snowball method may provide the psychological benefit that you need to exterminate your debt.

You choose the debt payoff app and debt payoff method that is best for you.

4) Should You Follow Dave Ramsey’s Advice And Pay Off Your House Early Or Invest?

Dave Ramsey loves mutual funds and paying off your home early. My question is what if your mutual funds are making so much more in interest than paying off your home would save you?

Wouldn’t the prudent thing be to continue to pay off your home and then get the higher interest from investing in mutual funds?  It’s not a one size fits all solution, but it is something to consider.

There are also often benefits of not paying off your home early such as interest paid being tax-deductible. That said, you would really need to determine whether you would make more money from mutual funds than saving from interest payments to determine what’s best for you.

What Do You Think About The Baby Steps?

The Dave Ramsey Baby Steps have helped thousands around the globe. What do you like about the Baby Steps? Do you agree or disagree with what we would change in 2021?

4 things I love about Dave Ramsey's baby steps and 4 things I'd change

Top 4 Things I Love About Dave Ramsey Baby Steps (And 4 Things I'd Change)

Source: biblemoneymatters.com

How to Maintain a Good Credit Score in College

College life brings a host of new and exciting experiences in the various aspects of your life. Financial independence and responsibility also come to play. While your achievements are important in putting you in your right career path, a good credit score is paramount in bettering the deals you will get when renting or buying a home, purchasing a car, getting a cellphone plan, applying for a student loan or in some instances, getting employment.

This calls on your effort to not only build but also maintain a good credit. It may sound complicated and intimidating especially when you don’t know how to go about it. Below, is all you need to know on how to maintain a good credit score in college.

Good Credit in CollegeGood Credit in College

Taking Advantage of your Parent’s Good Credit

This is commonly referred to as ‘piggybacking’. It allows people with bad or no credit to enjoy a spillover of other people’s good credit. It is a great way of establishing and maintaining your credit especially if you need a little help in managing your budget. For you to qualify for this, you have to become an authorized user of your parents’ accounts.

This comes in handy especially if you can’t get your own credit card; according to Oct 1st 2013 Credit Act report, students and other persons below 21 years of age cannot get their own credit cards without proof of income or at least a co-signer. Apart from the credit boost you get from your parent’s account, your credit card use is forwarded to credit bureaus in your name.

Get the Most Suitable Credit Card

Your ability to qualify for a credit card opens you to the opportunity to choose from a variety of cards. You should research and shop around to find out what these cards have to offer before making your choice. Some of the benefits to look out for include low interest rate, no annual fees, convenient credit limits and other competitive incentives.

Better still, you can opt for student credit cards. These come with incentives such as cashback rewards, limited credit history requirement, no annual fees and 0% introductory APR among other benefits. Your own credit card comes with sole responsibility. This means that it’s up to you to stay on top of your billing statements so as to improve and maintain a good credit

Always Pay your Credit Balance

Your payment history accounts for 35% of your credit. Good credit of course depends on timely and full payment of your balance. Inability to pay or late payment may attract additional interest, accrue more debt and negatively affect your credit.

This can take a long time to repair. Besides this, it is also a sign that you are living beyond your means. Ideally, your credit balance should be about 30% of your credit limit or below.

Tip: The higher your credit balance in relation to your limit is, the worse your credit becomes.

Pay your Bills on Time

Late or failed payment of rent, utility bills, parking tickets, library or school fees and other payments can harm your credit; especially is if they are sent to collection agencies and reported to credit bureaus. Ways of beating this include setting up payment reminders and electronic billing. You can also organize for auto payments with your bank to ensure that timely payments are done.

If you live in an apartment, you might get credit for full and timely payments. You can take advantage of eRentPayment which transfers your payment reports to the three major credit bureaus; Experian, Equifax and TransUnion. This consequently improves your credit. However, your landlord needs to be registered and the lease needs to be in your name.

Limit Applications and Inquiries for New accounts

Numerous credit inquiries negatively impact your credit score. In the event that you need to make new credit applications that warrant hard inquiries, concentrate them into period of 14 days in which they will factor as one inquiry.

Once you decide to get a credit account, get all the facts right to avoid the urge to close and open others every now and then. Short credit histories with several new accounts are seen as riskier compared to a few accounts with long credit histories. When you close a credit card, you not only lower your available credit but also shorten your credit history both of which can reduce your score.

In a Nut Shell

Maintaining a good credit score in college is important if you are going to get any good deals in personal credit in the future. This requires vigilance on your part to ensure that you do not do anything that can have negative impact on it. When all is said and done, it all comes down to personal financial responsibility.

Source: creditabsolute.com

What is a balance transfer and how do they help?

What is a Balance Transfer Title Image

A balance transfer happens when you move your debt
from one or more sources to a single credit card with a lower interest rate. By
paying less interest, more of your payment goes toward the principal balance.

Balance transfers aren’t always the best way to get debt relief, however. You should carefully consider the benefits and downsides to balance transfers before initiating the process.  

How a balance transfer works

With a balance transfer, you transition the amount you owe from one card
to another. You can also move other types of debt to a credit card. For
example, some issuers may allow the transfer of auto and personal loans.

Here are the five steps to completing
a balance transfer.

1. Choose a
balance transfer card:
You can either open a new credit card for the transfer or
transition your debt to a card you already have. Look at interest rates,
balance transfer fees and other terms to make the best choice.

2. Decide on your transfer amount: Look at the credit limit you have and ensure the balance will be less than your limit. Ideally, the transfer is much lower than your credit limit and lowers your credit utilization ratio in the process.

You’ll also want to look at balance transfer fees,
which are usually around three percent of the amount you’re transferring. Some
cards also have limits on transfer balance amounts. Check your card details
carefully.

3. Review the
terms and conditions:
Make sure you’ve read all of the terms, fees and official
agreements before transferring the balance. While the fine print can be
lengthy, you need to know exactly what it is you’re agreeing to.

4. Initiate the transfer: There are a few different ways you can initiate a transfer—through your credit card’s online account, or calling the customer service line of your credit card company, for example—but how you do so will depend on the policies of your credit card company.

5. Pay off your debt: Make monthly payments toward your balance transfer. Create a plan to pay your debt off within the introductory period, so you don’t have to pay any interest on it.

Balance Transfer Process Image

How a balance transfer affects credit score

Balance transfers can either improve or lower your
credit score, depending on multiple factors. Here’s how:

Your credit utilization rate: If you’re able to pay off more of your debt due to the lower interest rate, your credit score will improve. By paying off debt, you’re using less of your available credit, which lowers your credit utilization ratio.

Making on-time
payments:
Paying your credit card bill on time boosts your credit
score, as payment history is the most significant factor in scoring models like
FICO®. Balance
transfers can help in this area if the transfer makes it easier to pay.

Number of hard
inquiries:

Your credit score takes a hit when you apply for several credit cards at once
because they each trigger a hard inquiry.

Hard inquiries aren’t bad in and of themselves and are a necessary part of applying for credit. That being said, if you have a large number of hard inquiries on your credit report within a short time frame—if you apply for many credit cards at once, for example—it signals to lenders that you may not be responsible with your credit.

Average age of credit: Your credit score is also based on the average age of your credit. It would be more beneficial to your credit to keep your old accounts open even after you’ve transferred the balance. This will increase the average age of your credit accounts. More open cards also help keep your credit utilization rate low.

Credit Factors Balance Transfer Affect Image

When to consider a balance transfer

A balance transfer can help you pay off debt faster
and pay less overall. Here are the main scenarios when a balance transfer can
help.

You have debt with a high-interest rate: If you have a credit card—or many cards—with high-interest rates, it may be good to transfer the balance to a card with a lower rate. By lowering interest, you’re able to pay more toward the principal balance and pay off debt faster.

It’s difficult
to juggle multiple payments:
You can combine debts by transferring them all to a single
card, which will allow you to only have to keep track of one payment every pay
period.

You can get a good promotional offer: Many credit cards offer low or no interest rates during the introductory period (usually six – 18 months). By transferring your debt, you can save money in the long run.

How to choose the best balance transfer card

Balance transfer credit cards compete with other
credit cards by offering good introductory APRs (annual percentage rates) to
attract new cardholders. Generally, the better your credit, the more options
you have for low introductory rates and no transfer fees.

Here are a few other things to consider when shopping
around.

Balance
transfer fee:
A fee for transferring a balance is common. It’s usually about three
percent of the balance amount (like we stated above). If you have a good credit
score, it’s possible that the balance transfer fee might be waived entirely.

Interest rate: Interest rates vary
significantly between cards. Some promotional incentives may offer introductory
zero percent APR. However, be sure to look at what the APR is after the
introductory period, in case you don’t pay off all your debt in that timeframe.

Length of
promotional period:
The introductory promotional period for balance transfers is
usually six – 18 months. A longer promotional period allows you more time to
pay off the debt before a higher interest rate is applied.

Annual fee: Some cards charge a fee each
year to keep the card active. Be on the watch for high annual fees.

Credit limit on
a new card:
A
higher credit limit can help you maintain a lower credit utilization rate. If
you’re transferring a balance, make sure your credit card limit far exceeds the
balance you’re transferring.

Basic requirements: It’s best to apply for a card that you have a good chance of being approved for. When you apply for a credit card and aren’t approved, the hard inquiry will remain on your credit report. As we said above, too many hard inquiries occurring in a short time period can lower your credit score.

Key Balance Transfer Card Features to Compare Image

Generally, if the amount you save with a lower interest rate is higher than the balance transfer fee, it may be worth transferring the balance. It’s also ideal if you can pay off the balance during the zero percent interest period, and avoid paying interest on any of your debt.

What to do after you’ve transferred your balance

After you’ve transferred your balance, there are a few
things you can do to improve your credit score and pay off your debt.

Make timely
payments:

On-time payments boost your credit score. Any late or insufficient payments can
potentially invalidate lower interest rates and harm your credit score.

Note important
dates:
Set
reminders for when the introductory period ends. Any debt you don’t pay off
during that period will be charged with greater interest rates. You’ll also
want to make sure you complete the transfer within the given timeframe.

Create a plan
to pay off debt within the zero percent timeframe:
Design a budget that works for you to
pay off your debt, ideally within the zero percent interest timeframe. This
might include scaling back on expenses or picking up extra shifts at work. In
the long run, it could save you quite a bit.

Don’t make purchases on your new card: When you make a payment, the funds go to your purchases first, then your transfer balance. Try to use a different method of payment to make purchases, so your credit card payments only go toward your older debt.

Keep your old cards open: By keeping other cards open, your total available credit limit is higher—meaning your utilization ratio is lower. Having older cards also increases the average age of your credit accounts.

Why you should check your credit report after a balance transfer

Mistakes sometimes happen when there is a lot of
activity on your credit report, such as data errors and information that should
no longer be on your report.

These inaccuracies can unfairly affect your credit score. For example, some of your credit reports might not reflect the balance transfer properly. Credit repair can help you review your report, identify errors, and work to correct—giving your credit score a boost. Contact the credit repair consultants at Lexington Law to learn how we can help you.

Source: lexingtonlaw.com

How to Save Money on Wedding Photographers & Videographers

According to The Knot, the average cost of an American wedding was about $28,000 in 2019. Wedding photography and videography account for $2,400 and $1,800, respectively, or about 15% of the total.

Professional-grade wedding memories are expensive. If you’re fretting about how you’re going to pay for them, use these tips for getting cheap (or at least cheaper) professional wedding photography and videography to help save money on your wedding.

How to Save on Wedding Photographers and Videographers

Use these tips and tricks to reduce the cost of a professional wedding photographer or videographer without sacrificing the quality of the finished product.

1. Set Up a Photography and Videography Registry or Fund

You’ve heard of a wedding gift registry. Why not open a separate wedding media registry through which guests and apologetic no-shows can chip in toward your photography and videography costs? Some high-end photography and videography studios offer this service directly, or you can go the DIY route and launch a crowdfunding campaign on a crowdfunding site like GoFundMe.

DIY registries or funds offer more control over contributions. For instance, you can expand them to include general wedding and post-wedding expenses. They’re a straightforward option if an affordable honeymoon is a top priority.

Plus, if guests contribute to your media registry or fund in lieu of gifts, you don’t have to devote as much energy to regifting, returning, or selling unwanted gifts online after the big day.

2. Tap Your Personal Network

If you want your official wedding photos and videos to look truly amazing, you don’t want to give the job to a random guest whose top qualification is an above-average Instagram account. But you may know or know someone who knows professional or qualified amateur photographers and videographers capable of producing professional-grade material.

Depending on the strength of your connection, you may be able to secure a friend or family discount for those services, even if they’re already established as professionals in your area. The depth of this discount is sure to vary, but in my experience, 5% or even 10% off full price isn’t unreasonable. For instance, we worked with my wife’s former classmate, who’d recently established a professional photography business with her husband. They gave us a small discount and didn’t charge for travel to and from the reception site, as was apparently customary for other jobs in their rural hometown.

Qualified nonprofessionals or rising professionals, such as recent film or visual arts school graduates without practices of their own, may be willing to work for even less, especially if they’re able to build their profile or meet new prospects as a result. Just make sure they have adequate equipment, enough help, and enough prior experience to pull off a big job. As with anyone you hire, check out their previous work first.

3. Get Multiple Quotes to Compare Pricing and Service

When buying a car, you don’t jump at the first offer you see. You compare multiple offers for comparable vehicles, weighing the relative pros and cons until you arrive at an informed decision you’re reasonably confident you won’t regret.

The scale of your wedding media investment might be smaller, but your decision’s consequences echo even further into the future. Spend as long as it takes thoroughly researching photographers in your area and requesting quotes (if they don’t provide pricing upfront) from all who seem in line with your general tastes and budget.

You can jump-start the research process by attending a wedding fair near the area you plan to get married. They typically occur before the wedding season begins and can attract hundreds of service providers (including photographers and videographers) from miles around.

4. Check References

Once you’ve narrowed your choices to a few finalists, thoroughly check them out, just as you’d run a Carfax report on a used car before buying it from a random person (or a sketchy dealership, for that matter). Read online reviews, evaluate their posted work, and connect with people who’ve recently used their services. And don’t be afraid to ask them directly for references.

Though checking references can’t reduce the final cost of your wedding photography and videography, it can increase the chances of satisfaction. You can’t do your wedding over. Paying a bit more for wedding media you love is an investment in the fond memory of what’s hopefully one of the happiest days of your life.

5. Get a Personal Use Release

Your wedding photographer and videographer is almost certain to keep the copyright to your media, meaning you can’t use your wedding photos or videos for your own commercial purposes. But most photographers and videographers readily agree to personal use releases that allow clients to reproduce photos and videos for personal use, sharing among friends, and posting on social media.

If your provider’s contract doesn’t explicitly spell that out, ask them to add it. And think twice about working with any provider who says no. A personal use release removes any doubt about your ability to order reprints or copies in the future, ideally from a discount merchant (such as a drugstore) that charges much less than your photography or videography studio.

6. Stick to a Lower-Priced Package

Most wedding photographers and videographers offer basic packages like ceremony coverage plus pre-reception wedding party shots. These packages include fewer add-ons and frills, such as gratuitous shots of the bride in their wedding dress and personal shoots for bridesmaids. In some cases, their standard arrangement covers just the shoot itself plus an online gallery or image DVD.

By providing just the bare essentials and giving you the flexibility to choose how (and whether) to order additional products, such as bound albums or wall prints, the basic package gives you greater control over your total photography and videography costs. It also allows you to spread your investment over a longer period.

And if you choose to order additional products later, you can likely do so at a lower cost online or at a brick-and-mortar photo shop provided you have a personal use release.

Photography and videography package costs vary tremendously by factors such as provider quality and reputation and geography. Louisiana’s Love Photography is an excellent example of the often vast discrepancy between basic and deluxe photography packages. Its basic package costs $999. The next-highest package costs $1,320, and the most expensive package costs $2,945.

7. Look for Professional (but Less Established) Independents

If your wedding media’s quality is even a remote concern, resist the temptation to source an unvetted amateur from Craigslist or your wedding guest list, no matter how tight your budget. You’re more likely to be disappointed with the results.

But it is possible to find professional-grade work at nonprofessional prices. Up-and-coming photography and videography professionals are often willing to work for less than what more established professionals charge. They’re frequently just out of school or ready to move up from assistant roles and launch their own independent businesses. The best place to find them and verify their credentials is on reputable job boards like Indeed and freelance job websites like Upwork.

8. Book Early

Not all wedding photographers and videographers offer early-bird discounts, but it never hurts to ask. Just be realistic about what early means in the world of wedding planning, which is probably no later than six months before the big day. Make a point to reserve your wedding photography and videography around the same time you book your wedding venue if you’re not arranging them through the same vendor.

9 Ask for an Off-Peak Discount

Many people get married on Saturdays. If you’re willing to buck the crowd and organize a weekday (Monday through Thursday) wedding, ask photographer and videographer candidates for an off-peak discount. Depending on local customs and the providers’ whims, it’s not unreasonable to expect a 10% or 15% discount off the final bill for a midweek shindig. For example, our engagement photographer, who also did weddings, cut 15% off her bill for Monday-through-Thursday weddings.

The same principle applies to off-season weddings in regions with sharply defined wedding seasons. If you’re scheduling a February wedding in Boston or Chicago, it never hurts to ask for a discount. But winter weddings are increasingly popular, so don’t be surprised by a refusal. There are other potential financial benefits to weekday and off-season weddings too, such as venue and catering discounts.

10. Ask for Referral Discounts or Credits

Don’t be shy about asking your photographer or videographer for referral discounts or credits. Many professionals readily offer kickbacks, either as a discount to the final service bill or credits for future orders, to current or prior customers who refer new business.

You don’t have to shill for them at your wedding, but if you know anyone who’s planning their wedding, you can suggest your photographer or videographer.

It works in the other direction too. If friends refer you to their wedding media provider, you may qualify for a discount. Discounts and credits vary by factors such as vendor and location, but $25, $50, or even $100 isn’t outside the realm of possibility. For example, our engagement photographer offered $50 off for referrals who purchased photography packages.

11. Look for Custom Packages

In the rush to get ready for the big day, it’s easy to surrender to the simplicity of preset photo or video packages, which tell you precisely what you’re getting and how much it’s going to cost. However, preset packages often include unnecessary services or add-ons, and providers aren’t always willing to customize on the spot.

To avoid paying more than you should, look for providers that offer custom packages. These packages typically have minimal conditions. For example, you can choose how many hours the provider works on your wedding day, and you get all your images in electronic format. But beyond that, the services rendered and deliverables (such as albums) are up to you.

Larger custom packages sometimes qualify for discounts. For instance, Atlanta-based Amanda Summerlin Photography, a high-end photography studio, knocks 5% off custom packages of $3,900 or more, 10% off custom packages of $4,600 or more, and 15% off custom packages of $5,700 or more.

12. Book Photography and Videography With the Same Provider

Not all photography studios offer videography services, nor vice versa. But if you choose a provider capable of shooting professional-grade photo and video, look into combined photography and videography packages, which can cost hundreds of dollars less than separate photography and videography jobs.

13. Avoid Nonlocal Photographers and Videographers

Unless you’re having a destination wedding in a remote area, avoid working with nonlocal providers. Out-of-area photographers and videographers often add mileage or airfare to the cost of their services, potentially raising the final bill by hundreds of dollars.

Even if your provider doesn’t explicitly add travel costs to your final bill, they’re likely built into its margins, and your total cost is therefore likely to be higher than what a comparable local provider would charge.

14. Work With Venue-Preferred and Recommended Providers

If you’re planning your nuptials at a wedding venue that’s accustomed to hosting weddings, inquire about preferred or recommended photographers and videographers.

Some venues have a de facto referral system. The venue drives business to favored vendors, who then offer discounted services or special packages. Some larger venues even have staff photographers and videographers that work closely with onsite wedding planners and build their fees into the total cost of the event. Further, such providers are likely familiar with the specific venue and already know the best sites for shots.

15. Limit Your Photographer’s and Videographer’s Hours

Some photographer and videographer packages include a specific number of hours of coverage, usually four to seven. Before hiring your provider and choosing your package, determine how long you need them to be present.

You probably want to capture high points like the walk down the aisle, exchange of vows, post-ceremony procession, and cake cutting, but do you really need professional shots of the rehearsal dinner, the bride getting ready, distant family members, or the later stages of your reception party?

Choose your package accordingly, and don’t be afraid to ask for modifications. For example, if you don’t need reception photos or videos at all, your provider may be willing to bail right after the customary post-ceremony wedding party shots.

16. Limit Your Photography and Videography Staff Size at Smaller Weddings

It isn’t always possible with larger or logistically complex weddings with multiple shooting sites or challenging conditions. But if you expect fewer than 75 guests at your wedding and plan a relatively traditional ceremony and reception, your provider may be willing to send only a lead photographer or videographer, forgoing the assistants and interns who often help with setup, shooting, and equipment-ferrying at larger events. Depending on the provider, that could reduce your service bill by a few hundred dollars.

17. Order Fewer, Smaller Finished Photos

Because they’re easier to frame and look better on display, larger wedding pictures typically cost a lot more than wallet-size or small frame-size (4-inch-by-6-inch or 5-inch-by-7-inch).

If you place a finished photo order with your photography studio, stick to the smaller sizes or purchase only a few larger photos for display in your home. Resist the temptation to send a large framed photo to every member of your wedding party or aunt and uncle who made it to the ceremony.

If you do want larger photos down the line, you can use your online proofs to place an order with a discounted service or buy from your provider when your budget has recovered from the trauma of the wedding.

18. Lose the Leather Binding and Hard Pages

Wedding photo albums are pricey — really pricey. When purchased a la carte, high-end wedding albums (think bound leather albums with rigid pages) can cost up to $1,000, according to Zola. Larger sizes are especially pricey.

While it’s nice to have a weighty tome of wedding memories to pull out for your houseguests and future kids, it’s possible to achieve similar results at a lower cost. Opt for a simpler magazine-style album with glossy, flexible pages. The quality of the quality is similar, as is the durability of the paper, which is critical if you plan to share your wedding memories with your children and grandchildren.

19. Don’t Order a Proof Book

Many photographers offer proof books, which allow you to review the photos they’ve taken and select your favorites before ordering your final prints.

The catch is that you often pay for the proof book too. Our wedding photographer advised us we’d pay an extra $100 if we wanted a proof book. We told her to skip it and send us a selection of digital files to review (for free). Unless you wish to keep the book in lieu of a bound album, you can do the same.

20. Crowdsource Photos and Videos From Your Guests to Create an Album or Folio

If you want a professional-grade memento of your big day, cutting out the photographer or videographer altogether isn’t a viable option. But you can still pair a less extravagant professional wedding package and fewer pro photos with a free or low-cost crowdsourced photo campaign.

Before the ceremony, either on your invitations or in your wedding program, invite your guests to snap photos or take videos with their smartphones and post them to social media or an online space.

Brides magazine has a comprehensive list of useful wedding photo-sharing apps, some more expensive than others. If you tell your guests to post photos to social media, give them a unique wedding hashtag to make it easy to find the photos. It’s usually some variation on the wedding couple’s names plus the year.

Make it clear they can be as creative as they please as long as they don’t disrupt the service. Or let the pros handle the wedding and invite the guests to get artistic at the reception.

If you worry about phones or photos getting lost in the shuffle, place disposable cameras on each table and ask patrons to place them in a designated box or bowl when the festivities are over. The results won’t win any awards, but they’re sure to be entertaining — and as time goes on, even poignant.

21. Pay With a Cash-Back or Rewards Credit Card

No matter what your final wedding media bill comes to, you can marginally reduce the sticker shock (and budgetary carnage) by paying with a cash-back credit card. Though wedding photography and videography rarely fall into favored spending categories, such as grocery store or gas purchases, they’re still good for the baseline earning rate.

For example, by paying your photographer and videographer with Chase Freedom Unlimited (unlimited 1.5% cash back on most purchases, including wedding photography and videography) or Citi Double Cash (unlimited 2% cash back) card, you can knock the final cost of a $2,000 bill down to $1,970 and $1,960, respectively.


Final Word

Professional photo and video services aren’t cheap. The Knot’s survey showed the average American couple spends more than $4,000 to document their special day when they opt for both.

Fortunately, your wedding day is probably going to be the high point of your professional media-buying career. Even if you and your spouse spring for newborn baby photos, periodic family portraits, and high school graduation photos for your kids, you won’t ever spend as much on photo and video as you do on your wedding day.

Source: moneycrashers.com

Pros and Cons of using Gas Credit Cards

The choice on whether to go for gas credit cards or use other financial tools at the pump is not an easy one. This cashless system is marketed as a convenient and easy way to fuel your car. That said; there are high rates and other limitations to contend with. To help you make an informed decision, here are the pros and cons of using gas credit cards.

Pros

Discounts on Purchases

Gas Credit CardsGas Credit CardsOne of the driving factors of having a gas credit card is the discounts associated with their use. With most of these cards you get to pay less per gallon than the fuel pump price. Considering the ever increasing gas prices, this cash backs can go a long way in saving you money which can go towards other purchases.

These programs are structured in a way that you get larger discounts during the first few months after card issuance. For example, the ExxonMobil fuel card offers 12 cents off per gallon for the first 2 months and 6 cents off thereafter.

Accumulating Reward Points

Another incentive to using a fuel card is the reward program. These are points per gallon that you accumulate with each gas purchase. A typical reward of 1 point per gallon gives the average American driver about 540 points yearly. This calculation is based on an estimate of 25 Miles/Gallon and 13,476mi which is the average annual miles per driver. Reward points can be redeemed once they accumulate to 100 and over. These can be used for gas or other needs like snacks and carwashes at select businesses.

A Hassle-free and Convenient Payment System

When using cash, one has to line up at the till to pay for gas. This can lose you precious time from your busy life. However with a gas card, all you need is to pull up at the gas station, fuel and swipe at the pump and in a few minutes you are back on the road.

Another plus on using a gas card is the convenience that it offers. This comes in handy because you may not always have cash to fuel your car. Just like other credit cards, you get billed at the end of the month for your purchases. This helps you in keeping track of your gas bill; essentially making you stick to your budget.

Cons

High Interest Rates

One of the major disadvantages of using a gas credit card is the high interest rates that they attract. On average they charge 24% on interest. That is 9 percentages points more than the average rate for all credit cards which is currently at 15% APR. A card whose balance is not cleared at the end of the month can end up accruing a sizable debt. This may be much more than the discounts and rewards can make up for.

Simply put, continued misuse of the card can lower your credit score. One of way to mitigate this is going for cards with a 0% introductory offer. This will at least cushion you for a few months as you get your gas budget in order.

Ease of Spending

When using cash, you can’t gas your car with more than what is in your wallet. A gas card on the other hand eliminates this ‘inconvenience’. However the card can lead to uncontrollable spending with total disregard to your budget.

Think of it this way; without gas money, you will probably have to do with public transport. This will unconsciously save you money when you are cash-strapped. But why would you go through the hassle if that small plastic card can fill up your tank?

Usage Limitations

If you depend on your credit card for all your fueling, you may find yourself with fewer options on where to buy. This is because the cards are mostly issued by gas stations to be used in their own branded outlets. This puts you at a disadvantage if you move or drive to a state where the brand doesn’t operate, or has few outlets.

Bottom Line

Gas credit cards are a convenient way of fueling your car. They come with reward points and can save you money via their discount programs. The advantages can however be diminished by high interest rates and the danger of overspending. It is therefore advisable to weigh both the pros and cons before you make your decision.

Source: creditabsolute.com

5 Ways to Deal With a Messy Roommate | ApartmentSearch

Angry girl scolding her messy roommateIf dishes are piling up in the sink and you’re having to step over piles of clothes that aren’t yours, it might be time to have an intervention with your messy roommate. We know these situations can sometimes get uncomfortable, which is why we’ve rounded up the best tips for dealing with your roommate so you can remain on good terms and cut through the clutter at the same time.

Five tips for dealing with a messy roommate

When it comes to how to deal with messy roommates, solid communication is critical. Even if they’ve managed to get on your last nerve, you need to treat your roommate with respect and have a clear ask for how to move forward and keep your relationship intact. The following are five ways to help you deal with this predicament without adding extra tension to the apartment.

1. Choose your battles wisely

Choosing your battles is all about being careful with the conversations or confrontations you initiate. Bringing up your roommate’s messy habits might be a delicate subject, so you’re wise to consider the time and place you address these issues (and how often, as well). There’s no need for either of you to live in a pigpen, but a single crumb on your couch probably isn’t too much cause for concern. Instead, save your time and energy for the messes that matter and then try to let go of minor inconveniences.

2. Communicate with clarity and kindness

Communication is essential to a healthy relationship, and the one you have with your roommate is no exception. With that said, communicating clearly and leading with kindness is always the way to go. In the same way, don’t ever assume why they’ve become so messy; it could be they’re going through something that’s got them down, and they’re not even aware of how it’s affecting your living space. That’s why it’s essential to approach your roommate respectfully and keep from pointing fingers or making accusations as you ask for what you need.

3. Discuss separate vs. shared spaces

Another great piece of advice is to talk about what’s appropriate in your apartment’s shared versus separate spaces. For example, you may not like it when your roommate leaves their stuff all over the dining table, but you can’t control how they keep their bedroom. As you’re discussing the ‘rules’ in each area of your home, try to avoid telling them everything they’ve done wrong (which can quickly put them on the defensive). Instead, frame the conversation in a way that makes them feel invited to help out and improve their routine.

4. Create a household chore chart

For anyone who did chores as a kid, you might be familiar with a household chore chart. Well, as far as chore chart ideas for adults go, this is perhaps the best way to make sure your space stays clean (and you don’t harbor resentment toward your roommate). Post your chart to the fridge or the backdoor — somewhere it’ll be easy to reference — and include all the daily or weekly chores that need to get done and by whom. To keep things as fair as possible, trade off who’s responsible for what, so the same person isn’t continually cleaning the sinks, toilet, etc.

What’s more, if it fits in your budget, you could even spring for an apartment deep cleaning service once a month, so there’s a little less for each of you to take care of on the regular.

5. Make time to do the cleaning together

If you decide to save a little money and forego the apartment maid service, why not coordinate your schedules so you can do the cleaning together? This activity (though not the most exciting) is likely to boost morale among you and your roommate since many people typically hate having to clean by themselves. So put on some upbeat music, grab the necessary cleaning supplies, and enjoy a bit of roommate bonding as you make your place shine.

Get a fresh start with ApartmentSearch

In the event you follow this whole list for how to deal with messy roommates and nothing seems to be working, it could be that it’s time for you to get a fresh start. The good news is, ApartmentSearch is here to help you find a new spot you can afford all on your own.

With ApartmentSearch, you can easily filter apartments by location, price, and amenities to tailor listings to your exact needs. There’s no reason for you to live in a never-ending mess; check out ApartmentSearch today, and get going on the next exciting chapter!

Source: blog.apartmentsearch.com