Weather you started out 2017 dreaming of a warm beach vacay or an emergency savings fund with actual money in it, there's no better time to get after your goals than February. Savings doesn't have to be a challenge, but by committing to one you'll to reevaluate and redefine what savings success means to you.

Homemade Lunch Challenge


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Everyone knows eating out at lunch is bad for your health and your wallet, but when everyone else in your office is heading out to grab a bite it's nearly impossible not to feel major FOMO. With most lunches racking up $10 bill, it's easy to spend $2,400 on lunch alone. So grab your work bestie and commit to a month of homemade meals. Your bank account will look a whole lot sweeter!

Homemade Coffee Challenge

If you're a coffee lover, the thought of replacing your favorite cup of joe with something brewed at home may sound impossible. A quick scan over your bank statements though can quickly reveal just how much that $3 cup is actually adding up. So skip the line and the extra pump of regret.

No Spending Challenge

Say goodbye to the non-essentials! By committing to the most daunting of spending challenges (literally, you spend no money), you'll be able to take a step back and survey where your money has been going. Often, the things we love are not the things we need. A spending challenge isn't permanent, but the lessons you learn along the way can lead to lasting change.

52 Weeks Savings Challenge

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The 52 week challenge makes it easy to save and watch your money add up. By gradually increasing your savings each week from $1 to $2 to $3, you'll save $1,378 by the end of the year. If you don't carry cash or are skeptical about your ability to commit to savings such a small sum of money each week, a rule-based app like Qapital can help you automate your savings so it all adds up.

Whether you try one or all of these challenges, you'll form new habits and be one step closer to achieving your money goals!

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Airbnb is a great option while traveling, but you should protect yourself from damage charges from unscrupulous hosts.

Airbnb offers an affordable option for people looking to be more comfortable as they travel.

However, there are downsides to staying in a host's home rather than a hotel. Whereas hotels are designed for constant streams of visitors and often have furniture built to last, at an Airbnb, you may be staying on old or cheap furniture that a host is using in order to maximize their profits.

And while most reputable hotels will have regular room inspections from staff to check for any wear and tear, Airbnb damage disputes are oftentimes he said, she said situations. If you are in an Airbnb and something breaks, there are a few steps you should take in order to ensure that you are not on the hook for damages out of your control.

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What Are NFTs?

Art Installation N°1 by Carlos Marcial. Rhett Dashwood / YouTube

If you're keeping tabs on the art and tech worlds, you've probably been hearing whispers about "NFTs" for the past month. Just over the past week they've entered the mainstream lexicon.

Twitter founder Jack Dorsey made the news for selling his first ever tweet. The app has been teasing paid subscription models and newsletter-like features, but tweets for sale is "the next frontier."

The 2006 tweet went up for auction as an NFT, and the current bid is $2.5 Million. But what does it mean to own that? Why would anyone want to? And what even is an NFT?

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Long gone are the days when the majority of Americans dreamed about owning a home with a white picket fence.

The traditional American Dream may be on its deathbed, but that doesn't mean a core component of the vision can't survive. It simply takes a diverse perspective. People can still believe they can attain their own vision of success in society with hard work, knowledge, and risk-taking. Investing in today's American Dream may literally mean investing money in our modern economy, starting with our infrastructure.

Real estate investing in particular is a lucrative method that can boost income and secure a better financial future for many. There's always risk involved, but the payoffs can far outweigh the uncertainty. Selecting solid financial investments is about confidence and competence. If you're looking for some advice on this kind of investment, here are a few savvy tips for new real estate investors.

Stick To a Specific Strategy or Niche

Real estate is a challenging sphere of the business world, one that requires several key skills: groundwork knowledge, networking, perseverance, and organization. True knowledge of the real estate market will come with time and experience, but it's a smart idea to select one area of the market and stick to it. This is the best way to attain in-depth familiarity with your specific niche.

First, choose a geographical area close by and then a niche strategy within it, such as house flips, rental rehabs, or residential or commercial properties. By doing so, you can become aware of current inner working conditions in the market and you'll have a better idea of how these trends may change in the future.

Be Vigilant About Viable Financing Options

While it takes money to make money, you don't have to use all your own money. A common misconception about real estate investing is that you must be wealthy to start off. This isn't straight fact, however. A majority of people can test the waters of real estate investing without a lot of initial cash in their pocket.

Aside from traditional financing options from banks and institutions, private lending options can be worthy solutions. Hard money lenders are popular, reasonable choices, and they tend to have fewer qualification requirements upfront. However, be sure to strategically choose a hard money lender to find the best possible fit.

Master the Art of Finding Good Deals

There may be hundreds of thousands of available properties for sale on the current market, but the bulk of them will never amount to the final money-making result you desire. Another great tip for new real estate investors is to use good math to estimate profit. Taking risks is part of the process, but you have the ability to analyze properties and use networking sources to find the greatest deal. You can't win every deal, but you can steadily work towards a thriving financial future.