money

As much as I tried to stay on top of my finances, my bills fall on the worst possible day - riiight before payday.

They can't be moved, and it used to make me feel like I'm just scraping by when it's really just an annoying schedule.

It seemed like my coworkers never ran into these issues, even though I know for a fact one of them has the same rent day as me, so one day I just asked him if he had a side hustle or something.

I was really surprised by his answer; he used an app called Earnin.

Earnin
Make Payday Today
No Mandatory Fees
Unlock Your Paycheck Now

I wondered if he was getting scammed, but he said it's not a loan - Earnin allows you to access up to $500 per pay period before payday.* He actually told me he thought I was using it, since we have the same philosophy that if you work, you should get access to your earnings asap. I am always complaining about it.

But there had to be a catch. I downloaded the app, where I was prompted to plug in my bank details and my work details. To sign up, you do need to have a steady income, so it doesn't work for freelancers.

I kept waiting to see if there were hidden fees*, but there really didn't seem to be. It's not a loan you have to pay back, and there are no interest fees. My employer wouldn't be notified.

When it came time to get my pay earlier from Earnin, I did have a moment where I thought I caught the app in a lie - but I was wrong. Every time you get paid, you have the option to tip the service, but it's never required (they have a pay-what-you-think-is-fair business model, which I also agree with).

Soon, I saw my $500 from my bimonthly check drop into my bank account a whole 2 days earlier. I wouldn't have to sit in the break room on Friday refreshing my account so I could pay my bills anymore.

There are other cool features like tipping yourself** to save up or cashing out faster*** if you need it; next time I run into an emergency, Earnin is the first place I'll go for cash.

I'm a part of the Earnin community now, and I have the freedom to get paid what I've earned when I've earned it. You do too.

Unlock Your Paycheck Now!


*Restrictions and/or third party fees may apply, see Earnin for details

**Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. Your Tip Yourself Account and any Tip Jars are not Savings Accounts. For more information/details visit Earnin

***Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection. Restrictions and/or third party fees may apply, see Earnin for details.

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As much as I tried to stay on top of my finances, my bills fall on the worst possible day - riiight before payday.

They can't be moved, and it used to make me feel like I'm just scraping by when it's really just an annoying schedule.

It seemed like my coworkers never ran into these issues, even though I know for a fact one of them has the same rent day as me, so one day I just asked him if he had a side hustle or something.

I was really surprised by his answer; he used an app called Earnin.

Earnin
Make Payday Today
No Mandatory Fees
Unlock Your Paycheck Now

I wondered if he was getting scammed, but he said it's not a loan - Earnin allows you to access up to $500 per pay period before payday.* He actually told me he thought I was using it, since we have the same philosophy that if you work, you should get access to your earnings asap. I am always complaining about it.

But there had to be a catch. I downloaded the app, where I was prompted to plug in my bank details and my work details. To sign up, you do need to have a steady income, so it doesn't work for freelancers.

I kept waiting to see if there were hidden fees*, but there really didn't seem to be. It's not a loan you have to pay back, and there are no interest fees. My employer wouldn't be notified.

When it came time to get my pay earlier from Earnin, I did have a moment where I thought I caught the app in a lie - but I was wrong. Every time you get paid, you have the option to tip the service, but it's never required (they have a pay-what-you-think-is-fair business model, which I also agree with).

Soon, I saw my $500 from my bimonthly check drop into my bank account a whole 2 days earlier. I wouldn't have to sit in the break room on Friday refreshing my account so I could pay my bills anymore.

There are other cool features like tipping yourself** to save up or cashing out faster*** if you need it; next time I run into an emergency, Earnin is the first place I'll go for cash.

I'm a part of the Earnin community now, and I have the freedom to get paid what I've earned when I've earned it. You do too.

Click Here to Download the Earnin App!

Download Now

*Restrictions and/or third party fees may apply, see Earnin for details

**Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. Your Tip Yourself Account and any Tip Jars are not Savings Accounts. For more information/details visit Earnin

***Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection. Restrictions and/or third party fees may apply, see Earnin for details.

As much as I tried to stay on top of my finances, my bills fall on the worst possible day - riiight before payday.

They can't be moved, and it used to make me feel like I'm just scraping by when it's really just an annoying schedule.

It seemed like my coworkers never ran into these issues, even though I know for a fact one of them has the same rent day as me, so one day I just asked him if he had a side hustle or something.

I was really surprised by his answer; he used an app called Earnin.

Earnin
Make Payday Today
No Mandatory Fees
Unlock Your Paycheck Now

I wondered if he was getting scammed, but he said it's not a loan - Earnin allows you to access up to $500 per pay period before payday.* He actually told me he thought I was using it, since we have the same philosophy that if you work, you should get access to your earnings asap. I am always complaining about it.

But there had to be a catch. I downloaded the app, where I was prompted to plug in my bank details and my work details. To sign up, you do need to have a steady income, so it doesn't work for freelancers.

I kept waiting to see if there were hidden fees*, but there really didn't seem to be. It's not a loan you have to pay back, and there are no interest fees. My employer wouldn't be notified.

When it came time to get my pay earlier from Earnin, I did have a moment where I thought I caught the app in a lie - but I was wrong. Every time you get paid, you have the option to tip the service, but it's never required (they have a pay-what-you-think-is-fair business model, which I also agree with).

Soon, I saw my $500 from my bimonthly check drop into my bank account a whole 2 days earlier. I wouldn't have to sit in the break room on Friday refreshing my account so I could pay my bills anymore.

There are other cool features like tipping yourself** to save up or cashing out faster*** if you need it; next time I run into an emergency, Earnin is the first place I'll go for cash.

I'm a part of the Earnin community now, and I have the freedom to get paid what I've earned when I've earned it. You do too.

Click Here to Download the Earnin App!

Download Now

*Restrictions and/or third party fees may apply, see Earnin for details

**Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. Your Tip Yourself Account and any Tip Jars are not Savings Accounts. For more information/details visit Earnin

***Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection. Restrictions and/or third party fees may apply, see Earnin for details.

As the years go by, you'll likely need to make some large purchases here and there. Plan for these major life purchases by identifying them and saving early.

While it's possible to be frugal with many aspects of your lifestyle, there are certain events and possessions that will require you to spend a substantial amount of money. Thus, a wise course of action is to begin saving well ahead of time while thinking about your goals for the future. This way, you'll be able to maintain a stable financial state even when faced with those large expenses. The following are a few major life purchases that you should plan for.

A Wedding

Marriage is a joyous occasion that many people look forward to. However, a wedding can be quite expensive, often costing thousands of dollars. Your family and your future spouse's family will often contribute to covering this, but you should still prepare to spend a good deal of your own money on the ceremony. If you're in a serious relationship and are considering marriage, you should plan where the funds for the wedding will come from and take the necessary actions to accumulate them. It's also crucial to discuss financial matters with your partner, since your property will merge once you get married.

A New Car

Automobiles remain one of the top modes of transportation. As a result, you may want to purchase a new car at some point in your life. Although you may be fine with an old or used vehicle at present, you may one day be motivated by a desire to acquire something nice for yourself or by the practical needs that arise as you raise children. Whatever the case, obtaining a new car is a major life purchase that you should plan for.

In addition to setting aside funds to eventually put towards a vehicle, you should also aim to build you credit score. This is because your credit score will determine your available car loan options. The higher your credit score, the more you may be able to lower your interest rates on your car.

A House

Owning your own residential property is a worthy objective that you may hope to make a reality one day. Ideally, you should save about 20 percent of the total cost of a house before you buy it. This will allow you to make a larger down payment and thereafter face less interest on your mortgage.

As with acquiring a car, the mortgage options that you'll have can change based on how strong your credit score is. You'll want to increase your score as much as possible in the years leading up to buying a house so that you can get more favorable interest rates. In addition to contemplating down payments and mortgages, you must also remember that you'll need to deal with property taxes, insurance, maintenance and repair fees, and sometimes homeowners' association charges.

It's also necessary to hire a real estate agent to help you with the buying process. There are different types of real estate professionals. You should know how to distinguish between buyer's agents and seller's agents so that you can obtain favorable prices on homes as well.

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