About 10 years ago, coworking spaces were considered a strange solution for freelancers. But now, they're almost ubiquitous within the work-from-home community. Most major cities have at least one coworking space available for entrepreneurs, freelancers, or just anyone who wants an office away from home.

Recently, specially-themed coworking spaces have been popping up in metropolitan areas the world over. Some are geared toward engineers or creatives, and others are focus on offering space for women exclusively. If you're looking for a pleasant work environment where your fellow women can lift you up, these work spaces might be your best bet. But what are the benefits of a women-only working space? Are there any downsides? Here's a few pros and cons to consider.

Pro: Female-focused career support and panel discussions

Networking and finding support in career development is key to survival for a freelancer,. Specifically addressing the hurdles women face in the workplace is also a great idea. It's women who often have difficulty negotiating for a higher salary or struggle with childcare. Or maybe have to navigate a boy's club environment in their chosen career path. Many of these spaces will host panel discussions of these issues with experienced speakers. Some have one-on-one mentorship programs. Others have dedicated career centers to help spruce up your résumé, practice your interview skills, and even train you in salary negotiation. A few even offer childcare for working mothers. No matter what it is, it can be nice to have a network to fall back on if you're running into challenges in your career.

Con: Most female-centric spaces are incredibly focused on single women

It's great to have networking and support for your career, but the majority of women's co-working spaces are specifically geared toward the young working professional. There aren't many workshops on balancing home and work life with a family. And for many working moms, visiting a co-working space might not be an option with their young children. There are a few spaces that do offer childcare on site, including Play, Work, or Dash in Virginia. But this is definitely not widespread and, given the tight regulations surrounding childcare, it's unclear whether this kind of service will catch on elsewhere. For working mothers, maybe a co-working membership just isn't worth the price.

Pro: Work around like-minded women and have the space to speak

When you're in the coworking space, you'll be around a lot of women who have the same goals and dreams as you. Maybe not in specifics, but at least in how much time they want to spend cultivating their career. You know when you walk in the building, you'll be surrounded by women who are working just as hard as you are. That can be motivating and comforting. Another plus for an all-women space is that you won't have to work to make yourself heard. Several studies have found that men dominate conversations in the workplace. This can be because men interrupt women or women just chose not to speak up. But in a female-focused space, there will be no men to take over the conversation. You'll be able to speak your mind freely and be heard.

Con: Women-centric clubs have been the center of controversy

These spaces have offered many resources to working women, but they don't come without controversy. Some critics argue that limiting membership to females only is discriminatory. The New York Human Rights Commission was reportedly investigating The Wing (a coworking space in NYC) for discrimination. Legal experts even say that preventing men from joining could be seen as a violation of the same anti-sex discrimination laws that were meant to protect women. But an attorney representing The Wing has said that the space follows the history of the laws' purpose empower women and level the playing field. So therefore, it is not violating any laws. No one is suing just yet and so far no complaints have been reported, but this new brand of coworking could be sitting in dicey legal territory. The debate could eventually end up in court.

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I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.

There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).

After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.

It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.

That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.

I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.

Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.

Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).

More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.

The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.

I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.

Update: Our friends at Truebill are extending a special offer to our readers! Follow this link to sign-up for Truebill.

My buddies and I always try to make it out to a game, but we never really care which one we end up at. Obviously we have our favorite sports and teams, but it was rarely about what game we went to or who we saw playing. It was about watching the game live.

In the early months of lockdown, all we had was Korean baseball, and trust me, we loved it. The only issue was, none of us had any idea what the commentators were saying. Even then, a few of my friends weren't huge fans of baseball. They were into sports like football and basketball, ones that moved at a quicker pace with less down-time in between plays.

We decided to see if there were any other events going down and came across horse racing. Yes, horse racing. It was perfect--short, fast-paced, and most importantly, an opportunity for betting.

I had never really considered watching a horse race any time other than the Belmont Stakes, but the prospects of the sport seemed exhilarating. Even better, with horse racing we knew we could still recreate the atmosphere of a race track. Salty snacks? Check. Stale beer? Check. A simple and easy way to bet? Check.

One quick Google search later, we came across TVG, powered by FanDuel. It's an online betting platform that takes you right to the heart of the action. We were a little apprehensive about using a mobile app to place our bets, but TVG's ability to bet on live horse races from all over the world was too good to pass up.

Here are 5 reasons why we are obsessed with horse racing thanks to TVG:

1. Betting has never been easier

Use your phone or computer to watch and bet on live horse races in real-time. TVG offers a bunch of features to make betting even simpler--live odds and handicapping tips leverage recent learnings to help you make your best bet. Not to mention, TVG's exclusive race content and wagering guide offers an under-the-hood look into the strategy behind horse race betting.

2. The biggest selection of horse races out there

If you're looking to drop a little dough on a horse race, chances are your best option is your local race track. But watching the same few horses races over and over again isn't the most exciting thing. With TVG you have access to over 150 tracks worldwide with races happening consistently throughout the day.

3. Get a generous sign-up offer when you place your first bet

Once you register your account, you will be eligible for a $200 risk-free bet. All you have to do is place your first bet and you're covered. If you happen to lose, TVG will insure you for up to $200 as a sort of wagering credit. I may have been a little trigger happy when placing my first bet, so having this insurance was a great perk. There are also a bunch of promotional offers available year-round.

4. Making deposits and cashing out at the touch of button

With a ton of payment options such as PayPal, BetCash, debit/credit, wire transfers, and other third-party services, making a deposit is a breeze. But what about the payout? Depending on your deposit method, your withdrawal will be available in a few days. No more waiting in-line to collect your winnings!

5. Watching live races with your friends while betting is exhilarating

Even when we were watching Korean baseball, Zoom calls with my friends were a little dull.

With TVG, we haven't had this sort of fun in months! Every weekend we'll turn on a race and throw our bets in. After a few races, and quite a few drinks, we'll tally up our winnings to see who won the most! Sometimes it's not even about making money, but just having a good time.

TVG is the perfect way to add a little excitement to an otherwise mundane afternoon. It introduced me to the world of horse racing, a sport I never would have considered otherwise.

The races just keep ramping up and thanks to TVG, I can always get in on the fun.

UPDATE: The biggest derby in horse racing is THIS WEEKEND. Get in on the action with your $200 risk-free bet!

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