Make money advices? There are two types of people: those who like budgeting and those who don’t. I’m in the latter camp. I’m definitely not a fan of budgeting. I find that budgeting often reinforces a scarcity mindset where you spend so much time cutting back on the small purchases that often bring you the most joy. You track every penny going in and going out and it just takes so much time. But if you’re the type of person who thinks they might be into budgeting, then you should learn how to budget. Instead of budgeting I simply focus on optimizing my three biggest expenses, housing, transportation, and food.

Contract and freelance work are often used interchangeably, but there are a few subtle differences. Many of the home-based “jobs” you’ll find on career sites hire workers as contractors instead of employees. These contract jobs can be full or part-time, and as regular as a traditional job, including a steady income. The difference is that contractors are considered independent from the company for tax purposes and therefore, need to manage their own self-employment taxes.

Sending money for your loved ones has never been this easier after you’ve learned about the Cebuana Pera Padala. You don’t need to wait for a couple of days to let them receive your hard-earned money. With Cebuana, everything is possible. What’s more, the updated pera padala rates in 2020 are lower than other competitor branches nationwide. Its purpose is to bring convenience to Filipino people while bringing smiles to families. It has the most competitive rates in the Philippines – the reason why you have to search no more. In the entire country, Cebuana Padala has 2500 branches for easier sending and receiving of money. Find extra information on Cebuana Padala Rates.

If you use any type of transportation, ask for a senior discount. This is especially true for those who use public transportation. You could save a significant amount of money on these discounts. Home Depot: Home Depot does not offer specific senior discounts. However, it does price match the discounts that other retailers may offer for the same product in their location. TJ Maxx: Shoppers here can qualify for up to 10 percent off when they shop on Mondays. However, this discount is now limitedly available (may only apply in Florida right now).

Many students work part-time or during the summer months, and others will be on placements or paid internships. More often than not, if you are a student working during the year, you will be overpaying income tax. Why? Simply because few students reach the personal tax-free income allowance each year but are put on an emergency basic tax-code by their employers meaning tax is being paid when it shouldn’t be. Read additional information on Digital Pinas.