In the VSECU Blog you'll find financial and lifestyle resources to help empower possibilities for your personal success.
Have you ever dreamed of retiring early and going swimming with tropical fishes? Are you simply looking to increase your savings? Mr. Money Mustache is a finance blogger who writes about how he and his wife managed to retire in his 30s by lowering their expenses and saving 50% of their income. But how? Here are five of his tips to help you cut costs, save money, and achieve financial independence that much sooner—whether you want to go snorkeling or have any other retirement plans or financial goals.
One of the first steps to living on your own is finding an apartment. Like most things, being well prepared will make the transition smooth and your apartment search more likely to succeed. I’ve been renting ever since I went to college—more than 10 years now. I’ve rented in two different states, and with every configuration of living situation (alone, with roommates, and with my partner). Over the years, I’ve had a ton of interaction with landlords, lease agreements, and state renter’s rights. I’m going to be putting the combined experience into this guide to give you the best chance of rental success.
This is not intended to be investment advice and is the personal opinion and experience of the author. WHAT IS CRYPTOCURRENCY? Cryptocurrency, or crypto, is a digital asset first created in 2009 that, unlike the U.S. dollar, doesn’t have a physical form. Bitcoin, which you may have heard of, was the first of this new kind of currency, but there have been many others created since, and seemingly more every day.
It’s so simple. The click of the keyboard loads a website and I see just what I am looking for: exercise leggings in different photo-shopped on colors. Scanning the screen for the price, bright red text catches my eye. Nine dollars. Deal. The leggings arrive and I try them on. They don’t hit my ankles and the fabric is slightly see-through, but considering the price, I can’t complain. I am satisfied with my leggings, but I realize too late I could have gotten a similar item for a similar price and higher quality by buying the leggings used. I also would have kept the leggings out of the landfill.
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What do you think of when you think of “the economy?” We hear that word all the time—on the news, on the lips of politicians and policy makers, and in casual conversations, too. But what is it, exactly? Do you feel like it’s something you have a meaningful role in? Or do you feel like changes in the economy are made out there, outside of your control, by other people like stock traders, senators working on trade deals, the Treasury Secretary, and places like the World Bank and the International Monetary Fund? Well, we’re going to break it down a bit and focus on a powerful distinction within the economy—the difference between the financial economy and the real economy.
Getting a new job is exciting. Finding a new job? Not so much. If you’ve experienced anything like my six-month job search in Vermont, the process can get stressful, tedious, and exhausting. But there are ways to make it easier. Now that pandemic restrictions have eased, Vermont’s job market is finally opening up and employers are actually struggling to find workers. From firsthand experience, here are some of my personal tips for finding a job.
“In order to G-E-T you have to A-S-K.” This was the one-liner that stuck with me following Brooks Harper’s keynote address at the Vermont Chamber of Commerce’s 2019 Workforce and Talent Summit. He has a fascinating life story which helped set him up for a career as an author and one of the most sought-after career speakers in the country. But he makes a point to emphasize that he never got anything along the way without asking. It’s a modern-day spin on the old adage, “The squeaky wheel gets the grease.” It applies to many facets of our lives and, in this blog, we’re going to focus on A-S-K-ing for a raise at work.
Pet health insurance can feel almost unnecessary—until it’s not. When my dog, Kelsey, got deathly ill about four years ago, the unexpected veterinary bills wrecked my perfect credit card balance and the modest-but-healthy savings I had built up. Three months of almost-constant vet care put me in a significant debt hole (and emotionally shook me to my core). Had I had pet health insurance for Kelsey at that time, I may have had a markedly different financial experience and a lot more peace of mind. But it’s hard to know when these things will happen. Pets are unpredictable sometimes.