After breaking up with a guy who I had dated for almost 10 years, I immediately went to the mall and spent over $1,000 on new clothing. The next day, I decided that I wanted to learn how to go camping and went to REI to buy over $500 in camping supplies.
Retail confession: this was the start of a debt-filled journey to get over my ex. Spending a ton of money on new clothing, new hobbies (along with every accessory for that hobby), and all-girls trips to the spa, fancy restaurants, and the hottest new bars would make me feel better, right?
My plan in retail therapy completely backfired months later when I came to the realization that I had racked up thousands of dollars on my credit cards. I felt even worse about myself, because I had lost control of my finances. I felt completely irresponsible, helpless, and confused. I slowly crawled my way out of debt, but I wished every step of the way that I hadn’t gotten myself there in the first place.
Willpower, the well-meant angel on our shoulder, has an extremely tough job to tend to. It’s the over-seer of so many things we’d rather forget: our budget, eating plan, or exercise routine. Despite how hard it works to keep us on the right path, it usually can’t stand up to our whims and cravings.
Saving money isn’t easy. It’s something we all struggle with.
When it comes to money, the result of our ability to silence our willpower is an instant gratification mentality and a financial foundation that is rocky at best.
We all already know what the most exclusive credit cards are: the Amex Centurion and Chase Palladium. Have we ever stopped and wondered who did the best in designing the aesthetic looks of their cards?
We’ve examined hundreds of credit cards and compiled a list of the sexiest looking cards. We’re not judging these cards by how exclusive they are, but rather how much effort and time was put into the design.
So without further adieu, here are our top picks of the world’s sexiest credit cards.
Thinking about settling your debts? Hang tight- it may not be the best option for you. If you’re reading this, you probably have some questions about the debt settlement process.
I used to work for some of the biggest debt settlement companies, and I can tell you right off the bat that you should tread with caution. Debt settlement can be an effective approach to paying off your debts, but what exactly are the ramifications?
No one likes a friend who brags about being rich or constantly complains about being broke. The Miss Manners in me never liked to speak about the specifics of my money problems. After all, we’re all taught that mixing friends and money is never a good idea.
But what would change if we were more transparent in everyday conversations about the realities and problems we all face: credit card debt, student loans, paying bills and taxes, saving for retirement, and managing investments? Would friendships really end?
Money problems and disputes can end friendships, but the actual cause of money being an uncomfortable topic for discussion is usually buried in emotions attached to how society values people. Perhaps the greatest evil of capitalism is that it makes people feel like the amount of money they earn or have (their market value) reflects their self worth or importance. Thus, money is a topic that strikes a personal chord with us all: how much are we worth?
When it comes to meal planning, I’ve had a lot of starts and stops. I put a calendar on my fridge with the idea that I would fill it with dinner ideas every week. I stopped updating it in February. I also worked on compiling favorite recipes into a DIY cookbook only to have it sit on the shelf collecting dust. Nothing has managed to stick.
Then, I recently stumbled across several websites that offer meal-planning services for rates I could actually work with. Problem solved.
Here are a few I found particularly intriguing.
We’ve all heard it before. The adage that you must buy a house if you’re serious about your money. Some even argue that if you continue to rent you’re foolishly throwing your money away.
All you need to do is look at the fact that 17 million people planned on buying a house in 2014. That reflected an increase of nearly 1 million from the previous year. As with anything finance related, you need to make a decision that serves your best interests. If you’re on the fence about buying a house, take a look at these five reasons why you should continue to rent.
Do a quick search of the most common things couples fight about and it becomes glaringly obvious what the answer is: money. Yes, there are plenty of other things to squabble over, but several studies have landed on money and finances as the common thread that binds most couples together – or, in this case, tears them apart.
Money is complicated. It goes far beyond how much you take home or how high your bills are – it’s about the intricacies of your money decisions and why you make them. They could be spurred by your childhood, your environment, your feelings of self-worth – either way, if you and your partner aren’t on the same page, or at least in the same book, when it comes to making said decisions, it could be a huge drag on the happiness level in your relationship.
On May 18, 1998, U.S. federal officials arrested over 130 people and seized $35 million in drug money bringing an end to the largest money-laundering probe in U.S. history. The federal government indicted several Mexican banking institutions and high- and mid-level bankers for laundering millions of dollars in U.S. drug money for the Cali Cartel of Columbia and the Juarez Cartel of Mexico over the previous three years. Included on the list were notable banks such as Bancomer and Banca Serfin (merged with Santander in 2005), Mexico’s second and third largest banks at the time, along with Banca Confia that had recently been purchased by Citibank.
In addition to the $35 million, officials seized two tons of cocaine and four tons of marijuana. They also froze an estimated $110 million in almost 100 banks accounts in the U.S. and $12 million in overseas accounts that had been used by drug traffickers to deposit laundered money. How did undercover agents infiltrate the vast network of U.S. and Mexican drug cartel brokers and bankers?
There are very few things that give me anxiety like group-pay situations. When a waiter drops a bill full of expensive cocktails and exotic entrees off at our table and all I’ve had is a beer and one appetizer, I dread the moment when someone says, “Why don’t we just all split it?”
When it comes to going out to eat, taking trips, or participating in anything outside of my necessary spending, I keep “price” firmly rooted in the forefront of my mind. So when friends have an entirely different financial situation, or different spending priorities, bridging the gap and coming to a common ground can be a challenge.
If you know these uncomfortable situations all too well, here are some tips for wading through the awkwardness or, hopefully, avoiding it altogether.