#NAMB Readers… Want to Win $200?

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Who doesn’t want to win $200?

Millennials, we’ve teamed up with an incredible group of blogging friends just for you. That’s right, we want to put $200 cash into your PayPal account! Why? Because, we want to thank you for supporting us.

The giveaways begins June 26, 2017 and ends July 6, 2017.

Be sure to stay tuned for details… the winner will be selected and notified by July 9! Good luck!

 

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You Too Can Be a Millennial Cheapskate

Adulting, Author: Mary Grace Donaldson

Among my varied circles of friends, I have a bit of a reputation for… hatred of parting with my hard-earned money.

Now, this may not sound like a surprising confession to you, especially considering that millennials, generation-wide, have racked up large numbers in student debt and are widely known for wanting to save money. But everyone has his or her own methods for penny-pinching, and mine are tried and true.

So, how can you also be a millennial cheapskate?

Know how and where to do your online shopping
Be sure to really scour Amazon –- they sell items at lower prices that you wouldn’t even think to look for there. Direct sales companies such as LuLaRoe often have discount programs if you purchase from a particular retailer a certain number of times.

Know where you can also make money online
Yes, that’s right — you don’t just save money online, but you can make money, too. Of course, sites like Ebates actually pay you to use their site while you shop, and CashCrate allows you to bring in some extra cash in exchange for asking a few marketing questions.

Don’t be afraid of discount stores
As much as I’ll always be a fan of shopping online, in my bed, wearing pajamas… there are certain instances in which it’s easier to just go to the store. Pro tip: Target really has everything — from supermarket food (I pay .79 for a box of pasta that costs around $2 in the supermarket) to gifts for all occasions to clothes (yes, clothes). T.J. Maxx and Marshalls already sell clothes and a plethora of other items at discounted prices, but you’ll find clearance racks all over both stores -– meaning that the items on these racks are marked down markdowns.

Live at home
I’ve said it before and I’ll say it again. There are many reasons why there’s nothing wrong with living at home even over the age of 25 –- but one of the more obvious reasons is living rent-free. While its important and responsible and just all around the right thing to do to help your family with expenses while living at home, it is certainly less costly than paying rent every month.

And finally… don’t spend money on what you don’t need
I’m not saying not to treat yourself once in a while. But, on a regular basis, don’t buy things that aren’t practical. Think about where that less than practical item will end up once it makes its way to your bedroom. What will you use it for? When will you use it? And if you absolutely can’t leave it alone, is there an alternative to either a) the item or b) the retailer?

Why I’m Grateful for My Job

Author: Michelle Ioannou, Career Advice

I’m grateful for my job.

Yes, I do groan when my alarm goes off in the morning. Yes, I will Gchat my friends while at work to complain about something, or about how the day is dragging. And yes, there are some days my job stresses me out to the point where I feel like screaming.

But I am grateful for my job. And if you have a job, you should be too.

It’s pretty easy to take our jobs for granted. It’s really easy to forget that there are many people out there who would kill to be in our shoes. And, it’s easy to forget how valuable being on someone’s payroll really is.

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Work can suck, don’t get me wrong. Even if you love your job and love what you do, there are days that are bad and days that are stressful — it’s inevitable. And those days it’s the most important to remember how fortunate you are that you have a job.

There are plenty of people out there all over the world — both millennials and non-millennials — who have college educations, who have experience, but unfortunately have not had any luck in the job hunt.

Be grateful for your job.

Whether you’re working full time, or part-time; whether you’re working in the industry you want to or not; whether you’re salaried or freelancing — be grateful. You have a paycheck coming your way.

And yes, money isn’t everything, but unfortunately it’s a means of survival in today’s world. Being on someone’s payroll is something that you should be grateful for — today and always.

I am very grateful for my job. Even days that I’m stressed or overwhelmed with the amount of work I have to do, I am still grateful to be employed, and I hope you are too.

Save (and Make!) More Money Online and On Your Phone

Adulting, Author: Michelle Ioannou

Life is expensive.

That’s no secret. We try to budget, but sometimes (okay, all the time), it’s really not easy. We use our finance cheat sheet, but there’s still more we can do.

And that’s where saving money — and making money — online comes in.

What if I told you there’s a few websites out there where you can not only save money, but even make money? I know, it sounds too good to be true, but it is.

Now, for the websites and apps that you should be signing up for ASAP.

Ebatesebates-logo
I’m sure you’ve seen the commercials and probably even laughed at them — I know I did until one of my friends told me I needed to sign up. Since I joined in April 2015 I have made over $300 just from shopping online. That’s right, all I had to do is “activate” Ebates before checking out at an online store, and I got a percentage back. How does it work? Basically, Ebates gets commission from the store you’re shopping out, and they split that purchase with you. All you have to do is shop online like you normally would!

Honey honey-logo.png
I just recently downloaded Honey at the recommendation of one of my colleagues. I’m still scoping it out but I know she has had great luck! The Honey extension will automatically find coupons for you to apply upon checkout. That’s right, just shop as you normally would and proceed to checkout and Honey will automatically show you coupons that you can apply to the order.

Acornsacorns
Disclaimer: I’ve been saying I would download this but I have not taken the plunge yet. Acorns is an easy way to help you invest in stocks by investing your spare change. For instance, if you purchase something for $1.75 and you pay $2 for it, that .25 will go into Acorns. Once you have $5 in your account, a team of financial advisors will start investing for you. If you’re age 24 or under it’s free, however for those of us above this age, it’s $1 a month if your balance is under $5,000 and .25% per year if your balance is over $5,000.

5c2a8bb8-5cad-3e3d-85bd-79068d03416b.jpgCashCrate
I have been a member of CashCrate for a few years now, and have received over $600 from them. Unfortunately I have not had the time I used to to dedicate to this site, but I can guarantee that it’s legit. CashCrate gives you several ways to earn cash through taking surveys, completing offers and so much more.

How an Accounting Degree Can Help You in the “Real World”

Adulting, Author: Claire Greene

My career journey has been a very long and interesting one. I have gone through many peaks and valleys to get to where I am right now, but there is no place I’d rather be.

I have loved animals throughout my entire life. When it came time to apply to college, I wanted to get a degree in marine biology and work in animal care. I talked with many schools with great marine bio programs. However, when I spoke with career counselors, they all reinforced how difficult it is to actually find a job in the field.

In school, math was a subject I excelled at. I always got As, and it was something I actually didn’t mind doing. I went with the safer bet and majored in accounting. I did extremely well in college, and I graduated with my Bachelor’s degree in Accounting and my Master’s degree in Business Administration. I then started working at a bank headquarters as an accounting specialist.

I later realized I despised being behind a desk all day and typing the same thing into a computer over and over again. I longed to do different things throughout my day instead of the same, repetitive motions. I had an epiphany that I had to go after my childhood dream. Am I crazy? Yes, but I’m glad I put in my notice at my job, moved back in with my parents and started volunteering at Mystic Aquarium. After a lot of hard work and resilience, I was eventually able to work my way up to a job as a full-time Animal Care Specialist for Living Exhibits, Inc., which is a company the aquarium outsources to bring in seasonal exhibits.

While I do not have a career in accounting, I do not regret my experience. I still find ways that my education has come in handy throughout my life. Here are four ways in which accounting has helped me in the real world, and can help you, too.

Restaurant Tabs
It is pretty much a given that when I am out to dinner with a large group of people, I am handed the check at the end of the night. In accounting, you are taught how to divide up expenses and figure out percentages. I know how to allocate each person’s individual expenses because I’ve written up whole financial statements for companies. If you ask me what your tip should be on your meal, I can tell you in approximately one half second because I have figured out percentages a million times. I also know how to figure out the tax because I know that the tax each person is owed is based on each person’s balance, just like a company’s net tax is based on its profit.

Work expense sheets
In any job or career, there are always expenses involved. Since they are company expenses, the company needs a way of recording and tracking those expenditures. Therefore, in comes everyone’s dreaded spreadsheet, the expense report.

Expense reports are records of all your expenses — allocated to individual categories to know how company money is being spent, tax included. If you have been supplied with a company credit card, this amount of money should equal the current balance on the card subtracted from total amount of money that was placed on the card. Managers will then know how much is being spent or if money needs to be reallocated towards something else.

Most people cannot wrap their heads around figuring out the expense report. I automatically took to it. Not because I am obsessed with Excel, but because I already knew how to figure it out. Accountants use the double entry accounting system, in which every entry in a financial statement has a corresponding and opposite entry. For example, on any financial statement, a debit will increase an expense, and a credit will decrease an expense. The corresponding entry will be a decrease in cash, which is an asset. Assets are decreased in credit. As expenses increase, cash flow is decreased. That statement is the principal of financial statements, and the whole theory behind an expense report.

The expense report is simply a balance sheet in a financial statement. So, for me, the expense report is not Frankenstein’s monster. It’s a more than conquerable beast.

Sales
This one pretty much goes without saying. I’m not going to lie, just like any other girl who likes to have 500 pairs of shoes but doesn’t want to pay full price for them, I love sales. But what’s also great is that I can figure how much I am actually going to end up paying in five seconds. After figuring out tax percentages and mortgage interest, it’s easy. I’m the one to have around if you want to figure out if you can buy a dress that’s on sale for 30% off if you only have $40 left. I’m like a walking calculator.

Taxes
I know, I know. Tax season is like hurricane season. It’s stressful, time consuming and potentially can take away your money. However, for me, it’s not so stressful. When I was getting my Master’s degree, I interned at the Volunteer Income Tax Assistance program. It’s a program created by the IRS to help those with lower incomes file their taxes for free. My job was filing tax returns. In doing so, I know the entire process.

I know about certain tax credits that I qualify for. I know which forms need to be filled out, how to file to make sure that I am getting the maximum refund and if you should itemize your deductions or just take the standard. I also know certain things that count as deductions that most people don’t know about, potentially increasing your payout. And I will never have to pay for an accountant, which will save me lots of money.

 

Your degree can always prove useful in ways that you might not even necessarily realize. I will never regret getting my degree in accounting, because I now have knowledge that I wouldn’t have if I had not made that decision. I use my degree every day. So be crazy, go after your dreams and never settle. I’m sure glad I never did.