This is where your path to financial freedom begins...

Are you tired of the traditional path to a high-paying career? Florida's diverse economy offers numerous lucrative opportunities that don't require a college degree. From the bustling tourism industry in Orlando and Miami to the booming healthcare sector in Tampa and Jacksonville, the Sunshine State provides various routes to financial success without the burden of student loans. * Why Consider Degree-Free Careers in Florida? Florida's job market thrives, with employers valuing skills and experience over formal education. According to Florida Commerce data, several industries are experiencing workforce shortages, creating perfect opportunities for motivated individuals to enter high-paying careers through alternative paths. Top 10 Highest Paying Jobs in Florida Without a Degree Air Traffic Controller Sales Representative Elevator Repairer Gambling Manager Firefighter Supervisor Power Plant Operator Electrical Power-Line Installer Mechatronics Technologist MRI Technologist Diagnostic Medical Sonographer Air Traffic Controller | $137,000/year Air traffic controllers coordinate aircraft movements to ensure safe and efficient operations. They monitor radar screens, communicate with pilots, and manage airport traffic flow. This demanding role requires: Excellent decision-making skills Strong attention to detail Ability to work under pressure Only three years of work experience as a federal employee to complete the required training Sales Representative (Technical)  | $100,000/year Technical sales representatives build customer relationships to sell specialized goods or services within their geographic market. With technology constantly evolving, these professionals: Network with engineers, business owners, and contractors Determine technical solutions for specific client needs Often earn a combination of salary and commission-based incentives Elevator Repairer | $100,000/year Elevator repairers install, maintain, and repair elevators and escalators to keep these essential systems running safely. To become an elevator repairer: You need a high school diploma or GED Complete an apprenticeship program Develop mechanical and electrical troubleshooting skills See my feature in Be Careful in Choosing One Popular Life Path That Could Leave You Poor Gambling Manager | $90,000/year Whether as a casino manager, slot supervisor, or casino dealer, gambling managers oversee large sums of money and interact with a diverse clientele. Key responsibilities include: Ensuring betting compliance Reporting suspicious behavior Supervising equipment Following rules for various games (Blackjack, Poker, etc.) Firefighter Supervisor  | $90,000/year Firefighter supervisors lead teams in emergency response, assigning personnel to various locations and guiding rescue operations. This role requires: Leadership abilities Dependability and adaptability High-stress tolerance Ability to make quick decisions under pressure Power Plant Operator  | $80,000/year These professionals oversee power generation equipment, monitor machinery, address challenges, and perform maintenance to keep facilities running smoothly. Requirements include: High school diploma 3-5 years of relevant experience Technical aptitude and problem-solving skills Electrical Power-Line Installer  | $80,000/year Working as part of a team, electrical power-line installers construct, maintain, and repair high-voltage power lines. This physically demanding job requires: Technical skills Problem-solving abilities Strong safety focus Completion of an apprenticeship program or certification Mechatronics Technologist  | $80,000/year Mechatronics technologists work at the intersection of mechanical and electrical engineering, installing and maintaining electro-mechanical components. They impact industries from manufacturing to healthcare by: Reading mechanical and electrical diagrams Understanding pneumatics and assembly procedures Completing certificate programs to gain essential skills See my feature in Is It More Important To Do What You Love or Work For the Money? Experts Weigh In MRI Technologist | $78,000/year MRI technologists operate advanced imaging equipment and capture detailed images of the human body. This healthcare role involves: Patient interaction and comfort assurance Processing and analyzing medical images Requiring MRI certification and 1-2 years of prior experience Diagnostic Medical Sonographer | $78,000/year Sonographers use specialized ultrasound equipment to create detailed images of patient organs and tissues. This career requires: Completion of an accredited radiologic program Four years of relevant experience Technical precision and patient care skills Factors Affecting High Wages in Florida Several factors determine compensation levels for these high-paying careers: Industry demand : Manufacturing, construction, and technology sectors typically offer higher wages Geographic location : Miami, Tampa, and Orlando generally pay more than rural areas Specialized skills : Certifications and technical expertise command premium compensation Work schedule : Jobs involving overtime, night shifts, or weekend work often include additional pay Cost of living : Varies significantly across Florida's regions, impacting local wage levels Start Your Degree-Free Career Journey Today Florida's job market offers numerous paths to financial success without a traditional college education. You can access lucrative careers with growth potential and stability by focusing on skill development, certifications, and gaining experience. If you're considering a career change and need assistance with your resume or job search strategy, reach out today to schedule a free consultation. Let us help you navigate the exciting opportunities in Florida's diverse job market. Information gathered from Florida Jobs and Florida Commerce, Bureau of Workforce Statistics and Economic Research. Updated January 2025.

Are you struggling to keep your spending under control? You're not alone. Unlocking the secrets to effective spending can be a challenging task. That's why I reached out to ten visionary entrepreneurs, CEOs, and experts to share their proven strategies with you. From the innovative "Treasure Hunt Tactic" to the transformative "Circular Budget" approach, these leaders have successfully managed their finances through diverse and unique approaches. Let their insights inspire you on your journey to financial management success. Proven Methods to Control Your Spending Implement the "Treasure Hunt Tactic " Before clicking "buy now," try the "Treasure Hunt Tactic" recommended by financial experts. This simple but effective approach involves searching your home for items that could serve the same purpose as what you're planning to purchase. "I once tried a method I called the 'Treasure Hunt Tactic.' Before deciding to purchase an item, I would turn my home into a sort of archaeological site, digging deep into closets, drawers, and storage boxes to find something I already owned that could serve the same purpose as the new item I was considering buying," explains Abid Salahi, Co-Founder, FinlyWealth This method delivers dual benefits: preventing unnecessary purchases while helping you rediscover and utilize forgotten possessions. It's a win-win for your wallet and home organization. Unsubscribe from Sales Emails Those tempting promotional emails flooding your inbox are strategically designed to trigger impulse purchases. Taking control of this digital temptation can significantly reduce unplanned spending. Tom Blake , Founder, This Online World , shares: "One of the most effective methods I've used to control my spending is to unsubscribe from all marketing- and sales-related emails. For years, my inbox was full of brand deals, coupons, online sale promotions, and similar emails that encouraged me to spend. Take an afternoon and hit "unsubscribe" on as many retail-related emails as possible. Out of sight is truly out of mind for your inbox, and this is a very effective way to reduce temptation and online spending. Try the "Cash Envelope System" For those who struggle with digital spending tracking, the tangible nature of cash can provide better spending awareness and control. Lee Hemming, Sales Director at ABC Finance Limited , recommends: "Allocate a specific amount of cash to different spending categories, such as groceries, dining out, entertainment, and transportation. Place these funds in separate envelopes labeled with the respective category. Once the cash in an envelope is gone for the month, you cannot spend any more in that category until the next month. This tangible approach makes you aware of your spending limits and encourages thoughtful consideration before making purchases. Use the "Investment Value Check" Before making significant purchases, consider the opportunity cost of spending versus investing that money. Domenico Trimboli , Freelancer and Business Owner , explains his approach: ""Before making any significant purchase, I take a moment to calculate how much that money could potentially grow if invested over ten years. Using average market returns as a benchmark, I project the potential growth of that sum." This mental shift from immediate gratification to long-term value helps prioritize purchases that truly matter while building wealth for the future." Don't Checkout Without a Need Online shopping carts can quickly fill with items you want but don't necessarily need. Implementing a simple rule can help distinguish between true necessities and impulse buys. Beverly Gearreald, Owner of Live Fearless Mentoring , shares her strategy: "I have a rule that helps me avoid making impulse purchases: I don't check out unless I have something I need in my cart." She explains how this helped when replacing an essential item: "Recently, my tea kettle broke. As someone who drinks tea from sunrise to sunset, I needed a new kettle. I headed to Amazon and selected one, but then it was time to review what was in my cart. Those adorable planters? Deleted." This approach ensures you only complete purchases when genuine needs arise, significantly reducing impulsive spending. Prioritize Physical Cash for Expenses When financial discipline becomes crucial, returning to cash can provide the visual accountability needed to stick to a budget. Kristine Thorndyke, Founder of Test Prep Nerds describes her experience: "When I quit my full-time job and jumped fully into my first business, I quickly discovered that funds were much tighter than they were with my cushy 9-to-5. I spent the first six months on an extreme budget to combat this. My partner and I managed our monthly budget in cash and used that for all expenses." The tangible nature of watching your cash diminish throughout the month creates powerful psychological incentives to spend more mindfully. Set a Weekly Cash Limit Breaking your budget into weekly allowances can make spending control more manageable and prevent early-month splurges. Jay Toy, General Manager at 88stacks , recommends: "I withdraw a fixed amount of cash at the beginning of each week, and that becomes my budget for all non-essential expenses like dining out, entertainment, and shopping. Once the cash is gone for the week, I can't spend any more until the next week." This method creates natural spending boundaries and helps you develop consistent financial habits. Treat Credit Cards Like Cash Credit cards offer convenience and rewards, but without discipline, they can lead to accumulated debt. Adopting a cash-equivalent mindset changes how you use them. Christopher Olson, General Partner at Southern Bay Realty , shares his approach: "I treat my credit cards the same as cash. As soon as I swipe my card, I make a payment to it for that amount. It's super easy with my phone app and keeps me from ever carrying a balance." This strategy allows you to enjoy credit card benefits like fraud protection and rewards while maintaining the financial discipline of cash spending. Visualize Expenditures in Work Hours Converting price tags into work hours can dramatically change how you perceive value and spending priorities. Alex Stasiak, CEO and Founder of Startup House , explains: "For every purchase you're considering, equate it to the number of hours you'd have to work to afford it. For example, if you're eyeing a new pair of shoes that costs $100 and you make $20 an hour, ask yourself, 'Are these shoes worth five hours of my work?'" This mental reframing helps evaluate purchases based on your life's most precious resource—time. Uninstall Shopping Apps and Limit Social Media Digital environments are increasingly designed to trigger spending. Reducing exposure to these triggers can significantly decrease impulse purchases. Phoebe Mendez, Owner of Pinay Mama , shares her experience: "One unique method I employed to control my spending was uninstalling all my shopping apps from my smartphone. This decision aimed to reduce the temptation of impulse buying, especially during moments of boredom or stress when online shopping can be all too convenient." She also found that "minimizing my time spent on social media platforms, as they often contain advertisements and promotions that encourage unnecessary spending" helped redirect her focus to more fulfilling and cost-effective activities. Phoebe Mendez, Ow ner, Pinay Mama Conclusion: Your Path to Financial Control Implementing even one or two of these expert-recommended methods can dramatically improve your spending habits and financial well-being. The key is finding approaches that work with your lifestyle and personality, then consistently applying them. Financial control isn't about deprivation—it's about intentionality. By making conscious decisions about where your money goes, you gain the freedom to spend on what truly matters while building toward your financial goals. Your Turn What spending control methods have worked for you? Have you tried any of the strategies mentioned above? Share your experiences and additional tips in the comments below to help others on their financial journey! Looking for more financial management strategies? Download our free " 30-Day Spending Reset Challenge " worksheet to kickstart your journey toward financial freedom.

Are you searching for a career that combines financial stability with work-life balance? As a financial coach, I often hear from people who find money management stressful. However, the right finance career not only helps you manage others' finances but can transform your own financial journey as well. To identify truly low-stress, high-paying opportunities in finance, I consulted with industry professionals who shared their insights on positions that offer reduced client interaction, predictable schedules, and impressive compensation. As an Amazon Associate , this post may contain affiliate links. Top 8 Low-Stress Finance Careers Financial Consultant Financial Analyst Accounting Portfolio Manager Personal Financial Advisor Internal Auditor Financial Planning & Analysis Manager Insurance Advisor (Risk Manager)   Financial Consultant Financial consultants help businesses and individuals navigate complex financial challenges. What makes this role particularly appealing is the objective position you hold—you're analyzing situations rather than being directly responsible for financial outcomes. "Working as a financial consultant (ChFC) allows you to use your theoretical knowledge in practice by helping companies and people avoid economic issues. Most of your clients have complex financial situations, so thanks to your expertise, you can earn well. At the same time, it's a low-stress job because you play the role of an objective indicator rather than a part of the potential problem, so all you have to worry about is analyzing the client's situation well." - Natalia Brzezinska , Marketing & Outreach Manager, US Visa Photo *Average Salary Range: $48,000 - $93,000 Financial Analyst Financial analysts research and evaluate financial data to guide investment decisions. This role typically involves minimal direct client interaction while offering substantial earning potential. "Financial analysts are responsible for researching and analyzing financial data to help their company make sound investment decisions. While the job can be demanding, it is generally considered low-stress because it does not involve direct client interaction or sales. Financial analysts typically have a background in accounting or finance, and many companies offer on-the-job training." - Benjamin Basic , Content Writer, Fast Food Menu Prices *Average Salary Range: $57,000 - $70,000 Accounting Accounting offers predictability and routine, making it one of the most stress-free options in finance. With steady demand across all industries, job security adds another layer of peace of mind. "The least stressful job in the finance sector is "Accounting." It requires you to build a routine that you can follow daily. It does not require much effort if you have the skill. An accountant is never on the counter and does not have to deal with clients face to face. One of the hardest things in accounting is the terminology. But if you have a bachelor's degree in accounting or business, you must know these terms. The best part is that accounting jobs are also quite well-paying. Another plus point is that almost every business needs an accountant, no matter the niche, so there is never a lack of job opportunities." - Tiffany Homan , COO, Texas Divorce Laws *Average Salary Range: $54,000 - $66,000 Check out my feature in:   11 Reasons to Get Your Masters' in Finance Portfolio Manager Entry-level portfolio management offers a gentler introduction to finance while maintaining impressive earning potential. With analytical support from your team, this role balances responsibility with manageable stress levels. "An introductory portfolio manager manages a team of analysts who help them make investment decisions. This job is a great way to get started in the finance industry without worrying about the high-stress levels of some other jobs. Plus, you can make a good salary and bonus with this position." - Grace He , People and Culture Director, teambuilding.com *Average Salary Range: $63,000 - $84,000 Personal Financial Advisor Personal financial advisors help individuals plan for retirement, manage budgets, and invest assets. This relationship-based role offers the satisfaction of helping others while earning an impressive income. "One low-stress job in finance that pays well is a personal financial advisor. They help people save for retirement, budget their money, and invest their assets. Personal financial advisors typically require a college degree in finance or a related field, but they can earn a six-figure salary." - Aviad Faruz , CEO, FARUZO *Average Salary Range: $57,000 - $93,000 Internal Auditor Internal auditors enjoy well-defined responsibilities and predictable workflows. This compliance-focused role offers stability with moderate complexity. "Internal auditors validate financial transactions within organizations—including payroll, benefits, invoice payments, and systems compliance. You'll prepare reports with findings and recommendations to ensure financial effectiveness while coordinating with external auditors. Projects typically have limited complexity and low stress due to the nature of serving as a checks-and-balances support role." - Annette Harris , Founder, Harris Financial Coaching *Average Salary Range: $57,000 - $69,000 FP&A Manager For those with experience, FP&A management offers excellent compensation with moderate stress levels. This analytical role involves budgeting, forecasting, and performance tracking without final decision-making pressure. "As an FP&A, you can work in any Fortune 500 or related company or pursue a career in banking structures. Regardless of the organization, you will have similar responsibilities covering putting together profit and loss, preparing summarizing reports and recommendations, or providing commercial analysis on KPIs. The FP&A manager is also responsible for business forecasting and creating financial budgets. FP&A is a 9-5 office job that involves a moderate level of stress. You are mainly occupied with making analyses, providing advice, and managing, while final financial decisions are made at other levels. With seniority, you gain flexible hours, promotions, and, of course, pay raises. As an FP&A manager, it does require 5-10 years of experience." - Nina Paczka , Community Manager,  Live Career **Average Salary Range: $116,000 - $146,000 Insurance Advisor (Risk Manager) Insurance advisors combine relationship-building with analytical skills. This role offers substantial compensation while helping clients protect their financial futures. "An insurance advisor's role is to help clients choose the right insurance policies tailored to their needs. They may also advise clients on how to use their policies best to maximize value. Success requires strong communication, problem-solving, and persuasive selling skills to succeed in the job. Product knowledge is also a must. Insurance advisors work in various settings, including banks, insurance companies, and other financial institutions. The role of an insurance advisor is of utmost importance as it affects the family's financial well-being. To make the client depend on your experience and advice, you need to be diligent and trustworthy towards your work." - Agata Szczepanek , Community Manager, LiveCareer **Average Salary Range: $107,000 - $142,000 What Makes These Finance Jobs Low-Stress? Three key factors contribute to the reduced stress levels in these finance careers: Routine Tasks  - Predictable workflows create stability and reduce uncertainty Regular Hours  - Most positions follow standard 9-5 schedules, supporting work-life balance Limited Client Interaction  - Reduced exposure to demanding clients minimizes interpersonal stress Resources to Advance Your Finance Career For those interested in deepening their financial knowledge, " How Finance Works: The HBR Guide to Thinking Smart About the Numbers " offers valuable insights into how money is raised, invested, and managed, covering various financial assets and how their values are determined by market forces. Finding Your Ideal Finance Career Path While these positions generally offer lower stress levels than other finance roles, personal fit remains crucial. Research potential positions thoroughly, considering how each aligns with your skills, interests, and personality. The right finance career can provide both financial security and the quality of life you deserve. Salary ranges represent USA national averages for entry-level positions with 0-2 years of related experience unless otherwise noted with ** (requiring 5+ years of experience).

It's the holiday season, and you probably have an event or two to attend. Whether it's an office holiday function or meeting up with family or friends, you want to look your best and stun the attendees. I've found a few affordable Amazon Fashion finds and will share them with you. These items have made me the best dressed at every function, and you will wow the crowd too! The best part is that they're surprisingly affordable and well-made. As an Amazon Associate , I earn from qualifying purchases. Anna-Kaci Women's Short Sleeve One Shoulder Sexy Sequin Top Blouse I wore this sequined top to a bling party. It sparkled and shined all night long. It had a little stretch to it, and I received many compliments. As you can see, it didn't look costumey at all, and you can wear this on multiple occasions. It's perfect for an office event or a night out on the town. The blouse was less than $40, and you can pair it with a pair of black pants right out of your closet. GOBLES Women's Summer Sexy One Shoulder Ruffle Bodycon Midi Cocktail Dress   Sexy One Shoulder Bodycon Midi Cocktail Dress I know this dress says summer, but it's perfect all year round. You can wear this dress to a gala, wedding, baby shower, or dinner. It comes in all colors, like yellow, white, red, and more. So, you can fill your wardrobe with this dress and wear it to your special occasion. My husband was floored when I put this dress on, and my daughter was even amazed. It's form-fitting but not tight and very easy to walk in. Not to mention the sleeve adds to the flair of this dress  without it being too over the top. What's the price? $40! Casual Shirt Dress High Low Irregular Hem Ruched Blouse   Casual Shirt Dress High Low Ruched Blouse All-white affair, anyone? I've seen this top worn differently depending on the occasion. Some people wear it as a dress, and others wear it as a blouse. You can pair this blouse with shorts, a skirt, or pants. I found these white tights  on Amazon as a part of an all-white affair I was attending. Typically, long dresses drag on the floor at my 5'4" height, but I didn't have that problem with this blouse. The tights can also be repurposed for work or worn casually on weekends. I'm all about repurposing outfits; these pants can be paired with anything. The outfit costs $100 and can be used at numerous all-white affairs or special events in your future. Vimoisa Women Sexy Boho African Jumper   Vimoisa Women Sexy Boho African Jumper I found the perfect African attire for the Wakanda premiere. It isn't easy to find well-made and affordable African clothing online. This jumper was less than $40 and was true to size. Typically, when I find a jumper, the fit is just awkward, and this was the first one that fit perfectly. The material wasn't too heavy, and the jumper  can be worn in the fall, winter, and even spring. This pattern is also sold as a dress, and there are other options, long, short, and various colors. All of the options range from $25 to $40. You'll turn heads! Fall Summer Deep V Neck Ruffle Long Sleeve Floral Print Dress   Fall Deep V Neck Ruffle Long Sleeve Dress Yes, this is a summer, fall, or winter dress. It just depends on where you're going, and every winter, I find someone's beach to sit on. This year is no different, and this ruffle dress  was perfect for walking along the beach and the vow renewal I attended earlier that day. I put a pin in the top because the V-neck was too deep for my taste. However, it was the perfect dress when sitting outside in the hot sun. The back also has a very sexy opening that surprised me as well. All you need is a little boob tape, and you'll be good to go. This was another find that was under $40. Whatever event you have to go to, I'm sure you'll turn heads wearing any of these outfits. You can find the perfect color, style, or size for your body type. Tell me in the comments if you've tried one of these outfits and how many heads you turned.

The holidays are around the corner, and you may need a gift but don't know what to buy. Here are a few items you can gift to hard-to-shop-for friends, associates, or family members. No more wandering the store aisles. The perfect thing can be found here! All of the items in this gift guide are under $40 for the budget-conscious consumer. Check them out before you have to pay for overnight shipping! As an Amazon Associate I earn from qualifying purchases. The Perfect Gift For Everyone on Your List Gifts For Men Gifts For Women Gifts For Babies Gift For Children Gifts For Teens Gifts For Content Creators Gifts for the Hard to Shop For Gifts for Men 1. Happy Nuts | Refresher Are you searching for the perfect stocking stuffers for the men in your life this festive season? Look no further than Happy Nuts, a brand that specializes in providing top-notch grooming products designed specifically for below-the-waist care. Happy Nuts products address common issues such as sweat, chafing, and unwanted odors, ensuring that every man feels fresh and comfortable throughout the day. Whether you're shopping for your partner, father, brother, or friend, Happy Nuts offers a thoughtful and practical gift that caters to even you. 2. Fuzzy Memory Foam Slippers These LongBay slippers are a unique and thoughtful option. They're easy to slip on and have a snug fit that doesn't slip off when you're walking around the house. The soft vegan sherpa exterior and cozy polar fleece interior provide warmth and comfort like no other. Plus, enjoy the special offer and a 12% discount from 9/29/2024 to 1/29/2025 . Don't miss out on this cozy deal! Treat the man in your life to the ultimate comfort with LongBay house slippers. 3. Aftershave for Men ERA Organics offers a men's aftershave that provides a comprehensive solution for preventing razor bumps and unclogging pores. This product is suitable for all skin types and contains natural ingredients like ginger, black walnut, and white oak bark extract to soothe the skin and address imperfections. It's also free from harsh chemicals, parabens, sulfates, and toxins, which is great for those with sensitive skin. This thoughtful gift is sure to be appreciated by any man looking for high-quality skincare products . 4. Groin & Body Hair Trimmer This trimmer is going to be a great upgrade from your current shavier. It’s easy to use and charge and provides a nice close shave with minimal effort. I appreciate the LED light and the digital display of the battery life percentage. The quick recharging time is also a plus. Aesthetically, I like the plain black body of the razor. Overall, two thumbs up! From now until December 1 take advantage of a 30% off discount , which will help you save on your holiday budget. Gifts for Women 1. Christian Motivational Tumbler This motivational tumbler is perfect for the women in your life. The 20 oz size is perfect for water or your double dose of morning coffee. The quality of the tumbler feels good, and I have a smaller one with the same kind of lid/top. It's a simple design, but it's easy to clean and keep the heat or cold in, sliding it closed when not drinking. The messaging is beautiful, and I think it's a great gift for yourself or others. It also includes a nice metal straw and a cleaner. Since the message isn't engraved, be sure to take care of it and don't put it in the dishwasher. This is probably a hand-wash-only item. Overall, I like it and think you will get a lot of use out of it. The best part is it's only $10! 2. Fuzzy Memory Foam Slippers Okay, I had to find fuzzy and comfortable slippers for women too! These LongBay slippers are just as unique and thoughtful for the ladies in your life. Whether or not they are for lounging or if you have someone who is expecting, these slippers will ensure their comfort and coziness no matter the situation. I have a deal for women too. Take advantage of the special offer of a 10% discount from now until February 2025 . Don't miss out on this cozy deal! 3. Fall/Winter Fleece Jacket This stunning jacket is designed for easy wear with a stylish button design and practical pockets for all your essentials. It's a timeless wool-blended bomber jacket that adds an edgy and chic touch to your casual outfits. A must-have for any fashion-savvy woman, it's perfect for staying stylish and cozy during the autumn and winter seasons. Plus, for a sleek and fitted look, consider sizing down. Get ready to elevate their wardrobe with this versatile and fashionable piece! Don't let the $42.99 price tag deter you. It's 30% off through 2025 . 4. Crossbody Bag for Travel When it comes to versatile accessories, this crossbody bag truly stands out as a must-have item for travel enthusiasts and fashion-forward individuals alike. Crafted with both style and functionality in mind, this bag is the perfect companion for any occasion, whether it's a weekend getaway or a casual outing in the city. The sleek design and durable materials make this crossbody bag a practical choice for those who are always on the go. The adjustable strap also ensures a comfortable fit, allowing travelers to wear it crossbody or over the shoulder with ease. Save here with an additional 20% off . Gifts For Baby and New Parents 1. Baby Bath Seat If you have kids or if you've ever tried to bathe a baby, you know how difficult it is to hold a squirming little one. It's either going to cause you back pain because you have to bend over or you have to keep the baby from slipping. This cute baby bath seat prevents back pain and helps you bathe the baby without all the stress. It comes in fun colors, and the suction cups and arms help keep the baby secure. 2. Bungee Bib & Utensil Set My granddaughter and I both love this silicone bib. Unlike cloth bibs, the Bungee silicone bib is easy to clean and catches food as it falls, reducing the need for frequent laundry and minimizing food waste. This is no ordinary bib – it also features four adjustable size settings to accommodate a growing baby. 3. Musical Toys for Baby Looking for the perfect baby gift? Consider these musical toys designed to enhance sensory experiences in infants and toddlers. They feature five nursery rhymes and seven rattle sounds and come in three vibrant colors: yellow, red, and orange. The LED light enhances vision, the silicone stimulates the sense of touch, and the sound promotes hearing development. This combination is perfect for fostering creativity in newborns. Additionally, they are made of food-grade silicone, ensuring they are entirely safe, non-toxic, and odorless. Gift Guide For Children 1. How to Catch Books The delightful How to Catch series invites young readers to join fun-filled adventures as they try to catch magical creatures, mythical beings, and sneaky characters. Each book has engaging rhymes, imaginative illustrations, and playful problem-solving that kids adore. From dragons and mermaids to the tooth fairy and monsters, these stories spark creativity and entertain readers of all ages. The How to Catch series is a must-have for every child’s bookshelf, perfect for gifts, classroom reads, or bedtime stories. Grab two or three to start the series! 2. Cute Cat Purse My daughter, who aspires to become a veterinarian, has a deep passion for this particular purse. Its versatility allows her to own it in a variety of colors so she can coordinate it with her different school outfits. The purse is compact enough not to hinder her movements or get in the way of her school bookbag, yet it still accommodates her phone and other essentials. It perfectly complements her busy school routine, adding a touch of personal flair to her everyday look. For a limited time, you may be able to get 20% off this unique cat bag ! 3. STEM Magnetic Tiles For Kids My nephews are getting these as a holiday present. If you're tired of stepping on Legos, these are a great alternative since they're flat! They help children learn about colors, geometric shapes, 3D forms, numbers, counting, and magnetic polarities. The magnet building tiles are easy to put together and easy to store away. The set includes a total of 60 pieces, with additional shapes and pieces, including car bases with high-quality wheels, and special shapes that will keep children entertained for hours. It's a great gift for boys and girls ages 3 and up. Gifts for Teens 1. Growth Mindset Journal for Teens The Big Life—Growth Mindset Journal for Teens is a fantastic tool for helping teenagers adopt a positive and forward-thinking mindset about their future. It includes captivating stories, quotes, illustrations, and writing prompts. Moreover, if you have a withdrawn teen , the journal can encourage them to open up and share more with you . The journal also teaches young individuals that mistakes present a chance for personal growth, enhances their self-esteem and resilience, and supports them in conquering the fear of failure and perfectionism. 2. Nail Polish Set Looking for the perfect gift for a trendy teen? Check out this nail polish collection that combines classic and trendy shades! With 6 trending colors, including Mint Green, Silver Shimmer, Watermelon Red, Pastel Pink, Light Blue, and Palace Green, this set will keep their nails fashion-forward and in sync with this year's popular colors. It's a fun and stylish gift that any teen will love to coordinate with their fall and winter outfits. 3. Remote Control RC car Are you searching for the perfect gift to captivate and entertain your teenager? Look no further than the exhilarating world of RC remote control cars . This RC car is not just any ordinary toy; it is a high-speed, adrenaline-pumping machine that can conquer a wide range of terrains with ease. Whether your teenager is a thrill-seeker who craves speed or an outdoor enthusiast who loves exploring different landscapes, this RC car is sure to provide endless hours of entertainment and excitement. Give the gift of adventure and fun with this RC remote control car that promises to keep your teenager engaged and entertained for hours on end. Gifts For Content Creators 1.   MagSafe Phone Holder for Stanley Cup Let me tell you, it is challenging to get your camera angle right if you don't have the appropriate phone holder. This phone holder is sturdy and can be clamped just about anywhere, even on your Stanley Cup. The MagSafe Phone Holder is for Zoom videos, YouTube videos, or even Facebook live events, from the kitchen counter to the office desk. 2. UBeesize 10" Selfie Ring Light with 50" Extendable Tripod Stand & Phone Holder Many ring lights are available now, ranging from $30 to $100 and up. The UBeesize ring light is affordable lightweight, and enables you to adjust the lighting with the click of a button. It's also very sturdy and can be moved to any room in the house or even used outdoors. This is one of my favorite purchases and holds steady after years of use. The best part is it's less than $35. 3. Veleasha Eyelashes 7 Styles Faux Mink Lashes - Reusable Lights, camera, action! But wait, is your face ready? Many content creators are the face of their brand, so makeup , eyelashes, and accessories are essential for the video shoot. The most exciting thing about the Veleasha Eyelashes is that they are reusable! Variety is the spice of life, and these lashes give all of that! Tip: My daughter loves these lashes and reuses them repeatedly, and they look good from day to day. Gifts for People Who Are Difficult to Shop For 1. Give the Gift of Amazon Prime Perfect as last-minute gifts or for those who have it all. Some key Prime benefits: FREE Two-Day Shipping on millions of items No minimum order size Instant streaming of thousands of movies and TV shows Unlimited, ad-free access to over a million songs and hundreds of playlists 2. Audible Gift Memberships  If you know an avid reader, this gift keeps them engrossed in their next adventure or self-help book. Every Premium Plus gift membership  includes: The Plus Catalog: the all-you-can-listen catalog including thousands of audiobooks, podcasts, and originals 1 credit a month, good for any title in the app to keep forever All the best audio entertainment, all in one free app Here are a few additional tips for saving money on holiday gifts: Set a budget and stick to it. Don't feel obligated to buy a gift for everyone on your list. Make a list of gift ideas and cross them off as you buy them. Shop around for the best prices. Consider giving gifts that are homemade or secondhand. Don't forget the importance of giving thoughtful gifts. By following these tips, you can create a holiday gift list that's both festive and frugal. With a bit of creativity and planning, you can find the perfect gifts for your loved ones without breaking the bank.

Are you searching for ideas on how to have a budget-friendly Halloween? If you're looking to celebrate Halloween without breaking the bank, there are plenty of ways to have a great time without spending too much money. By following some simple tips and tricks, you can create a fun-filled Halloween experience that you and your loved ones will treasure for years. Whether it's getting creative with your costumes, making your own decorations, or finding low-cost ways to enjoy spooky treats and activities, there are plenty of ways to have a great time without breaking the bank. As an Amazon Associate , this post may contain affiliate links. How to Budget for an Affordable Halloween Skip the Store-Bought Costumes Shop at Discount Stores for Decorations   Host a Free or Low-Cost Halloween Party   Volunteer Your Time Bring the Kids to a Free Event Make the Most of Your Pumpkin Have a Costume Contest Watch Halloween Movies Visit a Pumpkin Patch Skip the Store-Bought Costumes With a bit of creativity and resourcefulness, you can easily find affordable and unique costume ideas online  or at a nearby thrift store. Don't be afraid to put your own personal touch on your costume by incorporating your own clothes and accessories. For example, a simple outfit and some fake blood can easily transform you into a spooky zombie. Shop on Amazon for Decorations When it comes to Halloween decorations, my favorite spot is Amazon for decorations under $20. Amazon is a great place to find affordable Halloween decorations. You can find a variety of spooky decorations like plastic pumpkins, fake spiders, and eerie tablecloths and napkins. If you're looking for even more budget-friendly options, thrift stores and garage sales often have good deals, too. Here are a few of my favorite items under $20! Halloween Lawn Decorations Ready to add some spine-chilling excitement to your home this Halloween season? Transform your space into a spooky showcase with playful skeletons and various seasonal adornments, ideal for gatherings or setting a ghostly ambiance for Halloween visitors! Get your yard decor here! Halloween Indoor Decorations These Halloween string lights feature a distinctive design. The eerie illumination can help your home stand out during Halloween night. The Skeleton Hand shape is functional and artistic, bringing a whimsical element to your Halloween decorations. You can illuminate your Halloween decor with a simple press, setting a mysterious mood. Get your lights here ! See my feature in Real Simple How to Budget for the Holidays   Host a Free or Low-Cost Halloween Party Why not host a party at home instead of going to a bar or restaurant? You can affordably provide some simple food and drinks while inviting your guests to bring their own costumes. It's also a great idea to ask your guests to bring a dish to share while you provide the main course or dessert. Volunteer Your Time If you're looking for a way to celebrate Halloween while positively impacting your community, consider volunteering at a local soup kitchen or homeless shelter. Not only will you be able to enjoy the spooky holiday and save money, but you'll also be able to help those in need. Volunteering at these organizations can involve preparing and serving meals, organizing donations, and assisting individuals experiencing homelessness. It's a great way to give back and make a difference in the lives of others. Bring the Kids to a Free Event Numerous communities across the country present a plethora of free Halloween festivities, including trunk-or-treat activities held at local schools or churches. These events offer a convenient and cost-effective way for families to celebrate this beloved holiday without breaking the bank. These events are held during school hours or earlier in the day, so you don't have to stay out late at night going door to door. Make the Most of Your Pumpkin Instead of just carving your pumpkin and throwing it away, consider repurposing it into tasty treats such as pumpkin soup, bread, or pie. Not only will this help reduce waste, but it's also a great way to use the entire pumpkin and enjoy some delicious meals. So next time you're done with your pumpkin carving, save those seeds and get cooking! Check out The Great Big Pumpkin Cookbook  for inspiration for your next fall get-together. See my feature in U.S. News 10 Simple and Free Budgeting Tools Have a Costume Contest Instead of Giving Out Candy Planning a costume competition is an excellent initiative that can engage all members of the community while simultaneously providing a cost-effective alternative to distributing candy. It is a fantastic opportunity for people to showcase their creativity, express themselves, and bond with each other in a fun-filled environment. Moreover, it can foster a sense of camaraderie and promote a positive community spirit. Overall, organizing a costume contest is a well-thought-out idea that can benefit everyone involved. Include party favors so your guests can remember the event and continue the fun. Need a promo code to save even more? Use code UPBRANDS59 for orders over $59 to save an additional 6%. Spend Time at Home Watching Halloween Movies To fully immerse yourself in the Halloween spirit, why not whip up some delicious popcorn and settle down on the couch to enjoy an array of classic Halloween movies? Some great options to consider include "Hocus Pocus," "The Nightmare Before Christmas," and "Beetlejuice." These movies are sure to provide the perfect blend of spooky and fun for a memorable Halloween movie marathon. Enhance the fun at home by using Halloween placemats . Young children can have fun coloring the spooky designs on durable, premium paper, while older kids can engage in word searches, seek-and-find puzzles, and more! Visit a Pumpkin Patch In the past, my children loved visiting Pumpkin Patches during the autumn season. Pumpkin patches offered an overload of exciting activities, including games, bounce houses, corn mazes, hay wagon rides, petting zoos, and other fun fall foods to enjoy. It was an excellent way for them to revel in the joys of autumn and create unforgettable memories. What's Next? Don't let a tight budget hold you back from enjoying the spooky season - with a little bit of creativity and planning, you can have the Halloween of your dreams without spending a fortune! So, why not give it a try and see how much fun you can have while still sticking to your budget? Here are some additional tips for staying safe on Halloween: Trick-or-treat with a buddy.  It's always safer to go trick-or-treating with a friend or family member. Stay in well-lit areas.  Avoid going trick-or-treating in dark or isolated areas. Don't eat any candy that you haven't opened yourself.  This is to avoid getting sick from tampered candy. Be aware of your surroundings.  Don't walk alone, and be careful crossing the street. I hope these tips help you have a safe and affordable Halloween!

Are you a wanderlust at heart, always dreaming of your next adventure? If you've been following me for a while, you know I love to travel ! So, do you want to look stylish on your travels without breaking the bank? I've curated a list of the best budget-friendly fashion finds and summer essentials on Amazon, perfect for your travels or relaxing days at home. As an Amazon Associate , I earn from qualifying purchases. Summer Fun at Home and Abroad Effortlessly Stylish Crochet Finds Country Gingham and Grammar Staying Fit and Cool at Home Let's dive into our top picks for this summer: Effortlessly Stylish Crochet Finds: Versatile Pieces for Travel & Relaxation Simplify your travel wardrobe with versatile crochet pieces! Perfect for long flights, beach days, or casual outings, these items offer comfort and style without the need for complex coordination. Crochet Swimsuit Cover I've been absolutely loving this cover-up! It provides great coverage and is the perfect length for me at 5'4". It's so lightweight and comfortable that I've worn it several times. Plus, the neutral color goes with everything, making it a versatile and stylish piece for my wardrobe and yours! Men's Knit Button Down Short Sleeve Polo The vintage design of this amazing shirt, combined with the short sleeves and button-down feature, gives it a classy yet casual look that's perfect for any occasion. The knit texture adds a unique touch that sets it apart from other shirts. Comfort is outstanding—the fabric is soft and breathable, the fit is just right, and it maintains its comfort even after a full day of wear. The quality is equally impressive, with sturdy stitching and securely attached buttons that have held up well after several washes. My husband couldn't be happier with this shirt—it's a winner! Summer Mini Dress with a Crochet Hem Comfort is essential, especially for everyday activities. This summer dress is versatile, suitable for work, the beach, or home, and easy to style. Its lightweight knitted fabric provides a unique texture, keeping you cool on hot days. The dress accommodates a regular bra and cleverly conceals tummy imperfections, boosting confidence. This summer dress is a valuable addition to any wardrobe with its comfort and versatility. Two Piece Summer Knit Set Looking to add some flair to your summer wardrobe? Check out this fabulous two-piece knit set! The sleeveless top and wide-leg pants make for a stylish and comfortable option. Consider sizing up for that perfect flowy look to avoid material hugging your body. Although the fabric is on the thinner side and slightly see-through, you can easily solve this by wearing a thin white top underneath. Country Gingham and Grammar Yes, the influence of Beyoncé's latest album and the current trend in country music has sparked a resurgence in fashion choices. Combining denim and plaid has become popular, blending urban chic with rural charm. Beyoncé's music exudes confidence and empowerment, which translates into a bold and expressive fashion sense. So, whether you're rocking denim and plaid in the city streets or at a country music festival, you're sure to make a stylish statement that captures the essence of urban cool and rural charm. Western Cowgirl Cowboy Ankle Boots These Western Cowgirl Cowboy Ankle Boots fit just right and leave enough room in the toe area to prevent discomfort. The pointed-toe design adds a touch of elegance, while the inside zipper makes them easy to put on and take off. The stitching detail on the boots showcases quality craftsmanship and lets you know they will last a long time. Also, the low heel gives you a little lift without discomfort, especially when you're at a concert or riding an ATV. Paisley Print/Solid Bandana Tube Crop Top The Paisley Print/Solid Bandana Tube Crop Top is perfect for a hot day out or a summer concert. The lively paisley print can complement any outfit beautifully. It comes in over 20 colors, so you can mix and match it with multiple outfits. It's also double-lined, which offers ample support without the need for a bra. Moreover, the lightweight fabric makes it easy to wear so that you can move and dance freely. Denim Overall Shorts Jean Romper with Pockets When it comes to casual yet stylish summer outfits, these Denim Overall Shorts Jean Romper with Pockets are a must-have. The relaxed, baggy fit not only provides comfort but also exudes a trendy and effortless vibe. Pairing these overall shorts with a fitted ribbed tank  underneath creates a chic and balanced look. The contrast between the loose silhouette of the romper and the snug fit of the tank top adds dimension to the outfit, enhancing its overall appeal. Plaid Square Neck Crop Tank - Gingham Lace This Gingham Lace top not only looks cute but also offers a comfortable, stretchy fit that stays true to size. The intricate lace detailing adds a touch of elegance to the overall look, making it a versatile wardrobe staple for the summer season. Whether you pair it with high-waisted denim shorts for a casual day out or dress it up with a flowy skirt for a more sophisticated ensemble, this top is sure to make a statement. Staying Fit and Cool at Home It's been an extremely hot summer, and staying cool should be at the top of your list. However, drinking water doesn't have to be boring, and there are so many other beverages you can drink while watching a movie or getting fit. Below are a few items that can help you stay cool this summer. Stanley Cup Ice Cube Silicone Tray This is my favorite ice mold! What's really neat about the Stanley Cup Ice Cube Tray is how perfectly it fits your cup and straw—no more struggling with giant ice cubes that won't fit or tiny ones that do nothing. These heart-shaped ice cubes are just the right size to chill your drinks without any hassle and don't block your straw. It is a little floppy, so put it on a saucer so you won't spill water when walking it to the freezer. Countertop, Portable Ice Machine Portable ice makers like the COWSAR  offer convenience by quickly producing ice on demand, eliminating the need to buy bags of ice or wait for ice cube trays to freeze. It's compact and suitable for small kitchens, RVs, or other limited spaces when you're traveling. They typically produce ice cubes in a relatively short amount of time (6 to 15 minutes), and many models have a self-cleaning feature to simplify maintenance. I prefer this ice maker because I hate the hotel lobby ice makers. Slim Compact Treadmill If you haven't started our summer workout routine, it's not too late. With the Sunny Health and Fitness Treadmill , you don't have to endure the summer heat. Whether you're a fitness enthusiast looking to enhance your training or a beginner taking the first steps towards a more active lifestyle, this treadmill offers a convenient and effective solution to stay fit and motivated all year round without the gym costs. The Summer I Turned Pretty The Summer I Turned Pretty, a coming-of-age romantic drama on Amazon Prime , follows Belly Conklin, a teenager on the cusp of 16. Belly escapes to Cousins Beach with her mom and brother each summer, reuniting with their close family friends, the Fishers – Susannah (practically a second mom) and her sons, Conrad and Jeremiah. This summer feels different, though. The series explores a love triangle, friendship and family, and self-discovery. If you're looking for a show with romance, summer vibes, and the complexities of growing up, The Summer I Turned Pretty is a delightful watch on Amazon Prime. What are you going to get into this summer? Ready to elevate your summer style and stay cool? Explore these budget-friendly Amazon finds today! Head to Amazon Prime and discover these stylish picks today! Here's a free Amazon Prime trial offer just for you. What are your summer plans? Share your favorite finds and travel adventures in the comments below! Happy travels, stylish adventures, and a relaxing summer! ✈️🌍🛍

Photo by JESHOOTS via Unsplash The Temptation and Trap of Payday Loans When cash is tight, payday loans can seem like a lifeline. Some people use payday loans as a back option to ensure that their account balance doesn't get too low or to have a certain dollar amount in their bank account. However, this convenience often comes at a steep price, trapping many in a cycle of debt. You're not alone if you've found yourself relying on these short-term loans. But there are healthier, sustainable alternatives. Understanding the High Cost: Payday Loan Interest Rates One of the most significant drawbacks of payday loans is their exorbitant interest rates. Typically, these loans carry an Annual Percentage Rate (APR) of 400% or more . To put this in perspective, borrowing $200 could result in paying back $800 or more in interest and fees within a year. This makes it incredibly difficult to escape the debt trap. If you are really cash-strapped, other alternatives may help get you to the next payday. One option is talking to your creditors or utility company to see how your payments can be adjusted or delayed until you have the cash to make your next payment. You will be surprised how flexible some companies are when requesting a payment extension or reduction. See my feature in   10 Signs Your Spending is Out of Control - and How to Address It   Short Repayment Terms Payday loans usually have to be repaid within a few weeks or on your next payday, which can be difficult if you're already struggling to make ends meet. If you have had a payday loan, did you find yourself in a deeper financial hole when it was time for you to close the loan? Did you have to get another payday loan to repay the original one? The short repayment term is built into the loan so that you can repeatedly return to the payday lender. It can also make it challenging to come up with the funds to pay off the loan in full, which can lead to rolling over the loan and incurring more fees and interest. Payday Loans are Easy to Access Payday loan lenders are on every street that you drive down. Today, you can also find online payday lenders that don't require a credit check or are okay if you have bad credit. This can make it tempting to use them as a quick solution to financial problems, even though they come with high costs. The lenders don't care if you have bad credit or if you don't have the means to repay the loans. Typically, you will have to put down some sort of collateral, like your car or home. The lenders know you don't want to lose these valuable items, so they are willing to let you put everything on the line to get you to the next payday. You Have Limited Options Payday loans may seem like the only option if you have limited access to credit or are facing financial emergencies. This can be especially true if you don't have good credit or cannot qualify for other types of loans. If you've been declined by your local bank or your family or friends cannot provide assistance, it can cause even more financial turmoil. However, there are ways out of the cycle of using payday loans. See my feature in Yahoo Black Americans Are More Likely to Be Denied Credit   Breaking Free: Alternatives to Payday Loans Instead of resorting to payday loans, consider these strategies: Negotiate with Creditors and Utility Companies:  Many companies are willing to work with you on payment plans or extensions. Contact them directly to discuss your options. Budgeting and Expense Tracking:  Gain control of your finances by creating a budget and tracking your spending. Identify areas where you can cut back. Emergency Savings:  Build a small emergency fund to cover unexpected expenses. Even small contributions can make a difference. What's Next? To break the cycle of using payday loans, you can seek additional alternatives, such as financial assistance from local non-profits or government programs. You can visit sites like findhelp.org  to help you find options in your local zip code for financial aid, food, work, healthcare, and transportation resources. You should also consider working with a financial counselor  who can help you develop a plan to manage your finances and avoid relying on payday loans in the future.

Photo by Eli Solitas on Unsplash The question of what happens to debt after a loved one passes away is a common and often confusing concern. While the saying "death absolves all debts" might sound comforting, the reality is far more complex. When an individual dies, their outstanding debts don't simply vanish. Instead, creditors seek to collect from the deceased's estate. Let me clarify the intricacies of debt inheritance, providing answers to crucial questions and offering guidance on how to navigate this challenging situation. Who Acquires Your Debt When You Die? When you die, your debt does not die with you. Creditors will still try to collect the debt, but they will have to go through your estate to do so. Questions your loved ones may have are: Can Creditors Seize Life Insurance or Retirement Funds? Generally, life insurance proceeds and retirement accounts with designated beneficiaries are protected from creditors. However, if the estate is the beneficiary, these assets may be subject to claims. Are There Limits to Debt Collection From an Estate? Yes, state laws dictate the priority of creditor claims and may offer exemptions for certain assets. How Can I Minimize the Impact of Debt on My Loved Ones? Proactive estate planning, including clear wills and trusts, can help protect assets and streamline the debt settlement process. What Legal Protections Exist for Heirs? Heirs are generally not personally liable for the deceased's debt unless they co-signed or live in a community property state. Here are a few answers to the questions I get the most often regarding who acquires your debt when you die. Who Is Responsible for the Deceased's Debt? Generally, you are not responsible for someone else's debt if it is listed solely in their name. A lender cannot come after you to pay off the debt if no money is available in that person's estate. On the other hand, if that individual had bank accounts or other property in their name, the balance of the estate could be required to pay off the remaining debt. There could be other reasons you may be responsible for paying off the deceased's debt. See my feature in Are Americans Afraid of their Credit Card Debt?   Reasons you may be responsible for paying off the deceased person's debt? You co-signed the debt. If you co-signed to be responsible for a debt with another individual and they pass away, you will be required to take over the debt payments for the remaining balance. Co-signing on a debt with another individual means that if, for any reason, the other party does not make a payment, you will be responsible for the debt. If you don't pay the debt, it could affect your credit rating, and creditors could come after you for defaulting on the debt. You live in a community property state. Community property states are states in which property or debt acquired by one spouse is also the other spouse's property. This means that if your spouse buys a Harley Davidson and you never drive it, pay for it, or wanted to purchase it, you are also the owner and responsible party for any debt incurred. There are nine community property states, so it's important to be on the same page with your spouse when purchasing property and incurring debt. State law requires you to pay for your parent or spouse's debt. Some states may require you to pay the debt of your parent or spouse. For example, if either of these individuals passed away and had remaining medical expenses, the hospital may require that you pay for the debt. Some debts cannot be discharged, and healthcare expenses are one of them. For the most part, some community property states are in the majority when requiring a spouse or child to take on the deceased's debt. In addition, if you signed something in the hospital stating that you would be responsible for medical costs incurred, you could be the responsible party after death. You are the executor of the estate. If you are the executor of the state and responsible for discharging the deceased person's debt, then you are legally responsible for settling their estate. As the executor, you will have access to all the individual's remaining funds, property, and debt. You should settle the estate appropriately if they have funds available to address outstanding debt. If you don't, you could be subject to court proceedings. What happens if a debt collector calls? If a debt collector calls, they are permitted to ask for some basic information regarding the payment of the debt and to find the contact person responsible for executing the estate. The debt collector can call and ask for a spouse's information or who the executor of the estate is. The executor is responsible for settling the debt if funds are available. However, you have the right to ask the debt collector to stop calling you after the first instance. Debt collectors cannot harass or threaten you. They should be reported to the appropriate state organization and the Federal Trade Commission if they do. Estate Planning: A Crucial Step Proper estate planning is essential for minimizing the impact of debt on your loved ones. A well-crafted will and trust can help protect assets and ensure a smooth debt settlement process. Consulting with an estate planning attorney can provide you with personalized guidance.

Photo by Natasha Hall on Unsplash Managing your finances effectively often requires guidance from trusted sources. With countless financial resources available, finding the right books can be overwhelming. After reading numerous financial guides, I've identified three transformative books that stand out for their practical advice and life-changing strategies. The Financial Books That Changed My Financial Journey These powerful resources have taught me that financial mistakes are universal, but with the right knowledge and communication, achieving your financial goals is absolutely possible. As an Amazon Associate , I earn from qualifying purchases. 1. 'Profit First: Transform Your Business from a Cash-Eating Monster to a Money-Making Machine' by Mike Michalowicz Mike Michalowicz revolutionizes business finance with his groundbreaking "Profit First" methodology. Unlike traditional accounting approaches, Michalowicz teaches entrepreneurs how to: Set up separate business banking accounts (profits, salary, taxes, and expenses) Pay themselves first instead of treating owner compensation as an afterthought Transform cash-draining businesses into profitable enterprises The genius of the Profit First method lies in its simplicity: by physically separating your funds, you gain immediate visibility into your business's true profitability. This system ensures entrepreneurs can maintain a sustainable business while still covering necessary expenses and paying themselves appropriately. 2. 'Rich Bitch: A Simple 12-Step Plan for Getting Your Financial Life Together...Finally' by Nicole Lapin Nicole Lapin's refreshingly honest "Rich Bitch" chronicles her personal financial journey while providing a flexible 12-step plan for financial organization. What makes this book uniquely valuable: Real-life financial situations that readers can directly relate to A non-linear approach allowing you to address your specific financial challenges Practical advice tailored to different financial circumstances and goals Lapin understands that everyone's financial situation is unique, encouraging readers to customize her plan rather than following a rigid system. Her transparent approach to discussing money challenges makes financial planning accessible to those who might otherwise feel intimidated. Tips For Increasing Your Family's Financial Wellness 3. 'Rich Dad Poor Dad' by Robert Kiyosaki Robert Kiyosaki's "Rich Dad Poor Dad" offers contrasting financial philosophies through the lens of advice from two father figures. This influential book emphasizes: The importance of early financial education for building lifelong money habits How your social circle significantly impacts your financial success The distinction between assets and liabilities in building wealth Kiyosaki's compelling advice about evaluating your social connections resonates deeply—if your friends' financial mindsets don't align with your goals, you may need to reconsider these relationships. This powerful perspective encourages readers to surround themselves with people who support their financial aspirations. See Where Americans Get Financial Advice How These Books Bridge Financial Knowledge Gaps Financial literacy forms the foundation of sound money management. These three books provide complementary approaches to: Structure business finances for sustainable profitability (Profit First) Organize personal finances with flexibility and authenticity (Rich Bitch) Develop a wealth-building mindset and supportive financial environment (Rich Dad Poor Dad) By implementing the strategies from these resources, you can avoid common financial pitfalls and create a clear path toward your financial goals. The journey from your current financial situation to your desired outcome becomes much more navigable with these proven frameworks. Your Next Steps Toward Financial Transformation Ready to revolutionize your relationship with money? Start with the book that addresses your most pressing financial challenges: For business owners struggling with profitability: Begin with "Profit First" For individuals needing practical money organization: Start with "Rich Bitch" For those seeking to develop a wealth-building mindset: Dive into "Rich Dad Poor Dad" Remember that financial improvement is a journey, not a destination. These books provide the roadmap—the rest is up to you. Have you read any of these financial guides? Share your experiences in the comments below!

Are you tired of the same old 9-to-5? Florida's booming economy has created a hotbed of opportunities for those looking to switch things up. Want to know where the real cash is? Let's dive into the fastest-growing jobs in the Sunshine State. * These jobs are on the rise and are expected to continually increase over the next ten years. From tech to healthcare, there's something for everyone. Some of these might surprise you! Keep reading to find out if your dream job is on the list. Top 10 Fastest Growing Occupations in Florida Nurse Practitioners Data Scientists Physician Assistants Information Security Analysts Machine Feeders and Operators Software Developers Medical and Health Services Managers Physical Therapist Assistants Nursing Instructors Taxi Drivers 1. Nurse Practitioners (NP) Nurse Practitioners (NPs) play an important role in delivering primary healthcare services, diagnosing and treating illnesses, prescribing medications, and performing procedures across various settings like clinics, hospitals, schools, and community health centers. They are essentially the first point of contact you encounter in a healthcare setting and provide you with education, preventive measures, and holistic well-being to ensure patient care. With a median salary of $120,000 annually, NPs typically hold a Master's degree or Doctor of Nursing Practice (DNP), and the profession is in high demand due to aging populations, healthcare shortages, and a growing focus on preventative care. See my feature in 9 Alternative Careers for Nurses 2. Data Scientists Data scientists help businesses make data-driven decisions, develop new products and services, and improve operational efficiency. As a data scientist, you would use statistical and machine learning techniques to analyze large datasets and extract meaningful insights. In a nutshell, you take data and interpret it into easy-to-understand language so that others can create goals and objectives and identify where they should focus their attention. Data scientists are in high demand across various industries, from technology and finance to healthcare and marketing. The average salary in Florida is about $95,000 annually; with experience, it may not require a degree. 3. Physician Assistants (PAs) Physician Assistants (PAs collaborate with physicians to deliver medical care, which involves diagnosing and treating illnesses, conducting procedures, and prescribing medications. Similar to a Nurse Practitioner, they are typically employed in clinics in family practice clinics, urgent care facilities, and hospitals. They play a vital role in diagnosing and screening patients who may eventually require care from a medical doctor. They tend to serve in diverse areas, which is particularly beneficial in areas with limited access to services. As a PA, you could earn, on average, $125,000 annually after receiving a Master's degree in Health Sciences for Physician Assistant Studies. 4. Information Security Analysts Information security analysts protect computer systems and networks from cyberattacks by identifying vulnerabilities, implementing security measures, and responding to incidents. They play a crucial role in safeguarding sensitive data, preventing data breaches, and ensuring compliance with regulations. The demand for information security analysts has surged due to increasing cyber threats and the growing reliance on our digital devices and technological advancements. The average salary is $100,000 per year, and to qualify for this job, along with other technological jobs, you may not need a degree. However, a computer science or cybersecurity bachelor's degree can give you a competitive advantage. 5. Machine Feeders and Operators In the past, machine feeders and operators used to receive the standard minimum wage. Many of these positions are unionized and have an above-average hourly pay rate. Due to competition and other factors, non-unionized roles are now required to offer a higher hourly wage. Machine operators are responsible for loading materials, operating machinery, and ensuring product quality control in manufacturing facilities. These positions play a crucial role in maintaining production lines and upholding the quality of manufactured goods. Although the job can be physically demanding, it provides stable employment and can provide opportunities for career growth within the manufacturing sector. The average hourly wage in Florida is approximately $19, and a high school diploma may not be necessary to qualify for these positions. 6. Software Developers You would design, create, and test software applications and systems as a software developer. Software developers play a vital role in developing new technologies, improving existing software, and driving innovation across various industries. Software developers are in high demand due to the increasing reliance on technology and the constant evolution of digital products and services. To start your career as a software developer, you may or may not need a bachelor's degree. Again, this is another job where experience holds a lot of weight. If you obtain a Bachelor's degree and have some experience, you could earn an average salary of $120,000 annually. 7. Medical and Health Services Managers Medical and health services managers oversee healthcare facilities' daily operations, ensuring policy compliance. They manage tasks like employee physicals, injury diagnosis, and OSHA referrals. They may also be responsible for ensuring that medical records and other files are kept in appropriate order and for managing employees. Health service managers may also be responsible for budget management and staff-patient coordination depending on the size and type of facility they work in. The average salary in Florida is $105,000 annually if you hold a bachelor's degree in business or healthcare administration. 8. Physical Therapist Assistants Physical therapist assistants work under the supervision of physical therapists. If you've had an injury, you've probably attended numerous physical therapy appointments to help improve your mobility and function through therapeutic exercises and treatments. Physical therapy assistants are in high demand due to the aging population and increased focus on preventative care. You can become a physical therapy assistant after you earn your associate's degree in physical therapy assisting. You could earn, on average, $65,000 annually. 9. Nursing Instructors Nursing educators train nursing students and equip them for roles in the healthcare sector. They are crucial in guiding the upcoming cohort of healthcare practitioners and maintaining a skilled nursing workforce. As a nursing educator, you may instruct nurse practitioners, physician assistants, and individuals aspiring to join nursing. The rising need for competent nursing professionals underscores the necessity for more nursing educators who can provide guidance, tutoring, and academic support to influence the evolution of healthcare provision. Typically, most academic programs mandate a Master's degree or PhD in nursing education for eligibility. In Florida, the average annual salary for nursing instructors is $81,000. See my feature in 12 Alternative Careers for Teachers 10. Taxi Drivers Are you familiar with Uber and Lyft? If not, they are considered a taxi service where drivers transport passengers to their destinations in exchange for a fee. In certain areas, traditional taxi services have encountered difficulties due to the rise of ride-sharing services. Nevertheless, there remains a demand for both taxi and ridesharing services, allowing both to coexist, expand, and be profitable. The average hourly rate for taxi drivers is currently $15 and is expected to increase as demand rises. One advantage of this profession is that it does not require any specific education, making it accessible to many with a valid driver's license. What's Next? As you can see, many jobs in the technological and healthcare industry are on the rise. If you are getting ready to join the workforce or thinking about changing careers, it's a good idea to start planning for your future career now. These jobs offer attractive salaries and long-term stability due to ongoing technological progress and the persistent demand for healthcare professionals. See my feature in What Does It Take to Transition to a New Career? Source: *Information gathered from Florida Jobs and Florida Commerce, Bureau of Workforce Statistics and Economic Research.

Photo by Marc Najera via Unsplash When considering retirement, it's easy to feel inundated by the details. Rest assured, you're not alone! Here, you'll discover valuable insights from financial experts ready to assist you in planning a secure retirement future. These straightforward strategies will guide you toward achieving the retirement you've always dreamed of. Let's embark on this journey together! Tips to Improve Your Retirement Savings Strategy Create a Balanced Long-Term Plan Automate Your Retirement Savings Increase Income to Save More Plan Conservatively and Review Regularly Automate Contributions and Use Index Funds Start Small and Think Long-Term Invest in Real Estate for Early Retirement Diversify with a Precious Metals IRA Use SEP-IRAs and Cash Balance Plans Create a Balanced Long-Term Plan When approaching retirement savings, I focus on creating a balanced, long-term plan. Life changes, and I need to stick to a savings plan that aligns with my financial goals and risk tolerance. When I worked for an employer, I took advantage of employer-matching contributions and made automatic contributions from each paycheck to make saving consistent and effortless. As an entrepreneur, I contribute to my Simplified Employee Pension (SEP) while staying mindful of my spending habits because it impacts a healthy savings rate. For someone just starting or looking to improve their retirement savings strategy, my top tip would be to start as early as possible, even if contributions are small. Time is one of the most powerful tools for growing wealth due to the compounding effect. Creating a clear vision of your retirement goals can help you stay motivated and make informed decisions. Educating yourself about different investment options and seeking professional advice to optimize your plan is also essential. Finally, consistently increasing contributions as your income grows can significantly boost your retirement nest egg. The combination of discipline, time, and smart investing is key. Simone Sloan , Executive Strategist, Your Choice Coach Automate Your Retirement Savings Saving for retirement is all about consistency and starting early. The earlier you begin, the more time your money has to grow through the power of compounding. Even small, regular contributions can make a big difference over time. One tip I'd give someone just starting out is automating your savings. Set up a monthly automatic transfer to a retirement account, like a 401(k) or IRA. Treat it like a non-negotiable expense, just like rent or utilities. If your employer offers a 401(k) match, prioritize contributing enough to get the full match—it's essentially free money. If you want to improve your strategy, revisit your investments regularly. Make sure your asset allocation aligns with your goals and risk tolerance, and adjust it as you approach retirement. By monitoring fees and ensuring your contributions increase as your income grows, you can maximize your savings over time. Matthew Odgers , Estate Planning Attorney, Opelon LLP See our feature in U.S. News & Worlds Report A Guide to 401(k) Vesting . Increase Income to Save More Pay yourself first by increasing your income, not just cutting expenses. Too many focus only on cutting costs, but you can't save your way to wealth. Instead, invest in developing skills, starting side hustles , or building a business. Invest in stocks, bonds, or commodities to maximize your retirement savings if you already have money saved. The more you grow your income, the more you can save and invest for retirement without feeling restricted. Johannes Larsson , Entrepreneur, Johannes Larsson Plan Conservatively and Review Regularly Planning is the cornerstone of retirement savings. A good plan is more than simply a set of numbers; it's a personalized roadmap that connects where you are now to where you want to go. The goal is to remain adaptable because life is full of twists and turns, and your strategy should adjust appropriately. Begin by identifying your retirement goals. What type of lifestyle do you envision? When would you like to retire? Once you have a vision, be conservative in your estimations. Overestimating your spending and underestimating your returns ensures you're ready for anything that comes your way. If you're just starting, my suggestion is simple: start small and build up gradually. Time is your greatest ally, and compounding can do wonders for your money. A few dollars saved now and invested consistently can compound into something large over time. For those trying to improve their approach, make it a habit to review your plan frequently. Life does not stand still; whether it's a new job, a financial windfall, or an unanticipated obstacle, your plan should adapt to match your present situation. Saving for retirement does not have to be difficult or flawless; it simply requires consistency and the willingness to adapt. You are laying the groundwork for a safe and rewarding future by taking deliberate steps today. Chad Harmer , Founder, CIO, and Financial Planner, Harmer Wealth Management Check out the MoneyRates Retirement Planning Guide . Automate Contributions and Use Index Funds After decades of handling retirement strategies, watching account balances grow through market cycles proves that compound returns dominate in the long run. Most successful retirement savers automate their monthly contributions and let the math work its magic.  Leaving employer matching money on the table makes zero sense—that's instant free cash getting walked away from. Getting that match should come first. Then, the focus climbs up to saving around 15% between accounts. Overthinking investment choices tends to backfire. Solid index funds do the job without the drama.  But retirement isn't just a math game. Some folks realize they want to consult part-time rather than quit cold turkey. Others dream about globetrotting or staying local with grandkids. Each path needs its own savings target.  The best strategies transcend pure numbers. Start with whatever is doable, then bump it up as income rises. Savvy investors should funnel whatever feels comfortable and up to half of each raise straight into retirement before lifestyle creep sets in. Those early contributions pack an extra punch thanks to decades of growth potential.  See our feature in Nasdaq: Retirement Savings: 5 Steps To Take Now If You Want a Comfortable Retirement . Look at retirement planning like building a dream house—lay the foundation first with steady savings, then adjust the blueprint as goals evolve. The beauty lies in letting compound interest do the heavy lifting while crafting a lifestyle that brings genuine satisfaction.  Money stashed away today buys freedom tomorrow. That's the real power of retirement saving—creating options for whatever life phase comes next. Eric Grogan , Estate Planning Attorney, Grogan Law, PLLC Start Small and Think Long-Term Start small if you are just starting out or looking to improve your savings strategy. You won't double an account value overnight via returns, so manage expectations by thinking long-term. Yes, you may need money sooner and have other cash flow constraints, so think about a percentage of your income or salary deferral. Over time, inflows increase with more invested as a percentage of your cash flow, which adds up over time. Time matters the most.  Kids can mess around with this at home as an experiment to get them interested in math and investing using an "exponential calculator" (if available, used in high school math, not a basic calculator). Performing various calculations on the calculator shows us that when using annualized returns as the variable (or unknown) and exponent = number of compounding periods, in our case, years, the largest factor to impact returns over time is a higher number of compounding periods.  Though I am not an AP math student, the other factor that compounds over time when your accounts go up is CONFIDENCE, which helps you keep setting goals and improves your well-being. Stephen Roth , Founder Principal, Limestone Financial Group Invest in Real Estate for Early Retirement Thanks to real estate investing, I retired in my early thirties, and now I have a portfolio worth seven figures. Here's my take: Real estate is a powerful way to build wealth and retire early. If you can't afford to invest in a standalone rental property right now but own your home, my best tip is to rent out extra rooms. That way, you can start saving for retirement immediately without getting a second job. Ryan Chaw , Founder and Real Estate Investor, Newbie Real Estate Investing Diversify with a Precious Metals IRA I remember when I began thinking about saving for my retirement. Here is my biggest tip: approach retirement by prioritizing diversification in a precious metals IRA. For either someone just starting out or looking to improve their retirement savings strategy, open a precious metals IRA. The benefits of this type of IRA allow you to hedge against inflation, diversify your retirement savings, tax benefits, and more. Precious metals retain value, meaning precious metal investments can still be advantageous even during challenging economic times. Peter Reagan , Financial Market Strategist, Birch Gold Group Use SEP-IRAs and Cash Balance Plans As a sole proprietor, I was shocked to owe a $100,000 federal tax bill when my income increased.  I had a high income but was limited to retirement savings by the low limits on IRA contributions. I then discovered SEP-IRAs, which allow a self-employed person to put up to $69,000 per year into an IRA (up to 25% of their income). This allowed me to avoid astronomical federal taxes and build a nest egg.  When my family income rose even more, I discovered "cash balance plans." In effect, an accountant sets up a defined benefit plan for you as a sole proprietor, which allows retirement contributions up to over $200,000 per year for several years. This "defined benefit" or "cash balance" plan is then rolled over into an IRA when you retire or no longer wish to fund it.  For self-employed people with income over $200,000 per year, SEP-IRAs and cash balance plans let you save taxes and fund your retirement. Julia Rueschemeyer , Attorney, Attorney Julia Rueschemeyer Divorce Mediation