money tips – INGRAM UNIVERSAL

AVOID THESE 6 MONEY MISTAKES IN YOUR 30s!

As you get into your 30s, you’ll realize that they’re a crucial decade of your life. You may be past the point where you don’t know what to do but you can still find ways to be proactive with your money.

Here are money mistakes you should learn to avoid in your 30s:

1. NOT HAVING AN EMERGENCY FUND

It is important to have an emergency fund to avoid debt in later life. Ideally, this account should cover three to six months of your essential expenses so you can cover any unexpected events such as losing your job or costly medical issues. It is highly suggested to put your emergency fund in a saving account so you can access it immediately and do not need to worry about a downturn in the markets affecting how much money you have.

2. BEING UNDERINSURED

Most people don’t like to buy insurance because it means paying for something that they hope to never happen/use. However, the consequences of being uninsured are so large that they can wipe you out financially. One accident on the job or medical emergency can change your financial structure just in the blink of an eye.

The types of insurance that are highly recommended are:

– Term life insurance

– Health insurance

– Disability insurance

– Renter’s insurance

3. MAKING MINIMUM PAYMENTS ON HIGH-INTEREST DEBT

If you have high-interest personal loans or credit card debt, it is suggested to pay them down as aggressively as possible before you focus on a low-interest loan or a mortgage. The faster you can pay those high-interest loans off, the more money you can put towards other financial goals that become increasingly important as you progress in your 30s.

4. BUYING TOO MUCH PROPERTY/HOUSE

Home/property ownership is gratifying and can lead to wealth creation. However, it is not guaranteed. You have to make sure that your housing budget includes room for things like unexpected repairs, maintenance, and potential changes to your future income if you start a family.

5. NOT AGGRESSIVELY SAVING FOR RETIREMENT

Retirement can seem far away when you are in your 30s. But every dollar you save for retirement now will be 10 to 20 extra years to accumulate compound interest than money saved in your 40s and 50s. You can set up an IRA (Individual Retirement Account) that will automatically move money from your checking account on payday.

6. SAVING FOR YOUR KIDS BEFORE SAVING FOR YOURSELF

When you become a parent, it is natural to want to put your kids’ needs in front of your own. However, saving for your children’s college education before you save for your own retirement is a terrible mistake. There are many ways to pay for college such as scholarships or applying to less expensive institutions but there is no way to pay for retirement other than saving.

When people enter their thirties, there are typically 20-30 common money mistakes they’re making. However, we’ve narrowed it down to the 6 most important money mistakes that need to be fixed if you want significant financial improvement.

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How to Save Money by Organizing Your Life

Organizing your finances will make you better at making spending choices. Organizing your purchases will help you deal with personal debt. Generating wealth is not always about having the most assets or money to spend. Sometimes analyzing your assets and planning for their future use pays off in an unexpected way. A lack of organization can harm your finances as much as being short on cash.

How you are potentially losing money because of disorganization.

Duplicate Items

You may have purchased duplicate items because you can’t find what you need when your need it OR you don’t even know you have it.

Late fees

23% of adults say they pay late fees because they can’t find the bills. How many late fees have you paid in the last year?

Excess Stuff

Just looking around your house, I bet you can see things you no longer use, or in reality, never used. How many hundreds of dollars are represented in your stuff?

Subscriptions

Do you have more than one streaming service subscription? Now, how often do you really use them?

Eating Out

This is an easy way to get food on the table, but it is definitely not the healthiest or the best financial decision.

What you can do starting TODAY

Go on a treasure hunt

Put like items together and see what duplicates are lurking. Visit your storage unit and make a plan to eliminate your dependence on this space.

Become more mindful of your future purchases.

You could even create a 30-day list and see if you still want the item(s) after 30 days. This reduces the spontaneous buying that is so easy to get caught up in.

Create a meal plan

One week I spent $30 on groceries because I already had most of the items at home. If I didn’t have a list or a meal plan, I would have certainly spent more than that!

Take really good care of your stuff

This includes your car, lawnmower, computer, sports equipment, children’s toys, etc. For example, it costs less to replace a spark plug and air filter every year than to buy a lawnmower every 3 years.

If your own peace of mind wasn’t enough to motivate you, maybe knowing there is a direct financial benefit to getting organized will do the trick!

Other financial benefits of organizing your life:

Make money on the items you are willing to sell. Have more time to spend on money-generating activities such as starting your dream business or pursuing a higher-paying job.

Have more time and energy to devote to your own self-care for better emotional and physical health.

More time and energy to explore free and active hobbies such as walking, yoga, library trips, journaling, biking, etc.

You may feel like money is a topic that has nothing to do with your life. However, it’s important to not think this way as personal finance has a huge impact on every aspect of your life. Regardless of your financial situation, whether you’re looking to make more money or trying to save money, it’s worth staying organized. It is crucial that you make financial organization a priority in your life. This will allow you to get a better understanding of the different aspects of your finances, create more wealth, and keep it over time.

If you need any financial help or advice, check out Ingram Taxes. They offer FREE Financial Consultation and FREE BUSINESS CHECK-UPs, and credit repair assistance, 24/7.

Call or text 866-824-1440 to join the Ingram Taxes Club or visit www,ingramtaxes.com to know more about the services they offer.

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4 Key tips to Get Better With Your Money

Get a Better Financial Mindset

You need to work on your mindset to succeed financially. Keep a journal, read books, watch motivational videos, or get a mentor.

Define Measurable Goals

Make sure your goals are measurable. Break down your big goals into small, easily digestible chunks so you don’t get overwhelmed

Prepare Your Financial Plan

Then, set up a plan for allocating funds to each of your goals based on the priority you have assigned to them

Budgeting is Your Friend!

If you want to get better with money, you have to love it. A budget helps you track your spending and income.

If you want financial tips and information regarding your taxes, 📩 text 866-824-1440 to join the Ingram Taxes Club. they will answer any financial questions you have.

Need someone to answer business credit questions? Book a FREE consult on ingramtaxes.com.

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7 Ways to Increase your Income

You’re building your career and figuring out your future; amidst these processes, it’s likely that you’re encountering some periods where opportunities to make a little extra money would come in handy. Have you been saving up to buy something expensive, like a car or a house? Or maybe you simply want to have an emergency fund in place. Whatever your goals, there are lots of ways to save more on your budget by looking for ways you can make some extra money. Here are seven ways to increase your income.

Side Business

With a side business, you have another source of income. While it won’t make up for the loss of a lucrative day job, it can go a long way toward helping you as you look for another job. Plus, you can use the extra income to build up your emergency fund for just these situations.

Voiceover Work

Voiceover work is a way to make extra money by having your voice recorded.

How to Make Money at Home Using Your Voice

Voice Overs for Videos. One of the most popular at-home jobs using your voice is to voice over for videos.
Voice Overs for Commercials. Voicing commercials is another way you can make money at home using your voice.
Sell Radio Ads.
Create Audio Books.

Make money from your hobbies

If you do something you love, it can be turned into a new stream of income.

Here are 12 Profitable Hobbies that make money

Writing
Illustration and design
Music
Cooking
Gardening
Photography
DIY crafts
Comedy
Coffee
Memberships
Brewing beer
Gaming

Share your Ride

You can apply for Uber or other rideshare companies if you have a reliable vehicle and a good driving record.

Sell clothes online

The way to bring in extra money is by listing your old clothing on an online platform like Poshmark.

Online Surveys

Many companies are hiring people to answer surveys, so you can increase your income by doing them.

Share skills

Suppose you have any unique skills. You can share your skills online like Upwork, Fiverr, and others to increase your income.

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5 Tips For Running A Successful Online Business

The ability of e-commerce to connect you directly with your customers makes it the perfect place to promote various products and services. This really comes into the spotlight due to COVID-19’s influence on this generation. Starting a business online can feel intimidating at first, Given a large amount of competition in the market, it is important to carefully evaluate your strategy and follow certain steps (listed below) to ensure that you take full advantage of the enormous benefits available in e-commerce.

Organize Your Web Assets

This extends much further than just organizing your business. Your web assets are everything from your website to your social media profiles to your hosting account. These need to be in order.

Stay On Top of the Latest Trends

The online world is one that is constantly changing and evolving. It evolves faster than anything you’ll see in the real world. Furthermore, you’ll see social media trends evolving all the time.

Listen to your loyal customers

Listening to customers gives you valuable feedback

After all, the best business decisions are based on concrete data, not guesses or estimates. You want to understand how your customers really feel about the product or service you deliver. Use this feedback to guide your business and marketing decisions.

Protect Your Brand’s reputation

Define your brand’s journey. …
Take good and positive action to build trust. …
Leverage three to four social media platforms to boost your brand’s likability and brand engagement efforts. …
Believe in your brand’s purpose and growth potential. …
Have fun and stay positive. …
Perception is powerful.

Hire the right employees

A bad performing employee will negatively impact the other employees they are around, could drive down sales, and could cost a business a lot of unnecessary expenses. By hiring the right person – the business will move in a positive direction and will become more successful in the future.

Do you need help or advice in setting up your online business? Whether you need a website click funnel created, business structure, bookkeeping, help with your business credit, or even on getting your own virtual assistant.

Take advantage of this FREE business check-up.

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How to Find a Reputable Tax Preparer Near You | Ingram Taxes

You may want more personalized help filing your tax return this year, and you have a wide range of options and resources.

A tax expert can make sure you get all the tax breaks you deserve, especially in a year where your tax situation may be very different than it had been in the past. Many tax professionals can also help you with tax planning that can save you money in the future.

What Kind of Tax Preparer Do You Need?

When choosing between tax preparers, one of the key factors to consider is their level of experience. They usually have different tiers of services, with some completing just your federal and state returns with little or no additional help offered. But if you had a few different jobs during the year, did some freelance work, started your own business or had other complicated tax situations, then you may need more help. If you’re not really sure what expenses are deductible, an accountant would be able to help you. They might find tax breaks applicable to your business that aren’t even clear to the IRS.

Anyone with an IRS Preparer Tax Identification Number can prepare federal tax returns. But you should consider the level of their experience and qualifications. Enrolled agents, CPAs and attorneys can represent clients before the IRS in audits, payment issues and appeals. The Annual Filing Season Program helps other tax preparers who have completed a specific amount of continuing education to prepare for the tax season. There are also PTIN holders who haven’t completed these certifications and, as a result, they can prepare tax returns but can’t represent clients in front of the IRS. The IRS Directory is the best way to find quality tax preparers near you. Tax season is just around the corner, so now is the perfect time to find one! Before you hire a tax preparer, ask family and friends for their opinions on who they’ve worked with in the past. Make sure to also do some research from reputable websites on the company that has been recommended to see if there are any complaints. If everything looks promising, you can then contact them for more details on their services.

Make sure your tax preparer can meet your needs. Do you just need them to file your return, or would you like them to help you with anything else? If you’re just starting out in business, for example, it might be helpful to work with a tax specialist – such as an enrolled agent or Certified Public Accountant – who can let you know about future deductions and tax-planning strategies. If you’re nearing retirement and have a lot of money in your tax-deferred retirement savings plans, it can be a good idea to meet with a qualified advisor who’s also skilled in financial planning and tax preparation. This way you can get professional advice about the most tax efficient way to withdraw from your savings.

Ask questions about the return so you understand what they’ve done and the credits and deductions they’ve taken, which can help you know how to take the tax breaks in the future. “A good tax preparer will explain each step of the process with a taxpayer and allow them to ask questions.”

Inquire about their back-up support if you have any questions in the future. Avoid tax preparers who only operate a few months a year and will not be there after an IRS audit. In addition to protecting your data, you want to find a tax professional who can help you year-round in case you need to amend a return or if the IRS comes back with questions.

Conclusion: As you can see, there are many benefits to hiring a tax preparer.

When you’re done filing your own taxes, you may find yourself making the same mistakes year after year. Hiring a professional can help save time and money, while also ensuring that your taxes are filed correctly. Here at IngramTaxes.com, we’re dedicated to helping all our clients receive the best possible results when it comes to tax preparation and filing.

Contact us today for more information about how we can help you! If you are looking for the best tax filing services, we can help. Get in touch by texting/calling us at +1 866-824-1440 or email us at info@ingramtaxes.com. Our professional team is available to take care of your needs and make sure you get what is rightfully yours.

“How to buy Real Estate 4 kids”

“How to buy real estate 4 kids” teaches how important financial awareness is for children of all ages. Starting to educate early on in your son and daughter’s life, is crucial in how responsible he or she will become in their adulthood. * * Throughout the series parents as well as children are taught simple steps to improve their credit, save money, and buy homes. The journey is super fun an exciting, especially when you commit to the goals given throughout the book.

Looking for your next vacation? Here’s Round-trip tickets from New York to Miami, Fl | For only $40! This deal won’t last long!

For those who are planning on getting sun during the winter time. There’s an amazing deal on flights to Miami, Fl, taking off from New York and also New Jersey. Tickets are starting off at a low price of $40. The link will be provided at the end of this post. There’s also other deals, that are provided through an app called Unlimited Cheap Flights and Hotels. This app is for android users, and can be found in the google play store. The Unlimited app allows you to compare flights and hotels, so that you can find the best rate possible to fly.

Don’t wait on booking your flight. You may pass up some much needed rest and relaxation. So Be sure to follow this link here to find this ridiculously cheap flight to Miami Florida! $40 ROUND-TRIP FLIGHT to south beach!!

Remember to travel safely on your journey, protect yourself by wearing a mask, and clean your hands frequently.

“Life is what you make it“
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Rental Alert: Huge 3 bedroom 1 bathroom Condo in Riverside Paterson, NJ – 30 mins from NYC and half the price of a New York City apartment!

Located 30 minutes away from NYC driving. This condo is a large open space with 3 bedrooms and 1 bathroom. Open floor kitchen with huge island and stainless steel appliances including stove, microwave, and dishwasher. Plenty of closet space in this unit, and lots of amenities and of course your own laundry washer + dryer in your unit!

Located 30 minutes away from NYC, driving. This condo is a large open space with 3 bedrooms and 1 bathroom. Open floor kitchen with huge island and stainless steel appliances including stove, microwave, and dishwasher. Plenty of closet space in this unit, and lots of amenities and of course your own laundry washer + dryer in your unit! This condo is Minutes from NJ train, bus, Trader Joe’s, plenty of colleges,and also the Great Falls National Historic park. With signing you are entitled to a parking lot, Entertainment room with ping pong tables, pool tables, and treadmills/fitness equipment.