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A ladies get together is always a fun time. But sometimes, the costs of these gatherings can creep beyond a reasonable budget. Luckily, there are plenty of ladies get together ideas at home that don’t involve blowing your budget.

If you are ready to have a great night with your gal pals without breaking the bank, explore our activities for ladies get together options that are budget-friendly!

Ladies get together ideas at home that you’ll love

Everyone loves quality time with their favorite ladies. Regardless of the size of your gathering, you’ll find plenty of budget-friendly ladies get together at home ideas below.

Use these options to get the creative juices flowing. But don’t be afraid to tailor the ideas to your friend group preferences.

1. Scrapbooking night

Scrapbooking is one of the great activities for ladies night that allows you to reminisce about fun moments together. While sitting around

Chances are, you’ve heard someone mention the term compound interest, at some point. But do you know exactly what it is and how it can benefit your investments? And just as important, do you know where to find the best compound interest investments?

Whether you are an active investor or an aspiring one, it’s crucial that you understand how compounding works. In my estimation, compound interest is critical to successful investing.

In this article, I’ll explain compound interest, how it works, and how you can use compounding to your advantage in your portfolio.

What Is Compound Interest? 

Compound interest is earning interest on the interest you’ve already made.

Imagine a rolling snowball. A small snowball – representing your initial investment – gradually becomes larger as it rolls forward and adds more snow to what’s already stuck to the snowball. The more snow (interest) the snowball (your initial

ot all of us are fortunate enough to come from wealthy families. However, you don’t have to be a celebrity or trust fund baby to get rich. In fact, we’ll discuss how to get rich from nothing.

Opinions vary when it comes down to what it really means to be considered rich. However, the thing to remember is that being wealthy isn’t just about the amount of money you accumulate but also includes your net worth.

Net worth is the value of all of your assets minus the liabilities that you owe. Once you figure out your current net worth, you can figure out what you need to do to become wealthy.

No matter what your current net worth is, don’t be discouraged because you can start working towards getting rich from nothing by following specific steps. Let’s get into them!

1. Get your money mindset right

The mind

No one cares about your financial well-being more than you, so it’s important to have a financial plan for yourself. Knowing how to make a financial plan will allow you to save money, afford the things you really want, and achieve long-term goals like saving for college and retirement.

In my opinion, financial planning is critical, especially for women, due to the gender wage gap.

This probably won’t come as a surprise, but everyone’s money plan looks different. And if you’re considering how to create a financial plan or even, “what is a financial plan?”, you’re in the right place.

We all want to be financially independent and build wealth. Deciding to embark on the journey toward financial independence is a big deal!

It marks a fresh beginning with your money, and it means that you’re setting out to accomplish something that can change your life for the better.

In

Habits are one of those things that most people love and hate at the same time. It might feel like an uphill battle to develop a good habits list that you’ll actually follow. In the short term, you might have days where you just don’t feel like making the effort!

But in the long term, implementing daily habits to improve life can totally transform the way you feel about yourself. As long as you can do the difficult part of the habit-setting process, you’ll be reaping the benefits for years to come!

So let’s see how to come up with a good habits list that will change your life in great ways, with 25 ideas to inspire you!

Why habits matter

You can think of habits as your default life activities. They’re the things you do every day, week, or month, maybe without even thinking about them. Once you’ve formed

I have a love-hate relationship with owning rental property.

On the one hand, my rental properties are one of the main reason why I had the confidence to leave work behind. On the other hand, my rental properties are my main source of investment stress.

Whenever there is a tenant issue or a maintenance issue, my mood sours. Weird situations always arise that are hard to predict.

To counteract this change in mood, I’ve had to change the framing. Instead of seeing my rental properties as a source of passive income, I now view them as having a part-time job.

As a fake retiree, it took years for me to accept this mental shift because it felt like going in reverse. But the shift has made a positive mental health difference whenever I need to spend time dealing with rental property issues. Now when issues arise, I no longer feel

During the pandemic, we learned that Americans can save a lot more money if we want to. Take a look at the historical American personal saving rate chart according to the U.S. Bureau of Economic Analysis and the St. Louis Fed.

After lockdowns began on March 18, 2020, the U.S. personal saving rate skyrocketed from a respectable 9.3% pre-pandemic to an impressive 33.8% in April 2020! Americans suddenly decided that saving money during a time of great uncertainty was a priority. So that is what we did.

As the initial six-month shock of the pandemic began to wear off, Americans decided to lower our saving rate to 13.3% in November 2020. Then, when news of a new strain of COVID emerged in the beginning of 2021, Americans decided to increase our saving rate again, reaching 26.3% in April 2021.

Since April 2021, the personal saving rate has steadily declined

Since 2012, I’ve been arguing that freedom is priceless. After giving up a healthy income and my career for more freedom, how could it not be?

But maybe I’ve just been telling a lie to make myself feel better about not being richer! We lie to ourselves to help justify our decisions. Otherwise, we might feel like idiots for giving up so much.

In this article, I’d like to explore when freedom matters most. It seems all freedoms are not created equally and have different values at different ages. 

Jail Time For Money

For example, in a past newsletter I had erroneously calculated Elizabeth Holmes would only serve half her 11.25 years sentence with time off for good behavior. A part of me entertained whether I’d be willing to give up 5.625 years of my life for $4.5 billion if I could get away with what she did.

Hmmm. That’s

Are you confusing your good fortune due to your own skill rather than due to luck? I’m here to argue that above average wealth is mostly due to luck. Therefore, stop deluding yourself into thinking you’re so great!

As President Obama said in a July 13, 2012 campaign election speech, “If you’ve got a business, you didn’t build that.“

When I first heard Obama say this sentence, I was taken aback. From 2009-2012, I had been working on Financial Samurai for three years from about 5 am – 7 am and from 10 pm – 12 pm after working 12-hour days in finance.

If I wasn’t building Financial Samurai, who was?!

I had also recently left my finance job because I wanted to be free. All I really desired to do was write while traveling around the world, so that’s what I did.

Wisdom Grows With Age

As