11 Little-Known Travel Hacks to See the World on a Budget
Strugglehood Blog
by Niki Brumage (Snyder)
3y ago
Some were born with a passion to travel the world. Others develop this passion later in life after a realization of how short life actually is. Occasionally it takes a startling life event, such as the death of a loved one or dear friend to clear your vision from the fog. It’s like being startled awake and wondering, where did my time go? What have I done? Where have I gone? What have I seen? Traveling and enjoying what the world has to offer is an area where the millennial generation seems to excel. Millennials have realized that life is short, and they’re determined not to waste it by miss ..read more
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What Colleges Don’t Want You to Know About the Advantages of Entrepreneurship
Strugglehood Blog
by Brandon Brumage
3y ago
Brace yourself; some of you may not like what I’m about to say. Earning a college degree is bullsh**t. Whooaa! What did he just say!? Hang on Alice. Before we go down that rabbit hole, let me explain. Clearly, if you’re going to school for a specific profession (healthcare, law, engineering, aviation, physicist, chemist, etc.) then a college education is absolutely necessary. But what about so many others? Thousands graduate every year with degrees that haven’t prepared them for any type of actual career—me being one of them. Why not stop and consider the advantages of entrepreneurship ..read more
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We’ve Reached a Student Loan Crisis
Strugglehood Blog
by Niki Brumage (Snyder)
3y ago
While growing up in the U.S, it’s instilled in you from an early age that higher education is the key to success. They say higher education is imperative, but they don’t warn us about the debt that goes along with it. In a country where student loan debt has reached the second highest consumer debt category—topping over $1.5 trillion dollars—you could say we’ve reached a student loan crisis. According to an article written by Forbes Magazine, “The average student in the class of 2016 has $37,172 in student loan debt.” For students who attend private schools or have multiple degrees, this numbe ..read more
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How to Budget Money on a Low Income
Strugglehood Blog
by Brandon Brumage
3y ago
Throughout our lifetime we all set goals to save money. We save for a new home, to pay off student loan debt, a dream vacation, or even those shoes you cannot stop thinking about. What’s our solution to saving money? Work more. Although making more money can jumpstart your savings, it can also be miserable. In a world where we already spend a third of our lives working, why add to the agony? I think we are looking at saving money all wrong, let’s stop working more and start budgeting SMARTER. Even when you’re trying to figure out how to budget money on a low income, it can be done! As with&n ..read more
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The Power of Personal Accountability
Strugglehood Blog
by Brandon Brumage
3y ago
At the risk of sounding like a motivational speaker, I’d like to change gears a bit and talk about personal accountability. I’ll get right to the point; YOU are the only tool you need to better your life. There’s a quote from the movie Friends With Benefits that, while brutally honest and perhaps a tad insensitive, offers sage advice on accountability: “Everybody wants a shortcut in life. My guidebook is very simple. You want to lose weight? Stop eating, fatty. You wanna make money? Work your ass off, lazy. You wanna be happy? Find someone you like and never let them go.” While accom ..read more
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How Much Do You Need to Buy a House
Strugglehood Blog
by Niki Brumage (Snyder)
3y ago
There must be an age where HGTV becomes a guilty pleasure. I’ll admit; I’m guilty of binge watching House Hunters for hours. After embarking on house hunts with hundreds of couples in cities all across the U.S, I’m left with one question, “How can people afford to spend that much on a home!?’. I’ve seen memes with similar frustration, so I know I’m not alone in these feelings. Let’s once and for all put an end to the frustration and answer the question, “How much do you need to buy a house?” Factors that Affect How Much You Can Spend on a Home Income Have you ever noticed how uncomfortable i ..read more
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How Millennials Are Earning Passive Income
Strugglehood Blog
by Niki Brumage (Snyder)
3y ago
Nearly everyday I hear or see something criticizing the millennial generation. From articles and news stories to meme’s, it’s this generation that’s constantly being scrutinized. This bad rap comes from not being able to understand the line of thinking young people have today. Millennials have challenged so many traditional ideals/values, which leaves many people perplexed. However, my favorite thing about this generation is our tenacity. Instead of staying in a job that makes us miserable, we think outside the box and create endless possibilities. Despite the unjust criticism, everyone seem ..read more
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What Do Higher Interest Rates Mean
Strugglehood Blog
by Brandon Brumage
3y ago
Don’t look now, but the Federal Reserve just raised interest rates…again (the first this year was in March). Last week, the Fed raised rates a quarter of a percent to 1.75-2%. They also stated they plan to add two more increases sometime this year. With interest rates predicted to be on the rise, let’s look at why interest rates increase and what do higher interest rates mean for you. Why Do Interest Rates Increase? When the Federal Reserve increases the interest rate, it’s usually an indication that the U.S. economy is doing well. People are making more money causing more demand for prod ..read more
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How to Save More Money Without Doing Anything
Strugglehood Blog
by Brandon Brumage
3y ago
Yeah, you read that right. That’s not a typo or a scam. This is an area where many of us could use some help. Read on to find out how to save more money by making a quick change to something you’re (hopefully) already doing. Saving Money Is a Problem According to a Bankrate study, 39% of Americans can’t cover the cost of a $1,000 emergency with what’s in their savings account. Folks, that’s an issue! It’s imperative that you start putting away money in order to cover emergencies. Inevitably, something’s gonna happen. $h!t will go down– your car quits running, your A/C breaks, you ge ..read more
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Why You Shouldn’t Celebrate a Huge Tax Refund
Strugglehood Blog
by Brandon Brumage
3y ago
It’s that time of year, taxes are filed (hopefully) and you’re anxiously awaiting your refund check so you can ball out. However, I’m here to tell you that getting a big, fat tax refund should not be considered a good thing! * record scratch* Before you think I’m crazy and close your browser in disgust, let me explain… What is a Tax Refund Check? When you receive a tax refund, you’re getting a return on the excess amount of income tax you paid to the state or federal government. Most of the time, it comes in the form of a check or direct deposit into your bank account. Typically, you can exp ..read more
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