If you are getting ready to sell your home, you have most likely already given it a great deal of thought. While you may think you know the basics, such as keeping any personal items out of sight and removing clutter, there is a lot more to selling your home than you may have thought initially. Potential buyers can fall in or out of love with your house for a variety of reasons. Here we tell you some essential strategies to getting your home ready to sell — and make it irresistible to everyone who comes to view it. Get the Most for Your Home When putting your home on the market, perhaps the most crucial aspect is the pricing. You need to find out how much your home is worth, and then take around 15 or 20 percent off that price. This might seem counterintuitive, yet, when you do this, you will likely be inundated with buyers with multiple bids who will bid way over what your house is worth, says HGTV. Of course, this home selling tactic takes courage and a tolerance for risk, however, it is a known strategy to sell your home for the best price possible in today’s market. Tips for Maximizing Your Home’s Appeal There are many steps you can take to make your house as appealing as possible to potential buyers. Some tips you may not have thought of include: Disassociate Yourself with Your Home It may sound obvious, but it is surprising how many people do not do these: De-personalize Before you show your house, ensure that you pack up all your knick-knacks, family heirlooms, and photos. When a buyer enters your home and sees personal effects, they immediately see the space as exclusively yours, rather than a place that they will want to live. De-clutter Take an objective look at your house and identify any items that can be either donated, sold, or discarded. Also: Rearrange closets and kitchen cabinets Organize all of your closets and cabinets to impress even the most observant of buyers. Make minor repairs You may not even have realized that your home needs a little TLC, so go around with a friend and spot and fix anything that needs fixing, such as leaky faucets, squeaky doors, or loose knobs. Rent a storage unit If you have clutter in your home, consider renting a storage unit. Storing away bulky items of furniture will open up your house, making it far more attractive to potential buyers. Clearing away knick-knacks and excess furniture will also make your home photos more appealing. Clean your home Spring clean your home from top to bottom so that buyers will find your space clean, sweet smelling, and attractive. Improve the outdoor space Ensure that your yard is well-maintained and attractive. Check all exterior window and door frames, and paint any that look past their prime. Also, make sure your house number is visible from the road. Lighten and brighten The lighter and brighter your house looks, the more appealing it will be to buyers. Be sure to let as much natural light in as possible, and consider repainting white trim and other walls to make them stand out and look fresh. Have a Good Showing When the time comes to show your house, there are a few tips you should remember: Tens of millions of homes sell each year. Yours can be next. Selling your house can be difficult emotionally as you have spent a great deal of time in your home and have made countless memories there. However, through following the above hints and tips, you can ensure you will show your house off in the most favorable light, as well as get the best price possible.

Getting Your Home Ready to Sell

View Resource Getting Your Home Ready to Sell
You can start collecting Social Security payments once you hit the age of 62. However, is it wise to do so? That depends on your situation. For most people, though, it makes more financial sense to wait at least until the age of 66. That is the age when people born from 1943 to 1954 first qualify to receive full Social Security benefits. That full retirement age increases for people born after 1954, hitting a maximum of 67 for anyone born after 1960 and later. Wondering when you should begin collecting Social Security? You will have to take a long look at your health and your finances to make the right decision. Retiring early It can be tempting to retire early and begin collecting Social Security benefits before you hit the age of 66. The thought goes like this: I have been paying money into Social Security my whole life. Why shouldn’t I start collecting it as soon as possible? You can start collecting Social Security once you hit the age of 62. However, there’s a financial penalty that comes with collecting at such an early age: You will receive less money each month than you would have had you waited until you turned 66. The Social Security Administration website provides a Social Security benefits calculator that tells you how much your monthly benefits will fall if you begin collecting payments before full retirement age. For instance, primary wage earners who retire at 62 will receive just 75 percent of their full benefits. Spouses of that wage earner will receive only 35 percent of their total benefits if they retire at age 62. As an example, if you are scheduled to receive $1,000 a month in Social Security benefits at full retirement age, you will receive just $750 a month if you start collecting at age 62 instead. That might not seem like a big difference: It is only $250 less each month, after all. However, over a year that $250 a month comes out to $3,000 that you passed up. Moreover, over a retirement where it is not unusual to expect to live to 87? If you retire at age 62 and begin collecting Social Security then, you would lose a total of $75,000 by not waiting until age 66 to collect Social Security. Suddenly, that $250 a month seems like a bigger deal, right? The benefits of retiring later Collecting Social Security before full retirement age comes at a financial cost. The flip side is that waiting to collect until after that age comes with a monetary benefit. You will receive more money each month every year you put off collecting Social Security, up until you hit the age of 70. If you are scheduled to receive $1,000 a month at the age of 66, you will receive $1,320 a month if you wait until age 70 to receive your Social Security payments. That is a difference of $320 a month or $3,840 a year. The numbers, then, make retiring later sound like the smartest choice. However, remember, every situation is different. Extenuating factors There is one critical extenuating factor in this equation: Your health. If you expect to live a long life after retirement, then it makes financial sense to begin collecting Social Security payments when you are older. However, what if you are already suffering from health problems and don’t expect to live much past 70? Then it might make financial sense to start collecting your Social Security payments as early as possible. The problem with this? We cannot predict how long we will live. We can only make predictions based on our present conditions. Health can change rapidly, for both the better or, the worse. Age 78 is considered the break-even point when it comes to Social Security benefits. If you live past that age, waiting until full retirement age to collect payments will pay off. If you do not make it that far? You would have been better off collecting your payments earlier. Again, the trick lies in predicting how long you will live. According to the Social Security Administration, men who turn 65 in 2018 can expect to live for another 19.3 years, putting them at more than 84 at death. Women who turn 65 in 2019 can expect to live another 21.6 years. In both cases, these average people would have lived past the break-even point of 78. The Social Security Administration recommends taking a look at your family history. Did your parents, grandparents and other relatives live into their 80s? If they did, and if you are not suffering from any significant medical problems, you might expect to hit your 80s, too. If so, waiting to collect Social Security payments might be the right move. There are other factors that could influence your decision. For instance, if you quit work early will you have to seek private health insurance? For the most part, you will not be covered by Medicare until you hit age 65. The cost of private insurance until you reach that age might outweigh the financial benefits of receiving your Social Security payments early. Are you struggling with credit card and other types of debt? You do not want to enter your retirement years saddled with large amounts of debt. If waiting to collect Social Security will cause you to add to your consumer debt, taking out benefits sooner might make more financial sense. As you can see, it is not easy deciding when to begin collecting your Social Security benefits. Your best bet is to meet with a certified financial planner who can look at your finances and help you make the right decision for yourself and your spouse. That is not a choice to rush into; you will be living with the consequences of your decision, both good and bad, throughout the entirety of your retirement years.

When Should I Start Collecting Social Security?

View Resource When Should I Start Collecting Social Security?
Having the ability to apply for and be approved for credit by a lending institution is essential for most people. However, many people do not take the steps necessary to help ensure they will qualify for a loan. One of the most important things you can do is review your credit report on an annual basis. Credit Report Overview A credit report is a record of your personal credit history compiled by credit bureaus using data submitted by your creditors. Before creditors approve a new loan or line of credit, they will carefully review your past borrowing and repayment practices to determine if they want to extend you credit, and if so, how much. Importance of an Annual Review The information on your credit report can affect how much money you can borrow and the interest rate applied to the loan. Additionally, you should review your report for the following reasons: How to Get Your Free Credit Report Obtaining your free credit report is easy. Just go to the federally authorized website AnnualCreditReport.com. At AnnualCreditReport.com, you can get reports from each of Equifax, Experian, and TransUnion. These are the three major reporting agencies. Alternatively, you can request the reports by calling 1-877-322-8228. You will need to provide your full name (with the suffix if applicable, such as Sr., Jr., III), your current address, your Social Security number, past addresses within the preceding five years, and your date of birth. Each of the credit bureaus compiles your credit report independently from each other, although their information sources are the same. What to Look For Above all, you should review your credit report for errors or inaccuracies. If you discover an error or mistake, you should contact the credit agency that is reporting the inaccuracy as soon as possible. Reports prepared by different credit bureaus may provide the same basic information in different formats. The components you will likely see and should review on your credit report, include: Whether you are looking to apply for an additional credit line or maintain your existing credit line, it’s important to review your credit reports annually for accuracy. It may also be a time of reflection to make changes to impact your credit score positively.

Your Annual Credit Report Review

View Resource Your Annual Credit Report Review
Once again, CD rates are back on the rise, leaving people who have decided against them in the past to reconsider whether now might be the time to begin investing in CDs once again. Before you decide whether CDs are the right choice for your investment or savings strategy and style, keep the following in mind. As a precursor though, we will need a short vocabulary lesson for CD products, as they sometimes go by different names, depending on whether you are saving with a bank or credit union. Your bank will most likely use the term “CD” or “Certificate of Deposit.” However, if you work with a credit union, they might use the phrase “term certificate” or “certificate” in talking about the same essential product. Within this article, we will use the shorthand “CD,” but the term covers the credit union naming conventions as well. Purpose of CDs The primary purpose of a CD is to allow investors the opportunity to invest their cash in a short-term financial instrument that provides them with guaranteed interest. In most cases, the return on CDs is higher than what you will experience with savings accounts and most treasuries, making it a better place to park cash. Over the past few years, interest rates on CDs have been unprecedentedly low. That has changed, though, making them a more attractive option to consider for investors. That does not mean it is the right choice for all investment situations. The people who like to use CDs generally prefer them because they are considered incredibly low-risk investments. They are federally insured (either by the FDIC or NCUA), and the rate is guaranteed. When you “purchase” a CD, you are essentially giving the bank or credit union a loan. It works much the same as it does when you borrow money from a bank, but this time In reverse. In this case, you give the bank a specific amount of money. You agree to allow the bank to keep your money for a specific amount of time, known as the “term.” In return, they pay you a specified amount of interest on the money at the end of the term. While CD terms can be for any length of time, common term lengths for CDs are: Financially speaking, the longer the term of the CD is, the higher the interest rate you will receive and the more interest you stand to earn. Keep in mind, though, that your cash is locked up in the investment for the duration of that term unless you have a particular type of CD that allows you to withdraw your funds early without paying the penalty. When to Use CDs Not all savings and investment plans operate well in combination with CD purchases. There are some strategies, though, where CDs shine as investment options, including the following: CD Drawbacks The one major drawback to consider when investing in CDs is time. A CD investment is not exactly the most liquid of your investment options since you promise the bank or credit union access to your money for a specific period. That means you won’t have access to those funds until the term expires. A strategy to minimize this drawback is to create a “CD ladder” to spread out your term lengths, giving you access to some of the funds as each term expires. Another drawback to consider is that the return is lower than other investment options. That is the price you pay for the low-risk nature of CDs as investments. What is the takeaway? With the right strategy in place, CDs can be sound investments, and now might be the perfect time to buy as interest rates on CDs rise again.

Is it Time to Use CDs for Investing Again?

View Resource Is it Time to Use CDs for Investing Again?
Most employers want you to be healthy. Really. Healthier workers are more productive workers. They cost companies fewer dollars over time because they are not always tapping into their healthcare benefits. When employees are physically fit and healthy, they tend to take fewer sick days. It should come as no surprise, then, that many employers offer quality-of-life and wellness benefits to their workers. These quality-of-life benefits can come in many forms: Some employers provide free or reduced-cost membership to local gyms. Others require their employees to schedule annual physical exams. Still, others cover the costs of weight-loss and anti-smoking programs. Some companies even choose to provide discounts to employees signing up for swimming or exercise classes in their communities. Others offer on-site fitness rooms and walking trails or sponsor company basketball or floor hockey leagues. That is good news for workers. We should all strive to be healthy. When our employers are helping to foot the bill? That is just a bonus. Grim numbers It is not surprising that a growing number of employers are offering wellness and quality-of-life benefits to their employees; workers, just like the general public, are too unhealthy today. Moreover, unhealthy workers tend to be unproductive ones. According to recent numbers from The Centers for Disease Control and Prevention — 40 percent of U.S. adults are obese. At the same time, the President’s Council on Fitness, Sports & Nutrition reports that more than 80 percent of U.S. adults do not meet the guidelines for both aerobic and muscle-strengthening activities. That is a perfect recipe for health problems. Adults who do not exercise and are overweight are more likely to develop high blood pressure, diabetes, heart disease and other serious issues. They are also, unfortunately, more likely to die at a younger age. Companies want to protect their workers; employees are, after all, the most significant investment that most companies make. To help do this, they have developed innovative workplace wellness and quality-of-life programs and benefits. Doing the research You should want to take advantage of the wellness programs that your company offers. However, you must research before signing up for any quality-of-life programs. Workplace wellness programs usually come in two varieties: One offers a stick approach, the other a carrot. First, the stick: Many employers require their employees to schedule a physical each year with their primary care physician. If these employees do not do this, their health insurance rates will rise. Companies might also require those employees who smoke to pay higher prices for their health insurance. Other benefits are of the carrot variety. That includes companies that offer their workers reduced rates or free access to local health clubs. It also includes businesses that provide on-site fitness centers, running tracks or walking trails. These benefits are designed to keep workers healthy and happy. However, workers are not penalized for not taking advantage of them. It is essential to keep wellness and quality-of-life benefits in mind when you look for a new job. It is not easy to put a price on good health. However, the healthier you are, the less likely you will be to overspend on health care.

Quality of Life and Wellness Benefits

View Resource Quality of Life and Wellness Benefits
Do you look forward to receiving a big income tax refund every year? If so, you are taking the wrong approach with tax withholding. You do not want that big of a return. That merely shows that the federal government took too much out of your paycheck every pay period. Think about it: The government was able to hold onto your money throughout the year, interest-free. Sure, you will get a refund at the end of the year. However, if the government had not withheld so much of your money, your regular paychecks would have been more significant. You, then, would have had the opportunity to use that money during the year, whether you needed it to pay down your credit card debt or invest in the stock market. The right goal? You would love to end the year without owing the federal government any money on your income taxes or having the government owe you any money through a refund. That, of course, rarely happens. However, you can get closer to this ideal by making sure that the federal government takes the right amount of money from your paycheck. Withholding The IRS withholds a portion of each of your paychecks. However, you can change the amount of these withholdings quickly, just by filing a revised W-4 form with your employer. The W-4 is the IRS form that employees fill out when they start working for a new company. By entering essential information into this form, you tell the federal government how much money to withhold from your regular paycheck. Unfortunately, too many employees forget about this form even as their lives change. If you earn promotions and a more substantial paycheck, you should revise your W-4 form. If you get married or have children, you need to update your information. If you start your own business on the side, you need to rethink your W-4 form. Here’s a handy rule: If you either owed much money to the IRS last year or received a big refund, you need to change the allowances on your W-4 form. The Good News Here’s the good news: You can rework your W-4 form at any time. Just request a new form from your company’s human-resources department. Of course, deciding how much the IRS should withhold from your paycheck can be difficult. Fortunately, the IRS offers an online withholding calculator. This tool, which is a bit complicated, asks you a series of questions to help you determine the correct amount of money to have withheld from each paycheck. Changing your W-4 form will require some research on your part. However, you will be glad come April 15. Remember, there’s no sound financial reason to overpay the federal government throughout the year. Keep your money where it belongs; with you.

Setting up Tax Withholding

View Resource Setting up Tax Withholding
Financial freedom often begins by becoming financially independent. Many people do not realize how financially dependent they’ve grown or how easy it is to find oneself there. Some people never really break free from financial dependence on their parents. For others, debt is what is holding them back and keeping them from the economic freedom they seek. Fortunately, it’s not an all-or-nothing process. There are various stages of financial independence. When your income grows, your spending habits improve, and your ability to save becomes more commonplace, you can move on to higher-level stages. Moving from one step to the next takes time and slow and steady progress with your finances until you reach your goal of financial independence. Stages of Financial Independence Financial independence rarely happens all at once. Not unless you win the lottery or created the next million dollar wonder app that everyone has to have. In other words, it’s a long-term strategy. Therefore, you shouldn’t feel frustrated about not achieving all at once. Most people get there in seven stages that take years, if not a lifetime. Stage One – Financial Dependence on Others Most children are completely dependent, financially and otherwise, on their parents. Others who may fall into the category include: Your goals for gaining greater financial independence at this stage may include finding a job or more lucrative employment, surrounding yourself with people who have different economic priorities, and seeking financial advice and guidance from a trusted source. While acting to move to the next stages of financial independence, it is essential to begin building your credit, arranging transportation, and finding a place of your own to live – even if your first apartment or home involves roommates. Stage Two – Financial Dependence on Debt If you cannot make it from payday to payday without putting purchases on credit, taking advantage of payday loans, or otherwise borrowing money, you are financially dependent on debt, and that can be a frightening place to be. At this stage, it’s time to make lifestyle changes that focus on saving money or even considering a second job, at least part-time, to get out of debt and the continuous need to borrow. Stage Three – Financially Dependent on Your Paychecks Many Americans ( 75 percent, according to CNBC) fall into this “stage three” category. In this stage, you are making enough to get by, and little else. Some refer to this as living paycheck to paycheck. At this stage, the only thing left to do is eliminate the low-hanging debt fruit you have and then chip away at all other debt, one debt at a time until you can move forward with your financial independence goals. Stage Four – Early Stages of Financial Independence At this stage, you are still on the edge of financial instability. You do have many debts paid off, but you must continue bringing in income from your job to maintain your current standard of living. You are a lot more comfortable and better prepared for the financial realities that lay ahead when you are in stage four. Now is the time to ramp up your efforts to save for the economic freedom you seek. Stage Five – Moderate Financial Independence During this phase of financial independence, you can see the light at the end of the tunnel. You have saved enough money and could conceivably manage several months of unemployment but are not ready to face life without a reliable income or salary. You have more personal freedom at this stage. You may consider changing careers to one that provides greater fulfillment, even if it does offer fewer financial rewards. Continue saving until you have prepared for the final stage of your journey. Stage Six – Partial Financial Independence At this stage of financial independence, you can shift your focus to work you find meaningful or take pleasure in doing. You do not depend on your income to survive, though you may not be financially free enough to live the lifestyle you desire without continuing to bring in some form of income. Stage Seven – Complete and Total Financial Independence At this stage, you never need to work a day in your life again unless it is work you genuinely want to do. With this degree of financial freedom, you can live the lifestyle you desire without being forced to tighten your belt to make ends meet. “The journey of a thousand miles begins with one step.” – Lao Tzu. So, begins your journey to true financial independence. These are the stages involved.

Becoming Financially Independent

View Resource Becoming Financially Independent
Cash back is an incentive that many credit card companies offer to encourage the loyal and consistent use of their cards. For some consumers, the promise of getting cash back for specific types of purchases was a major selling point used in the selection of a particular credit card over other options available. Depending on the card you choose and the types of purchases you make, you could earn cash back in the range of one percent to five percent, or possibly even more, on those expenditures. Cash Back Credit Cards At one time, the leading reward credit cards offered were airline miles. These miles represented dollars you spent on travel and could be traded in for flight upgrades, flights, hotel rooms or room upgrades, or other travel-related expenses. As credit cards evolved, so did the rewards, with credit cards offering rewards that enabled you to purchase gift cards for select retailers. Today, many credit card companies allow customers to earn cash back rewards on purchases they make at certain retailers. When appropriately maximized, this is cash back that can make a difference for your annual financial bottom line. Tips for Maximizing Rewards Many people who have cards that offer cash back for purchases are not taking full advantage of the cash back benefits available to them. There are a few ways you can maximize your rewards, so you get more cash back bang from your credit card bucks.
  1. Choose your cash back card wisely. Different cards offer higher rewards for different categories of purchases. Popular categories include things like travel, groceries, dining out, or gas. While one card may offer one or two percent cash back on all purchases, it may offer an additional one or two percent cash back on a specific category of purchases. While gas was once a popular choice, that might not be the best way for you to maximize your cash back reward. Purchases of groceries, for example, often offers a great opportunity for maximum value, especially if you have a large family and grocery bill. With cards that reward you for grocery purchases, every time you spend money on food, you are getting cash back in your pocket.

  2. Pay all your bills with your cash back credit card. Think of all the bills you currently pay each month using, a check, debit card or through online bill pay. Consider using your rewards credit card instead and you can earn cash back on things you are already spending money on. It adds up pretty fast when you consider monthly payments such as:
    • Mortgage or rent

    • Utilities

    • Mobile phone bills

    • Internet fees

    • Subscription services

    • Hotel reservations (especially for people who travel for work)

    • Health insurance

    • Auto loan payments
    Each month, these bills can add up to several hundred if not thousands of dollars. Pay them with your credit card, then immediately pay your credit card bill, so you are not paying interest on these purchases.

  3. Pay attention to the details. One of the biggest mistakes people make when attempting to maximize cash back on credit cards is failing to read the fine print. It is vital to know if there are quarterly or annual limits on the amount of cash back you can earn. If there are, it might be wise to consider multiple cards, so you can employ your cash back maximization efforts accordingly to get more money back month after month.

  4. Pull out your plastic for major purchases. Whether you are buying appliances for your home, electronics, furniture, or outfitting your new home office, if you are making big purchases, credit cards, especially those offering cash back rewards, are the best way to go. Credit cards can also provide an added layer of consumer protections for any disputes you might have with the seller.

  5. Be aware of cash back options. Some consumers may not realize that they have several options available to them as to how they can receive their cash back rewards. Most credit card companies allow you to choose between cash back in the form of checks, gift cards, and statement credits.
    What you might not realize is that accepting these rewards in the form of statement credits may be the best way to go. Not only does it help you reduce the balance owed on the card, which is almost always good news. It also helps to increase your available credit. Which, in turn, improves your overall credit score, reducing interest rates, and ensuring a wider availability of credit for you.

  6. Take advantage of bonus categories. Other things you can do to help maximize your ROI with your credit card spending is to take advantage of bonus categories each month. These allow you to earn higher cash back on specific purchases in that category.
There is not a single best cash back card that is best for everyone. Finding the best cash back credit card for you depends on your spending habits, the card’s specific rewards program and benefits, and the value of the cardholder benefits you can use. However, when you use all the above strategies together to maximize your cash back, you can get far more mileage in the form of cash back rewards from your efforts.

Are You Maximizing Your ‘Cash Back’?

View Resource Are You Maximizing Your ‘Cash Back’?
Children might not fully understand the whole concept of money as a measure of value, however, many children like money because they do recognize it as a medium of exchange or method of payment. They generally realize that to buy something they want, they need it. Teaching kids to count money can be a little confusing at first for them, but it is essential since it is one of the basic concepts they will use throughout their lives. You can introduce the concept of counting money once your child has a basic understanding of simple math. You will then move on to helping them identify different types of currency and their value, and fun counting games can help you do this. Identifying Coins and Currency Money comes in various sizes and shape. It also comes in paper and coins. The size doesn’t matter — the denomination of money is what matters. Different units of money come with a specific value. While adults understand these simple facts, children may have problems with these facts. Paper money currently in circulation comes in bills of: Current coins in circulation come in denominations of: Of course, you might find also run across half dollar ($0.50) and dollar ($1.00) coins in your change, but they are a lot rarer to possess. An essential concept you should convey to your children is that all U.S. money or currency has the dollar as the unit of value. Coins are only fractions of this unit and bills are multiples of this unit. One hundred pennies make up a dollar. Twenty nickels or five-cent coins also make up a dollar, and so forth. When you can get your kids to understand money is based upon the dollar unit, it will allow you to further explain equivalents to them such as: Learning to Skip-Count Before introducing money into your child’s lesson, teach them how to skip-count. Skip-counting is where you count by multiples of 5s or 10s or 20s. It is a simple way for your child to count bills and coins of most U.S. denominations. Continue practicing skip-counting with your child until they can skip-count all coin values up to one dollar and 100 by 5s,10s, and 20s. Counting Games Here are some fun counting games you can implement with your child to make learning how to count money fun: Hundreds Chart Create a chart that has 100 squares, labeling each square in sequence with the numbers one through 100. Give your child a handful of different coins and tell them to place each one on the square representing the total value, having them begin with the highest-value coin and working their way down. For instance, if you give your child three pennies, a nickel, two dimes and a quarter, they would begin with the quarter, placing in on the square with the number of 25. They would then place the dime on the square with the number 35 since the total of both coins comes to 35 cents. They then proceed by setting the next dime on the square with the number 45, the nickel on the square with the number 50 and so on. Matching Game Using single coins, create pairs of cards. On one card, put a photo of a coin (or tape a coin to a card). Then, write different coin values on separate cards. Shuffle the cards and have your child practice matching coin cards with its matching written value card. You can even try combining several coins on one card to make the game more of a challenge. Your child can practice adding up the values of the coins on a card with its corresponding written value amount. Partner Match Game Here is an excellent game for a group of children. Before starting the game, place sets of coins in individual plastic baggies. Make sure that each baggie has a mate that contains the same value of coins, but use different combinations of coins to match overall totals. To start the game, give each child one of the baggies. Their challenge is to find the partner who has their matching coin total. Takeaway Counting money is an essential functional skill for all children. For kids, learning to count money does not just provide them access to items they wish to buy, but it also provides them with the foundation for comprehending the base ten numbering systems that will help them later learn percentages, decimals and the metric system essential for technology, science, and even the social sciences. Like all skills, using and counting money will eventually teach your child independence, but it all starts with “baby steps.”

Teaching Your Child to Count Money

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If you look long and hard enough, you will find a subscription service for just about everything these days. From shaving supplies to dog food and more, there are hundreds of subscription services to meet the diverse needs of individuals living in a modern society. One category of services that are getting attention and interest from people across the country are “grocery delivery subscriptions.” What do they have to offer you and are they worth the prices they charge for the convenience they provide? Overview of Subscription Grocery Services You have a variety of features and options among today’s grocery delivery subscriptions, including services: Advantages Before you shake your head and walk away from this new-fangled way of getting food into your pantry, refrigerator, freezer, or on your table, there are plenty of benefits to consider when it comes to grocery delivery subscriptions, including those listed below. Disadvantages While the list of advantages is long and impressive, there are some drawbacks to consider as well. The better you understand them, the wiser decision you’ll be able to make for your needs. For most people, it does come down to the question of time and money. The right grocery delivery subscription services can save you both, which may make them well worth a few added dollars to your grocery spending.

Do Grocery Delivery Subscriptions Make Sense?

View Resource Do Grocery Delivery Subscriptions Make Sense?