KD

Kristen Dean

How does it work?
  • Kristen Dean
    Published a day ago
    Minimize The Cost

    Minimize The Cost

    There are ways to spend less money on items we need. Since spending can be a challenge. Here is at least two methods. Coupons, using a coupon usually takes 1 dollar off when purchasing non-food items, tends to give ten percentage off or twenty percent discount. Sometimes you get twenty-five percentage off. However in order to get twenty-five discount you may have to spend $30 or more. Which is a trick stores use to get customer's wallets empty. Nontheless coupons are still useful to have in your pocket. People can print coupons at their home. A couple of websites to obtain from: One, Savings.com. This site tends to have a few coupons for the user to print. Second: Coupons.com, with this site the user can print more than six coupons. The user can click it icon then print as much as they need. Using coupons.com for me is a great online resource for my grocery shopping. I am able to get a dollar off my food. There is a app name: sansaver where you will always find coupons to use online or from your phone at the cashier. Sansaver has their own website too. Retailmenot.com has been advertise a lot on the view show. On ABC tv network, usually airs during late morning. This site not only offers coupons. Retailmenot offers cashback, free shipping and discounts on Rx medicines. One or two more websites is couponcabin.com offers giftcards, along with cashback and coupons. Give this a try and see for yourself. One website that gives you promo codes 24/7 is offers.com. This site is easy to use. Sometimes it has a online code for your favorite store. Other days it does not. You log into the site, select the store to shop then tap the link to the store. You'll be redirected to the store's site. Right there the code will be at the checkout. You'll pay half the price for what you want to buy. I personally recommend offers.com. If you need to buy certain items for an important occasion. For example: preparing for your friend's wedding. Maybe purchase a very expensive dinnerware set. Getting a discount on a bridal gift can leave you feeling secure. Knowing you won't have to dip too much into your savings account. Also that good feeling giving a gift to a friend on their wedding day. Promo codes are a fantastic option. If the consumer does not feel comfortable paying the full price. The code takes half of the full price. Leaving the consumer spending less money during their shopping trip. In conclusion if you want to spend less money to promo codes and coupons are the way to go. Another way to get coupons is in the mail from a circular paper. Granted recieving the circular should just be enough and sometimes it is. It's good however to expand your choices especially when it comes to saving money. I also know a few companies that are willing to send some to your home. Turkey Hill (a ice cream company) I requested some coupons from them before. I founded about 8 to 10 coupons in the envelope, it felt great like a kid getting a toy for his birthday. I remember getting some from Snapple (a beverage company) sadly the coupons expired by the time I received them. A good department store known as Jcpenny. Jcpenny will often times send coupons in the mail but you have to purchase items from their store a couple of times. In other words you have to be a loyal customer in order to receive coupons in the mail. MACYS does the same thing but like JCpenny you also have to buy their items a few times in order to get coupons or promo codes.
  • Kristen Dean
    Published 8 days ago
    No Financial Dependence

    No Financial Dependence

    I know it's a lot easier to ask people to lend you money but what if you can't afford to pay back your friend ? Now you begin to feel guilty. As the individual you may even tried to avoid your friend. It is not a matter of whether you're bad person or not. A matter of observing your finances and seeing why you cannot pay money. Lending money to a friend or a relative isn't such a lousy idea. Giving money can be helpful, when someone is in need of cash immediately. Example: If that person's electric bill is due today but he/she don't have any money left in their bank account. The actual downside of asking for money is it can turn into a bad habit. Some people have ended up asking for money from others and never pay them back. Soon the individual won't be able to afford anything because he/she owe people money. You may not be able to buy other items. You may lose track how many people you owe. The best way to get money is having side hustles. For example: sell things you don't use anymore. Websites like letgo.com where you negotiate with others on what price to pay for your stuff. Getting paid from websites between $5 and $10, the more money you will be able to pay for a late overdue bill. Let's say you save $10 for 7 months; that will equal to $70 total. Good enough to buy food from grocery store. Relying on your family's bank account could keep a person oblivious to money. If you never had to work before in your life. You will be at a huge disadvantage. It's one thing to ask for $8 from your mom or dad. To not know how to obtain $8 is a different problem. One downside to being financially dependent is not taking the time to think about how much is being spend. Another example: who's been working at the same car factory for 20 years. Becomes physically disabled after a leg injury. His doctor tells him he won't be able to work. Your mother cannot work due to her mental disability. So as of now you are left with two options. Deal with having no allowance or get a job. Earning would be the better option. Why? You learn as you go along. Building connections or develop new skills. But here is the one good reason. Knowing how much you get paid per week helps you see where your financial situation is. Soon the individual will know what to do. Budget how to spend your paycheck. Also how to save some of your paycheck. You get to realize what you can afford verses what you cannot. For the most part you Will gain some money on your own. After depositing your first paycheck in bank account. You can begin counting your dollars on paper . Start to decide how much cash to withdrawl each week. Taking out cash is a way to count someone's pennies. Saving some cash in a jar is a good place to start. At this point you will be able to something in your pockets at all times. Which will give you the ability to have your own money and won't have to ask anybody to lend you anything. One trick to remember is when you're about to run out of cash. Save $2 in your wallet then deposit it in your bank. To add more money to that $2. Earn $5 from an app and it will equal to $7. Another trick is to have a side hustle. The way to have a side hustle is to know what you can sell quickly. If good at making jewelry. There is a very good chance to make sales. Another: get a investment account open. Receiving returns on your investment will help you to be financially independent. After you invest $100 in the stock market. The return from this amount of money is very rewarding. If you can't afford to put $100, start investing $10 then wait for a few months.
  • Kristen Dean
    Published 2 months ago
    Ice Queen

    Ice Queen

    I feel nothing
  • Kristen Dean
    Published 2 months ago
    The Wake-Up Call

    The Wake-Up Call

    Even a welfare recipient can save money to the side. Someone who recieves SSI or SSD as well. Saving money has never been easy for a majority of people. The truth is every single person should have a retirement account. You don't have to put $100 in your Roth IRA. Perhaps place $10 or $8 per month, $5 or $3 is easier. Because of the internet individuals type blogs online to inform others how they manage their dollars. These people are known as financial bloggers. Bloggers can be useful. I've seen content creators on YouTube make a career discussing finances. If you're not starting off so great, watching YouTube videos can help you to manage your money. One example: How to pay off loan. Another example: How to keep up with your bills. There are also apps that prove to be effective in everyday spending. Much to anyone's surprise we humans do get old. That is why we need retirement. Once our bodies weaken, it could prevent us physically from working. I hope this will convince people. Don't beat yourself up if you're not able to afford your bills.
  • Kristen Dean
    Published 3 months ago
    Healthcare Our Obstacle

    Healthcare Our Obstacle

    There are very good reasons to have free healthcare. People in the United States cannot afford the prices out of pocket. The biggest problem is the insurance companies. Insurance companies don't look out for their consumers. They never have and never will. The Americans are not stupid. We have opened our eyes and ears to the truth. Health insurance corporations are not here to help us in our time of need. Keep in mind their goal is to take money from us. Oftentimes, a person will make a call to have their coverage paid for, asking for assistance to cover the cost of his or her medical bill, only to be told the it will not be paid for. What is the point of having insurance if you are left to pay out of pocket each time you visit the doctor? On the news, a woman died before she could get to the hospital. The men who drove the ambulance refused to place her inside the vehicle. They refused because she was uninsured.
  • Kristen Dean
    Published 3 months ago
    Expense to the Highest

    Expense to the Highest

    Due to the economy's inflation, prices went up after our imports were taxed. After that, globalization has been turning into a complex issue. If we look further into this problem, we can decipher how things work. International corporations from all over the globe need money. Not just for profits, but to put currencies back into their nation's economy. When a nation makes a trade, they have to pay for the cost. If the supply and demand are not met, it could be disastrous. Politicians and congress will have to ask or negotiate with business owners, and convince these imports. Keep in mind traders have to be paid back in return. Yes, we have the T.T.P. organization for this job. The T.T.P did not always provide the best options. Their methods often work as a balancing act. One example: New Zealand, who ships their imports to Australia, would be the one to pay the minimum cost. If the required cost cannot be met, Australia's prices could skyrocket at a severe level. Then, New Zealand could also have to deal with a surge in prices. High costs can lead to limited spending power out of the citizens' hands. New Zealand's economy will not always suffer because of Australia's mishandled on pricing. This is where T.T.P can come in, to rectify the problem. Every other form of organization, such as activists and workers' unions, will have to pitch in. It's going to be hard to find solutions. This will take time and effort. Every person from all political sides need to step in.