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A 457(b) and a 401(k) both help employees save for retirement, but governmental 457(b) plans offer a valuable advantage: penalty-free withdrawals after leaving employment, even before age 59½ – Shutterstock A retirement account can look perfectly ordinary until someone tries to take money out. That’s where a 457(b) plan can surprise employees who already know their way around a 401(k). Both plans help workers save for retirement through payroll deductions. Both offer tax advantages, and […]
Cutting back certain plants in November can remove spring flower buds or winter protection. Hydrangeas, coneflowers, ornamental grasses, and several other favorites may benefit from being left alone. Steven May/Pexels November can make even a beautiful garden look like it needs serious attention. Flower heads have turned brown, stems are leaning sideways, and the urge to grab the pruning shears becomes difficult to resist. But some of those seemingly dead plants are doing important work […]
The IRS requires you to take your full required minimum distribution, or RMD, whether you need to spend the money or not. When that withdrawal exceeds what your budget calls for, you still must account for the income and decide how to use the amount left after taxes. You can keep saving, although there are limits on where that money can go. If charitable giving is already part of your budget, a qualified charitable distribution […]
In a big family, buying a gift for every adult adds up fast. Propose a name draw before Thanksgiving instead, where each person draws one name and buys that person a gift under a price cap you all agree on. Everyone gives and gets one gift instead of a stack, and that one can be better. Source
Some plants naturally produce dramatically different leaf shapes through a phenomenon called heterophylly. Sassafras, mulberry, and English ivy are examples of plants whose foliage can change shape without indicating a health problem. Zion Smith/Pexels You’re walking into your garden and noticing something strange about a plant you’ve been growing for years. Half its leaves look perfectly normal, but the newer growth has an entirely different shape. Some leaves are rounded, while others have deep cuts […]
This ultra-wide screen laptop opens 180 degrees and can lay flat like a tablet. Image source: Amazon This post includes affiliate links. If you purchase anything through these affiliated links, the author/website may earn a commission. For comic book collectors, embracing digital reading can feel surprisingly difficult. There’s something special about holding a physical issue, admiring a glossy cover, and carefully turning each page. Yet owning a digital comics collection has become an increasingly practical […]
California voters have approved Proposition 37, a sweeping $25 billion homeownership initiative designed to help middle-income families overcome one of the biggest obstacles to buying a home: saving enough money for a down payment. The measure authorizes the California Housing Finance Agency (CalHFA) to sell up to $25 billion in revenue bonds to finance loans covering as much as 17% of the purchase price of qualifying newly constructed homes. Read the rest
Buy now pay later late payments have reached their highest level on record. A LendingTree survey fielded in March 2026 looked at buy now pay later users. It found that 47% paid late at least once in the past year. That is up six points from 41% in 2025. It is up thirteen points from 34% two years ago. The rate has now climbed for a second straight year. Buy Now Pay Later Late Payments […]
Running a small business in Australia means watching every dollar. Rent, wages, insurance and supplies all add up quickly. When a new piece of equipment is needed, the instinct is often to buy it outright. Yet for many small and medium businesses, renting equipment is the thriftier choice. Here are ten reasons renting often beats […] The post 10 Reasons Renting Business Equipment Beats Buying for Some Australian SMEs appeared first on The Thrifty Issue.
It’s that time of the month, where you get to be a fly on the wall as we transparently go through our family’s budget. After a successful low-spend September, we planned for more intentional low spending in October. We did a good job keeping our grocery and household spending low throughout the month. This is our second month in a row of keeping our grocery budget under $500. For having seven of us at home, […]
A conversation I had with a coach of mine (who’s also a mom of four) completely changed the way I think about spending money on myself and my family. In this episode, I’m sharing what she said, why it stuck with me, and how it challenged something I didn’t even realize I believed about motherhood. Get my free masterclass here: How I Lost 50lbs After Having My 3rd Son Listen to the Full Episode: Show […]
Here’s a reminder to double-check your November budget for these potential expenses. The post TURKEYS AND STUFFING! IT’S TIME TO SET YOUR NOVEMBER BUDGET appeared first on a life on a dime.
🎙️ Episode #512 – Need $50K in two years? Another rental could set you back. I share four smarter ways to generate cash now while… The post DON’T Buy Another Rental If You Need Cash in 2 Years appeared first on Coach Carson.