Student Loan Repayment: 13 Ways Millennials Can Deal with Debt

In 2017, Americans are more burdened by student loan debt than ever. You’ve probably heard the statistics: Americans owe over $1.45 trillion in student loan debt, spread out among about 44 million borrowers. That’s about $620 billion more than the total U.S. credit card debt! In fact, the average Class of 2016 graduate had $37,172 in student loan debt, up six percent from 2015. That translates to an average student loan payment of $372 a month for 10 years. Even if you yourself aren’t dealing with student loan repayment, someone is and that someone may just be your child. Either way it’s a big weight to carry.

Student loan repayment has become a significant financial burden for millennials. Here are 13 ways to reduce that burden and pay off student loans faster.

One thing we can all agree on: paying off student loan debt isn’t any fun. One of the worst feelings is tearing open your paycheck or seeing your direct deposit hit your bank account and getting really excited, only to remember that you need to use a huge chunk of that money to make a payment on your student loans. If you are thinking things will be improving soon, I have some really bad news for you. They’re probably not. Continue reading

The Drug Habit I Just Can’t Kick

I have a serious drug habit. I’ve had it for the past nine years and I am not able to quit it. No, I’m not breaking any laws by taking drugs nor am I robbing any bank or committing any crimes to get them. All I have to do is see my doctor regularly and get a prescription and I’m in business. Unfortunately for me and my wife, filling those prescriptions each month is costing a small fortune and puts a serious dent in our personal finances. On top of that, the problem of prescription costs only increases from year to year. But then again, what choice do I really have about it all? I need the drugs.

Prescription costs can take a huge bite out of your budget. This is just one reason why it's important to take care of your health before there's a problem.

My Medical Condition Heads South

In case you don’t know all the details as to why I am in this situation, dependent on prescription drugs to maintain my health and prevent my deterioration any further, let me give you a brief medical history as to how I got myself into this mess. Continue reading

Are You Playing in the Major Leagues of Personal Finance?

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Almost two weeks ago, Major League Baseball wound up its regular season and now the post-season playoffs are underway. You probably know by now that I am a huge baseball fan and I have been for over 60 years! I have even written about it a few times on the blog, so I’m not kidding when I say that baseball has parallels to real life and that a baseball team succeeds or fails just as we do, based on its foundation, preparation, daily efforts, a tad of good health, and some luck! That’s why today, I’d like to explain how you can become a real winner in your personal finance basics just like the baseball teams all try to do each season!

If you want to win at the big leagues of personal finance basics, you'll need a winning lineup. Here's what you need to know to manage your team.

So if you want to play in the major leagues of personal finance, you need all the critical players on your team. Here’s the lineup:

Personal Finance Basics

1B – First Base: Setting Up Your Goals

This isn’t like the old phrase that was used back when you were a teen out on a date. It is rather the concept of where to begin in the pursuit of financial wellness just like for a baseball player who needs to get to first base in order to have a chance to score a run. Continue reading

5 Ways to Make “Healthy” Easier and More Convenient

You’ve heard me say it before: staying healthy is an important way to save money. But how do you get or stay healthy when you’re busy and stressed? I’m sure we all start each day thinking that today is the day when we will try really hard to cultivate some of those healthy habits into our lives. Unfortunately, way too often, convenience wins out over our good intentions. I have to plead guilty as charged right here!

When you're busy it can be difficult to stay healthy, but there are new services and technology that will help you cultivate those healthy habits.

While we all realize that shopping for fresh ingredients at the supermarket to make a meal at home is far healthier than stopping at the drive-thru at McDonald’s, it’s so much damned easier, quicker, and convenient! But guess what, there is some good news on this subject. New business services and technology are making it easier than ever to incorporate healthy habits even into the busiest lives! Continue reading

Investing in Infrastructure Now Can Build Your Wealth

Tips on saving for your future are almost a dime a dozen out there. Well, maybe they’re really more like hundreds of dollars for even just one good tip from a professional, but here’s some good news for you. My tips for you are still absolutely free right here! But remember that you get what you pay for, so here is what I think on today’s topic: investing in infrastructure.

With repairing and rebuilding our aging infrastructure on the national agenda, it seems like personally investing in infrastructure would be a wise move.

For years now there has been a lot of talk about our aging infrastructure* and the need to rebuild, repair, replace, and create all new projects, buildings, roads, etc. all over the country. Continue reading

The Chances of Living to 100 and Why You Should Care

You may be wondering “Why should I be reading about living to 100 and what does this have to do with me and my personal finances?” Interestingly enough, you do have a good question there. You might be in your 20’s, 30’s or 40’s and thinking, “Please Gary, I have so much to worry about, why that subject now?” Well, truth being told here, you probably won’t live to be 100. But what if you do?

Your chances of living to 100 are increasing as time goes by. Here's how to make the best of those chances and the most of your older years.

How many people are living to 100?

Centenarians, once a rarity, are the world’s fastest growing age group. Since 2000 when there were 50,281 of them here in the US, the group has grown by 44% to 72,197 (as of 2014). That makes this age group just about 0.003% in the United State, yes still small, but almost three times as many as there were in 1980 according to a report by CNN in 2016. Continue reading

Smart Couponing Tricks That Make Savings Even Better!

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Grocery coupons can save you money, but what if I told you they could be saving you even more money? You know about coupons and I am sure if you are a reader of Super Saving Tips, you know I use them unabashedly! But there are a few little twists, coupon tricks if you will, on how to get the absolute most from your coupons and avoid some of the frustrations and missed opportunities to save your hard-earned money when you use them.

Coupons can save you money, but these coupon tricks can save you even more. Check out these 7 strategies to make your money go further at the supermarket.

Here are some of my favorite coupon tricks:

Don’t use your coupons right away

That’s right, you heard me correctly! My experience shows that clipping coupons from your Sunday newspaper or magazines and shopping with them the same week they appear can be a mistake. Stores know weeks ahead of time what product coupons are coming out in the inserts and ads, and they may leave the corresponding products at higher prices intentionally and not on sale just to get you to buy at regular prices. Continue reading

Are You Ready for Free National Coffee Day 2017?

There’s ringing in my ears every morning, do I need to see a doctor? No, wait it’s the alarm ringing at the crack of noon each day, telling me it’s time for coffee! Coffee has a real connection to money, work, and the workplace. I’m almost positive that you have been involved in some sort of early morning meeting at your workplace and there ya’ have it, coffee to get the proceedings of your day underway. Hey, anyone want a cup?

It's almost time for National Coffee Day on Friday, September 29, 2017! Are you ready to get your freebies and deals? Do you love coffee as much as I do?

I’m retired, so to hell with rush hour and those 6 am showers like I did for 5 decades, arriving at the office after a long commute at 7:30 am to go to a meeting. Yup, I admit it. I often sleep in these days and why not? After all, I don’t have to hit the road to commute somewhere and I have plenty of time to wake up and have my morning (or noon) cup of java. I do like my coffee, so for me and probably many of you too, Coffee Day is every day now, isn’t it? But wait… Continue reading

Who Will Pay the Taxes When Robots Take Your Job?

It seems we are always talking about jobs and unemployment numbers, doesn’t it? After all, no matter who you are or where you live, earning a living is your major priority and concern. That applies even if you see yourself as a minimalist who is focused on being totally earth friendly and working just for yourself on the internet or even if you are a corporate mogul running a Fortune 500 corporation out in Silicon Valley. But as was heard long ago on the old 60’s “Lost in Space” TV show: “Danger, Will Robinson! Danger!”

In a world of increasing automation, tech and AI, is a robot tax in our future? How will government fund itself when our jobs are taken over by robots?

What will happen when robots take your job?

Robots are taking over the world’s workforce—and why shouldn’t they? For so many jobs, machines are faster, more consistent, smarter, and cheaper than you or I will ever be. As advances in artificial intelligence (AI) accelerate, robots will spread into all corners of the labor market: blue collar and white collar, service work and knowledge work alike. Continue reading

Social Security COLA for 2018: Is It All Good News?

Update 10/13/2017: The Social Security COLA for 2018 has been announced at 2 percent.

Right about now, retirees and Social Security recipients are anxiously awaiting the Social Security Administration (SSA) announcement of what might be a Cost of Living Adjustment (COLA) (if there is one) for 2018. I say “if” because as we have seen in recent years, the COLA adjustment hasn’t always been there for the many who depend on it to survive in a very costly 21st century world. So, will it be all good news?

It sounds like Social Security will announce a COLA (cost of living adjustment) for 2018, but is it all good news? Check out the reasons it might not be.

Social Security beneficiaries have lost almost one third of their buying power since the year 2000 as the cost of things purchased by these recipients, typically the elderly, have continually outpaced any inflation adjustments made by the government and the SSA according to a recent report by The Senior Citizens League (TSCL). Continue reading