Watch Nationwide Biweekly Administration President on The Balancing Act® on Lifetime and hear about our proven debt elimination products and services! September 29th at 7AM and October 6th at 7AM
How to Bypass Grocery Store spending traps
September 4, 2014 By Leave a Comment
Watch for the “funnel.”
Watch out for the displays purposely set in the middle of aisle containing all the seasonal items you usually wouldn’t consider buying. Stick with the Shopping list
Go Alone!
Taking your kids or spouse can add up to 40% onto your bill! Not only are you throwing the kids favorite snacks into the cart, you now have company to slow you down and who has time to waste at the grocery store these days!
Avoid Middle aisles when possible.
Many people have heard that everything you need is on the outer edge of a grocery store. Sticking to the outer edge you will find your produce, meat, and dairy. The middle aisles are usually full of the pricey packaged snack foods.
Watch out for the inviting piled up displays.
A beautiful display of merchandise draws attention from the eye, but can you resist picking up the items? The store hopes you will pick up the items since research has shown that touching the merchandise increases the likelihood you will purchase the item.
Steer clear of endcaps.
At the end of each aisle are what we call “endcaps” or display spaces where manufacturers pay extra to have the items featured. Once again sticking to a list will help you avoid lingering to these displays making it less likely that you will purchase these unnecessary items.
What is Nationwide Biweekly Administrations Biweekly Program?
November 5, 2013 By Leave a Comment
Nationwide Biweekly Administration
Interest Minimizer Overview
(Transcription Below)
You’re about to learn one of the greatest financial secrets of our time. One that you can use to save thousands of dollars in interest charges. Each year, millions of Americans pay billions of dollars in unnecessary interest charges and lose out on growing their home equity much faster. How much money in equity are you losing to interest payments? Chances are it’s a lot more than you realize. For most of us, it’s thousands of dollars every year.
It doesn’t have to be that way. Most of us, we budget wisely, we shop for items on sale, and then we make sure we get a good deal for our hard-earned money. But when it comes to paying interest, most of us are needlessly giving away our money. Actually, losing it and we don’t know it. Fortunately there’s something you can do about it. The secret is the Interest Minimizer Program. A safe, convenient, and proven way to cut tens of thousands of dollars in interest charges off your existing loans including your mortgage, equity lines of credit, auto loans, student loans, and even credit card debt.
With the Interest Minimizer, your monthly payment is decreased to a much smaller bi-weekly amount and automatically debited every two weeks. We’ll conveniently match these debits to your pay schedule. Now, budgeting for a large mortgage payment has become a lot easier. No more checks to write or late fees to worry about. You’ll love how simple and easy it is. In fact, hundreds of thousands of American families are using the Interest Minimizer, saving billions of dollars in interest.
When you see the savings and how much you’ve been spending unnecessarily, you’ll want to sign up for the Interest Minimizer because the plan manages the bi-weekly or weekly schedule for you. Simply, painlessly, and automatically. Calculate your interest savings to see your specific savings. Or to speak with one of our friendly savings analysts, call the number on the screen. In just 10 minutes, we can show you how to stop overpaying interest and start saving money. Call us now.
Educate your kids financially
April 1, 2013 By Leave a Comment
You can never teach your children about money too soon!
You may have noticed, children may act as money grows on trees! Kids may be aware that you go to the bank to get money, but rarely they know how the money gets there. This is the perfect opportunity to teach your kids that you have to work hard to earn the money that you spend. Once they understand this concept they may become aware of the hard work you put in to earn a living.
Once they learn, they will apply
After your kids learn about money, how its earned, and the things it can buy; you might notice they will save every penny they can get their hands on. As a parent it is your responsibility to channel the attitude to teach them to save and learn delayed gratification.
-Planting the seeds early will help bear fruit later
Educate your children from a young age on how money is earned and how it works. By doing this you can avoid trying to teach them as teenagers, when they are less likely to heed any kind of advice you give.
Allowance can be an effective teaching tool
Giving your kids a small amount of money at a young age will prep them for the larger future numbers to come.
The teaching game changes with Teenagers and College-age kids
By the time the kids reach this age group they will most likely have bigger responsibilities such as: Checking accounts, Credit Cards, and other debt. Teaching the kids about banking and credit while in high school will set them on the path of success when they venture out on there own. High School, a lot of times, will off classes covering banking, financing, and the market. Teach your children to take advantage of these resources.
Creative Ways to Pay for College
March 30, 2013 By Leave a Comment
High school students, by now you are probably thinking about college and how you are going to pay for your education. College costs are skyrocketing, but this shouldn’t stop you from realizing your American dream. In order to pay for college and make sure that you’ll have the best college experience; keep these creative tips in mind:
- Apply for Financial Aid. Most students, regardless of financial status qualify for a type of financial aid, so there’s no good excuse not to fill out Free Application for Federal Student Aid (FAFSA) form. Look for free money first such as scholarship and grants, and then seek other types of financial aid packages to cover other educational expenses.
- Stick to a budget. Determine how much money you have and examine your expenses. Create a budget by making your own spreadsheet or by downloading a template online. After you have finished creating a budget, do your best to stick to it. Bear in mind that it is not about how much money you have, but about how you stick to your budget.
- Apply to more than a couple of colleges. Applying to multiple schools will give you more options and will enable you to compare college costs and financial aid packages.
- Save money on textbooks. Purchase books early and opt for used books, which can be a lot cheaper than new ones. You can also look for cheap books- new or used – online.
- Make extra money. Look for part-time jobs to keep income flowing. You may also want to sell your old, used textbooks to other students. Remember to put your earnings in a savings account.
5 Tips to Stay Within Your Wedding Budget
February 12, 2013 By Leave a Comment
Planning a winter wedding? The planning process can be a bit challenging but done right, couples can have a happy and meaningful wedding- even on a budget. Here are 5 useful tips from Stylish Weddings and Things on how to stay within your budget when planning a wedding.
1. Open a wedding savings or checking account. With a wedding savings fund, money can be withdrawn at any time to help with your financial needs. This will keep you from spending wedding money for other purposes.
2. Set your priorities and stick with them.
3. Create a budget using real wedding costs, not what you want to pay. Setting a realistic wedding budget can keep you from drowning in debt.
4. Keep your budget with you at ALL times.
5. Plan your shopping days.
Easy Ways You Can Save Thousands of Dollars in 2013
January 9, 2013 By Leave a Comment
Easy Ways You Can Save Thousands of Dollars in 2013
If your money situation during the past years was a mess, think of 2013 as a good chance to kick poor financial habits and manage your money wisely. Here’s your guide to a better money situation this year:
- When buying items online, always check for special offers and discount codes. Check for sales online before doing your shopping. However, you need to be careful not to purchase more than what you need. Some people spend too much instead of saving more by making unnecessary and unplanned purchases. Prioritize based on budget and avoid impulsive shopping.
- Reduce, reuse and recycle. By doing these three you can make a lot of difference: you save money and you help the environment. Reduce your waste, reuse or repair old items and buy more recycled products.
- Opt for generic drugs which are cheaper alternative for branded medicines. You don’t have to worry about quality; generic drugs are also regulated by the Food and Drug Administration and they are proven safe and effective.
- Make your own packed lunch. It would surprise you how a cup of coffee and a sandwich at work can add up to a huge amount of money over time. Instead of buying food or eating on a restaurant every single day, make your own lunch at home and bring to work.
- Save money on electric bills. Unplug appliances and turn off lights that are not in use. In the winter, wear warm clothing and set your thermostat to 68 degrees or lower during the day.
- If possible, walk or ride your bike to work. This way, you are able to save money on gas and get some exercise.
- The easiest way to save money? Avoid extra finance charges by paying fees on time. Missing a payment can cost you more money and may have a negative effect on your credit rating.
Looking for a company to handle your biweekly payments? Nationwide Biweekly Administration has the only biweekly program that provides a 100% money back savings guarantee. For more information visit http://www.nbabiweekly.com today!
Saving for Your Children’s College Education | Nationwide Biweekly
November 23, 2012 By Leave a Comment
Every parents want the best for their children. You work hard to make both ends meet in order to ensure that you are giving them the best future possible.
Image Credit: Kozzi
Because your child’s future depends on you, you should aim at giving them a good education. To get off to a good start in preparation for your children’s college education, be sure that you make it a part of your financial savings plan. Here are several ways you can save for your children’s education so you and your children can live a life that is debt-free and far from stress- as far as money is concerned, at least.
1. Start saving early
Cramming is never a good idea, and procrastination can be the most serious sin you can commit when planning for your children’s college education. Take this advice from nationally renowned financial guru, Dave Ramsey:
“Regardless of how you save for college, do it. Saving for college ensures that a legacy of debt is not passed down your family tree. Sadly, most people graduating from college right now are deeply in debt before they start. If you start early or save aggressively, your child will not be one of them”
2. Figure out the net cost
Are you planning to send your children to a public or private university? Before deciding, keep in mind that a higher cost does not necessarily mean better quality. Determine which institution will more adequately meet your children’s needs at a price affordable to you.
When figuring out the cost of colleges, take a look at the actual out-of-pocket cost for each school and not the sticker price. Overall, private colleges can be more expensive than in-state colleges. While both offer scholarships, most private colleges offer better financial aids than public universities.
3. Let your children know about your savings plan
Get your children involved early on in the saving process and make them understand how you are planning to save for their future education. Teach them the importance saving and help them develop a good saving habit.
When planning for your children’s future education, don’t get fooled into thinking student loans are the only option. The key is to start saving early and regularly. Have you started saving yet?
