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They live in panel trucks and trailers on side streets and in the corporate parking lots of tech giants. They couch surf, or rent out their own bedrooms on Airbnb, camping in the back yard or under a desk at work. They’re young, unmarried, and unattached, living debt free, eating free meals, and scrimping for every penny. They talk
Welcome back to our two-part series on everything Blockchain: crypto, coins, ICOs, and other “decentralized finance” concepts. We’re primarily using two books as sources for this discussion: one by the Bloomberg writer Zeke Faux entitled Number Go Up, Inside Crypto’s Wild Rise and Staggering Fall, and Easy Money: Cryptocurrency, Casino Capitalism, and the Golden Age of Fraud, by the
Blockchain: ”Imagine if your car idled all night produced solved sudokus you could trade for heroin.”  That is how one Twitter user famously described cryptocurrency during the height of the crypto mania in the late 2010s.  I recently read two popular accounts of the crypto phenomenon: Number Go Up, by Bloomberg contributor Zeke Faux, and Easy Money, by Ben
If you’re a younger millennial or a part of Gen Y, there’s a good chance you’ve yet to experience the unique joy of facing a widespread round of company layoffs. If you’re a GenX or even a Boomer, then you’ve been through times like this before, but never at your current age and station in life; so even though
Financial Habits For Success:  In their paper on financial planning in the Journal of Economics in 2003, Ameriks et al. posed the question of how households that begin with a similar level of wealth and income tend to diverge over time, with some becoming wealthier, while others did not. A leading indicator for future wealth was “propensity to plan,”
Maintaining a sensible budget is about more than just limiting your spending. After all, there will be times in your life when you’ll be able to spend more and save money easily, just as there will be times when saving will be a struggle every month. In a way, your money habits are no different from your eating habits,
Mastering personal finance demands more than just maintaining a budget. Once you’re saving more than you make, and you have a comfortable emergency fund, you’ll need to start thinking about how to maintain and grow your wealth. Even though inflation may now be under control, we’ve still seen a period of relatively high inflation, that left the salaries of
Maybe you’ve stayed in an Airbnb or two. Maybe you’re even a big fan. But have you ever considered investing in your own Airbnb? Many of our readers have probably asked themselves at some point whether running an Airbnb would be a worthwhile investment of their time, money, and energy. Perhaps some have deeply investigated, while others may only
EU consumers have been paying exorbitant prices for gas, electricity and oil since 2021 – and the trend is rising. Partly because of greater demand and rising wholesale prices, partly because of the war in Ukraine and a possible embargo. Here’s how high EU energy costs in 2022 will be. Find out what you’ll be paying and how you
Rising oil prices and the demand for more climate-friendly transportation are fueling many people’s desire for an electric car. Wondering under what conditions it’s worth switching? Take a look at the overall comparison of electric cars vs gas cars. We have analyzed a 2021 Tesla Model 3 and a 2021 Jaguar XF IC vehicle for you and can give
Inflation is growing, and that’s not good news for your pocket money. But what is inflation, and what can you do to combat its effects?
How much should you give to charity? To save the reader any suspense, that isn’t a question we feel we can answer for you. No. This post isn’t about answering that question, instead, it’s about asking it. Many of us give to charity. Even more of us want to give to charity, and even more of us still just
If you’re a BudgetBakers customer, you’re probably smarter than the average person. That’s what our research tells us anyway. You may not be susceptible to the most obvious of marketing and money scams, but that doesn’t mean that even the smartest people don’t occasionally get hooked into something they don’t fully understand. That’s what today’s discussion is all about.
Asking for a raise is never easy. It’s been quite a difficult couple of years for many of us. We’ve lost businesses. We’ve lost family members. We’ve lost friends, and some of us lost our jobs. That’s why now is the time to step up.  But with millions of people in the developed world seeking early retirement, and millions
We get it. The millennial generation is now the largest in the United States and in many other developed countries too. People born between about 1980 and 1997 are now the majority of new homebuyers, of new hires, new parents, and increasingly new political leaders as well.  A funny thing has happened though since their parents’ generations grew up.

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