Lendmark Financial Services

Lendmark Financial Services

Founded:
1996

Lendmark Financial Services

Founded:
1996
  • Jul 7 at 8:19 PM
    - Easy budget cuts to help you save - If youre trying to save money or are looking for ways to pay off outstanding debt faster, the first step is to take a look at your current spending. For at least a month, write down every penny you spend, no matter what its for. Identifying areas where cuts can be made will be more evident once youve created this spending snapshot. To achieve your financial goals, trimming some nonessential costs can make a big difference in the long run. Here are some simple cuts you can make that could make a difference to your bottom line: Quit cable and go with a much cheaper streaming service. Get quotes for your auto insurance to see if theres an opportunity to save. Skip meals out, eat home-cooked meals. Make larger batches, so leftovers can be eaten for lunch or repurposed. Redeem those coupons, theyre basically free money. Also, meal plan for the week based on store sales. Cut back on adult beverages, especially at bars or restaurants where the mark-up is extensive. Shop around for a less expensive cell phone service. Give your time and talents rather than gifts during holidays and birthdays. Wait before making any purchase. Ask yourself, Is it something I truly need? Negotiate rates with your credit card companies. Cancel your gym membership and work out at home.
  • Jun 28 at 6:37 PM
    Vacations are wonderful things but they can also be quite expensive. Whether youre opting for a staycation close to home or an exotic locale, having a travel budget is important to curb overspending. Saving up for your trip is a better option than using credit cards that youll be repaying long after your fun is done. Flights, lodging, meals, gas, and other expenses can really add up, but there are some savvy ways to cut down on those costs. Start planning ahead. Last-minute travel is more expensive. Travel during the off-peak season, if you can, to avoid rate hikes. Cut back on eating out. Prepare your food or head to the market rather than dining in a restaurant. Get around by public transportation. Youll actually get to see more by not driving and save on car rentals and gas. If driving to your destination, choose a time of year when fuel is typically cheaper (gas prices seem to peak around Memorial Day). Instead of getting a hotel room, consider a room in a home hosted on AirBnB or Couchsurfing. You can also house swap with other vacationers via sites likeHomeExchange.com. If youre flying, look for deals months before you travel and be flexible on your arrival and departure days. Mid-week flights are usually cheaper. Vacation with friends or family and split the costs. You can rent a house and take turns with meals.
  • Jun 21 at 6:33 PM
    Save Big At The Grocery Store As food prices have been steadily rising, finding ways to save money at the grocery store has been more important than ever. Your monthly food budget should be around 15% of your take-home pay. Home cooking is still the least expensive option for mealtime, so optimizing savings means being a clever grocery shopper. You dont have to be an extreme couponer to see big savings on your receipts, but you do have to shop smarter. Here are some simple ways to cut back on your food bill each week. -Meal plan, write a list and stick to it. -Look down, higher priced items are usually eye level. -Look at your stores weekly flyer and adjust your list to take advantage of deals. -Buy in bulk and refill containers of dry goods and spices. -Never shop when youre hungry. -Buy meats in larger discount packs and freeze what you dont use right away. -Buy generic/store brand when possible. -Cut out the impulse buys. -Keep meals simple, and your kitchen stocked with staple items. -If buying organic, look for deals and coupons, or shop at a discount store.
  • Jun 16 at 6:53 PM
    How To Ask For A Raise So youve been at your job for a while, have been excelling in your position, and feel that youre ready to ask for a raise. Being prepared is essential for success, which means researching the market rate for your job on web sites like Glassdoor. You also need to weigh in your experience level, length of employment, duties you perform now and ones you could take on to justify a salary increase. Here are some more tips to get you ready for making this important request. 1. Write down the reasons you deserve a raise, including how youve excelled in your job performance, and how your accomplishments are lucrative for the company. 2. Talk about your goals to demonstrate that your interest isnt just in more money, but in striving for continued success. 3. Ask for recommendations on how to improve your performance, and relay how you plan to act on that feedback. 4. Make certain the timing of your request is appropriate. 5. Be realistic. Keep in mind the average raise is about 3%. 6. Be polished. Practice the pitch and proofread your written request. 7. Dont get discouraged if the answer is no. Instead, ask how you might be able to get a yes and work for it. 8. Continue to exceed expectations. Raises can be rescinded if you fail to live up to the investment.

Jul 7, 8:19 PM

- Easy budget cuts to help you save - If youre trying to save money or are looking for ways to pay off outstanding debt faster, the first step is to take a look at your current spending. For at least a month, write down every penny you spend, no matter what its for. Identifying areas where cuts can be made will be more evident once youve created this spending snapshot. To achieve your financial goals, trimming some nonessential costs can make a big difference in the long run. Here are some simple cuts you can make that could make a difference to your bottom line: Quit cable and go with a much cheaper streaming service. Get quotes for your auto insurance to see if theres an opportunity to save. Skip meals out, eat home-cooked meals. Make larger batches, so leftovers can be eaten for lunch or repurposed. Redeem those coupons, theyre basically free money. Also, meal plan for the week based on store sales. Cut back on adult beverages, especially at bars or restaurants where the mark-up is extensive. Shop around for a less expensive cell phone service. Give your time and talents rather than gifts during holidays and birthdays. Wait before making any purchase. Ask yourself, Is it something I truly need? Negotiate rates with your credit card companies. Cancel your gym membership and work out at home.

Jun 28, 6:37 PM

Vacations are wonderful things but they can also be quite expensive. Whether youre opting for a staycation close to home or an exotic locale, having a travel budget is important to curb overspending. Saving up for your trip is a better option than using credit cards that youll be repaying long after your fun is done. Flights, lodging, meals, gas, and other expenses can really add up, but there are some savvy ways to cut down on those costs. Start planning ahead. Last-minute travel is more expensive. Travel during the off-peak season, if you can, to avoid rate hikes. Cut back on eating out. Prepare your food or head to the market rather than dining in a restaurant. Get around by public transportation. Youll actually get to see more by not driving and save on car rentals and gas. If driving to your destination, choose a time of year when fuel is typically cheaper (gas prices seem to peak around Memorial Day). Instead of getting a hotel room, consider a room in a home hosted on AirBnB or Couchsurfing. You can also house swap with other vacationers via sites likeHomeExchange.com. If youre flying, look for deals months before you travel and be flexible on your arrival and departure days. Mid-week flights are usually cheaper. Vacation with friends or family and split the costs. You can rent a house and take turns with meals.

Jun 21, 6:33 PM

Save Big At The Grocery Store As food prices have been steadily rising, finding ways to save money at the grocery store has been more important than ever. Your monthly food budget should be around 15% of your take-home pay. Home cooking is still the least expensive option for mealtime, so optimizing savings means being a clever grocery shopper. You dont have to be an extreme couponer to see big savings on your receipts, but you do have to shop smarter. Here are some simple ways to cut back on your food bill each week. -Meal plan, write a list and stick to it. -Look down, higher priced items are usually eye level. -Look at your stores weekly flyer and adjust your list to take advantage of deals. -Buy in bulk and refill containers of dry goods and spices. -Never shop when youre hungry. -Buy meats in larger discount packs and freeze what you dont use right away. -Buy generic/store brand when possible. -Cut out the impulse buys. -Keep meals simple, and your kitchen stocked with staple items. -If buying organic, look for deals and coupons, or shop at a discount store.

Jun 16, 6:53 PM

How To Ask For A Raise So youve been at your job for a while, have been excelling in your position, and feel that youre ready to ask for a raise. Being prepared is essential for success, which means researching the market rate for your job on web sites like Glassdoor. You also need to weigh in your experience level, length of employment, duties you perform now and ones you could take on to justify a salary increase. Here are some more tips to get you ready for making this important request. 1. Write down the reasons you deserve a raise, including how youve excelled in your job performance, and how your accomplishments are lucrative for the company. 2. Talk about your goals to demonstrate that your interest isnt just in more money, but in striving for continued success. 3. Ask for recommendations on how to improve your performance, and relay how you plan to act on that feedback. 4. Make certain the timing of your request is appropriate. 5. Be realistic. Keep in mind the average raise is about 3%. 6. Be polished. Practice the pitch and proofread your written request. 7. Dont get discouraged if the answer is no. Instead, ask how you might be able to get a yes and work for it. 8. Continue to exceed expectations. Raises can be rescinded if you fail to live up to the investment.

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