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4 Quick Wins for the Budget Conscious Young Adult

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Discover four simple ways young adults can maximize their money. From what to avoid to how to shop, these insights will help any person gain control of their finances and spending quickly.

 You’re a young adult. You’re in college, you just moved out on your own, maybe you just got your first real adult job and you’ve hit the age that all financial responsibilities fall on you now. 

It’s freedom but it’s also much more responsibility and budgeting. As a young adult myself and in this current season of life, I have 4 tips that I need to remind myself of daily to help me budget, maximize my savings, and minimize my spending. 

1. Be careful with that shiny credit card 

Building credit is HUGE. It is very important for financing options and large investments but very tempting to spend on unnecessary things. I have made it a habit to limit myself to one small reoccurring payment I put on my credit card and pay it off right away each month. This could be gas, groceries, a monthly utility payment, something that you can easily budget but isn’t too costly. This way I am building credit but also paying off my debt quickly and not letting it build up. 

2. Cancel subscriptions 

Whether big or small, subscriptions are the number one thing I try and cut back on because it’s hard to make room for them in my budget. Now a days, it is so easy to purchase subscriptions in an app you may have on your phone that you don’t even remember paying that extra $3 a month for, but it’s still coming out of your account. I try to ask myself, “Do I really need Hulu, Netflix, Apple music? Or are there other ways to enjoy the things I love without committing to that monthly payment?” It may seem like a little payment in the moment, but saving that extra $50 dollars a month could be so beneficial. 

3. Stop spending money out on food and coffee 

This is probably my biggest weakness and the easiest way to blow money. Meeting up with a friend? Meet for food. Ran out of coffee? Go to Starbucks. Birthdays, study sessions, casual hangouts, food, food, coffee, coffee…it’s a vicious cycle. It all comes down to an “urge” for the most part. Sure, there are times when you’re really in a crunch and that afternoon run to Starbucks will change your whole world, but most of the time it’s just a coffee. Find out how to re-create your favorite coffee at home and meet with a friend at the beach, park, or another place as a non-spending option. 

4. Plan grocery shopping 

When I first moved out on my own, this is one area I overlooked as being pretty mindless and easy to budget. Boy was I wrong! I would buy things I normally loved to eat but then realized I couldn’t eat that much on my own and half the things in my fridge went bad. I didn’t realize the importance of meal prepping so I could have something on hand to eat every day. Once I took these things into account I started planning where to shop to cut expenses in half. How to buy things that are healthy and good but have a long shelf life and can be frozen. Also, not swaying on those “afternoon cravings” when you haven’t eaten yet and you’ve decided to shop for food. 

Conclusion 

Overall, these may seem simple but it’s a daily reminder to think about the things I really need and that I can get the most use out of. It’s the battle of, “Do I want that in this moment because I just want it or is that something that I can’t live without?” I struggle with those impulse buys every day that present themselves in a variety of ways. 

These “quick wins” open the door to looking at other expenses which can have a big impact on your regular monthly expenses. For instance, by belonging to Medi-Share, a health care sharing ministry, I am able to save hundreds of dollars a month on medical expenses. The same is true of reviewing my car insurance and renter’s insurance. Shopping around and finding alternatives that still meet your needs can put your budget on the fast track to meaningful savings. 

Imagine, though, if you were to take that $5 to $50 you accidentally almost spent on that “not so important thing” and set it aside in savings, how much that would change your perspective and create healthy spending habits. I’m not saying don’t ever have those “treat yourself” moments, but now I purposefully set aside a limit as to what that looks like weekly and monthly. We could all benefit from a little extra funds here and there! 

Chloe Viesins is a PR Coordinator at Christian Care Ministry. She’s a graduate of the University of Central Florida in Advertising and Public Relations. Chloe has a passion for music, plays the piano and sings, and is grateful she has the opportunity to incorporate her passions into her work and everyday life. 

Media Contact

Company Name: Christian Care Ministry / Medi-Share
Contact Person: Deborah Ryan
Email: [email protected]
Phone: 407-361-3002
Country: United States
Website: https://www.medishare.com/

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Premier Travel Founder Anne Kulhanek Reveals How To Plan A Bucket List Vacation On Influencers Radio

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On a recent episode of Influencers Radio with Jack Mize, Anne Kulhanek, founder of Premier Travel, talks about how she is helping travelers, especially those 50 and over, plan once-in-a-lifetime bucket list vacations.

Since the COVID-19 travel shutdowns, would-be vacationers have been cooped up for a long time. Now that much of the world is opening up, they are ready to get out and about.

While planning a vacation was a DIY exercise for many before the shutdowns, things have certainly changed. More and more discerning travelers aren’t willing to jeopardize their vacation experience trying to navigate travel restrictions and COVID protocols on their own. Instead, they are turning to pros like Anne Kulhanek.

Specializing in once-in-a-lifetime bucket list vacations, Anne’s team at Premier Travel amplifies traveler’s vacation dreams beyond what they thought was possible. Her vacations are never cookie cutter and always customized.

During the interview, Anne explained that what makes a trip ‘once in a lifetime’ is defined by her clients, saying, “Luxury for everyone is so different. The word luxury is commonly used in travel, and it’s funny because every travel supplier considers themselves to be luxury. But it really is defined by you. For you, luxury might be a first-class airline ticket to Europe, and staying in a penthouse suite at a certain hotel. For somebody else, luxury might be traveling to Ireland just being among the locals, staying at an authentic hotel, and meeting the owner of a little pub. So luxury really is, in my opinion, about doing what you want to do in the way that you want to do it. Whether it’s off the beaten path or an iconic place that’s very popular, it is about you, what you want out of this trip, and what’s customized just for you.”

With over two decades of travel agency experience, Anne’s strong relationships with quality travel providers, along with her network of local partners and guides, ensures her clients have the trip of a lifetime. As independent agents, Anne’s team at Premier Travel works on behalf of their clients, shopping and selecting travel providers who will deliver exactly what they need and at the best price.

To listen to the full interview, visit https://InfluencersRadio.com/anne-kulhanek

To learn more about Anne Kulhanek and Premier Travel, visit https://PremierTravels.com

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Toastmaster’s International Corporate Award given to Christian Care Ministry

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Christian Care Ministry/ Medi-Share’s Acts2Speak Toastmaster’s club was awarded the Toastmaster’s International Corporate Award for enhancing employee engagement.  Toastmasters International is a worldwide nonprofit educational organization that empowers individuals to become more effective communicators and leaders. Christian Care Ministry/ Medi-Share offers Toastmasters as a benefit of employment and as a way to promote professional development. District 84 is made up of over 100 clubs. Only two were given this distinction.

“I have always felt that good communication is what differentiates those who advance within their organizations or their profession vs. those who don’t,” said Scott Reddig, Christian Care Ministry CEO. “You can be great at your job, but if you can’t explain to others what you do or what you are proposing, it limits your effectiveness. I encourage all our employees to take advantage of Toastmasters. It undoubtedly can help your career.”

 “When I was elected club president in the middle of a pandemic, I knew it would be challenging as our employees were all working remotely at the time. But being surrounded by a team of strong club officers and with the continued support from the leaders in our organization, we have been able to not just sustain our club, but thrive by adding new members,” says Rebecca Barrack, Acts2Speak Club President and Asst. Manager of Communications at Christian Care Ministry.

Headquartered in Englewood, Colo., Toastmaster’s International membership exceeds 357,000 in more than 16,600 clubs in 143 countries. Since 1924, Toastmasters International has helped people from diverse backgrounds become more confident speakers, communicators, and leaders.

“It’s an honor and a privilege to present the Toastmasters Corporate Club Recognition Award to Christian Care Ministry. Having a Toastmasters Club onsite shows how much the company values their employee’s Leadership and the development of their Communication Skills. The club has demonstrated exemplary service to their members in meeting the goals of Toastmasters,” states District 84 Director Pim Parpart, DTMTo learn more about Toastmaster’s International go to https://www.toastmasters.org/

 To learn more about Medi-Share go to https://www.medishare.com

About Christian Care Ministry/ Medi-Share: Christian Care Ministry (CCM), a not-for-profit 501(c)(3) corporation, based in Melbourne, FL, operates the Medi-Share program,  a Christian health care sharing program that provides an affordable alternative to health insurance for faith-based consumers. Founded in 1993, Medi-Share currently serves over 400,000 members across America.

 

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Sarah Pulido signs a book deal with Launching Leaders Publishing Group

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Influencer and former Social Media Strategist turned international business owner Sarah Pulido, recently signed an agreement with Launching Leaders Publishing Group to release a book which highlights 5 principles to inner and outer success for women in business. 

Pulido states, “I’m excited to share my message around women’s empowerment with aspiring and current women entrepreneurs. I want to reinforce the message that you can rise above any current or former circumstance and achieve whatever you put your mind and heart to. The book ‘Mindset for Success‘ shares my 5 key principles for overcoming challenges and thriving in life and business.”

According to the National Association of Women Business Owners, more than 11.6 million firms are owned by women, employing nearly 9 million people, and generating $1.7 trillion in sales as of 2017.

Sadly, around 20% of small businesses, in general, fail in the first year, and 50% do not survive beyond five years.

This book was written to help women entrepreneurs apply Pulido’s top 5 business success principles and beat the odds.

Launching Leaders Publishing Group specializes in publishing personal development and business books meant for entrepreneurs, small business owners, and professionals.

Pulido’s book will be available for purchase on Amazon.com beginning in July 2021.

For more information or to connect with Sarah Pulido, please reach out to her at [email protected]

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