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Jul

05.18

Have the best summer ever and save money at the same time. Use these savings tips to bank extra funds for a special trip, to pay off debt or to save for emergencies:

1. Park the car and walk. Operating a car is a major expense and gas prices tend to rise in the summer. Take advantage of a sunny day by parking your car in a central location and walking as much as possible to take care of errands or to enjoy days out with your family and friends.

2. Teach your kids about money. Use summer vacations as an opportunity to improve your children’s financial literacy and teach them about responsibility at the same time. Help show them ways they can earn money, such as setting up a lemonade stand or walking neighbors’ dogs. Stock up on board games like Monopoly and Life that the whole family can participate in.

3. Grow a garden. Plan to grow summer fruits and vegetables or fresh herbs in your own garden. Gardens can be expensive, so be wise about what you plant. You have the potential to save money on groceries when you choose to grow foods you already like and purchase at the store.

4. Have a multi-family yard sale. Organize a multi-family yard sale to get rid of “junk” you have piled in your basement or attic – more families involved equals more crowds! Look on the Internet for tips to organize your for-sale items to make them more attractive to buyers.

5. Find free or discounted fun. Check out websites or local papers for listings of free outdoor movie nights and live music performances in neighboring cities and towns. Hit up festivals and farmers markets instead of paying admission to expensive theme parks.

6. Cancel your cable TV. With so many alternative ways to stream movies and television series online, it pays to cancel your cable TV. Go ahead and do it this summer.

7. Fire up the grill. Outdoor grilling, a favorite summer pastime, can save you money on indoor electricity costs. Hamburgers and hotdogs are tasty and affordable but don’t forget chicken, fish, pork, shish kebabs, and veggies. You can grill out every night of the week or have one big backyard barbecue where you grill several different items to freeze and have throughout the week.

9. Consider clipping coupons. If you haven’t used coupons before, consider trying them out this summer. You can start by collecting coupons (online and in your Sunday paper) and organizing them in a folder or binder. Searching “couponing tips” on the Internet can help get you started.

10. Earn extra income. Earning extra income by getting a part-time job or freelancing your creative skills is a great way to spend your free time this summer. Want to earn at your own pace while helping families become financially independent? Primerica offers a part-time opportunity that might be right for you!

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Posted in Primerica, Tips |

Jun

25.18

Know there are ways to earn extra income online, but not sure how to find what’s out there? Here are some unique, interesting and unusual ideas:

  1. Lease unused space. Have extra space in your home that you could rent out? Advertise a finished basement, studio apartment, or fully furnished room online. Going out of town for a while? Consider renting your whole house.
  2. Market your property to production companies. If you think your property might be a winner with the film industry, list it on location registry websites for motion picture production companies. It could prove to be a very lucrative move if a crew wants to shoot there.
  3. Shuttle people around. Have a car and some extra time? Pick up shifts when you can and earn money (and tips) in your area by driving people around in your personal vehicle using ride sharing apps. Don’t need your car for a weekend? There are ways to rent it out, too.
  4. Be a live audience member or answer a casting call. Find work on the set of films or live television shows by scouring daily listings for paid gigs in your area.
  5. Test websites and provide feedback. Earn extra cash by completing tasks on websites or apps. Marketers pay to get inside the heads of their target customers.
  6. Perform household tasks for clients. Answer requests to assemble furniture, help someone move, do general handyman or other tasks for pay as an independent contractor.
  7. Do freelance work for your talents. Get paid for your creative skills, whether you’re a writer, photographer, web developer or graphic designer.
  8. Offer your tutoring services. Did you have a high SAT score? If you are a whiz in a particular subject, offer sharing your subject matter expertise.
  9. Translate if you’re bilingual. If you’re fluent in a second language, advertise your services online.
  10. Take surveys online. Companies will pay people to take surveys and express their opinions on products and services and issues that affect their daily lives.
  11. Watch other peoples’ children. Love kids? Sites geared to your local area simplify the process of finding baby-sitting jobs in your area.
  12. Pet sit and/or walk dogs. If you have personal or professional experience watching or walking dogs, there are several online companies that will match you up with dog owners in your area that need your services.
  13. House sit. Many people will pay others to house sit while they’re away. Advertise your availability with house sitting services online.
  14. Serve on a virtual jury. Be a virtual juror and make money while expressing your beliefs and opinions about interesting legal cases and helping the court system become more efficient.
  15. Start your own business. Find flexibility and freedom in working for yourself while earning money at the same time. Interested in Primerica’s business opportunity? Visit Primerica Business Opportunity or talk to a Primerica representative in your area for more details.

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Posted in Primerica, Tips, Wallet Wellness |

Jun

14.18

Love may be blind when it comes to certain traits about your significant other, but seeing eye-to-eye on financial matters before getting hitched can save you and your loved one a lot of heartache down the road.

Considering that 21% of divorcees cite money problems as the main cause of a failed marriage – and factoring in the high cost of a divorce – it’s a subject that most experts say is vital to discussing before taking the plunge.* Here are four critical financial questions to ask your partner before saying “I do”:

What is your credit score? If you’re thinking of marrying someone, you’ll want to know if that person will bring as much to the table as you will, and vice versa. A low credit score can always be improved, but if you’re thinking of tying the knot, you have a right to ask. If your mate is forthcoming about a bankruptcy, it may not be the end of the relationship, but you’ll sure be glad you found out.

How much debt do you have? You’ll definitely want to know if your significant other has a significant amount of debt before you pledge to spend your life with them. If a large percentage of their income goes to debt repayment, you’ll need to consider how it will affect your household budget.

What are your financial goals? The financial goals of a person can be very telling about them, especially if that person is a future spouse. Where do they see themselves at 65? Do their financial goals coincide with yours?

Should we combine our finances? Do you like the idea of a joint account or are you more comfortable with separate spending? Discuss the pros and cons of both scenarios as well as a combination of both.

*Magnifymoney.com, “21% of Divorcées Cite Money as the Cause of Their Divorce,” February 13, 2017

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Posted in Primerica |

Jun

11.18

On May 23, the recipients of the 2017 Employee Choice Grant Awards program gathered together with Home Office employees and members of The Primerica Foundation for a special recognition event.

Primerica Home Office employees have the opportunity to nominate and choose from among a diverse selection of deserving non-profit organizations once a year. The Primerica Foundation awards five local non-profits with $10,000 each following the company-wide vote. The awards are designed to recognize smaller organizations that are making a strong impact in the local community.

The top five winners of the 2017 Employee Choice Grant Awards included Alzheimer’s Association of Georgia, CURE Childhood Cancer, Hope Animal Assisted Crisis Response, MUST Ministries and the Will to Live Foundation. To date, 28 non-profits have received Employee Choice Grant funding from The Primerica Foundation totaling $280,000.

Tom Gonter, Development Officer for MUST Ministries, says funding from The Primerica Foundation carries long lasting value to those who truly need it. “It makes a huge difference,” he says. “Because of your gift, the lives of others are transforming. Your generosity to those in need is benefitting some of the 30,000 clients a year who come to MUST Ministries seeking help and hope.”

The 2018 Employee Choice Vote will take place in the fall.

ABOUT THE PRIMERICA FOUNDATION

The Employee Choice Grant Awards is only one area of community outreach funded by The Primerica Foundation. Since its founding in 2010, The Primerica Foundation has awarded more than $6 million in grant funding mostly throughout Gwinnett County and Metro Atlanta. Self-sufficiency for low-to moderate income populations is a priority for Foundation funding.   Grant funding from The Primerica Foundation is by invitation only.

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Posted in Primerica |

May

30.18

You’ve got to eat – but spending money on food can be costly. Did you know the average household spends on average $3,008 a year on dining out?1 Add to that the modest average of $7,200 per year U.S. families spend on groceries ($600 a month)2, and you’re talking about some serious dough! Here are some tips on how cut your food spending:

Only Buy What You Need: A general rule of thumb has been that buying in bulk will help you save money in the long run. However, a recent survey found that shopping at club stores could actually be bad for your budget, and your waistline. Specifically, the study found that those who shopped regularly at club stores had a 5% increase in the amount of money spent on packaged food per person in the household, a 15% increase in the amount of time spent shopping, and an 8% increase in calories consumed.3 Instead of “saving money” by buying in bulk, start by making a list of what you need to feed you or your family for a week, decide how much you can spend, and pick a day to shop for only those items.

Don’t Waste Food: Despite being a cost-effective way to feed your family, a growing aversion to eating leftovers accounts for a large part of food waste at home. A recent study found that American consumers throw away 27 million tons of food each year.4 The reason for this? They either thought it had spoiled or they didn’t want the leftovers. While one solution is to learn to love your leftovers, another (and perhaps, more practical) way to stretch your budget is to plan meal your portions so you don’t have any leftovers in the first place.

Be Smart About Food Storage: Knowing how to stock your refrigerator and pantry to maximize the shelf life of your food is a great way to stretch your dollars and cents. Milk, eggs and raw meat are best kept in the lower shelf of your fridge, where temperatures tend to be colder, and the upper shelf, which is the warmest part of the fridge, is where you could keep condiments and items less likely to spoil quickly.5

 

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1 CNBC.com, “90% of Americans Don’t Like to Cook — And It’s Costing Them Thousands Each Year,” September 27, 2017
2 USAToday.com, “Take a Bite Out of Your Food Bill: How to Save Money on Groceries and Dining Out,” November 27, 2017
3 Money.CNN.com, “Club Store Shopping Makes You Spend and Eat More,” November 24, 2017
4 WashingtonPost.com, “Why Americans Have Stopped Eating Leftovers,” October 31, 2017
5 TheGlobeandMail.com, “How to Organize Your Fridge so You Don’t Waste Food (And Money),” November 16, 2017


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Posted in Primerica |