Harrison Funding and Johnson Funding may be running a debt consolidation scam according to multiple personal finance sites. Harrison Funding has begun flooding the market with personal loan, debt consolidation and credit card relief offers in the mail with the website My Johnson Funding. The problem is that the terms and conditions are at the very least confusing, and possibly even suspect.
The interest rates are so low that you would have to have near-perfect credit to be approved for one of their offers. Best 2020 Reviews, the personal finance review site, has been following Harrison Funding, Johnson Funding, Taft Financial, Georgetown Funding, Credit 9 and others.
The holidays are just around the corner, and they bring with them lots of festivities and joy. Another, not so fun thing that accompanies the holidays is the urge to spend. Statistics show that the average consumer easily spends $1000 or even more on the holidays.
The issue here is, if you’re swiping your credit card or taking some money out of a savings account to pay for all the decorations, presents and everything else, you are likely to find yourself in a lot of extra debt by the start of 2021 and in need of credit card consolidation.
Don’t worry,though; your wonderful Christmas shall go on!
The best way to enjoy your holiday season to the maximum without having to worry about future debt is by making a holiday budget and following it to the THere is a step-by-step guide to creating the perfect holiday budget that will make sure you have a merry Christmas without falling in debt. You don’t want to end up in a position where you don’’t take out a loan because you don’t qualify.
1. Determine the Total Amount You Can Spend
The very first step should always be to estimate just how much you can afford to spend this holiday season so you don’t . Only then can you create a reasonable budget and start purchasing the gifts.
To estimate your total spending amount, be sure to consider all the expenses of the holiday season. It should generally include the money you will spend on:
- Gifts for your family, friends and coworkers.
- Wrapping paper for the gifts.
- Any holiday cards and postage.
- Travel costs if you’re flying to be with family.
- Decorations for your tree.
- Entertainment for your holiday guests.
- Food if you’re hosting Christmas dinner or a party.
An excellent rule to follow is to set aside approximately 1.5% of your total annual salary for your holiday budget. This is around two weeks’ worth of income. Your total budget for gifts should be no more than half of this amount, which is around one week’s pay.
2. Figure Out Who You’re Buying For
Now that you know how much you can spend in total, it’s time to figure out who you’ll be spending money on. Buying gifts randomly and then deciding who you can give them to will often leave you with extra stuff lying around.
To avoid this, create a proper list of all the people in your life that you want to buy a present for this holiday season. Then, set up a points system instead of having a specific dollar amount for each gift. This will allow you flexibility in picking out the gifts and make your Christmas shopping a lot easier.
For example, you can give 3 points for immediate family members and best friends, 2 points for close friends and dear cousins, 1 point for everyone else like coworkers or distant relatives.
Add up the total points, and then divide it by your gifting budget to find the money to spend per point. Now, you can easily multiple it by the number of points to find out how much to spend on each person. You can also consider redistributing the points if you feel like you aren’t giving enough to certain people.
The most crucial factor to remember is that you stay within your budget, no matter what.
3. Create a Proper Shopping Plan
Once you know how much you can spend on each relative or friend, it’s time to make a solid shopping plan. Do your research and lookup online stores before heading to the mall. You can often find exclusive holiday sales or discounts online that may not be available in-store. It will help you cut back on your expenses and perhaps spend on new clothes for a holiday party or a bigger tree.
4. Try DIY-ing Memorable Gifts
Remember, gifts of time are way more special than gifts of money. You can show your family and friends how much they mean to you by setting aside some time over the weekend to DIY a few unique gifts.
Homemade gifts are highly personalized and more memorable than anything you buy off the counter. After all, you know what your best friends would like better than any retailer or mall shop. Look up videos on YouTube or search for DIY gift ideas on Pinterest to help you out here.
Some Tips To Adjust Your Budget
You might find yourself a little short on money when you start buying gifts and decorations. Here are a few quick tips you can follow to adjust your budget and still have a good holiday.
Sell Unwanted Things
If you need to give your holiday spending budget a boost, don’t reach out for your savings! Instead, consider de-cluttering your closet or storage space and take out all the things you don’t need. Things like tools, clothes, collectibles, electronics, and home goods can fetch you a fair price on Craigslist. You can even have a little garage sale for all these items to increase your holiday spending a little.
Stop Yourself from Indulging
A good practice to follow, especially a few months before the holiday season, is to cut down on indulging. Instead of grabbing your morning coffee from the local Starbucks and going to the movies every weekend, try to make your coffee at home and stay in every now and then. These expenses may not seem like much, but over a few months, you’ll find yourself saving up an impressive amount.
The Final Words
There you have it! All the steps you need to follow to stay within budget and not end up with stressful debt over the holidays. If you need further help or guidance, consider talking to a credit and debt counsellor. They will help you create your budget and offer useful solutions to get you out of debt ASAP.
Outsourcing Front-End Development Services: Insider’s Guide
Outsourcing front-end development services has become increasingly popular in recent years as companies look to access specialized skills and expertise, and save on labor costs. According to the Global Outsourcing Survey made by Deloitte, the top reasons for outsourcing front-end development are to access specialized skills (57%), cost savings (50%), and to free up internal resources (49%).
This article will cover some frequently asked questions (FAQs) in a Q&A way to help you make an informed decision when considering outsourcing front-end development services. We’ll address concerns such as how to find the right vendor, how to communicate effectively, and how to manage the project to ensure success. By the end of this article, you’ll have a better understanding of the considerations and best practices for outsourcing front-end development services.
What is front-end development?
Front-end development, or client-side development, refers to designing and implementing a website’s or application’s user interface (UI). It involves creating the layout, visual design, and interactive features that users interact with when they visit a website or use an app.
Front-end development plays a crucial role in the user experience of a website or application, and it’s an essential part of any digital product. The work of a front-end developer often intersects with that of a UX designer and a back-end developer.
Why should I consider outsourcing front-end development services?
As mentioned in the intro, there are several reasons why outsourcing front-end development services may be an excellent option for your company. One of the main reasons is cost savings. Outsourcing is often more cost-effective than hiring in-house developers, especially if you only need front-end development services for a specific project.
Also, a company can benefit from a vendor’s specialized skills and experience and the ability to scale its development resources as needed. This can be especially useful for companies with fluctuating project demands or in need to quickly ramp up or down their development efforts.
In addition, outsourcing front-end development can allow a company to focus on its core competencies and improve the overall quality of the product, as well as save time by delegating the development work to a vendor.
How do I find the right front-end development company to work with?
Finding the right front-end development company to work with is crucial for a successful project. Start by defining your project goals, timelines, and budget, and research potential vendors with experience in the technologies and frameworks relevant to your project.
Review the company’s portfolio and case studies to get a sense of their past work and the types of projects they have experience with. Glassdoor, Trustpilot, LinkedIn, GoodFirms or Clutch are some platforms to do this. Consider the company’s culture and values. You can also request references and speak with past clients to get an idea of the company’s track record and how well they handle challenges like yours.
What should I consider when choosing a front-end development company?
There are several factors to consider when choosing a front-end development company. Technical skills and experience are crucial, as the company will be responsible for building and implementing the UI of your website or application. Check if the company has experience with the technologies and frameworks you need for your project.
Effective communication and collaboration are also essential. Verify that the vendor has a track record of working well with clients and can effectively communicate and collaborate with your team. Cultural fit is also important, as you will be working closely with the vendor for the duration of the project. It’s a good idea to have a face-to-face or video call meeting to get a sense of the company’s culture and see if it aligns with your own.
Finally, consider the company’s pricing and business model. Make sure the company is transparent about its rates and fees and that they align with your budget. Also, consider whether the company offers flexible pricing options or packages that may be more suitable for your needs.
Once you’ve narrowed down your options, it’s a good idea to request proposals from a few different vendors. This will allow you to compare and contrast their approaches and determine the best fit for your project.
Bringing it all together
In summary, outsourcing front-end development services can be an easy, cost-effective, and efficient way to access specialized skills and expertise. By carefully considering factors such as technical skills, communication and collaboration abilities, cultural fit, pricing, and business model, you can find the right vendor to meet your needs and achieve success with your project.
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