Business

Johnson Funding and Harrison Funding Won’t Help With Your Budget

Published

3 years ago

January 3, 2021

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.

Business

Turning Tragedy into Triumph Through Walking With Anthony

Published

2 hours ago

April 18, 2024

Rosario Farell

On the morning of February 6, 2010, Anthony Purcell took a moment to admire the churning surf before plunging into the waves off Miami Beach. Though he had made the dive numerous times before, that morning was destined to be different when he crashed into a hidden sandbar, sustaining bruises to his C5 and C6 vertebrae and breaking his neck.

“I was completely submerged and unable to rise to the surface,” Purcell recalls. “Fortunately, my cousin Bernie saw what was happening and came to my rescue. He saved my life, but things would never be the same after that dive.”

Like thousands of others who are confronted with a spinal cord injury (SCI), Purcell plunged headlong into long months of hopelessness and despair. Eventually, however, he learned to turn personal tragedy into triumph as he reached out to fellow SCI victims by launching Walking With Anthony.

Living with SCI: the first dark days

Initial rehabilitation for those with SCIs takes an average of three to six months, during which time they must relearn hundreds of fundamental skills and adjust to what feels like an entirely new body. Unfortunately, after 21 days, Purcell’s insurance stopped paying for this essential treatment, even though he had made only minimal improvement in such a short time.

“Insurance companies cover rehab costs for people with back injuries, but not for people with spinal cord injuries,” explains Purcell. “We were practically thrown to the curb. At that time, I was so immobile that I couldn’t even raise my arms to feed myself.”

Instead of giving up, Purcell’s mother chose to battle his SCI with long-term rehab. She enrolled Purcell in Project Walk, a rehabilitation facility located in Carlsbad, California, but one that came with an annual cost of over $100,000.

“My parents paid for rehabilitation treatment for over three years,” says Purcell. “Throughout that time, they taught me the importance of patience, compassion, and unconditional love.”

Yet despite his family’s support, Purcell still struggled. “Those were dark days when I couldn’t bring myself to accept the bleak prognosis ahead of me,” he says. “I faced life in a wheelchair and the never-ending struggle for healthcare access, coverage, and advocacy. I hit my share of low points, and there were times when I seriously contemplated giving up on life altogether.”

Purcell finds a new purpose in helping others with SCIs

After long months of depression and self-doubt, Purcell’s mother determined it was time for her son to find purpose beyond rehabilitation.

“My mom suggested I start Walking With Anthony to show people with spinal cord injuries that they were not alone,” Purcell remarks. “When I began to focus on other people besides myself, I realized that people all around the world with spinal cord injuries were suffering because of restrictions on coverage and healthcare access. The question that plagued me most was, ‘What about the people with spinal cord injuries who cannot afford the cost of rehabilitation?’ I had no idea how they were managing.”

Purcell and his mother knew they wanted to make a difference for other people with SCIs, starting with the creation of grants to help cover essentials like assistive technology and emergency finances. To date, they have helped over 100 SCI patients get back on their feet after suffering a similar life-altering accident.

Purcell demonstrates the power and necessity of rehab for people with SCIs

After targeted rehab, Purcell’s physical and mental health improved drastically. Today, he is able to care for himself, drive his own car, and has even returned to work.

“Thanks to my family’s financial and emotional support, I am making amazing physical improvement,” Purcell comments. “I mustered the strength to rebuild my life and even found the nerve to message Karen, a high school classmate I’d always had a thing for. We reconnected, our friendship evolved into love, and we tied the knot in 2017.”

After all that, Purcell found the drive to push toward one further personal triumph. He married but did not believe a family was in his future. Regardless of his remarkable progress, physicians told him biological children were not an option.

Despite being paralyzed from the chest down, Purcell continued to look for hope. Finally, Dr. Jesse Mills of UCLA Health’s Male Reproductive Medicine department assured Purcell and his wife that the right medical care and in vitro fertilization could make their dream of becoming parents a reality.

“Payton joined our family in the spring of 2023,” Purcell reports. “For so long, I believed my spinal cord injury had taken everything I cared about, but now I am grateful every day. I work to help other people with spinal cord injuries find the same joy and hope. We provide them with access to specialists, funding to pay for innovative treatments, and the desire to move forward with a focus on the future.”