5 Reasons You Need To Hire A Financial Consultant

If you’re a busy individual and have no time for the day-to-day management of your money, you may need to consult a financial consultant. Beyond being busy, however, there are major turning points in your life where working with a financial consultant is absolutely necessary. For instance, if you’re approaching retirement, you’ll have to figure …

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Guide to Managing Finances for Deploying Service Members

Life in the military offers some distinct experiences compared to civilian life, and that includes your budget and finances. The pre-deployment process can feel overwhelming, especially when you’re organizing your money and bills.  It’s important you provide your family with…

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How To Become a Freelancer and Make a Full-Time Income

Today, I have a fun interview to share with you that will show you how to become a freelancer. I recently had the chance to interview Ben Taylor. Ben has been freelancing since 2004, and he has worked for dozens of companies. Yes, this is a career path that you can learn! As Ben will

The post How To Become a Freelancer and Make a Full-Time Income appeared first on Making Sense Of Cents.

Who Can and Cannot Witness a Will?

A will is an important part of your financial plan. When you create a will and testament, you’re creating a legal document that determines how your assets will be distributed once you pass away. You can also use a will … Continue reading →

The post Who Can and Cannot Witness a Will? appeared first on SmartAsset Blog.

11 Coffee Hacks for Flavor, Stains, and More

Flavor tips

Obviously, coffee is the best part of every morning. But if your coffee needs a pick-me-up, we've got you covered. 

Make coffee more drinkable

If you’re sensitive to acidity in coffee but love the pick-me-up in the morning, here’s a way to reduce the acid level: Just add a pinch of baking soda to the drink! You can also use this tip to decrease the acidity in other high-acid drinks and foods.

Save your cream

If your cream or half-and-half has begun to develop an “off” odor, but you desperately need it for your coffee, try mixing in 1/8 teaspoon baking soda, which will neutralize the lactic acid that is causing the cream to sour.

Before you use the cream, however, taste it to make sure the flavor is still acceptable.

SEE ALSO: Grammar Girl's Why Do We Call Coffee a 'Cup of Joe'?

Perk up your coffee

Make stale coffee taste like it’s just been brewed by adding a pinch of salt and a dollop of fresh water to your cup. Heat it up in the microwave, and you’re ready to power through the rest of your workday. Works for me every time!

Remove coffee stains

These stubborn stains aren't going to get themselves out! 

Chase coffee stains

Coffee stains can be frustrating, but you can get them out of your carpet by pouring beer on them. That’s right—one great beverage deserves another! Just dribble a couple of sips onto the stain, and it should vanish. Dab up the extra beer with a paper towel, and if the coffee stain doesn’t go away completely, repeat the task a few more times. This trick works on tea stains, too.

Get creative with stains

If you can’t get a coffee or tea stain out of a white tablecloth, try one last solution. Soak the tablecloth in a bucket of strong coffee or tea (depending on the type of stain) for 2 hours. You won’t get the stain out, but you will dye your linen a lovely earth tone!

RELATED: Who Knew's How to Remove Almost Every Stain

Other ways to use coffee

Who knew that you could use coffee for reasons other than getting out of bed in the morning? 

Share some coffee

Here’s an ingenious idea for an elegant-looking decoration that also smells wonderful! Place coffee beans in votive holders or small bowls, then add tea light candles. They’ll cast a pretty glow and make your home smell like coffee.

Try vanilla-scented tea lights if you love the smell of French vanilla coffee.

Surprising use for a coffee bean

To freshen your breath, try sucking on a coffee bean. It’s much cheaper than a breath mint, and tastes great to us coffee addicts!

Reach for a coffee filter

We always prefer to clean our windows with something reusable, like an old rag. But if you like to go the disposable route, try coffee filters instead of paper towels. They won’t leave behind any lint or paper pieces. Coffee filters work great for electronic screens as well—they grab dust without scratching or leaving streaks.

SEE ALSO: Domestic CEO's No Mess Camping Coffee

Perfect wood patch

If you need to repair a hole in a piece of wood, add a small amount of instant coffee to the spackle, or to a thick paste made from laundry starch and warm water. The coffee tints the paste to camouflage the patched-up spot.

Freeze out funk

Add a shallow bowl of freshly ground coffee, uncovered, to your freezer. Leave for a few days and any funky freezer odors will disappear.

Cover up with coffee.

Would you ever imagine coffee stains could be a good thing? For your damaged wood furniture or floors, they are. Just brew a very strong pot, and then use a cotton ball or rag to apply the coffee over the scratch. It works as a stain, and will blend in the scratch in no time!

Should You Make Payments During Coronavirus Student Loan Deferment?

As Americans grappled with the financial consequences of the pandemic in March of this year, the federal government took several actions to help cash-strapped consumers. For starters, Congress passed the Coronavirus Aid, Relief, and Economic Security (CARES) Act in late March of 2020, which included a temporary suspension of payments and interest for government-owned student

The post Should You Make Payments During Coronavirus Student Loan Deferment? appeared first on Good Financial Cents®.

How to Become Financially Stable

The post How to Become Financially Stable appeared first on Penny Pinchin' Mom.

lThese are things you must due in order to improve your financial stability.   Let’s talk about financial stability. The truth is, living a financially stable lifestyle leads to all kinds of great things like great credit scores.  You have a savings pillow to fall back on during hard times.  It allows you more possibilities … Read More about How to Become Financially Stable

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