Tag: Information

Why starting over is the perfect time to get your money right!

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Long story short, my web page has to start over again. Not only is it starting over but it will have to rebuild what it once had. With that being said, I am okay with it. Just like everything else, sometimes it is best to just start anew.

I run this page

This is the accompanying website to my one-woman operation podcast. I also have a Facebook page and a very private Facebook group that is by invite only. I help women who have gotten a late start get a hold of their finances and take control so that they don’t end up old bitter hags who are still working even though they are well past the age of retirement.

Kidding . . . kinda . . .

Seriously though, take control now so that you can do what you want to later. I know it is hard. We all want to have that . . . .

Well maybe not all of us, but I do!

I am Cecily White aka Teacher Ces. I have a podcast that you can find here:

Find Out Which Rules to Break and Which to Follow! – Teacher Ces Podcast

#femaleentrepreneur #sidehustle #teacherlife In this video, I explain to you that The Teacher Ces Podcast is coming back for season three. It is time for my return.   🌻 LET'S CONNECT ON INSTAGRAM: See my life and my biz-ness https://www.instagram.com/teacherces   🌻S U B S C R I B E. https://www.youtube.com/channel/UCYnq…   🌻 F O L L O W Website | https://teachercesblog.wordpress.com/…   🌻Instagram | https://www.instagram.com/teacherces/​   🌻Facebook | TeacherCes   🌻Twitter | @TeacherCes   🌻 W H A T  I ' M  R E A D I N G The Simple Path to Wealth: https://amzn.to/3xTyMPH   *Disclaimer: Some links are affiliate. By clicking and or purchasing, I may receive a monetary reward. It does not alter the price or change your buying experience. As always like and subscribe. Follow me on all of my social media platforms!    🌻 TeacherCes Podcast http://teacherces.libsyn.com   🌻 Instagram: https://www.instagram.com/teacherces   🌻 Twitter: https://www.twitter.com/teacherces   🌻 Facebook: http://www.facebook.com/teacherces   🌻 Pinterest https://www.pinterest.com/teacher_ces              
  1. Find Out Which Rules to Break and Which to Follow!
  2. Let's Talk Non-Fungible Tokens (NFTs)
  3. What NOT to do with your Stimmy
  4. That Damn Shot . . .
  5. Getting Pimped for a Slice of Pizza

Teacher Cecily White (Teacher Ces) is all about financially empowering teachers in a matter-of-fact and supportive way. I have obtained a master’s degree in education and an undergraduate degree in communications. I also hold advanced university certification in teaching English as a Second language. When I am not teaching at home online, I can be found working in the public school system as an English as a second language teacher fight outside of Washington DC. Since I haven’t done it enough already, I want to plug my podcast. I am the host of Teacher Ces Podcast on iTunes, Stitcher, and Spotify. My schedule is always busy as the divorced mother of fraternal preteen boy/girl twins.

Why Should I Make a Budget?

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Calculating The Household Budget

You say you know where your money goes and you don’t need it all written down to keep up with it? I challenge you! Keep track of every penny you spend for one month and I do mean every penny.
You will be shocked at what the itty-bitty expenses add up to. Take the total you spent on just one unnecessary item for the month, multiply it by 12 for months in a year and multiply the result by 5 to represent 5 years.
That is how much you could have saved AND drawn interest on in just five years. That is all the reason that you need to create a budget.
If we can get control of the small expenses that really don’t matter to the overall scheme of our lives, we can enjoy financial success.
The little things really do count. Cutting what you spend on lunch from five dollars a day to three dollars a day on every work day in a five day work week saves $10 a week… $40 a month… $480 a year… $2400 in five years….plus interest.
See what I mean… it really IS the little things and you still eat lunch everyday AND that was only one place to save money in your daily living without doing without one thing you really need. There are a lot of places to cut expenses if you look for them.
Set some specific long term and short-term goals. There are no wrong answers here. If it’s important to you, then it’s important period.
If you want to be able to make a down payment on a house, start a college fund for your kids, buy a sports car, take a vacation to Aruba… anything… then that is your goal and your reason to get a handle on your financial situation now.

Rebates – Reward or Rip Off?

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Cons Pros Buttons Show Decisions Or Debate

Cons Pros Buttons Showing Decisions Or Debate

Rebates have become increasingly popular in the last few years on a lot of items and certainly on electronic items and computers. Rebates of $20, $50 or $100 are not uncommon.

I’ve even seen items advertised as “free after rebate”. Do these rebates come under the heading of “too good to be true”? Some of them do and there are “catches” to watch out for but if you are careful, rebates can help you get some fabulous deals.

The way a rebate works is that you pay the listed price for an item then mail in a form and the bar code to the manufacturer and they send you a refund thus reducing the price of what you paid for the item except with a time delay of several weeks.

Rule #1. Rebates from reputable companies are usually just fine.

You can be pretty sure you will get the promised rebate from Best Buy, Amazon or Dell but you should probably not count on getting one from a company you’ve never heard of. If you really want the product and are OK with paying the price listed then buy it but don’t count on actually getting the refund.

Rule #2. Check rebate expiration dates.

Many times products will stay on the shelf of a retailer after the date for sending in the rebate offer has expired so check that date carefully.

Rule #3. Be sure you have all the forms required to file for the rebate before you leave the store.

Rebates will almost always require a form to be filled out, a receipt for the purchase and a bar code.

Rule #4. Back up your rebate claim.

Make copies of everything you send in to get your rebate including the bar code. Stuff gets lost in the mail all the time and if the rebate is for $50 it’s worth the trouble to back up your claim.

Are Travel Agents Obsolete?

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I am currently in the process of booking my families summer vacation.  I feel that I am very hands on when it comes to finding the best deals, especially in the summertime when deals are few and far between.  The amount of travel websites on the innerwebs can seem overwhelming.  These travel web sites have been very successful at facilitating travelers to book their own airline and hotel reservations online.  So with this huge push from the internet to take over the travel industry, one has to ask, “Are travel agents obsolete?”

If you have browsed some of these travel sites, you have observed that they are amazing in the diversity of travel options that they make available.  And it is impossible to deny that many thousands of people have taken advantage of these services.  Then, there is the business traveler.  The business traveler has needs that are somewhat different than the typical airline passenger.

There are some very specific services that a living and breathing travel agent can provide that simply cannot be replicated by an automated web site like Kayak or Hotwire.   Some of those services that a seasoned business traveler would be hard pressed to live without include…

  1. Focus You as a business traveler are not arranging this trip for entertainment.  You have specific business objectives in mind.  So if you must take time away from preparation for your business task to worry about travel itineraries, hotel and rental car reservations and the like, that is time that you are not being productive for your business.  If you can call a talented travel agent who knows your travel profile well and delegate those arrangements to that agent, they do their job in finding just the right accommodations for you and you are freed to do what you do best, focus on your business and the upcoming business trip.
  2. Economy It is difficult to find that balance between finding the accommodations that fit the demanding schedule of a businessperson on the road and is respectful of the companies travel budget as well.   If you use an automated online travel service, you may have to sacrifice convenience, schedule or location for economy.  A good travel agent will work hard to get you the right itinerary while getting as close the corporate travel cost restrictions as possible.  And they will do it without taking up a lot of your time.
  3. Back up. You don’t need help if your trip goes completely as planned.  But if you encounter problems on the road, you can find yourself in need or rescheduling flights and finding new accommodations to work around canceled flights, weather issues or other unexpected interruptions to your plans.  These travel disasters are not mindful of your tight deadlines to meet your business goals.  But if you have a travel agent who is dedicated to providing you service, he or she can find those alternative routes and resources to do all they can to get you to your destination so you can conduct your business on time.
  4. That personal touch. You may have travel preferences that you want to achieve with each trip you take.   A travel agent has your profile and your travel history so they can do what they can to accommodate your preferences.  But moreover, if you have specific special needs such as a diet limitation or a need for accommodation due to a disability, it will be a travel agent that sees to it that your needs are provided for and you are well taken care of on the road.

 

  1. Complications. If your travel itinerary involves making connections with other business partners who are traveling from diverse offices, complex travel schedules and itinerary challenges that just cannot be described to the generic screens of an online travel service, you can explain these complications to your travel agent and they can work with other travel agents working to organize the meeting and see to it that your itinerary meets your requirements.

 

While the online travel services do provide a valuable and affordable alternative to the general traveling public, it is easy to notice their limitations if you are trying to book a trip that is tricky or if you have specific needs that the screens do not anticipate.  That is why working with a human travel agent guarantees that this travel professional will dedicate themselves to the task of making sure your trip works to your specifications and that you get to your destination ready to conduct business and be successful in your achieving your goals.