SoFi is committed to fighting racism, standing in solidarity with all of our communities, providing space for open dialogue, as well as taking action as informed allies. We are donating $1 million to organizations that empower people of color and their allies.
As the end of the year approaches, many of us find ourselves staring at our annual “to-do” list and wondering how none of it got done. Resolutions and to-dos have a funny way of building up at year-end like that, don’t they?
Luckily, there’s hope for us procrastinators. There is still plenty of time left in the year to take some action and feel accomplished by the ringing in of the new year. Cue the victory champagne (or hot chocolate, if that’s more your thing).
Below, we’ll cover some ideas for DIY projects for home that you can work on before the year comes to a close. Hopefully, this will help get the juices flowing on end-of-year projects so that you can finish the year on a high.
With each passing phase of your life comes plenty of new experiences, joys, opportunities and obstacles. The bright points may encompass things like gaining a higher education, getting married, having a child, buying a home, or going on that epic vacation you’ve always dreamed of. All of these adventures are rewarding and fulfilling in their own ways, but as you’ll find, many may add hefty expenses to your monthly bills…hence, the obstacles.
Indeed, those monthly expenses can really add up. With that higher education comes student loans; getting married now costs an average of $35,329 in America; raising a child through the age of 17 costs another $233,610 ; and the median home in the United States will set you back $200,000 .
In fact, the average American spends roughly 90% of his or her income each year, according to the Bureau of Labor Statistics. But even with all those bills, there are still ways to save and go further with your money. Here are nine tips to help you cut down your monthly expenses and save even more for the fun parts of life.
After the turkey’s been devoured, the wine consumed, and everyone is pleasantly stuffed (okay, overstuffed), millions of us head to the couch or the car to kick-start our holiday shopping. (You guessed it—this post is all about the Black Friday and Cyber Monday discounts!)
Black Friday and Cyber Monday used to be two distinctly separate shopping holidays, but as online shopping becomes more and more prevalent, the two dates are merging into a weekend-long sale extravaganza.
In an attempt to stand out from all the noise on the actual day, some retailers will often start their Black Friday deals earlier in the week—and even extend their deals into December.
And by taking advantage of the steep discounts following Black Friday and Cyber Monday, you can maximize your budget and get the gifts you’ve been eyeing.
While it can seem like almost everything is on sale from Thanksgiving all the way through the day after Christmas, there are certain buys that may be better deals than others.
Christmas carols are playing on the radio, decorated trees and presents line window displays—the holiday season is quickly approaching. If you’re stressed about all the holiday shopping you have left to do, you’re not alone.
Between finding the perfect gift for everyone on your list and fighting crowds at the mall, holiday shopping isn’t always a pleasant activity. But doing some of your shopping before the holidays are in full swing could help alleviate some of the shopping-related stress and can be financially advantageous. With all the hustle and bustle around the holidays, staying ahead of your shopping can be difficult.
Doing the bulk of your holiday shopping online could end up saving you a little bit of money, especially when you’re taking advantage of Black Friday sales or other holiday deals. Here are 10 helpful tips so you can get ahead on your holiday shopping and make the most of your money.
As a kid, there’s a strong chance you dreamed about becoming a doctor. In fact, according to Fatherly’s Imagination Report , becoming a doctor is the number one dream of young girls nationwide. It’s also the number one dream career for children living in the West and the mid-Atlantic, and second in the Great Lakes, Midwest, Southeast, and Southwest, according to Fatherly.
And apparently a lot of those kids actually followed through on their dreams, as more than 51,000 people applied to med school in the 2017 to 2018 school year. Of those applicants, more than 21,000 actually got in. (And if you’re wondering what it takes to be part of the 40% who got accepted, the Association of American Medical Colleges revealed that the average MCAT score for applicants was 501.8 in the 2016 to 2017 school year and 504.7 for 2017 to 2018. The average score for matriculating students was 508.7 in the 2016 to 2017 school year and 510.4 for 2017 to 2018. In other words, MCAT scores aren’t trending down.)
Upon graduation, these medical school students turned doctors can expect an average salary of $294,000 a year, and more if they follow through with a specialty such as becoming an orthopedic surgeon, a job which commands an average salary of $489,000 . Or if they choose to live and practice in a state that pays medical professionals particularly well, like North Dakota, they can expect to make an average of $361,000.
Career tips, money advice, workplace trends, and more.
Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, reside in an eligible state and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org)
✝︎ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
INVESTMENTS: NOT FDIC INSURED • HAVE NO GUARANTEE • MAY LOSE VALUE. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. The SoFi Wealth platform is operated and maintained by SoFi Wealth LLC, an SEC Registered Investment Advisor. Brokerage services are provided to clients of SoFi Wealth LLC by SoFi Securities LLC, an affiliated broker-dealer registered with the Securities and Exchange Commission and a member of FINRA /SIPC . Clearing and custody of all securities are provided by APEX Clearing Corporation. For more information, please see SoFi Wealth LLC’s Form ADV Part 2 by clicking here for SoFi's Wealth Form ADV Part 2 A&B or by visiting www.adviserinfo.sec.gov .