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How to Break the Cycle of Debt and Mental Health

The spread of coronavirus has shaken the economy with mass layoffs and increased uncertainty. As a result more and more Americans are finding themselves in mounting debt. In 2018, the American household debt reached an all-time high at $13.21 trillion across 300 million people. But for those with a diagnosable mental illness, debt has an even more detrimental impact. 

A Guide to Attractive Nuisances

As summer approaches, people start looking forward to spending time outdoors. Children especially get excited about playing outside. While parents should be encouraging their children to be active, it is important to be aware of the potential dangers they could face in their outdoor environments, especially in the summertime. In fact, the National Safety Council indicates that more preventable, accidental deaths happen during the two months of July and August each year than during any other two-month period.

Without exception, the accidental injury or death of a child would be devastating to any family. To make matters worse, the civil and legal implications of a child’s accidental injury or death would compound the resulting trauma if the child was on a neighbor’s or business’s property.

Expiration Dates and What They Really Mean

Every few months, Sarah and I clean out our pantry and cupboards. We pull out absolutely every item in there, sort them into sensible groups, make sure everything in there is still good, and put the good items back in there in a sensible fashion. Usually, at the same time, we make a bunch of meal plans for the next few weeks to use up some of the items that have been there for a while.

The thing is, you’ll often find us putting items back in the cupboard that have dates on them that have already passed.

This doesn’t mean that we eat a bunch of spoiled food. It’s simply a recognition of the reality of dates printed on containers and cans and boxes: those dates actually have a whole lot of different meanings, and there’s no real standard for those meanings.

Reduce Your Impact With Our Car Emissions Guide and Calculator

What kind of impact do you have on the environment?

According to the U.S. Environmental Protection Agency (EPA), a typical passenger vehicle emits 4.6 metric tons of carbon dioxide per year. One ton is equivalent to a balloon that’s about 30 feet in diameter, so if you were to visualize the metric tons emitted per person per year, picture a balloon 138 feet in diameter.

Counteracting the “Sameness” of Frugal Living

One complaint people often make when they settle into a more frugal lifestyle is that their life begins to take on a feeling of “sameness,” in that each day feels more similar to the others than it did before they made frugal changes to their life. (This same shock is being felt by people under stay at home orders, too, for similar reasons.)

I’ll give you a great example of this. Many people settle into a routine of eating out fairly often, and this gives them an opportunity to visit different environments and eat different food very frequently. As people shift toward frugality, that often translates into eating at home more often, where the environment is more or less the same every day.

Does Renters Insurance Cover Storage Units?

When you buy renters insurance, you probably have one primary reason for making that purchase: you want to protect your belongings. Renters don’t have to worry about rebuilding their homes after a disaster, but that doesn’t mean fires, theft and other perils can’t impact their belongings. Fortunately, renters insurance gives you a way to protect your furniture, clothes and electronics.

Thanks to off-premises coverage, your policy can extend to your belongings even when they are not at your rental. Still, that doesn’t necessarily mean that anything you bring outside the walls of your rental is completely covered.

If you’re storing stuff in a storage unit, you might wonder if your items are covered. Let’s take a look at how your renters insurance can double as storage unit insurance and where it falls short.

12 Inexpensive and Thoughtful Mother’s Day Gifts

Mother’s Day is coming up this weekend and, for a lot of us, it’s an event that won’t be like normal. The possibility of many Mother’s Day traditions, like a nice dinner at a restaurant, isn’t even possible in many areas, and social distancing closes the door on many ideas, whether it’s enforced in your area or not.

So, what options are there for Mother’s Day that don’t involve just ordering a gift online somewhere and having it shipped to her house?

Here are 12 inexpensive and thoughtful ways to commemorate Mother’s Day without simply clicking a few times on the first item you see on Amazon. (I might be using one or two of these, though I won’t mention which ones.)

For some, reading this article might be the first time Mother’s Day has been on their radar. If that’s you, just choose one of these projects and dive in — most of them can easily be accomplished in a few days if you give some hours to them, and many can wait until Mother’s Day itself.

Questions About Weddings, Windfalls, Castile Soap, Hybrid Cars, CSAs and More

What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question.
1. Using my stimulus check
2. Gas prices and hybrid cars
3. Worried about returning to work
4. Wedding planning suggestions?
5. Safely storing cash at home
6. CSA and safety
7. Financial success and self-worth
8. Figuring out break-even point

Delta SkyMiles® Reserve American Express Card Review

A top-shelf rewards credit card with luxury travel perks.

The gives you access to coveted airport lounges, which is a unique benefit that will be highly attractive to some. Only a few American Express rewards cards will get you into the 10 Centurion Lounges around the world. Additionally, the card offers a number of other travel benefits, including access to Delta Sky Clubs and a free checked bag on Delta flights.

Like any credit card, it does come with some drawbacks, including a high annual fee and a low rewards rate on everyday purchases. Therefore, it will be a good fit for those who frequently fly with Delta and want to travel in comfort and style, but not those who want to earn while at home.

Let’s take a closer look at the pros and cons as well as how it compares to other Delta SkyMiles offerings.

Inspiration from Brooke Foss Westcott, Handwritten Letters, Elizabeth Gilbert, and More

Once a month (or so), I share a dozen things that have inspired me to greater personal, professional, and financial success in my life. I hope they bring similar success to your life. Please enjoy the archives of earlier collections of inspirational things.

This month’s installment is heavily geared toward things that have inspired me to better writing, being a better parent, being a better husband, and keeping my head on straight during this most challenging of times.

1. Winnie the Pooh on memories

“We didn’t realize we were making memories, we were just having fun.” – Winnie the Pooh

Like many of us, my mind keeps turning back to things that seemed so normal just a few months ago that are now gone from my everyday life.