https://artsphere.org Transforming Lives Through The Arts Tue, 21 May 2024 01:43:23 +0000 en-US hourly 1 https://igrushka-online.ru/?v=6.5.5 https://artsphere.org/wp-content/uploads/2020/07/cropped-android-chrome-512x512-1-32x32.png https://artsphere.org 32 32 https://artsphere.org/blog/lesson-13-enjoy-your-savings/ Thu, 16 May 2024 23:34:24 +0000 https://artsphere.org/?p=182720 The last step is to enjoy what you have worked for. Reward yourself after reaching goals. Typically, people travel and take vacations after retiring, but you don’t have to wait until then. Take the time to look at what you have accomplished.  Your Destination: Take a vacation, now it’s time …

The post Bonus – Enjoy Your Savings first appeared on Art Sphere Inc..]]> https://artsphere.org/blog/lesson-12-read-the-fine-print-not-everything-is-as-advertised/ Thu, 16 May 2024 23:25:26 +0000 https://artsphere.org/?p=182709 Your Destination: Advertising provides an image of a service or product for consumers to buy. Read the fine print. Advertisements are meant to make you want something, but just remember, would you have bought it before seeing the ad? Travel Kit: Do the research and make sure you are getting …

The post Lesson #12 Read the Fine Print; not everything is as advertised first appeared on Art Sphere Inc..]]> https://artsphere.org/blog/lesson-11-investing/ Thu, 16 May 2024 23:21:29 +0000 https://artsphere.org/?p=182702 Your Destination: Saving money is excellent, but there is no point in putting all your money into a savings account or hiding it under the mattress. You want to make a portion of your money works for you. You will want to not only save but also grow your money …

The post Lesson # 11 Investing first appeared on Art Sphere Inc..]]> https://artsphere.org/blog/lesson-10-buy-smart/ Thu, 16 May 2024 23:19:57 +0000 https://artsphere.org/?p=182701 Your Destination: You work hard, so it’s time to reward yourself! It often pays to wait for a sale, when you might be able to purchase that product at a much lower price. You can also buy a similar product or non-brand product with the same purpose to save money. …

The post Lesson #10 Buy Smart first appeared on Art Sphere Inc..]]> https://artsphere.org/blog/lesson-9-what-are-aprs-annual-percentage-rate-and-why-it-is-important-to-avoid-them/ Thu, 16 May 2024 23:11:52 +0000 https://artsphere.org/?p=182692 Loans are okay if you have a good plan for paying them back. It is the same system for mortgages, credit cards or personal loans.  Your Destination: A purchase APR is the rate consumers are charged. This is the rate of purchasing a product or service and paying interest over …

The post Lesson #9 What are APR’S (Annual Percentage Rate) and why it is important to avoid them first appeared on Art Sphere Inc..]]> https://artsphere.org/blog/lesson-8-start-building-your-credit-history/ Thu, 16 May 2024 23:10:55 +0000 https://artsphere.org/?p=182691 You will want to pay the total amount of the credit card’s statement balance to avoid being charged interest. It is a good idea to establish a credit score, which you can do by becoming an authorized credit card user for a family member or a friend. This will help …

The post Lesson #8 Start Building Your Credit History first appeared on Art Sphere Inc..]]> https://artsphere.org/blog/lesson-7-know-the-difference-between-need-and-want/ Thu, 16 May 2024 22:59:09 +0000 https://artsphere.org/?p=182676 Your Destination: For anyone to save money or know what to spend it on, you must distinguish between luxuries and necessities.  Travel Kit: Necessary items are things you need to have like food, water, clothes, dishes.  Luxury items are things you should buy when you have excess income after paying …

The post Lesson #7 Know the Difference between Need and Want first appeared on Art Sphere Inc..]]> https://artsphere.org/blog/lesson-6-types-of-checking-accounts/ Thu, 16 May 2024 22:58:16 +0000 https://artsphere.org/?p=182675 Your Destination: A checking account is the easiest way to track your expenses. You can check what you spend on and how much.  Travel Kit: See handout Sample Savings Account Bank Statement, Traditional Checking Account: Things to Consider and Make a Sample Check Handouts. On the Path: Compare which account …

The post Lesson #6 Types of Checking Accounts first appeared on Art Sphere Inc..]]> https://artsphere.org/blog/lesson-5-ways-to-save/ Thu, 16 May 2024 22:49:55 +0000 https://artsphere.org/?p=182660 Your Destination: A basic savings account is a way for you to deposit your money and withdraw at any time. For example, if you want to save 10% of your income on a regular basis, you can deposit that money in a savings account.  If you also have a checking …

The post Lesson #5 Ways to Save first appeared on Art Sphere Inc..]]> https://artsphere.org/blog/lesson-4-finish-what-you-start/ Thu, 16 May 2024 22:48:59 +0000 https://artsphere.org/?p=182659 Your Destination: One of the best ways to set yourself up for success is to finish whatever you start.  Remember the bigger the goal the more time it may take.  Do not get discouraged if you come across an obstacle; it takes you one step closer to your goal.  Travel …

The post Lesson #4 Finish What You Start first appeared on Art Sphere Inc..]]>