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Five Lessons Learned From A Financial Reporter

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jason stauffer and wife

There is plenty of great personal advice out there. But how do you figure out whether or not it applies to you? Jason Stauffer, a NextAdvisor reporter, shares that there’s no single tip or money hack that will instantly turn your life around. However, some principles can guide you towards achieving your goals. You will need to find a way to apply them to your unique status or situation. So, here are the best personal finance tips to use.

Five Best Personal Finance Tips By Jason Stauffer

1. Budgeting Is More Than Just Managing Money

Stauffer said that his budget was a personalized spreadsheet he constantly updated for many years. It was part of his dream of becoming a young Warren Buffet. However, that budget rarely helped him feel less stressed about money.

During his early stint at NextAdvisor, Stauffer discovered zero-based budgeting or ZBB. Once he and his wife started to apply the method, they started saving more and feeling less anxious about money. A reasonable budget should manage your expenses and your emotional relationship with money. 

With ZBB, every money that comes in is assigned to a specific purpose. They allocated funds to pay for rent, cellphone, and other expenses. Aside from that, they also allot money for more than their current bills. This strategy helped them pay off student loans sooner than scheduled. 

ZBB also helped the couple build an emergency fund. For example, when their cat needed a $2,000 emergency surgery, they already have that amount available. Without sufficient emergency funds, it would have been a hindrance to their goals. 

The zero-based budgeting app called You Need a Budget (YNAB) has effectively turned credit cards into debit cards.

If you want to explore ZBB, YNAB is a great place to start. But take note, the app is not free. There are lots of free or cheap ZBB templates available. And ZBB isn’t the only budgeting approach that works. As you explore different budgeting methods, focus on why you want a budget. 

2. Prioritize Income Over Expenses

Some people have paid off their mortgage in less than six years and settled six-figure sums of debt. One common factor for these success stories is they constantly find ways to make more money. They engage in side hustle businesses or find better-paying jobs. Still, having a budget that works is the first step towards achieving goals. 

Stauffer also shared that they are expecting their first child, and it is as vital as ever to increase household income. His wife is considering a transition from freelance to a full-time world, which would provide a more stable income. From there, they might also explore other side hustle opportunities. 

Starting a freelance or side hustle might not be as challenging as you perceive. Chances are you already have hobbies and talents you could utilize or develop to augment your income. 

3. Learn To Negotiate

The idea of negotiating has always been overwhelming, but it’s one of the best personal finance tips to use. In reality, dealing is usually as simple as asking for what you want. Thinking about a good offer sometimes includes offering something of value in return. 

Any method of negotiation is better than no negotiation at all. Find an approach that could assist you in doing it and become more comfortable. You could try making an indirect request and evaluate if it is easier for you. 

4. Be Patient and Consistent

Transforming the status of your finances takes time. Almost all financial success stories are prefaced by a long learning period and establishing momentum. Whether learning to code before becoming a tech entrepreneur or saving up for a downpayment on a house or property, significant changes take time. 

If you can only take small steps, focus on taking small steps. It can be not easy seeing how fast everyone else moves or progresses. What’s not seen is how much time it took them to develop the speed you’re seeing. 

5. Future Homeowners: Ask About a Zero Mortgage

The most overlooked strategy Stauffer encountered for reducing your mortgage cost is to ask for lender credits instead of a higher interest rate. The credits would be used to settle the loan fee portion of your closing costs in this situation. With a zero-cost mortgage, you’d be paying a reduced amount every time you buy a home or refinance.

When researching lenders, always ask if they have a zero-cost loan option. Then, compare your options and see which one applies to you.

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Lifestyle

BedStory® 12 Inch Memory Foam Hybrid Mattress

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mattress

Do you need a good night’s sleep but your mattress is ruining that? It’s time to find a brand-new mattress to relieve yourself of the stress of the day and doze off without a hitch. Learn more about the Bedstory 12-inch Memory Foam Hybrid Mattress and what people think about the product here!

BedStory

wave hybrid mattress
Image source: BedStory

BedStory has helped millions of sleepers get quality sleep with their mattresses, pillows, and toppers. Since 1983, the company has sold its products to over 90+ countries. Plus, they ensure that only state-of-the-art technology makes it to their products to improve people’s sleep. Additionally, their product line is made in the USA, ensuring quality standards are met every time new products are manufactured.

Specifications

bed specs

Price: $369.99 to 559.99 (tax included)

Mattress Sizes

The BedStory Memory Foam Hybrid Mattress comes in four sizes: twin, full, queen, and king. Plus, it comes in 12 or 14-inch sizes, too.

Mattress Layers

Have a restful sleep with six layers of comfort. The soft-knit fabric is on top that helps your mattress breathe. Plus, it keeps you cool while you sleep. It has a fire-resistant barrier and the gel bamboo charcoal memory foam. Plus, it has high-density foam, pocket springs, and base foam.

Lumbar Support

Have terrible back pain and want to alleviate it during sleep? BedStory has lumbar support embedded in its mattress. Pocket coils and orthopedic foam act as lumbar support while you slumber. 

Cooler and More Refreshing Sleep

Their memory foam infuses gel and bamboo, making it feel cool on your body as you sleep soundly. It’s also made out of knitted fabric to let the mattress breathe. Additionally, you don’t have to worry about odors since it has moisture-wicking and odor-reducing properties. Plus, it also dissipates heat.

Motion Isolation

Do you or your partner toss and turn all night long and can’t get a wink of sleep? BedStory reduces the noise of joints shuffling all around. It’s all because the springs absorb any noise that could disturb your slumber.

Mattress Expansion

Since this is a bed in a box, it will take time for your brand-new mattress to expand to its original state. The BedStory mattress expands within 48 to 72 hours.

Delivery, Warranty, and Return

Expect your brand-new BedStory Mattress to arrive within 2 to 5 business days! The wait will all be worth it once it arrives at your doorstep.

Your BedStory Memory Foam Hybrid Mattress will have a 10-year warranty.

Regarding returns, you can try sleeping on the new mattress for 30 nights’ worth of sleep. However, if you’re not fully satisfied with the mattress, a return is possible within a 100-night window.

Certifications

You’ll be safe and sound when sleeping on a BedStory mattress since it’s CetriPUR-US and OEKO-TEX Certified. This ensures that you’re sleeping on a mattress without any harmful chemicals.

Recommended Bedframes

BedStory suggests that you can place the memory foam mattress on a platform, box spring, or slatted frame bedframe for an optimized sleeping experience. You want to make sure that you’re putting the bed on a solid bedframe to let the mattress expand properly and let you sleep without any disruptions.

The Ideal Sleepers

woman sleeping

Like many products, the mattress isn’t a one-size-fits-all. Not everyone will enjoy their slumber with this mattress. However, it’s good to know who’ll love sleeping in this bed all day long.

  • Light and sensitive sleepers
  • Babies
  • Elders
  • People experiencing regular joint aches and pains

Maintaining The BedStory Mattress

woman making the bed

Most beds last seven to ten years. After all, it’s expensive to change mattresses regularly. During your sleep tenure with BedStory, you can care for it to make your mattress last long. Here are tips from BedStory to help you maintain the mattress.

  • Don’t eat on the bed
  • Use a vacuum to remove dirt or debris
  • Spot clean stains using detergent
  • Put a mattress protector
  • Rotate the mattress to avoid further wear and tear. Rotate it every 3 to 6 months
  • Air out the mattress
  • Don’t jump on the bed

What Do Sleepers Think?

reviews

BedStory sleepers love the mattress firmness. It’s medium-firm, so if you’re looking for something soft, you’re better off buying a mattress topper to make it soft. Plus, some sleepers find it easy to sleep faster. Additionally, you don’t have to worry about aches and pains upon waking up or during the middle of the night.

However, BedStory isn’t for everyone. For instance, some sleepers find that the mattress doesn’t expand or inflate to its actual size. Other sleepers say that firmness isn’t enough for them. Plus, other sleepers experience aches and pains while sleeping on this mattress.

Final Thoughts

Choosing the BEST mattress is essential to getting a good night’s sleep. The BedStory Memory Foam Hybrid Mattress could be the next mattress to grace your bedframe. Many sleepers rave over the mattress since they sleep easier, faster, and better. Plus, some experience less or no pain upon waking up, which is a game-changer for many sleepers. Finally, it’s value for money considering the specs. You don’t need to change your mattress regularly. Plus, you can return the mattress if it’s not a good fit!

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Lifestyle

6 Top Adventure Travel Destinations

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skydiving

Nothing makes your trip exciting than visiting the best adventure travel destinations. Adrenaline junkies are always on the lookout for places that offer thrilling experiences, beautiful landscapes and satisfying challenges. If you haven’t decided on the next travel adventure, here are 00 destinations you must look into. 

1. New Zealand

sky diving

New Zealand is known for its breathtaking landscapes and offers many adventurous activities. It’s one of the best places to try sky diving. Whether you want to go solo or do tandem sky diving, New Zealand is the next place to visit. You can enjoy a picturesque view over 144 islands in the Bay of Islands with Skydive Bay of Islands.

2. Nepal

everest hiking

If you’ve been dreaming about hopping on a place and trekking and climbing the mountains of the Himalayas, then book a trip to Nepal. This adventure activity is only for the experienced as Mount Everest isn’t for the faint of hearts. If you’re a novice climber, you can go as high as the Everest Base Camp or Annapurna Circuit. However, the more serious climbers will go as far as the peaks of Mount Everest and Annapurna. 

3. Chile

glacier trekking

South America boasts some of the best adventure travel destinations, including Chile’s Torres del Pain National Park. You can start ice hiking the Grey Glacier from the Refugio Grey, beginning with a 15-minute zodiac boat ride to glacier’s western arm. Once you walk the glaciers, you can revel in its size and beauty. Enjoy peering into the deep blue crevasses or explore the magnificent ice caves. The more advanced ice hikers can even do a vertical ice climb!

4. Costa Rica

surfing

If you’re looking into the next surf and beach travel destination, hop on a plane to Costa Rica. Bring your surfboards to Pura Vida and enjoy the rich culture and simply contagious vibes. The stunning coastlines are laden with surf camps for the novice and experienced surfers. You’ll also enjoy a few restaurants and chic cafes to go about your work day. You can surf Costa Rica all year round on its two coasts and enjoy warm waters and a tropical climate. 

5. Australia

scuba diving

Australia offers both mountains and beaches for both the adventure seekers on these terrains. And it’s no surprise why The Great Barrier Reef gets more than 14 million recreational visitors yearly. Travelers enjoy fishing, sailing, boating, swimming, and snorkeling. But those who seek adrenaline rush go scuba diving in The Great Barrier Reef because it’s one of the best scuba diving destinationa in the world. It features an abundance of marine life divers won’t find in any other diving destinations. 

6. South Africa

shark cage diving

Experience the diverse wildlife in South Africa and indulge in activities like bungee jumping and shark cage diving. Marvel in the grandeur of these creatures and experience their presence up close inside a cage underwater. Visit South Africa’s popular shark cage diving hotspots like Port Elizabeth, Durban, Cape Town, Mossel Bay, and Gansbaai. 

Where to next?

Traveling to adventure destinations requires careful planning and consideration to ensure a safe and enjoyable experience. Research your destination thoroughly, including local customs, weather conditions, and any travel advisories. Plan your itinerary and activities in advance, but also be flexible to accommodate unexpected changes. Assess your physical fitness level, prepare accordingly, and enjoy!

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Lifestyle

Style Redefined: The 10 Best Men’s Apparel from SWET Tailor

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man sitting on a skateboard

Fashion trends come and go, but a timeless brand emerges that redefines style and excellence. SWET Tailor is established to create clothes for the modern guy. The company’s signature offerings include streamlined looks, comfortable designs, and muted tones with pops of color. Scroll down to explore the best men’s apparel from SWET Tailor that seamlessly merges comfort with elegance and individuality with global appeal. 

1. SWET Jogger

gray swet tailor jogger

Elevate your casual wardrobe with the SWET Jogger, perfect for your recreational lifestyle. SWET Jogger offers distinct quality and comfort. It is made from 100% Suprese™, a 96/4 cotton/spandex blend fabric by SWET Tailor. 

The jogger pants have an adjustable detailed drawstring waistband and a stitch articulation detail at the knee panel. In addition, the back zipper closure pocket and side zip pockets make it more versatile. 

SWET Jogger is available in eight colors and fits true to size from Small to XXL. 

Price: $99

2. Fairway Jogger 

black swet tailor jogger

Fairway Jogger features a “dress pants meets jogger” style. You don’t have to choose between a golf look or street style with this functional pant that looks great on and off the course. Made from an exceptionally lightweight fabric blend, it offers incredible comfort and style. Fairway Jogger has lined front and zipper back pockets with a hidden front zipper pocket.

Price: $119

3. All-In Polo

yellow polo shirt

This classic polo is one of SWET Tailor’s Bestsellers. You can wear this ultra-comfortable top from meetings to dinners. Tuck it in or not, SWET Tailor-made the All-in Polo in the perfect length to be styled either way. It has an adjustable 3-button placket and a self-fabric reinforced collar for extra comfort. Plus, there are 11 colors you can choose from. With this comfort, we bet you’ll purchase more than one! 

Price: $69

4. The Duo Jacket

dark blue swet tailor duo jacket

Jackets are a men’s fashion staple. Update your collection with The Duo Jacket by SWET Tailor. It may look like a classic denim jacket, but it’s not. This jacket is made from an exceptional fabric blend and combines traditional design and comfort. The Duo Jacket is available in Black, Navy, and Denim Grey. 

Price: $149

5. Lightweight SWET-Hoodie

pink swet tailor hoodie

From the jackets, let’s move to the trendy and functional hoodies. Stand out from the crowd with this crewneck sweatshirt in SWET Tailor’s 100% Suprese™ material. The hoodie has a custom-engineered 4-way stretch to recoil and rebound. It is lightweight enough to be styled under your favorite jacket. 

Price: $99

6. Duo Joggers

white swet tailor joggers

This White Duo Joggers is a perfect addition to your closet as you anticipate wearing your whites in spring or summer. Thanks to their modern jogger style, you can wear them anytime, anywhere. It features an elastic waistband and cuff for an easy fit, belt loops for versatility, and an inner waist drawstring for a polished look. 

Price: $129

7. Virtus Short

black swet tailor shorts

The Virtus Short is an effortless blending of classy and casual styles. The super lightweight fabric and sleek design make you want to own multiple pairs. Why not? SWET Tailor’s athleisure shorts are designed for comfort and style, always ready for your next adventure. 

Price: $99

8. Stretch Fleece Zip Hoodie

blue swet tailor zip hoodie

The Stretch Fleece Zip Hoodie is a perfect choice if you’re a zip hoodie guy. It’s one of the best fleece hoodies on the market today. The Stretch Fleece Zip Hoodie has two front pockets for comfort and rib contrast trims for a modern look. Elevate your wardrobe essentials today by adding this hoodie to your closet. 

Price: $99

9. Softest T-Shirt

light blue swet tailor t-shirt

This incredibly soft t-shirt guarantees a silky, lightweight feel. The Softest T-shirt is so comfortable you’ll never want to take it off. The rounded hem and short length help achieve a better fit that flatters any size. With 18 unique colors, you’ll start buying now and collect as many colors as you want! 

Price: $49

10. The “Classics” Bundle

swet tailor classics bundle

For an easy, convenient, and life-changing wardrobe upgrade, go for The “Classics” Bundle. With SWET Tailor’s men’s clothing bundles, we tick off the hassle out of your morning routine. Each set is packed with comfortable and versatile pieces designed to match perfectly with others. 

The “Classics” Bundle includes: 

  • One SWET-Shirt
  • One Pair of All-In Pants
  • One Pair of Duo Pants 

Price: $240

About SWET Tailor 

SWET Tailor is an American company established to redefine casual wear for a modern lifestyle. They believe that style and comfort must come together. With that goal in mind, SWET Tailor created a comfortable and office-ready collection of athleisure wear. The company offers versatile, stylish options that seamlessly transition from casual to formal.

SWET Tailor vs Lululemon and Other High-End Brands 

In the early days of the 20th century, there was only leisure. Then, as decades passed, came athletics. The popularity of sports such as golf, tennis, and jogging paved the way for a new clothing style—eventually, a clothing style known as athleisure was born. However, when athleisure was first introduced, the term was quite literal. It refers to athletic clothing to be worn at leisure. 

Fast-forward to 2023, sportswear as fashion clothing is linked with cultures worldwide, paving the way for more brands offering these apparel collections. 

SWET Tailor stands out in a competitive landscape alongside high-end brands like Lululemon. They are known for exceptionally high quality, good value clothing. Based on the reviews. Their clothing’s color survived several washes without fading. 

While Lululemon and other premium brands have established themselves in the market, SWET Tailor differentiates itself in several key aspects, such as: 

  • Redefine style
  • Craftmanship and detail
  • Commitment to versatility that seamlessly adapts to various lifestyles 
  • Global appeal

While Lululemon and similar brands have their market presence, SWET Tailor’s commitment to quality positions it as a captivating choice for those seeking a distinctive wardrobe.

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