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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

10 Best Fitness Equipment of 2024

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woman holding kettlebell

Starting your fitness journey this year will be your wisest decision. Whether you visit your nearby gym or do it at home, using the right exercise equipment is crucial. But don’t go overboard when you’re doing the latter! Our fitness buffs have your back! We’ve tried some of the best fitness equipment of 2024, and here’s our list.

1. Fitness watch

Getting a fitness watch should be your first tool when starting your fitness journey. It lets you record your daily activities, check the calories burned, remind you to move, and track everything you do—even your heart rate! Apple offers fitness watches that also sync with your phone, but here are some affordable ones on Amazon:

Fitbit Sense 2 – $299.95

Garmin Epix Pro – $1,099.99

2. Resistance bands

Resistance bands are portable and affordable if you’re always on the go. They promote strength training and also improve stability. 

Fit Simplify – $9.95

WSAKOUE Resistance Bands – $29.99

3. Kettblebells

If you frequent home workouts, getting a kettlebell can let you exercise with less fitness equipment. It can improve strength, power, and endurance. Kettlebells are excellent for developing overall fitness. 

Amazon Cast Iron Kettlebell – $17.40

WeGym Soft Kettlebells – $169.99

4. Pull-up bar

A pull-up bar is one of the best fitness equipment at home. It’s convenient, and you can move it around. This is also great if you want to work on your upper body strength. 

Ally Peaks Pull-up Bar – $31.89

Sportneer Pull-up Bar – $39.99

5. Exercise bike

If you’re willing to invest in extensive fitness equipment, an exercise bike should be one of the first things to get. It offers multiple benefits, primarily working on your cardiovascular fitness! Getting on an exercise bike every morning, even for 30 minutes daily. This fitness tool is excellent for strengthening your legs and burning calories!

Yosuda Exercise Bike – $249.99

Ativafit Folding Exercise Bike – $365.49

6. Treadmill

If you’re fond of running, getting a treadmill is a way to do it regularly. Sometimes, weather conditions prevent you from going outside to run. With a treadmill on standby, you can do it anytime while watching TV, listening to music, or watching over your children.

Umay Folding Treadmill – $319.99

NordicTrack T Series – $2,999

7. Rowing machine

If there is one fitness equipment I make a beeline for at my local gym, it’s a rowing machine. This equipment might seem simple, but a few rows on this bad boy will leave you feeling like you ran for miles. A rowing machine is excellent for endurance training and a great full-body workout. 

Yosuda Rowing Machine – $299.99

Snode Rowing Machine – $399.99

8. Dumbbells

Dumbbells are the most versatile fitness equipment you can have around the house. Whether you’re doing circuits or weightlifting, dumbbells will surely elevate your workout routine. You can perform different kinds of exercise programs with dumbbells! Plus, it helps you gain muscles, lose weight, and boost your overall health. 

Amazon Basics Dumbbells – $14.93

ProForm Dumbbell Set – $299

9. Step platform

Using a step platform is a form of low-impact workout. This could be a cardio workout alternative if you’re worried about regular jogging or running impacting your joints. It works both your upper and lower body strength!

Yes4All Step Platform – $48.99

Yes4All Step Platform – $18.99

10. Yoga mat

You can’t start your fitness journey without a yoga mat. Getting one lets you perform exercises wherever, whenever! This is an excellent fitness companion for your cooldown exercises or stretching routines. 

Amazon Basics Yoga Mat – $20.19

Manduka Pro Yoga Mat – $136.76

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Lifestyle

10 Best Robot Vacuums of 2024

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robot vacuum

Getting a reliable robot vacuum means you can lay around on your couch while the cleaner does the heavy lifting! Our team searched high and low for the best robot vacuum, and we can say we enjoyed testing them! Here are our top 10 picks for the robot vacuums of 2024. 

1. iRobot Roomba j7+

The Roomba j7+ is the best robot vacuum overall. It features self-emptying capabilities, intelligent navigation, and an easy-to-use app. Despite being loud and having average battery life, it recognizes up to 80 household objects, ensuring your home gets cleaned while avoiding cords and shoes. PrecisionVision Navigation and the P.O.O.P. guarantee add to its appeal.

Price:

2. iRobot Roomba s9+

We all agree that this is the best robot vacuum for pet hair. It features a D-shaped design for corner cleaning, exceptional suction power, and an auto-empty base. Though expensive and with average battery life, it offers 40 times power-lifting suction, 30% wider dual multi-surface rubber brushes, and Dirt Detect technology for tackling excessive pet hair and dirt.

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3. Eufy S1 Pro

If you’re looking for a robot vacuum with powerful suction, look no further. The Eufy S1 Pro boasts an 8,000PA suction and self-washing mop head for unparalleled cleaning efficiency. Intelligent mapping ensures precision, while speed and effectiveness set it apart. Despite being expensive and loud, its cutting-edge self-cleaning technology and power make it a top-tier choice.

Price:

  • $999 on Kickstarter

4. Shark ION AV751

If you need a robot vacuum on a tight budget, the Shark ION AV751 is for you. This robot vacuum offers excellent suction power and a 120-minute run time. Its tri-brush system and stair/cliff edge detection make it efficient. Alexa and Google Assistant integration adds convenience, making it a manageable option for those seeking simplicity.

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5. Neato Botvac D8

The Neato D8, known for its D-shaped design, excels in corner cleaning and advanced mapping. Ideal for smaller homes, it offers 100-minute battery life and a lidar for space mapping. The app supports no-go zones and scheduling, though it can’t map multiple floors and may climb low furniture and ledges.

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6. Bobsweep PetHair Vision

Designed for pet owners, this vacuum excels at pet hair removal and offers smart navigation and mopping capabilities. Its quiet operation and three-inch height allow easy cleaning under furniture. With longer battery life, it efficiently covers large areas. The drawback? Its cleaning schedule may reset unexpectedly, and customer service follow-through can be slow.

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7. Dreame X30 Ultra

This best 2-in-1 vacuum and mop offers quiet, self-emptying, dual oscillating mop heads and MopExtend mop pads. Although it has an app that’s not very user-friendly and is expensive with recurring costs, it provides comprehensive cleaning of all surfaces. Its multi-functional base station and 8300PA suction power ensure efficient home maintenance.

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8. Samsung Jet Bot AI+

If you don’t mind the bulky size, the Samsung Jet Bot AI+ is a good robot vacuum option. Its self-cleaning base adds convenience. This robot vacuum has an attractive design and advanced AI for obstacle avoidance.

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9. Dyson 360 Heurist

The Dyson 360 Heurist offers exceptional cleaning power with solid suction and intelligent mapping. This premium robot vacuum reaches edges effectively, thanks to its motorized brush. Though slow to set up, its precise map fine-tuning and methodical cleaning make it a top choice.

Price:

10. Roborock S8 Pro Ultra

Nothing is more self-sufficient than this all-in-one robot vacuum. It’s self-cleaning, self-emptying, self-washing, self-drying, and self-refilling! Plus, it uses VibraRise mopping and customizable cleaning routines.

Price:

$949.99 on Amazon

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Lifestyle

BedStory® 12 Inch Memory Foam Hybrid Mattress

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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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