Are you ‘Insecure’ about your financial situation
canada goose uk shop I’m not the target demographic for HBO’s “Insecure” series, but I watch to stay up on millennial trials and tribulations. canada goose uk shop
Canada Goose online The comedy/drama has been a hit with young adults for its spot on depictions of their struggles to succeed in relationships and careers. The most recent episode tackled how to deal with being broke. Canada Goose online
canada goose uk black friday The lead character, Issa (played by show creator Issa Rae), is 30 canada goose jacket outlet uk years old and living in California. She’s pushed out of her apartment by rising rent and forced to crash on the couch of an ex, Daniel (Y’lan Noel). canada goose uk black friday
uk canada goose outlet In the real world, affordable housing in major metropolitan areas is a significant issue for young adults. The listing service RentCafe recently looked at the rent that millennials paid adjusted to canada goose jacket outlet sale 2017 dollars from the time they turned 22 until canada goose uk site the age of 30. During this eight year canada goose outlet store near me period, they spent a total of $92,600 in rent, taking up a whopping 45 percent of their income. uk canada goose outlet
Canada Goose Online Many experts recommend limiting your housing costs to no more than 30 percent of your gross income. But 20.8 million renters canada goose outlet in canada in 2016 were paying more than that, which creates a “cost burden,” according to Harvard University’s Joint Center for Housing Studies. Canada Goose Online
buy canada goose jacket cheap [This is how you know you’re living above your means] buy canada goose jacket cheap
Canada Goose Jackets Eleven million renters canada goose outlet florida paid more than half of their income on housing, according to the center. When you’re spending such a Canada Goose Outlet high percentage of your earnings canada goose outlet trillium parka black on housing, it doesn’t leave much room for essentials. And most important, it hinders your ability to save. Canada Goose Jackets
Using buy canada goose uk Issa’s housing dilemma, “Insecure” has good money lessons canada goose outlet 2015 for millennials.
canada goose clearance Don’t be embarrassed to ask for canada goose outlet online help: Issa tucked her pride in her purse and canada goose outlet paypal moved in canada goose outlet mississauga with her ex. It’s by no means an ideal situation with him dating canada goose outlet buffalo other women and all. But she’s bad at making good choices. canada goose clearance
canada goose coats A previous stay and minor controversy over a broken vase stands in the way of Issa agreeing to live with her wealthier single best friend. canada goose jacket outlet store She’s got a brother with a spare room. However, she didn’t like his house rules. And at least her ex isn’t charging her rent. canada goose coats
Generate multiple streams of income: In addition to working full time for a nonprofit education organization, Issa joins the gig economy by driving for Lyft. Drivers for this ride hailing company have average earnings before canada goose outlet in new york expenses of about $17.37 per hour, according to a survey by the Rideshare Guy blog.
canada goose factory sale Get help from the right people: Issa again humbles herself and gets financial advice from her friend Kelli (Natasha Rothwell), who is an accountant. canada goose factory sale
On Kelli’s computer screen, we see Issa’s credit score. It’s canada goose outlet los angeles 425.
Issa: “My credit score can’t be that bad.”
[What’s keeping you from becoming a millionaire?]
Kelli: “Bad would be a step up. The basic credit tiers are excellent, good, poor, bad this is Issa. It’s all the way at the bottom.”
uk canada goose Kelli tells Issa that there is no way to canada goose outlet vip get around the credit issue and qualify for an apartment unless she puts down three or four months’ canada goose outlet in uk rent “if she’s been saving,” or get a co signer for the lease. uk canada goose
Canada Goose sale “Not me,” Kelli quickly says before Issa can even ask. Here again, good advice. Never co sign for anybody! Canada Goose sale
Issa says she’s doing everything she can to improve her financial situation, singing: “I’ve been savin’. I’ve been savin’.”[This is how you know you’re living above your means]
Let’s go to her bank statement.
canadian goose jacket “Oh, girl,” Kelli says disapprovingly. canadian goose jacket
canada goose Issa has most canada goose outlet online uk definitely not been saving enough. And she’s still eating out a lot. canada goose
[Ready to pay off your credit cards? Try the ‘Debt Dash’ method]
“Lids?” Kelli asked, referring to a specialty headwear store.
“I like my caps fitted,” Issa says. Interesting, because we rarely see the character in any hats.
canada goose coats on sale “Look, long term, I can set you up with a credit counselor here, and I can help you plan out a canada goose outlet black friday budget,” Kelli says. “But right now, you don’t have enough money to move out on your own.” unicorndesigns.ca canada goose coats on sale.