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WHO DO YOU KNOW THE WANTS HELP? OR, JUST WANT TO CUT SOME OF THEIR MONTHLY BILLS DOWN SO THEY COULD HAVE MORE MONEY IN THEIR POCKETS AT THE END OF PAYING MONTHLY BILLS? Receive complimentary support on services and expenses you already pay for, such as light bills, gas bills, cellular phone bills, healthcare costs, and more! Free help! Some people are just tired of other selling them stuff. Why not just help people! Free! Who do you know that need FREE help? 50 states. Let's see if we could help! Totally free! Because, I ran into so many people, living paycheck to paycheck, and their monthly bills, that comes each month like clock work, keeps getting higher and higher! It's NOT about selling people stuff they do NOT need. It's about helping people on bills, they ALREADY HAVE, and they MUST pay. Who need help? Contact me through private messenger. Executive Team Leader, Chief Executive Officer, and Founder of Collins Family Associates, LLC. Office: 248.283.3764 Toll Free: 877.326.8139 Email: Lovelle@collinsfamilyassociates.com Company website: collins777.acndirect.com

Eager to slash household expenses? 🏡💸 Look no further than your unused subscriptions. It’s easy to get lured by subscription services that seem inexpensive. But all that money adds up! 💲💲💲 According to C+R Research, most consumers spend more than $200 on subscriptions every month (yikes!). And 42% admit that they’re still paying for subscriptions they never use. Cutting back on subscription services could help you save to meet bigger goals. 💰 Sift through your automatic payments to see which ones deserve a goodbye — and you can say hello to improved money management. Do you have some sneaky ways to save on household expenses? We’d love to hear them! Share if you dare! 👇 Read the whole blog post here: https://lnkd.in/gXF7sjZK Contact us today: ☎️ 1-(800) 861-7289 💻 info@seaandskirealty.ca #SaveMoney #MoneySaving #FinancialFreedom #MoneyManagement #HomeBudget #RealEstate #RealEstateTips #RealEstateAgent #Realtor #Realty #Saving

https://lnkd.in/gMt9p77Q Non-Essential card spending slows to lowest growth since February 2021, as consumers continue to feel pressure of rising household bills - resulting in reduced discretionary spending. #payments #consumerspending

Eager to slash household expenses? 🏡💸 Look no further than your unused subscriptions. It’s easy to get lured by subscription services that seem inexpensive. But all that money adds up! 💲💲💲 According to C+R Research, most consumers spend more than $200 on subscriptions every month (yikes!). And 42% admit that they’re still paying for subscriptions they never use. Cutting back on subscription services could help you save to meet bigger goals. 💰 Sift through your automatic payments to see which ones deserve a goodbye — and you can say hello to improved money management. Do you have some sneaky ways to save on household expenses? We’d love to hear them! Share if you dare! 👇 Read the whole blog post here: https://lnkd.in/ezauhSSq Contact us today: ☎️ 1-(800) 861-7289 💻 info@seaandskirealty.ca #SaveMoney #MoneySaving #FinancialFreedom #MoneyManagement #HomeBudget #RealEstate #RealEstateTips #RealEstateAgent #Realtor #Realty #Saving

Receive complimentary support on services and expenses you already pay for, such as light bills, gas bills, cellular phone bills, healthcare costs, and more! Free help! Some people are just tired of others selling them stuff. Why not, just help people! Free! Who do you know that need FREE help? 50 states. Let's see if we could help! Totally free! Because, I ran into so many people, living paycheck to paycheck, and their monthly bills that comes each month like clock work, keeps getting higher and higher! It's NOT about selling people stuff they do NOT need. It's about helping people on bills, they ALREADY HAVE, and they MUST pay. Who need help? Contact me through private messenger.

As essential expenses soar in cost our only response to non-discretionary expenses (such as shelter, utilities, healthcare etc..) is: “yes, it’s costly, but there’s little we can do about it without making major changes in our lives”. Discretionary purchases are a different matter. The pleasure gained from the purchase must be significant enough to justify the financial cost. However, at some point—varying for each individual—the cost becomes so high that the pain of that expense outweighs the pleasure of the purchase. Even well-off retirees are shocked when a fast-food meal that would have been covered by a $20 bill a few years ago now requires a $20 and a $10. As long as the credit card had plenty of spending power, people didn’t seem to feel any pain as costs rose. $400 per day for an ordinary room in a standard resort? No problem. $100 to change the car’s oil? No problem. But once the funds available for discretionary spending dry up, sensitivity to financial pain increases. The perception of value varies significantly, depending on time, place, and individuals. What seems costly in one situation may offer high value to someone else. But if we chart all these unseen data points, we sense a change in the tide: many discretionary purchases are no longer worth the cost. This introduces two psychological factors in inflation: 1) The successive increases in the cost of services that were previously stable, triggers a spending cut behavior. When the utility bill rises month after month, we take notice and start considering actions to reduce or eliminate this expense. 2) The other factor is that we tend to complain when prices rise, as if low prices are an entitlement and we’ve somehow been deprived of something we’re entitled to. But value is conditional and contingent, meaning that it depends on variables that are not constant and consumers cannot expect the same level of prices over time. In some cases, we simply can no longer afford the service or product. In other cases, the value has diminished as the cost has risen, or the cost has risen to the point where it far exceeds the value. As inflation is expected to remain “sticky”, some consumer behaviors might change accordingly, especially with discretionary purchases. (Written by Alberto Soncini)

Just published: UK Consumer Confidence improves three points in June to -14 This is the third monthly increase ⬆️since March and is driven by optimism about the UK economy. Two key measures were up including our views on the general economic situation over the next 12 months which rose six points to -11. In comparison, views on personal financial situation over the next 12 months dropped three points to +4. The headline score remains negative owing to the difficulties so many have experienced as the unrelenting cost-of-living crisis batters household budgets. Read the full story https://lnkd.in/g6V45d-f #GrowthfromKnowledge #ccbuk #ConsumerSentiment

If you’re feeling the financial squeeze of the holiday season this year, you’re not the only one. According to a recent survey by Spring Financial, 76% of Canadians are planning to reduce their holiday spending this year and 12% are not planning to give gifts at all. Learn more on Financial Post 👇 https://lnkd.in/gxaa83pE  #HolidaySpending #FinancialStress #PersonalFinance

💶 Could you do a 14-day challenge to track your spending?   📋 The CSO will ask 6,000 households around the country this year to take part in the new Household Budget Survey (HBS) which was launched recently. Each member of the household aged 16 and over will be asked to record the details of their day-to-day spending over 14 consecutive days in a Spending Notebook, which will be provided to by the CSO.   🔒 Any information we collect from households is anonymised, which means no one will ever be identified from the data we publish.    🍕 Each household will get a better sense of where their money is going and greater spending awareness. The CSO gets more detail on the types of items being purchased, the percentage of incomes spent on bills or groceries, and changing buying habits.   ➡ Find out more here: https://lnkd.in/evQYgxZk #CSOIreland #Ireland #HBS #HouseholdBudgetSurvey #Statistics

📰👀 Check out our Weekly News 🧐📊: UK Households Income: Present Realities and Future Projections by Gabriel FAIVRE The current UK parliament, constituted of Rishi Sunak, is projected to reach the worst household income growth on record. According to the Resolution Foundation, the real household disposable income per head is expected to fall by 3.1% between December 2019 and January 2025. This could leave households 1900£ poorer at the end of this period. The impact of inflation, apace with a poor economic growth since 2020 (0.2% in September 2023), considerably affects the UK household’s income. A number of actions were taken, such as the tax-cutting measures, yet the effectiveness of these measures implemented by chancellor Jeremy Hunt is overshadowed by a relentless rise in taxes (T axes are expected to escalate by 4.5% of gross domestic product between 2019-2028). Thus, meaning that one household tax would be equivalent to an average of 4300£. Moreover, the Resolution Foundation reveals that the effects of these measures will not be equitable. While the richest fifth of households are expected to be better off by an average of 1,000£ in 2027-2028, driven by national insurance cuts, the lowest fifth will gain just over 200£. To conclude, analyses indicate a downturn in household incomes, mainly due to high inflation rates and the ongoing economic situation. Source: Financial Times, The Guardian, Statista *not financial advice