What You Should Do After Receiving a Raise

07/13/2016 R.C. Liley 2 Comments

Getting a raise is always a reason to celebrate, and seeing a larger paycheck as a direct result of your hard work is one of the best feelings. However, raises can lead to some unwise financial habits. It can be tempting to run out and buy that new big screen you’ve been eyeing, or funnel the money into a ticket for a family trip to Disneyworld, but take a moment to pause and think about how to use your new income in a way that will most benefit you and your family in the long run.

Reassess Your Budget

Any time you experience a change in income, whether for the worse or better, it’s important to look at your budget and adjust where necessary. When looking at your new income, it’s important to assess just how much the government will be taking out of that larger paycheck. Check out your credit history and take note of the places that you seem to spend the most, whether that be travel, entertainment, or dining. After looking at your budget, take a look at accounts that could use a little bolstering, then funnel your raise income difference into these areas. Another option is to invest your extra income in the stock market, this can be a good way to grow your asset pool and learn the financial system better. Through doing research into how companies are performing, as well as the general consensus on the amazon stock forecast (or other companies you’re interested in) you can predict trends and better invest your money where it will grow. The good thing about investing your money is you won’t be tempted to be wasteful with it, in the same way you might be if it was left sitting in your checking account.

Retirement Accounts

No matter where you are in your career, it’s important to have a retirement plan, whether you are in your mid-twenties or late forties. Thinking about the future is always essential when it comes to finances, and siphoning more money into your retirement plan will leave you with a larger retirement income and may mean you get to sign out of the professional world at a younger age than you ever imagined possible. Whether you’re putting more into your 401(k) at work or making deposits into an IRA, your future self will thank you for the forethought.

Charitable Donations

Sometimes, raises can affect our taxes, effectively seeing us owing more to the government when tax season rolls around. Charitable donations are a good way to spread the wealth while also being strategically sound with your finances. Donations to qualified charities can make you eligible for lucrative tax deductions when you file taxes online, and you’ll feel great about paying it forward.

Long Term Purchases

If you do have some need to buy items on your list, make sure your raise money goes towards those things which will benefit your family and finances in the long run. It might be an energy efficient washer and dryer, an update to your backyard living space that improves the value of your home, or investing in safe stocks that can make you a bit of interest each year. Speak with a financial advisor about what might be best for your family, and make sure you keep those impulse buys to a minimum, especially in the weeks directly following your raise.

Pay Off Debt

Have you been stuck in debt for a while? It’s time to get yourself out from under this financial strain. With your new income, it’s likely possible for you to become debt-free sooner than you originally thought possible. Take a look at your accounts and put them in order of interest rates, highest to lowest. Work on paying off the accounts with the highest interest first to avoid paying more over the long run than necessary. As your debt lessens, your credit score will improve, and the mental strain that’s alleviated will be more than welcome. If you owe the government, it’s essential to put all of your efforts into paying any back taxes owed under your name. The longer it takes you to pay back the IRS, the more dire the consequences. If it’s a serious amount of money owed, always be sure to use companies like www.communitytax.com to figure out what is going to help your case quickly and efficiently.

If you’ve received a raise for a job well done, it’s important to use that money in a smart, financially sound way that will best benefit your family. Keep these tips in mind and enjoy your new income to the fullest.

Giveaway, Going Reviews

biPro Natural Strawberry Whey Protein Review + Giveaway

07/12/2016 R.C. Liley 6 Comments

“I don’t know what you’re making, but is sounds good.” My wife said this just minutes after I opened a container of biPro’s newest whey protein powder, Strawberry.

biPro asked me if I’d like to review their new strawberry flavor to which I happily accepted. Their natural chocolate, vanilla, and unflavored whey proteins already received my seal of approval, and I expected the new addition would so be added to the highly touted seal.

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As I’ve already alluded to, before even tasting the strawberry whey protein, it’s scent of fresh strawberries easily filled half of our house. The aroma was almost instantaneous, and had me eager to give it a try.

biPro usa strawberry whey protein, giveaway, natural, food, healthy

With only six ingredients, naturally sweetened with stevia (zero sugar), 90 calories and 20 g of protein per 25 gram serving, this is not the typical, low quality protein powder. Simply looking inside at the powder will reveal tiny pieces of real strawberries.

BiPro Strawberry Protein Powder

Probably where the wonderful smell of fresh strawberries comes from; actual strawberries! The only thing I’d like to see is that their whey protein source come from grass-fed cows, and organic would always be preferred. But that is a known factor, not something I would count against them. So, how did I like it?

Solubility – This powder mixes easily in any shaker cup with or without a blenderball. I mixed a scoop in water by just shaking my cup with zero clumping.

Taste – Unlike the wonderfully intense smell, the taste was not as powerful. To some, including me, this is a good thing. I used water to mix, mind you, so any milk will change the flavor a little. It’s not overly sweet that might give it an artificial, chemically flavor. For me, the flavor is subtle, not overpowering, which makes for the perfect foundation of blending with frozen strawberries for a healthy and delicious treat.

Texture – After shaking in water, the mixture turns a creamy pinkish brown. It was smooth, but the color might be off putting. But it’s a welcome color for me since biPro did not use any artificial or natural dyes just to change colors. If it really bothers you, just blend with berries in a blender and you’ll get a more pleasing red/pink color. Problem solved!

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I make green smoothies for our family every night before dinner and decided to treat my two lovely girls with the Strawberry BiPro Protein Powder. With lots of greens, spirulina, hemp seeds, frozen strawberries, and the Strawberry protein, I blended with water and a little unsweetened almond milk. The resulting nutrient-packed smoothies were a hit! Smooth, creamy, full of nutrients, and delicious enough to earn a hug and kiss, will have me making many more in the future.

Whether you’re just looking to keep in shape or an elite athlete, biPro is a great choice for a healthy protein supplement free from the artificial stuff found in most. It’s also NOT from China or other country where heavy metals are found. Instead, it’s proudly made right here in America!

And, if you are an elite athlete, you can rest assured you won’t unknowingly take in any banned substances that would get you kicked out of an event for doping on accident. Why? Because biPro is NSF Certified for Sport®, which means it’s third-party tested for banned substances.

Are you craving to try your own naturally flavored, protein packed, strawberry drink? Lucky for you, the good folks at biPro USA are offering one lucky reader the chance to win a one pound jar of their Strawberry Whey Protein Powder and a Strawberry Cookbook full of healthy ways to use your new powder.

1lbJar_Cookbook

Follow the directions below to enter.

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Good Luck!

If it just so happens that luck seems to never work in your favor (don’t worry, you’re not alone), you can bi-pass this by taking advantage of the awesome Neapolitan Bundle deal they have going on until the end of this month 7/31/16. Order jars of chocolate and French vanilla BiPro to receive a free jar of BiPro’s new strawberry flavor.

No matter what option you choose, you’ll be a winner either way.

Disclaimer: biPro provided this product free of charge in exchange for my honest review. All opinions are strictly my own.

#MySundayPhoto, Parenting, Silent Sunday

Smiling With Our Froggy Friend: #MySundayPhoto

07/10/2016 R.C. Liley 5 Comments

The summer heat is in full effect in Texas. Being a family that loves the outdoors, we do what we can to safely get outside. Lately, in an effort to keep our little girl smiling, that means exploring in our backyard in the afternoon when we have shade from the house.

There are several moist areas in our yard that make the perfect spot for amphibians to cool off. We’ve found frogs both big and small hanging out in the yard, and as long as they’re small enough, Avery doesn’t mind when I put one up to her face.

#MySundayPhoto, exploring, kids, my sunday photo

She actually loves chasing them across the yard and picking them up to bring them back to our garden area. I love seeing her interacting with nature, and hopefully, as she grows, so will her tolerance for catching cool bugs, reptiles, and animals.

A big thanks to Darren and his never dull #MySundayPhoto linkup. Check out his blog full of beautiful pics and join in on the #MySundayPhoto action!