Tag Archives: ideas

Car Loans VS Dealership Financing: Which Is Better For You?

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Car Loans VS Dealership Financing: Which Is Better For You?

You usually have two roads to travel down when you want to buy a car:

  • Buy it outright with your own money
  • Seek some sort of financing option

Most people can’t use 100% of their money to buy a car so they go down the financing route, though this also throws a fork in the road:

  • Buy your car using an auto loan
  • Buy your car with dealership financing

Both are very viable options, but which one is better from a personal finance standpoint? Let’s take a closer look at them and see how they compare:

A car loan is one of the most straightforward auto financing options available. You approach a lender, apply for a loan, and receive enough money to cover the full cost of your purchase. Deposits/down payments are required – and this is usually a secured loan, meaning the car itself is collateral. In essence, if you fail to repay the loan, the lender can repossess your vehicle.

A very simple idea that comes with some massive benefits:

  • You own 100% of the car straight away
  • Car loans tend to come with lower interest rates, making them less costly
  • You gain the flexibility to buy your car from any dealership or brand

There are only a couple of downsides to a car loan, particularly when compared with regular dealership financing. It normally requires more effort to find a suitable lender and apply for your loan – and lenders are strict when it comes to accepting applications. Still, if you’ve got a great credit history, then there’s no need to worry about approval.

With dealership financing, you normally approach a car dealer and buy a vehicle from them, using their financing product. You pay a deposit, and then the dealer charges monthly payments based on the vehicle’s value and how much you already paid. The interesting thing here is that you’re normally locked into a 1-4 year deal. When your term ends, you either pay a balloon payment to own the car or take out a new deal on a new vehicle.

Dealership financing is popular for a couple of key reasons:

  • It’s fast and easy to set up
  • You normally get better deals than buying a car outright with a loan
  • It’s easily accessible
  • You can cycle through brand-new cars every few years

However, the main downside is that you do not own your car. The dealer will retain a majority share of your vehicle unless you pay the balloon payment at the end. This means you lack any flexibility when it comes to modifying your vehicle – and you’re also often forced to go to specific garages for servicing.

Speaking from a strictly financial standpoint, car loans are the better choice. You have lower interest rates, gain ownership of the vehicle right away, and have a longer term to split your repayments, making them more manageable. Truthfully, dealership financing only makes sense if you like cars and want to buy a new one every few years.

If you’re on the market for a new car, explore your financial options carefully and don’t rush into a decision you’re not fully comfortable with!

Featured Image By: Unsplash

Homemade Holiday Gifts

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Homemade Holiday Gifts

Howdy everyone and welcome to the last gift guide for the holiday season! Throughout the month we have been discussing gifting options for everyone on your list and today we are going to explore the world of homemade gifts. We are down to the wire for holiday shopping but fear not! These homemade prezzies will not be time consuming to create while still being incredibly thoughtful. Let’s get to it:

I gave my niece a photo album of all of our pictures together for her birthday this year and she absolutely loved it. If you have a cache of photos with your bestie, mom, or anyone on your list – use them! A homemade photo album is as easy as printing them out at the drugstore, purchasing an album, and filling the pages. You can keep the album simple with just photos or jazz it up with scrapbooking supplies or little notes about when the picture was taken. However you do it, a photo album is a gift that will always be treasured.

Local screen printing shops have a very speedy turnaround meaning that custom clothing, office supplies, or sports gear is just a visit away. Bonus points because you’re supporting small businesses! How about a custom mug with the logo of your giftee’s business? A silly slogan tee for your brother? A jersey with your favorite sports enthusiast’s last name on the back? All of this is possible so if this idea speaks to you, head to the printing shop ASAP to ensure your gift is ready on time!

If there is a nature lover on your list, you could make them their own terrarium or fairy garden. Small plants and succulents and potting soil will be available at a store like Lowe’s and the rest can more than likely all be purchased from a craft store. You can go classic with a terrarium filled with pretty pebbles or pond stones or go creative with a fairy garden filled with tiny details and hidden surprises. This gift combines the great outdoors with unique home decor for a one of a kind gift.

Mason jars tied with pretty ribbon and filled with the ingredients to make cookies, soup, or bread is a gift that can be made in an afternoon after a trip to the grocery store. Tasty, thoughtful, practical, and so super easy – this is a perfect last minute homemade gift. If you want to add more to this prezzie, you could include a gift card to a local bakery so your giftee can enjoy a freshly made baguette with their soup. Or perhaps you can give a cookie sheet or bread pan along with the ingredients so your giftee can continue creating bakery magic.

If you are gifted in the art of graphic design, then gift it! Maybe you will make business cards for your cousin? Draw up that tattoo that your partner really wants? If you have giftees in a band you could design posters for their next show! If you don’t have the time to design for everyone on your list, that’s a-okay! You can schedule a lunch to sit down and discuss what they would like and the visions they have. Amazing art never goes out of style and your giftees will have something that no one else in the world will have. That’s way cool!

Homemade gifts don’t need to be a month long project. These ideas are as easy as a trip to the store!

Are you skilled in any mediums of art? What is the best homemade gift you have ever received? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Tech Gift Ideas

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Tech Gift Ideas

Hi hi! Another gift guide? Coming right up! Everyone uses technology every single day of their lives, making tech gifts an extremely viable option for holiday shopping. This is an easy category to overlook as we often think of technology as being expensive. That isn’t always the case so let’s explore a few gifting options that will be gentle on the wallet while still delighting your giftee:

Literally every app has some type of Plus or Premium membership to purchase. If your giftee is using an app every day and maintaining a strong streak, this could be a great way to go. I personally know that this makes an awesome gift because Johnny got me a membership to Duolingo Plus for a year a few Christmases ago and I was ecstatic! Not only do these subscriptions get rid of annoying ads but it unlocks content you can’t use without it. It will make their app experience even better!

Phone cases, charms, screen protectors, earbuds, chargers, tripods, and ring lights are all handy gifts that can be used immediately. Your content creator friend (Like me!) will be thrilled with some shiny new equipment as much as your friend who is constantly losing their phone charger will love a backup. This sentiment is especially true for yours truly as our bunnies once pulled a Houdini and chewed through our phone charger! New earbuds will be ideal for your gym bunny bestie. Simple, practical, done and done.

At this day and age, who doesn’t have at least one streaming service? We have several so I say the more the merrier! A month subscription to a new streaming service or one your giftee already has can either save them some moolah or introduce them to a brand new favorite show. If there is a show on a service that they would love to watch without the commitment of signing up, this is your sign. I definitely feel that way about a subscription to Apple TV!

We’re not talking the kind from the library – we’re talking EReaders and audio books! If you have a literature enthusiast on your list who prefers to read their Kindle or listen to a book on the way to work, why not throw some credits their way? Reading more is such a popular New Year’s Resolution so you can help them achieve their goals or just indulge in their favorite hobby. No matter how you read, there is nothing better than a good book on a cold winter day. Add a big mug and some teabags or K-pods to create a perfect afternoon.

Got a gamer to gift for? How about some gift cards for the Nintendo Switch or PlayStation if you aren’t sure of a new game they would love? Don’t forget to explore accessory options like new controllers, a headset, or travel cases. You could also go the experience gift route like a night at an arcade bar or a trip to a VR cafe. Game on!

These tech gifts won’t break the bank but they will for sure make your giftee break out in a smile!

What is on your Christmas list? Do you have anyone that is difficult to gift for? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Stocking Stuffer Gift Ideas

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Stocking Stuffer Gift Ideas

Hello! I may be a Halloween girl through and through but there is something about Christmas that just hits different. My suspicion? Because I love to shop even when it’s not for myself lol. I pride myself on being an excellent gift giver and revel in the process of finding that perfect something for everyone on my list. The hard part is waiting for months on end to give it to them! As you wrap up your own holiday shopping, let’s take a look at some small prezzies to put in your stockings and hang above the mantel with care:

If you have a family of brick enthusiasts, why not add a small Lego kit to the stocking? Lego has a ton of tiny holiday themed sets to choose from including Santa, snowmen, Mini Fig Advent calendars and more. Once your gifts are unwrapped, you can assemble them together and make your own holiday scene. For extra creative fun, you could give a bag of assorted Lego bricks and have everyone do a brainstorm build with the pieces they have. You can create categories like best ornament or best decorated snowman and give prizes or just bragging rights!

Candy is such a classic stocking stuffer but let’s kick it old school. 😀 Current candy? Been there done that. Retro candy? Always fun to taste test! We’re talking candy buttons, Zott’s, candy necklaces, Pop Rocks, and all of that sweet sugary goodness. This blast from the past approach will delight kiddos and adults alike and gives a twist on the same old. Bonus points if you have a local candy shop in your neck of the woods to support.

While a care package for your adult children might not necessarily fit in a stocking, the sentiment remains. I have always loved the idea of the adult Easter baskets filled with cleaning supplies and that can easily translate to Christmas. A few rolls of toilet paper, paper towel, bathroom and kitchen cleaner, and Magic Erasers are all great options. Although this is not the most exciting gift, it sure is practical and one that I would love to receive. Toilet paper is low on my list of things I like to shop for for myself lolol.

Everyone needs a bevvie to sip on during gift exchanges. Cue the stocking stuffer! You can provide specialty sodas or juice for the kiddos and airplane bottles of booze, mini wine bottles, or mocktail cans for the adults. Add in a bag of popcorn, trail mix, or mixed nuts to nosh on and you have a perfect snack to tide everyone over until dinnertime.

Countless stores have a section specifically for travel size beauty and basic care items so hit it up! Bath & Body Works is an excellent place to start with as they offer both men and women’s travel size items and are always on promotion. A hand sanitizer, body wash, and lotion in a compact size is just right for filling those stockings and keeping everyone smelling and feeling fresh to death. 😀

Stocking stuffers are the opportunity to have some fun with add on gifts. Hope the ideas above can help! ❤

Do you hang stockings at home? What are some of your stocking stuffer ideas? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Can You Truly Be Prepared For A Financial Emergency?

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Can You Truly Be Prepared For A Financial Emergency?

Financial emergencies can strike any of us at any time. Whether it’s due to a personal injury, an incident on the road, or a sudden major household cost we can find ourselves scrambling to get our finances in order and to avoid falling into debt any more than we need to. Today we’re going to look at some of the preparations you can put in place to make sure that you’re better able to handle those emergency costs when they do arise:

The best way to prepare for an emergency is to make sure that you have some safeguards in place well in advance. First and foremost, put together a savings goal to establish an emergency fund. These should typically cover three to six months of essential expenses, including housing costs, groceries, transport, and other non-negotiables. That way, you can make sure that you have enough of a cushion to get through crises that are as major as even a job loss.

Insurance is often overlooked until a crisis hits, but having the right policies in place can prevent emergencies from becoming financial disasters. Make sure that you’re investing in the essential coverage, such as home or renters’ insurance, health insurance, and car insurance (that covers as much as you need), and consider additional coverage, such as income protection to ensure you’re protected even if you’re put out of work for a while. Keep an eye on your policies, checking them yearly to make sure they cover the most probable issues you might face.

Sometimes, a financial emergency may stem from an event that wasn’t your fault or responsibility. Whether it’s an injury at work or a car accident, having the number of a reputable lawyer can make a big difference. With a personal injury lawyer, for instance, you can make sure that the person responsible for your injury is also made responsible for your medical bills, as well as any money that you might lose as a result of being put out of work. A good lawyer can help you understand your rights, avoid costly mistakes, and navigate insurance claims more effectively, too.

While you typically want to avoid having to borrow in order to deal with sudden expenses, sometimes you might have no other readily available option. Keeping your credit score high can offer a significant advantage, allowing you to utilize loans or credit cards with good interest rates, instead of having to rely on more unreliable sources of funding, like payday loans or secured loans that could lead to much worse financial outcomes and higher interest payments.

Emergency situations are an unfortunate part of life and the best thing you can do is be prepared to face them!

Featured Image By: Pexels

Food & Drink Holiday Gifts

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Food & Drink Holiday Gifts

Howdy! The countdown to the holidays is SO on – are you ready for it? I know I am! Family, friends, and sweet sweet time off. What could be better? The answer is literally nothing! If you still have holiday shopping to get done, you’re in the right place. Today’s gift guide will feature ideas for a very popular gifting option: Food and drink. Everyone needs to nosh and sip on something delicious so you know your gift is going to be used and enjoyed. Let’s discuss:

Do you have a coffee or soda fiend in your life? You kind of do, because I am both lol. Countertop appliances like a single serve Keurig or a Soda Stream is sure to delight your giftee who always errs on the side of caffeinated. Johnny actually got me a single serve Keurig for Valentine’s Day a few years back and it was the best gift ever! These appliances don’t take up a ton of counter space and feel like such a treat with each use. If your giftee already has one, that’s okay. You can give them a stockpile of K-cups or soda mixes to keep the go go juice flowing.

DoorDash, restaurants, fast food, or grocery store gift cards are a no brainer if you are looking to make your holiday shopping quick and easy. Johnny and I usually get a DoorDash gift card from his parents and it is SO appreciated. To be able to hit up your favorite eatery with gift card in hand is awesome because it’s literally guilt free. How many times have you bypassed a craving because there’s food at home? Throw that preconceived notion of gift cards being thoughtless out the window. They are as thoughtful as it gets because it gives you the opportunity to treat yourself whenever you want!

Local bakeries often offer cookie decorating kits which is a total win/win. You are supporting local as well as giving a fun gift for a family to enjoy together. These kits usually come with the cookies pre-made and the supplies like frosting and sprinkles to decorate with. It’s a perfect activity for a snowy afternoon and kiddos will revel in creating their own sugary masterpieces. My little nieces LOVE cookie and cupcake decorating and would have a blast with a cookie kit. 😀

Seriously, who doesn’t love a gift basket? I am an avid fan of both receiving and gifting them! Of course you can buy pre-made baskets in store but you could also create them yourself. Hit up your local craft store and get your baskets, then head to the grocery store and get to work! You could fill the basket with something sweet like chocolate and candy or go the savory route with popcorn, peanuts, or pretzels. How about a basket that creates a meal like soup or pasta? Perhaps you could include a muffin tin, mixes, and jams to top them with. No matter what you choose, it’s going to be yummy!

If you have a passion for cooking, share it! One year for Valentine’s Day, Johnny hired our friend who works as a chef to make dinner for us. It was absolutely amazing and one of my favorite gifts ever! You can create menus specific to your giftee’s tastes, purchase the ingredients, and serve a fantastic meal. While it’s nice to go out to eat, there is nothing better than a home cooked meal. This is a bonus gift because it also gives your giftee the night off from cooking which is such a blessing lol.

I hope your giftee’s all brought their appetite with these ideas – can you say YUM?!

Do you like to cook? What is your favorite thing to make? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

5 Modern Travel Hacks You Shouldn’t Skip

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5 Modern Travel Hacks You Shouldn’t Skip

There are entire blogs filled with modern travel hacks that you can use to ease the stress of a vacation. However, there are some things that everyone should take note of that can really help things go more smoothly. From using packing cubes to first aid kits, here are some suggestions:

Your phone can be your best friend when traveling. You have all the apps and web access you need for traveling easier with a smartphone. With a phone you can check transport times, flight info, and accommodation availability in seconds, and you have access to advanced features like GPS for getting around more easily. You may not have access to your usual network, but you can save on roaming costs while travelling with an eSIM designed for easy access anywhere.

The laws of physics seem to go out of the window when trying to cram in as much clothing as possible into a suitcase, you know, that is too small! So what can you do? Fortunately, there are these handy inventions called packing cubes. Packing cubes are like mini travel bags you can place in your luggage. What makes them so useful is that they make it easier to use the limited space inside your suitcase much more efficiently as you fill the cubes and arrange them perfectly.

Around 1 billion people per year travel to other countries. From the most beautiful places to visit in the fall to summer vacations, everyone has their idea of the best getaway. Something as simple as your clothing can ruin the best day, though, so always stay prepared:

  • Check if there are local storage lockers at stations or near tourist locations.
  • Always pack spare clothes and underwear just in case of an unfortunate accident.
  • Pack the opposite for the weather (such as a jacket if it’s sunny), as it can change.

You never know what can happen when traveling, and your adventurous side can get the better of you. Perhaps you feel like a Segway ride in a forest at 65 years old. It’s not the best idea, but heck, you’re on vacation. But alas, you realize you really shouldn’t have done that as you tumble off your ride like a drunken toddler. Maybe you are pretty far away from a local clinic, but you remembered to pack a little first aid kit. No more bleeding and an expensive bill avoided. Yay!

Traveling can be stressful, and the whole transportation industry doesn’t help. Delays, cancellations, and hackers are pretty common these days. Knowing your travel times is essential for organizing your day and making sure you never miss a departure. Things can change, and when they do, your plans need to as well. Make sure you stay up to date with travel info by using official websites or travel apps that can alert you ASAP when something changes.

Smart preparations for your vacation will ensure a stress free time in your dream destination paradise!

Featured Image By: Freepik

Fashion Holiday Gifts

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Fashion Holiday Gifts

Howdy! I am pleased to report that my holiday shopping is donezo! I made excellent use of Black Friday sales for my remaining giftees and I am so excited to pop on one of my comfort shows and wrap everything up. For those who still have some holiday shopping to get done, fear not! We’ll be having gift guides leading up to the big days to give you some inspiration. Let’s venture into the world of fashion. Whether you have a giftee who is a full fledged fashionista or keeps their style simple, these gifts will always go over well:

New PJs are an excellent option for wearing to bed or just lounging about the house. In the cold winter months, people want to feel cozy and curling up in some soft pajamas is the best way to do it! Regardless of if a set of PJs are your giftee’s thing, they are certainly going to use it and can break up the pieces as they choose. 5 Below has an amazing selection of pajamas for fifteen dollars and you can often find sets at TJMaxx for around twenty. Jammies are something people rarely buy for themselves as sweatpants and old T’s make an equally viable option so this gift would feel like a real treat. I know I would love it because thanks to 5 Below I have become pajama obsessed!

Let me say something controversial but so brave: Winter is cold lol. How many times have you not bundled up and instantly regretted it after two minutes? Too many to count on my end! Lovely hats, scarves, and gloves can not only provide an added boost of warmth but gives the opportunity to shake up outfits too. If you’re unsure of which colors to choose, opt for something neutral like cream, tan, or black. That way the accessory can be paired with anything and will still work beautifully.

Who doesn’t love a touch of bling? For the fellas you could go for cuff links, tie clips, watches, or chains. Delicate, meaningful jewelry always makes a great gift for the ladies. I am especially partial to best friends bracelets as well as mother related jewelry for my mom, sister, and mother-in-law. When you put some genuine thought into a jewelry gift, it will turn into not just an accessory but a treasure. Find pieces that speak to your giftee’s style and your own relationship and I just know they will love it!

Did I mention that winter is cold?! Plush throw blankets, fuzzy socks, slippers, mug and drink koozies, or even weighted stuffed animals are all fabulous options to curl up on the couch with and watch your favorite holiday flick. For items like blankets or koozies you could go the customized route with a local vendor. There is also never a shortage of fuzzy socks or slippers in store to choose from. Cozy gifts are fun because they often fall under someone’s “nice to have” but not necessary category when they are making purchases. Even if your giftee is a blanket fiend like me, they will simply say the more the merrier. 😀

Do you know someone whose wardrobe constantly runneth over? Anyone with jewelry and earrings scattered around like breadcrumbs (Me!)? Or perhaps a giftee who could use some extra help organizing? Come in with the assist! Jewelry boxes, shelves or hanging organizers, and plastic bins to keep seasonal clothes safe are practical and can transform a cluttered room. You can double gift by lending a hand during the installation and organizing the space so their clothes and accessories get the treatment they deserve.

The options above are a practical look at fashion gifts. You know your giftee best and when you find that perfect item that speaks to their style, you will definitely know!

What is your favorite type of present to gift? What is a fashion gift you would love to receive? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Crafty Holiday Gifts

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Crafty Holiday Gifts

Hi!! Crafty gifts for the holidays are a great idea for kiddos and adults alike. It is perfect for the crafting enthusiast, someone who is interested in starting the hobby, or simply offering a pleasant way to kill time. There are also countless places that offer wine and paint classes, pottery lessons, or flower arranging tutorials that can turn a crafty gift into an experience one too. Let’s explore some different options to get everyone on your list fully utilizing their creative side:

I am extremely partial to gifting crafty presents to my nieces and nephew because they absolutely love it. Their favorites are the paint your own pottery figurines and I have to concur. They are so proud of their creations and I am so happy when I am lucky enough to receive one of their masterpieces. From jewelry and slime making to mini pottery wheels and coloring books, there is surely a crafting kit to fit your little giftee’s interests. It will also be a bonus gift to the parents while their kids are focused on creating museum worthy art!

If there is a style of art that your giftee would like to learn, sign them up for a class! Community centers, libraries, and even community colleges all offer crafting classes to provide both the gift of knowledge and creativity. You could take the class too for some fabulous quality time! Studios that offer candle making, glass blowing, or crafting scents could also be a fun way to spend a day together. Top it off with a dinner or happy hour out – craft cocktails, anyone? *See what I did there!*

I don’t know about all of you, but I am amazed by diamond art! If you have a giftee with a steady hand and laser focus (Both of which I have not!), a diamond art kit could be a great way to go. These crafts create an image out of tiny rhinestones and the end results are simply brag worthy. Such a cool hobby and your giftee will have a work of art made by them proudly displayed in their home.

There is nothing better than homemade skin and bath and body care. How about setting up a crafting workshop to make them? Invite your friends over, have the supplies like essential oils, coconut oil, and beeswax ready, and make your new favorite products. Once everyone has their creations ready, you could have a pseudo spa experience with candles, mint tea, and calming music. Take a vote on whose product you like the best for a prize and have a blast with your besties!

Craft gifts are engaging, unique, and just pure fun. Even if you’re a far cry from an artist, it’s always nice to try something new!

What is your favorite craft? What is on your holiday gift wish list? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Starting A Business Over 50 & Staying Healthy As An Entrepreneur

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Starting A Business Over 50 & Staying Healthy As An Entrepreneur

When most people think of entrepreneurs, they usually envision people in their 20s or 30s. Maybe people in their 40s, too. But, that doesn’t mean starting a business over 50 isn’t a possibility. It could just take a bit of an adjustment. It doesn’t have to be as complicated as you’d think, though. Focusing on a few startup tips should be more than enough to help with this moving forward. Three of these should have a significant impact on your startup’s success, and there’s no reason why they shouldn’t help you moving forward:

You’ll likely start your business in an industry you’ve spent a significant amount of time in, as it’s where all of your skills will be related to. Your skills are far from the only area your business can benefit from. It can also benefit from your experience and network. You can use these to find opportunities to expand, new clients, and industry events that’ll help your company. Take advantage of this as much as possible from the start to fuel your initial success and kick start everything quickly.

Starting a business is always a risk, no matter what age you are when you start off. But, that doesn’t mean you should just settle for it being overwhelmingly risky. Implementing risk management strategies should help you minimize this as much as possible. You won’t be able to completely negate all of the risks, but you could avoid some as time goes on. At least, they shouldn’t be as major as you’d think. Proper financial planning is one of the most significant areas to focus on.

When you’re starting your business, you’ll be quite busy, but you shouldn’t push yourself too hard and neglect your health. Make sure you look after yourself so you can stay healthy while running your business. This could help you in more ways than one. If you notice any hearing loss during business meetings, for example, hearing aids could help make sure communication isn’t an issue. The same could be said for more than a few other health and lifestyle aids.

Starting a business over 50 feels like an uphill battle at the best of times. But, this is usually the case no matter what age you are. It’s just a matter of making sure you’re taking the right approach for you and your business!

Featured Image By: Caden Norcott from Unsplash