Authentically Nita

Photo by Yan Krukov   Cash Advance apps offer people the ability to borrow small amounts of money in the form of cash advances. Some may have additional features, such as credit-building, saving and budgeting tools, and bank accounts. Most require a monthly membership fee and/or service fees that will be deducted from your account at the same time as your advance repayment. You will need to have a bank account with direct deposit from your employer in order to use these apps. Here is a list of nine, no hassle, Cash Advance apps you can use to get from pay check to pay check. Before I list them, I want to advise against using these apps unless it is an emergency. These should only be used every once in a while. If you are having problems getting from paycheck to paycheck, there is likely a bigger issue at hand. I recommend going over your income and expenses and watching your spending, or getting a second job. Click here for the budgeting app that I use and how it

Top 5 things to remember to speed tax return processing and avoid delays! 1. For an accurate return, collect all documents before preparing your tax return. In addition to collecting W-2s, Form 1099s and other income-related statements, it is important people have their advance Child Tax Credit and Economic Impact Payment information on hand when filing. 2. File an accurate return and use e-file and direct deposit to avoid delays. Taxpayers should electronically file and choose direct deposit. 3. Use online resources before calling the IRS. Phone demand on IRS assistance lines remains at record highs. To avoid lengthy delays, the IRS urges people to use IRS.gov to get answers to tax questions, check a refund status or pay taxes. 4. In order to validate and successfully submit an electronically filed tax return to the IRS, taxpayers need their Adjusted Gross Income, or AGI, from their most recent tax return. For those waiting on their 2020 tax return to be processed, enter $0 for l

If you're not already budgeting, you should start now. Budgeting can be a great way to keep track of your family's expenditures and evaluate where you spend the most money.  What is a budget?  A budget is an estimate of how much money you’ll make and spend over a certain period of time, (usually a month). A budget will tell you if you can spend less money on some things and more money on other things. It will help you manage your funds to ensure there is enough money for paying bills and living expenses. It can also help you get out of debt, and create a plan for  saving.  Follow these six simple steps to create a budget:  1.  Gather three months of your pay stubs and get your average monthly earnings. 2.  Get out your bills for fixed expenses such as rent, phone bill, car payments and other loans that come monthly. 3.  Take out three months of your credit card bills. Add them up and get the average. 4. Create a list of your monthly living expenses such as groceries, clothing,

I want encourage everyone to use this portal and keep your contact information updated.  IRS.gov Online Account It can be used for a number of the things including the following: Viewing your balance Viewing and creating payment plans Accessing tax records Managing communication preferences Viewing notices and letters For 2022, one of the most significant uses of this portal will be for individuals to securely access their child tax credit payment amounts and/or to access their economic impact payment amounts.   The IRS will mail out forms 6419 and 6475 with this information but if you do not get the form in the mail this is another way to access the information. 

Three key items from the IRS that you should consider when filing your taxes in 2022.  1. Changes to the charitable contribution deduction Taxpayers who don't itemize deductions may still qualify to take a deduction for charitable contributions made in 2021 to qualifying organizations. Married taxpayers filing jointly can deduct up to $600, and all other filers can deduct up to $300.  2. Advance child tax credit payments If you received the advance child tax credit payments in 2021, you will need to compare the amount of payments you received in 2021 with the amount of the child tax credit that you can properly claim. If you received less than the amount for which you are eligible you can claim a credit for the remaining amount. If you did not get the monthly advance payments in 2021 you can get a lump-sum payment by claiming the child tax credit when filing your  return. This includes families who don't normally need to file a return. Note : In January 2022, the IRS will send

Everyone deserves a chance to build credit! Whether you’re establishing credit for the first time, or building towards the score you want you can do that with a Capital One Platinum Card. This is the exact card I got when I began working on my credit after my divorce.  See if you're pre-approved in less than 60 seconds with no impact to your credit score by using my referral link: Capital One Platinum card