How Much Money Do You Save With Cloth Diapers

Using cloth diapers can save you a substantial amount of money compared to disposable diapers, especially if you use them for more than one child. Here’s a breakdown of potential savings and costs associated with cloth diapers:

1. Cost of Disposable Diapers

  • Average Cost: Disposable diapers cost around $0.20 to $0.30 per diaper, depending on the brand. With the average baby using about 2,500 to 3,000 diapers in their first year, this can add up quickly.
  • Yearly Expense: If we assume an average cost of $0.25 per diaper and 8 changes per day, the yearly cost would be around $730. Over the typical diapering period of 2-3 years, this totals $1,800 to $2,200 for one child.

2. Cost of Cloth Diapers

  • Initial Investment: The upfront cost of cloth diapers varies based on the type (e.g., prefolds, all-in-ones, or pocket diapers) and brand. On average, a full set of cloth diapers costs between $200 and $500.
  • Accessories: Additional supplies, such as a diaper pail, wet bags, and reusable wipes, may add $50 to $100 to the initial cost.
  • Laundry Costs: Washing cloth diapers at home will add to your water, electricity, and detergent costs, averaging $5 to $20 per month. Over three years, laundry costs can total around $180 to $720.

3. Estimated Savings

  • Total Cloth Diapering Cost: With an upfront cost of $300 (average for diapers and accessories) plus $450 for three years of laundry, the total cost for cloth diapering over three years is approximately $750.
  • Comparing with Disposables: The average cost of disposable diapers over three years is around $2,000. By using cloth diapers, you could save $1,250 or more over three years for one child.
  • Savings with Multiple Children: If you use the same cloth diapers for a second child, you’ll save even more since you’ve already made the initial investment.

4. Additional Ways to Save

  • Buying Secondhand: Gently used cloth diapers are often available at a fraction of the original cost, which can further reduce your initial investment.
  • Resale Value: After your child is potty-trained, you can resell cloth diapers, potentially recouping some of the initial cost.
  • Reusable Wipes: Switching to cloth wipes instead of disposable ones can save additional money.

5. Environmental Savings

  • Less Waste: Cloth diapers reduce landfill waste, contributing to long-term environmental savings. Many families value this environmental benefit as an additional non-financial saving.

Conclusion

Switching to cloth diapers can save you around $1,250 to $2,000 per child, depending on the type of cloth diapers and laundry costs. Using cloth diapers for multiple children and reselling them afterward can increase these savings, making cloth diapering a financially savvy and eco-friendly choice.

Save Money With A Light Bulb Security Camera

Protect Your Home For Less With Light Bulb Security Cameras (Indoor & Outdoor)

When it comes to home security, many people assume they need to spend a fortune on complex systems. However, thanks to modern technology, you can enhance your home’s security while saving money with a light bulb security camera. These innovative devices combine a light source with a hidden camera, offering an affordable and discreet way to monitor your home.

How a Light Bulb Security Camera Helps You Save Money

1. Reduce Home Insurance Costs

Many insurance companies offer discounts on home insurance for homeowners who install security cameras. Having a light bulb security camera as part of your security setup can demonstrate to insurers that you are taking steps to protect your home, which can lead to lower premiums. Be sure to check with your insurance provider about available discounts for security systems.

2. Prevent Theft and Property Damage

A visible security system can be a strong deterrent to criminals. Thieves are less likely to target a home that has security cameras, reducing the risk of theft, vandalism, and property damage. This means you won’t have to deal with costly repairs or replacements of stolen items. Additionally, many light bulb security cameras come with motion detection alerts, which notify homeowners instantly of suspicious activity, allowing for quicker responses.

3. Save on Professional Security Services

Traditional home security systems often require expensive installation fees, monitoring subscriptions, and maintenance costs. A light bulb security camera offers a one-time purchase cost with no need for professional installation. Most models can be easily set up using a mobile app, eliminating the need for monthly monitoring fees. Some models even include free cloud storage or SD card recording options, eliminating the need for paid storage services.

4. Lower Energy Costs

Many light bulb security cameras come with energy-efficient LED lights, meaning they consume less electricity than traditional security lights. Some models also feature motion detection, so the light and camera activate only when necessary, helping you save on your electricity bill. This can be particularly useful for outdoor security, as you won’t have to keep bright floodlights on all night.

5. Multi-Functionality Saves You Money

Since light bulb security cameras serve a dual purpose (lighting and security), you save money by purchasing a single device instead of separate security cameras and outdoor lights. This makes them ideal for driveways, entryways, patios, garages, and indoor spaces.

Additional Benefits of a Light Bulb Security Camera

  • Remote Monitoring: Keep an eye on your home from anywhere using your smartphone.
  • Two-Way Audio: Communicate with visitors, delivery personnel, or potential intruders directly through the camera.
  • Night Vision: Many models feature infrared night vision to capture clear footage even in low light.
  • Cloud & Local Storage: Save recordings either in the cloud or on a microSD card for later viewing.
  • Easy Setup: No complicated wiring—just screw it into a standard light socket and connect to Wi-Fi.
  • Multiple Viewing Angles: Some models include pan-tilt-zoom (PTZ) features, allowing you to adjust the camera remotely.

Best Light Bulb Security Camera Options on Amazon

If you’re looking for an affordable security solution, consider some top-rated light bulb security cameras available on Amazon. Websites like BestLightBulbCamera.com review and recommend some of the most reliable models. Be sure to compare features like resolution, storage options, and connectivity before making a purchase.

light bulb security cameras

Additional Home Security Tips for Extra Savings

While a light bulb security camera is an excellent step toward affordable home security, here are a few more ways to protect your home while saving money:

  • Use Smart Locks: Upgrade to smart locks to eliminate the need for expensive locksmith services.
  • Install Motion Sensor Lights: Motion-activated lighting can deter intruders and save on electricity.
  • Secure Windows and Doors: Reinforce entry points with simple and affordable solutions like security bars and smart sensors.
  • Join a Neighborhood Watch: Collaborate with neighbors to enhance security without extra cost.
  • Display Security Stickers: Even if you don’t have a full security system, placing security stickers on doors and windows can deter criminals.

Affordable Security & Peace of Mind

Investing in a light bulb security camera is an easy and cost-effective way to enhance home security while saving money. Whether it’s reducing insurance premiums, preventing theft, or lowering energy costs, this simple device offers peace of mind without breaking the bank. By combining smart security solutions, simple deterrents, and community awareness, you can keep your home safe on a budget.

Looking for more ways to save money? Visit SaveMoneyWith.net for more budget-friendly tips and strategies!

 

12 Ways to Save Money on Car Insurance

Car insurance is an essential expense for drivers, but that doesn’t mean you have to overpay. By taking the time to understand your options and making strategic choices, you can lower your premiums while maintaining the coverage you need.

Here Are 12 Practical Ways To Save Money On Car Insurance:

1. Shop Around for the Best Rates

Insurance rates vary significantly between providers, so it pays to compare.

  • Get multiple quotes: Use comparison sites like The Zebra or Policygenius.
  • Review annually: Check rates regularly to ensure you’re still getting the best deal.
  • Negotiate: If you find a better rate elsewhere, ask your current insurer to match it.

2. Bundle Your Policies

Combining multiple insurance policies with the same provider can lead to discounts.

  • Combine auto and home insurance: Many companies offer significant savings for bundling.
  • Add other coverages: Include renters or life insurance for additional discounts.

3. Raise Your Deductible

A higher deductible can lower your monthly premiums.

  • Choose an affordable amount: Opt for a deductible you can comfortably pay in case of an accident.
  • Compare savings: Check how much raising your deductible reduces your premiums.

4. Maintain a Clean Driving Record

Safe driving is one of the most effective ways to lower your insurance costs.

  • Avoid accidents: Accidents and violations can increase your rates for years.
  • Take a defensive driving course: Many insurers offer discounts for completing an approved course.

5. Consider Telematics Programs

Telematics-based insurance tracks your driving habits and rewards safe driving.

  • Usage-based insurance: Programs like Progressive Snapshot or State Farm Drive Safe & Save monitor speed, mileage, and braking.
  • Earn discounts: Safe driving can result in reduced premiums over time.

6. Pay Your Premium Annually

Paying your premium in full can save you money.

  • Avoid installment fees: Monthly payments often come with extra charges.
  • Plan ahead: Budget for an annual lump sum payment to take advantage of discounts.

7. Drop Coverage You Don’t Need

Evaluate your policy to ensure you’re not paying for unnecessary coverage.

  • Older vehicles: Drop comprehensive and collision coverage if your car’s value is low.
  • Rental car reimbursement: Skip this if you have access to an alternative vehicle.

8. Ask About Discounts

Many insurers offer discounts that you might qualify for.

  • Good student discount: Students with high grades may qualify for reduced rates.
  • Low mileage discount: If you don’t drive often, you might pay less.
  • Vehicle safety features: Cars with anti-theft devices, airbags, and advanced safety systems often receive discounts.

9. Improve Your Credit Score

In many states, insurers use credit scores to determine premiums.

  • Pay bills on time: Consistent payments boost your score.
  • Reduce debt: Lower your credit utilization ratio to improve your credit profile.

10. Drive a Low-Risk Vehicle

Your car’s make and model impact your insurance rates.

  • Choose a car with high safety ratings: Insurers favor vehicles with strong safety features.
  • Avoid luxury cars: High-end cars cost more to repair and insure.

11. Opt for Pay-Per-Mile Insurance

If you’re a low-mileage driver, pay-per-mile insurance could save you money.

  • Pay based on usage: Companies like Metromile charge a base rate plus a per-mile fee.
  • Ideal for infrequent drivers: If you drive less than 10,000 miles per year, this could be a great option.

12. Regularly Review Your Coverage

Life changes can impact your insurance needs and premiums.

  • Notify your insurer: Let your provider know about changes, such as moving to a safer area or getting married, which can lower your rates.
  • Reassess coverage: Adjust limits and deductibles to reflect your current financial situation.

Final Thoughts

Saving money on car insurance requires regular reviews of your policy, smart choices, and taking advantage of discounts and programs. By implementing these 12 tips to save money on car insurance, you can reduce your premiums without compromising the coverage you need.

Looking for more money-saving tips? Visit savemoneywith.net for helpful guides and resources to help you reach your financial goals.

How Much Does A Home Security System Save On Insurance?

When you’re considering a home security system, the first benefits that come to mind are usually improved safety, peace of mind, and protection of your valuables. But one important factor that often gets overlooked is how installing a security system can help reduce your home insurance premiums. While the exact amount of savings can vary based on factors such as your insurance provider, location, and the specific type of system, homeowners commonly report savings ranging from 5% to as high as 20%.

Why Do Insurers Offer Discounts?

  1. Lower Risk of Theft and Vandalism
    A home equipped with a security system is statistically less likely to experience a break-in. From an insurance company’s perspective, this lowers the likelihood of theft-related claims, so they’re often willing to pass some of those savings on to you. 
  2. Added Features
    Today’s systems go beyond alarms. Many security packages include 24/7 professional monitoring, smoke and CO₂ detectors, or water leak sensors. These extra measures help to mitigate multiple types of risk (like fire and water damage), increasing the incentive for insurance providers to offer discounts. 
  3. Proactive Protection
    Security technology can identify issues before they become major problems. Early detection of a break-in or a fire, for example, not only keeps your family safe but prevents damage from escalating—ultimately reducing the potential payout for the insurance company.

Factors That Influence Savings

  • Location
    If you live in an area with high crime rates, insurers tend to value a security system more, resulting in a higher discount. 
  • Type of System
    Basic alarm systems might get you modest discounts, whereas more advanced setups—such as monitored security cameras, environmental sensors, and smart home integration—often yield greater savings. 
  • Insurer Policies
    Every insurer has different rules. Some may require specific certifications or monitoring services to provide certain discounts. 
  • Bundling Opportunities
    If you have multiple policies with one provider (home, auto, life), ask about bundling discounts in addition to the security system discount.

Maximizing Your Discount

  1. Compare Quotes
    Get estimates from different insurers. Find out how each one values different security features. 
  2. Provide Documentation
    Keep records showing proof of installation and monitoring. Some insurers require this to verify you qualify for a discount. 
  3. Ask About Upgrades
    If you’re already planning to install or upgrade your system, find out which features insurers value most. You might be able to tailor your setup for bigger savings.

A home security system does more than offer peace of mind; it can lead to substantial long-term savings on your homeowners insurance. While the average discount may land somewhere between 5% and 15%, some homeowners enjoy savings up to 20% – particularly when adding robust, professionally monitored systems with additional protective features. If you’re interested in lowering your premiums and enhancing your overall home safety, getting a reputable home security system is a smart and potentially cost-effective move.

Below is a continuation of our discussion on home security systems – this time focusing on the different security options available and how they might impact your insurance savings. Whether you’re looking for a simple DIY solution or a fully-integrated, professionally monitored system, understanding your options will help you choose the right level of protection for your home and budget.

1. Wired vs. Wireless Systems

Wired Systems

  • How They Work: Wired systems are connected to your home’s electrical wiring and phone lines. Sensors (for doors, windows, and motion) feed data back to a central control panel. 
  • Pros:
    • Generally more reliable because they aren’t susceptible to wireless interference.
    • Harder for intruders to disable if cables are concealed properly. 
  • Cons:
    • Installation can be invasive—wiring must be installed behind walls or in crawl spaces.
    • Harder to relocate if you move homes.

Wireless Systems

  • How They Work: Wireless systems communicate via radio frequencies or Wi-Fi. Sensors are battery-powered and connect to a central hub without the need for extensive cabling. 
  • Pros:
    • Easier, faster installation (often DIY-friendly).
    • Simple to expand or move when needed. 
  • Cons:
    • Potential for signal interference or spotty Wi-Fi connectivity.
    • Requires regular battery checks and replacements.

Insurance Impact: Both wired and wireless systems can qualify for discounts, but insurers sometimes place higher value on systems with professional monitoring or advanced features (like cameras and environmental sensors).

SimpliSafe 8-Piece Wireless Home Security System

2. Self-Monitored vs. Professionally Monitored

Self-Monitored

  • How It Works: You’ll receive alerts on your phone whenever sensors detect activity, and it’s up to you to decide when to contact authorities. 
  • Pros:
    • Lower monthly costs (no monitoring fees).
    • Greater control over alerts and notifications. 
  • Cons:
    • If you miss an alert or your phone is off, there’s no backup protection.
    • Insurance discounts may be lower or unavailable with self-monitored setups.

Professionally Monitored

  • How It Works: A third-party monitoring center keeps watch around the clock. If a sensor is triggered, they’ll contact you and the authorities if needed. 
  • Pros:
    • Constant coverage—even if you’re asleep, away from home, or miss a notification.
    • Typically qualifies for higher insurance discounts. 
  • Cons:
    • Ongoing monthly or annual service fees.
    • Must rely on a third-party for response times.

Insurance Impact: Insurers usually provide more substantial discounts for professionally monitored systems because they reduce the risk of major incidents going unnoticed.

3. Security Cameras & Video Doorbells

Indoor/Outdoor Cameras

  • Features: Night vision, two-way audio, cloud storage, and motion-triggered alerts.
  • Benefits:
    • Visual evidence if a break-in or suspicious activity occurs.
    • Deterrent effect: visible cameras can discourage intruders.

Video Doorbells

  • Features: Live viewing, motion sensing, and two-way communication at your doorstep.
  • Benefits:
    • Screen visitors before opening your door.
    • Prevent package theft by monitoring deliveries in real-time.

Insurance Impact: While basic camera setups might provide a small discount (or none at all), many insurers see additional value in camera systems that are part of a professionally monitored package.

Ring Alarm 8-Piece Kit with Video Doorbell

4. Environmental Sensors

Smoke & CO Detectors

  • Why They Matter: Early detection of fire or carbon monoxide not only protects lives but can also reduce property damage.
  • Insurance Impact: Insurers appreciate these added layers of protection and may offer discounts, especially when connected to a monitored system.

Water Leak & Freeze Sensors

  • Why They Matter: Undetected water leaks or freezing pipes can lead to costly damage.
  • Insurance Impact: Some insurers offer incentives for devices that minimize claim risk—like preventing extensive water damage.

5. Smart Home Integration

Smart Hubs & Automation

  • How It Works: Systems that integrate with smart home platforms (e.g., Alexa, Google Home, Apple HomeKit) allow for automated routines—like turning lights on/off or locking doors remotely.
  • Pros:
    • Enhanced convenience and control from anywhere.
    • Can create the illusion of an occupied home (lights, TV) when you’re on vacation.
  • Cons:
    • May require additional smart devices and subscriptions.
    • Potential privacy concerns if not secured properly.

Insurance Impact: Not all insurers account for smart home integration directly in your discount, but any measures that reduce risk (e.g., automatically turning on lights or receiving real-time alerts) can help you catch issues early, potentially reducing claims.

6. DIY vs. Professional Installation

DIY Setup

  • Pros:
    • Lower initial costs.
    • You can customize your system at your own pace.
  • Cons:
    • Risk of incorrect sensor placement or insufficient coverage.
    • Minimal or no insurance discounts if the system isn’t recognized by certain insurers.

Professional Installation

  • Pros:
    • Experts ensure proper placement and setup.
    • Systems often come with service guarantees or warranties.
  • Cons:
    • Higher initial costs and possible installation fees.
    • Scheduling and coordinating with technicians.

Insurance Impact: Professional installation combined with professional monitoring often yields the highest discount potential.

Choosing the Best Option for You

  1. Evaluate Your Home’s Needs
    • A small apartment might only need basic door/window sensors and a video doorbell.
    • Larger homes with multiple entry points may benefit from professional monitoring, cameras, and environmental sensors.
  2. Balance Cost and Coverage
    • Price out the total cost of equipment, monthly fees, and potential insurance discounts.
    • Sometimes investing in a more comprehensive system can pay off in insurance savings down the road.
  3. Check Insurer Requirements
    • Some providers require certification (e.g., UL-certified equipment) or specific monitoring plans.
    • Make sure your chosen system meets those criteria to maximize your discount.

From simple DIY door and window sensors to fully integrated smart home systems with professional monitoring, the breadth of home security options is vast. While any form of security can potentially qualify for an insurance discount, systems with professional monitoring and additional protective features tend to offer the most significant savings—and, perhaps more importantly, the highest level of peace of mind.

Ready to save on insurance and boost your home’s protection? Talk to your insurance provider to find out which security measures qualify for discounts, compare system features, and choose the setup that fits your lifestyle and budget. Your wallet, your family, and your peace of mind will thank you!

Here are some of the most popular home security products and services:

Home Security Systems

SimpliSafe 8-Piece Wireless Home Security System

    • Easy DIY setup
    • Optional 24/7 professional monitoring
    • Known for user-friendly equipment and customer service

Ring Alarm 8-Piece Kit

    • Integrates seamlessly with Ring doorbells and cameras
    • Optional Assisted Monitoring or professional monitoring
    • Alexa-compatible

Arlo Essential Spotlight Camera

    • 1080p video, color night vision, and built-in spotlight
    • Wire-free, easy to install
    • Optional Arlo Smart subscription for additional features

Google Nest Cam (Indoor, Wired)

    • High-quality video with night vision
    • Integrates with Google Assistant and other Nest products
    • Intelligent alerts for motion, people, and familiar faces with Nest Aware subscription

Smart Home Security Add-Ons

Ring Video Doorbell (Wired or Battery-Powered)

    • Instant alerts, two-way talk, HD video recording
    • Integrates with other Ring and Alexa devices
    • Great for preventing package theft

Ecobee SmartSensor for Doors and Windows

    • Works with Ecobee thermostats for advanced home monitoring
    • Multi-purpose: can trigger thermostat adjustments based on room occupancy
    • Easy peel-and-stick install

Govee Water Leak Detection Sensor

    • Real-Time Alerts & Smart Connectivity
    • Loud, Adjustable Alarm
    • Easy Installation & Versatile Placement

Insurance Options & Resources

When it comes to insurance, many companies offer online quote tools, Below are a few well-known options:

  1. Policygenius
    • Online platform allowing users to compare multiple home insurance policies at once.
  2. Lemonade
    • Known for its fast, tech-driven approach to homeowners and renters insurance.
  3. Progressive
    • Offers bundling options (auto + home) and has robust online quoting tools.
  4. State Farm
    • One of the largest insurers in the U.S., with numerous agent offices and flexible policy options.
  5. Allstate
    • Offers a wide range of coverage add-ons, easy claim filing, and bundling discounts.
Looking for more money-saving tips? Visit savemoneywith.net for helpful guides and resources to help you reach your financial goals.

How To Start A Tutor Students Online Side Hustle

Looking for an easy side hustle to save money and boost your income? Tutoring students online is a flexible and rewarding way to share your knowledge while helping others succeed academically. With minimal startup costs and high demand for skilled tutors, this side hustle is perfect for anyone with expertise in a specific subject or skill.

Whether you’re a college student, a teacher, or someone with a passion for a particular field, this guide will walk you through everything you need to know about starting an online tutoring side hustle.

Side Hustle Name: Tutor Students Online

Description:
Provide academic or skill-based tutoring to students via online platforms. This flexible side hustle allows you to share your expertise while earning money from the comfort of your home.


Initial Investment:

  • Reliable internet connection
  • Computer or tablet
  • Headset with a microphone
  • Optional: Certification or subject-specific materials

Skills Required:

  • Subject knowledge (e.g., math, science, languages)
  • Strong communication skills
  • Patience and adaptability
  • Experience teaching (optional but helpful)

Time Commitment:

  • 5–20 hours per week, depending on availability and demand

Potential Earnings:

  • $15–$50 per hour, depending on subject and platform

Target Audience/Market:

  • School-aged children, college students, or adult learners
  • Parents looking for supplemental education for their kids
  • Professionals seeking skill development

Pros:

  • Flexible hours and location
  • Low startup cost
  • High demand in many subjects
  • Opportunity to make a meaningful impact

Cons:

  • Income may vary based on demand
  • Requires effective lesson planning
  • Competition from other tutors

Getting Started:

  1. Identify your expertise and target subject.
  2. Sign up on platforms like Wyzant, VIPKid, or TutorMe.
  3. Create a professional profile highlighting your skills and experience.
  4. Gather materials or resources for tutoring sessions.
  5. Market your services through social media or local groups.

Examples:

  • Platforms: VIPKid, Tutor.com, Preply, Wyzant
  • Real-life Example: A college student tutoring math earns $20/hour on Wyzant, working 10 hours weekly for an extra $800/month.

Main Points

1. Why Online Tutoring is a Great Side Hustle

  • Flexible hours and location—work from the comfort of your home.
  • Growing demand for remote learning, especially in subjects like math, science, and languages.
  • Low initial investment, making it accessible to anyone with a computer and internet connection.

2. Getting Started with Online Tutoring

  • Identify Your Expertise: What subjects or skills can you confidently teach?
  • Choose Your Platform: Sign up on tutoring platforms like Wyzant, VIPKid, or TutorMe.
  • Set Your Rates: Research competitive pricing for your subject and experience level.
  • Create a Professional Profile: Highlight your qualifications, experience, and teaching style.

3. Tools and Materials Needed

  • A computer or tablet with a reliable internet connection.
  • Headset with a microphone for clear communication.
  • Video conferencing tools like Zoom or Google Meet.
  • Subject-specific resources such as textbooks, notes, or practice problems.

4. Tips for Success as an Online Tutor

  • Be Organized: Plan lessons in advance and customize them to each student’s needs.
  • Communicate Clearly: Use simple language and visual aids to explain complex concepts.
  • Build Relationships: Create a supportive learning environment to encourage students.
  • Request Feedback: Ask for reviews or testimonials to boost your profile on tutoring platforms.

5. Potential Earnings and Time Commitment

  • Income Potential: Most online tutors earn between $15–$50 per hour, depending on their subject and experience.
  • Time Commitment: Dedicate 5–20 hours per week based on your availability and financial goals.

6. Pros and Cons of Online Tutoring

Pros:

  • Flexible schedule and remote work.
  • Opportunity to make a meaningful impact on students’ lives.
  • Low startup costs compared to other side hustles.

Cons:

  • Inconsistent income depending on demand.
  • Requires effective time management and lesson planning.

7. How to Find Clients Outside Platforms

  • Social Media: Advertise your services on platforms like Facebook, Instagram, or LinkedIn.
  • Word of Mouth: Let friends, family, and colleagues know you’re available for tutoring.
  • Local Communities: Join neighborhood groups or post flyers at libraries and community centers.

8. Monetization and Relevant Offers

  • Affiliate Marketing: Recommend educational tools like Grammarly, Zoom, or subject-specific resources and earn commissions.
  • Upselling Services: Offer additional services like exam prep or study guides for a fee.
  • Products to Promote: eBooks, digital flashcards, or online courses related to your subject.

Ready to start earning as an online tutor? Take the first step today by signing up on a trusted tutoring platform like Wyzant or VIPKid.

Looking for more money-saving & money-making tips? Visit savemoneywith.net for helpful guides and resources to help you reach your financial goals.