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    Fashion, Holiday Guides, Shopping Guides

    4th Of July Guide…

     1. ONE || 2. TWO || 3. THREE || 4. FOUR || 5. FIVE || 6. SIX || 7. SEVEN || 8. EIGHT || 9. NINE || 10. TEN 

     💙 RED, WHITE + BLUE  💙

    4th of July is just days away + that means bring on the BBQ, fireworks, pies, and lots of patriotic outfits! America’s Birthday is one of my favorite days of the year + it brings back memories of when I was a child cruising around Long Island with my dad searching for fireworks at various beaches, such a weird feeling that a lot of the fireworks shows aren’t happening this year due to COVID but that doesn’t mean you can’t still celebrate with family + friends with a backyard BBQ or fun picnic etc!

    Here’s some fun Patriotic Style Picks for you to rock this ⭐️ 4th Of July ⭐️

    SHOES

    SWIM

    DRESSES

    TOPS / TEES

    BOTTOMS

    ACCESSORIES

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    Outfits

    Cherry Pop…

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     🍒 CHERRY POP  🍒

    Summer is officially here (even if we are still social distancing, quarantining, wearing masks + more) so that means it’s time to get excited for 4th Of July, one of my favorite days of summer! I love the backyard BBQs, the fireworks + the family fun this holiday brings while celebrating America’s Birthday!

    One of my favorite things to do in preparation for the 4th Of July is embrace wearing Red, White + Blue + baking Cherry Pie so I combined my love of both with a little cherry print outfit from SHEIN!

    I LOVE this two piece Cherry Print Set from SHEIN and it’s under $25 and fits true to size. I paired it with a simple denim jacket, red Gucci Padlock Bag, red heart sunglasses + white espadrille wedges.

    This set is so fun for summer AND SHEIN has a ton of more fun outfit for summer that are always on sale + affordable!

    Linking to some of my favorite Cherry Print Picks below!

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    Fashion, Shopping Guides

    Summer Swim Guide…

     1. ONE || 2. TWO || 3. THREE || 4. FOUR || 5. FIVE || 6. SIX || 7. SEVEN || 8. EIGHT || 9. NINE || 10. TEN 

    💦 SWIMS UP  💦

    With all that is going on it may not feel like summer is here but with the warmer temps and itching for chilling by the pool or heading to the beach, we are certainly getting ready for a relaxing dip! One of my favorite parts about swimsuit season? Stocking up on my favorite beach finds like totes, cover-ups, sandals + of course…SWIMWEAR!

    From tie-dye to high waisted bottoms to sparkly pieces + more, I am loving the summer trends for 2020 + rounding up some of my favorites below.

    ONE PIECES

    BIKINIS

    COVER-UPS

    HATS + SUNNIES

    SANDALS

    BAGS

    TOWELS

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    LifeStyle, Tips + Tricks

    Tips To Investing for the First Time…

    ♥ Ready to Invest Like A Pro? ♥

    If you said to me a few years ago, let alone a year ago that I would be thinking about my financial future + be opting to invest some money rather than spend it all where I can see it…my closet hehe I would have said you are C R A Z Y…BUT here we are, I am super into investing, excited about my financial future + honestly I feel really amazing about it!

    Over the past year I discovered more + more young people are neglecting investing, living paycheck to paycheck or are spending beyond their means. Trust me…this was me. For YEARS I felt brunches, lunches, dinners, Starbucks, handbags, shoes etc were more important than my financial future. I thought about the immediate now rather than the future + it honestly took me till seeing how wise my boyfriend is with his money that inspired me to get better with mine.

    I laid out a plan to pay off my credit card debt, think about how much I should be investing a year not just to secure a better future but also have tax break benefits as a write off, and of course…invest money in ways that will actually MAKE me money, YES investing in your financial future isn’t just saving for a rainy day or retirement, investing if done right can become an additional revenue source + that is what thrills me the most!

    OK, so you are hyped, you are inspired + you are ready to begin investing…so what is the next step? What do you do? Well I did a little Q&A with various people in the financial world to cover all of your questions. *Note these are personal opinions*

    1. Less and less Millennials are learning about investing, let alone actually investing themselves. Why do you think this is?

    Most Millennials have student loan debt and are trying to get a good enough paying job after college to actually afford to be self sufficient, so saving is the last thing on their minds.

    2. What is investing?

    Investing is putting away money for the future, either retirement or for future big purchases ex. cars or a house

    3. What types of investments are there?

     Mutual funds, individual stocks or retirement such as I.R.A.’S or 401K’S through your job.

    4. When it comes to starting a 401k when should a person create one on their own vs taking one with an employer? When should someone take advantage of an employer 401k plan?

    When you start a new job, you are often told about the company’s benefits package which includes a 401K (better known as a retirement plan). The plan typically entails setting money aside each paycheck as a pretax deduction to put away for your retirement. Some employers will match your contribution making it worthwhile to go through your company for your 401K plan as opposed to doing it on your own.
    Personally I like my Traditional I.R.A where I get a tax deduction at the end of the year when I file my return and if I leave an employer I don’t have to stress about switching over or transferring my 401K.

    5. What age should one seriously begin investing? 

    Realistically you should begin investing as soon as you can + you can start off small by saving $50 per paycheck and set that aside to invest or put into a retirement account. Ideally, age 23 is the optimum age to begin investing since most people re usually finished with their 4 years of college and in their first full time job most likely. If you are continuing on to get your Masters, you should hold till you finish school.

    6. How does one balance paying off debt i.e. student loans and also putting money aside to invest?

    Look at your monthly net income after taxes and evaluate your bills and expenses. See where you are spending the most money or where frivolous spending occurs (Starbucks, Brunch, Bars, Ubers etc) and cut those expenditures back by a quarter, half or third to put those funds towards investing for your future. You get way more out of your investments than that Avocado Toast, Bottle Service at the Club etc. Personally I don’t drink since I don’t like the taste but also I can’t justify spending on things that aren’t tangible + long lasting. My guilty pleasure is shoes and handbags which I can always sell if needed etc.

    7. What percentage of a paycheck should go towards investing?

    It is recommended to invest a minimum of 5% of your paycheck per pay period, but if you can invest more that is always recommended!

    8. What are the benefits of investing? Can your money really grow? What are the risks?

    The benefits of investing are that the money earns much more than in a savings account which pays very little & barely grows. The current rates of savings accounts around the country are typically only 1% ad that is really bad. The risks are that the market does fluctuate daily but as long as you ride it out and don’t look for immediate returns the pay off can be huge.

    9. For someone new to investing how do they get started?

    There are plenty of apps out there to help advise you on good investment options or you can always seek out a financial advisor although they do charge a fee. You can also go directly to companies like Fidelity, Voya etc and join their ‘House Accounts’ if you don’t want to pay a financial advisor fee or commission.

    10. What should someone investing be on the lookout for when choosing investments?

    You should look at the portfolio of each and every fund or stock and see it’s historic prices & returns. Look at the length of time the fund has been around, who is the fund manager and what is their experience etc.

    11. How much should someone have to begin investing with? How often should they add to this?

    Most funds want a minimum of $1,000 to start with, some may want more depending on the fund. It is recommended to start with $2,000 to diversify your first investment (split between 1 or more mutual funds or stocks)

    12. Do you feel investing encourages better financial responsibility? If so why?

    Yes, because you get to see your quarterly statements and be proud of what your extra income earned for your future. Investing is a great way to make money on the money you already have without doing any work. Let your money work for you.

    13. Any misconceptions you’ve come across in your career about investing? If so what?

    MANY PEOPLE THINK STOCKS AND FUNDS ARE INSURED AND GUARANTEED, AND THEY ARE NOT. IT IS A RISK, BUT EVERYTHING COMES WITH RISKS.

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    Collaborations, LifeStyle, Tips + Tricks

    Getting Ready For What’s Ahead With Credit Repair!

    missyonmadison, missyonmadison blog, missyonmadison instagram, la blogger, creditrepair, financial planning, financial plan, financial planning for the future, future planning, fixing your credit, fix your credit, how to plan for your financial future, how to fix your credit,

    Thank you CreditRepair.com for sponsoring this post. CreditRepair.com’s team understands that a credit score is not just a number; it’s a lifestyle.

    Preparation is KEY!

    I’m super excited to share one of my best-kept secrets when it comes to preparing ahead for the future…CreditRepair.com! My fiance and I are recently engaged so that means we have a lot of big life milestones coming up: Planning our wedding, Buying a home AND Preparing to start a family! What does this mean? (Other than wow time flies by hehe) It means it’s time to get our credit in check and make sure we have amazing credit scores to make all these major life moments go off without a hitch!

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    I take really great pride in being financially responsible and savvy. Before meeting my fiance I was always shopping, never saving, and didn’t even think of investing in the future with stocks or retirement etc. Fast forward to now, I save a lot, I always keep in mind what I am spending vs monthly bills and things I owe, and most importantly, I think about what lies ahead.

    Since we have so many big purchases coming up I was excited to sign up for CreditRepair.com and to work with their team to make sure my credit is squeaky clean to make those purchases and get the best mortgage and credit rates as possible. If you haven’t heard of CreditRepair.com, they are a leading provider of credit report repair services in the United States, with over 500,000 clients served!

    I always pay my bills on time and work hard to keep my credit score high so that is why I was pretty surprised when I began working with my Credit Repair team that they noticed a few hits on my credit that we then came up with a plan to resolve as best as we can. They discovered a collections hit from a medical bill a few years ago that was paid in full but was still a hit on my credit somehow. Naturally, I was freaking out but my CreditRepair.com advisor was amazing and helped me come up with a solution. They reached out to the collections company on my behalf to work to remove the credit hit.

    It’s things like that that I never even thought of when planning for my future especially since I check my credit score often and it goes up consistently. This hidden hit is something I never would have been aware of without the amazing help of CreditRepair.com!

    Whether you are financially savvy and want to remain on top of your game or if you are struggling to get debt-free and have a successful financial future, CreditRepair.com has awesome resources and a responsive team here to support you on your credit journey! Follow along with my credit journey over the next few months, and stay tuned for an opportunity to start your very own credit journey!

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