Staying in the Black

Investing while paying off debt Utilize the 50/30/20 Budget  50/30/20 budget divides your take-home income into suggested spending in three categories: 50% of net pay for needs, 30% for wants and 20% for savings and debt repayment For a more aggressive debt payoff budget you may want to use the 50/10/40 Budget dividing your take-home income into suggested spending in three categories: 50% of net p...

What is the true cost of purchasing a car? Before you start shopping for a new car, it's important to understand the true cost of purchasing a vehicle. The price you see on the sticker is just the starting point - once you factor in things like taxes, fees, interest rates, and loan payments, the final cost can be significantly higher. And that's not even taking into account the ongoing c...

This week the Federal Reserve enacted its second consecutive 0.75 percentage point interest rate increase, taking its benchmark rate to a range of 2.25%-2.5%. Brief Background on Host: Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the worl...

In today's episode, Ms. Black talks about "Do you have a crypto FOMO?" The Fear of Missing Out, or FOMO, is a very real phenomenon in the world of crypto. With prices fluctuating rapidly and new coins being created all the time, it can be easy to feel like you're missing out on the next big thing. However, it's important to remember that not every coin is going to make you...

In today's episode, Ms. Black talks about "What is Pet Insurance?" Insurance is a vital part of our lives, protecting us from the unexpected cost of accidents and illnesses. But did you know that there's such a thing as pet insurance? That's right - just like health insurance for people, pet insurance can help to cover the cost of medical care for your furry friend. And wi...

In today's episode, Ms. Black talks about "How is inflation impacting your current budget?" Inflation can be a sneaky thing. It's the gradual increase in the prices of goods and services, which means your money starts to stretch a little thinner over time. While a little inflation is good for the economy, too much inflation can be detrimental. So how does inflation impact your...

In today's episode, Ms. Black talks about "Quarterly Report: Quarter Two"   Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension. Learn m...

5 Negotiation Skills and Strategies  1. Understand the other person's position 2. Keep your emotions in check 3. Talk less, listen more 4. Don't walk away if you get a 'no' 5. Be assertive about what you want, but stay flexible

College applications $450  College visit $ 400  Senior dues $450  (including yearbook, prom, school senior trip)  Prom outfit $800  Graduation/birthday party $550  Graduation luncheon $600*  Senior trip $600  Grand total $3,150 *estimate

8 Document Your College Student Needs  1. Insurance for Your Child’s Belongings  2. Durable Power of Attorney  3. HIPAA Authorization Form  4. The Psychiatric Advanced Directive  5. Health Insurance  6. Insurance waiver  7. Living Will/ Medical Power of Attorney/ Advance Healthcare Directive  8. Family Education Rights and Privacy Act (FERPA) Waiver  Bonus  1. Register to vote  2. Medical and Dent...

The victims of the Texas school shooting in Uvalde - Los Angeles Times  https://www.latimes.com/california/story/2022-05-25/victims-of-uvalde-texas-school-shooting Yes, there were more children killed in school shootings this year than on-duty law enforcement officers killed by gunfire https://www.verifythis.com/article/news/verify/crime-verify/more-children-killed-school-shootings-than-law-enforc...

In today's episode, Ms. Black talks about "What Should You Teach Your Kids About Personal Finance?"   Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts b...

In today's episode, Ms. Black talks about "The 7 Stages Of Financial Freedom"   Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension. THE...

Want to start to conscious spending ask yourself these specific questions about your financial goals and life desires:  Where has my money been going? What do I love spending money on and why?  How much do I need for fixed expenses, such as bills and rent?  How much do I want to invest and save, and why?  How much do I want to set aside for impulse buys or charges, such as drinks with a friend or...

In today's episode, Ms. Black talks about "The Cost Of My Senior Year In Highschool"   Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pensi...

In today's episode, Ms. Black talks about "Quarterly Report: Quarter One"   Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension. https:/...

In today's episode, Ms. Black talks about "My Experience With Credit Cards"   Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension. https...

In today's episode, Ms. Black talks about "A Glimpse Into Financial Literacy Month"   Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pensio...

I n today's episode, Ms. Black talks about "The Dangers Of Impulse Purchases" Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension. Learn...

I n today's episode, Ms. Black talks about "How To Monitor Your Financial Behaviors" Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension...

I n today's episode, Ms. Black talks about "Today's Economy: What Is Inflation?" Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pensio...

Alexis Blair is NYC born and bred. She has raised two children in NYC. She is currently an educational consultant. She has taught on the elementary, middle school and college levels over the course of many years. She is a retired NYC public school administrator.    Email Address: ali7568@aol.com   Learn more about Ms. Black: Website: http://www.stayingintheblk.com Instagram: @stayingintheblk

I n today's episode, Ms. Black talks about "Building Generational Wealth Through Estate Planning" Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyon...

I n today's episode, Ms. Black talks about "How Does Insurance Help To Build Your Runway To Retirement?" Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement account...