If you're living paycheck to paycheck, don't focus on your credit score. Think about ways to increase your cash flow by reducing debts and expenses. You should also explore ways to increase your income, but first work on the things you can control. Once your cash flow has improved, your credit score will too.
Lately, when I've stopped by my favorite relationship forums, one subject has dominated the message boards; dating etiquette rules. The discussions ranged from who should drive - to - first date extra-curricular activities, but the question of who should pay for the first date was the most popular. Before I began to read these post, I was certain most people would argue that men should pay for most dates, but once I began reading, reality dictated another outcome. Posters from southern U.S. states were more in favor of men paying for most or all dates. Those that considered themselves feminist argued for equal responsibility. Career minded posters were more inclined to feel the person that earned the most money should pay, and most young adults (ages twenty to twenty-six) were comfortable with any arrangement. These varying opinions truly represent the current state of the United States, which is moving away from the traditions of previous generations, but is that good? What are your thoughts about this subject? Do you feel men should primarily pay for dates? Do you think dating expenses should typically be shared equally? Before you answer, here are a few MoneyEtiquette.com dating etiquette tips to consider.
1. The person that sets up the date should typically assume financial responsibility for the date unless previous arrangements were discussed.
2. Never make dinner reservations without researching all menu costs and tipping expectations.
3. Make sure to know the parking costs of the area you're visiting.
4. If you need to cancel, do so at least twenty-four hours prior to the scheduled date time. This helps the paying party avoid cancellation fees.
5. Always be prepared to contribute to dinning costs, even if you aren't paying. People do forget their charge cards every once in a while and you don't want to get embarrassed because of their mistake. This may require borrowing some "just in case" money from a friend or family member.
6. Do not order the most expensive meal on the menu just for the purposes of testing someones spending abilities.
7. Do not post first date pictures or location updates on social media sites.
8. Do not set an expectation for sexual favors based on dating expenses. Ignoring this could get you in trouble with the law, unless there's a sugar daddy /baby agreement.
9. Do not create the illusion of being able to consistently afford expensive dinners you can't really afford.
10.Do not use valet services if your vehicle is being held together with duct tape. You are not only embarrassing yourself, you're making your date look bad too. (Okay, I was just having fun with this one, don't take it too seriously)
What are your thoughts.....