Community Resources:
Economic Development Financial Fortitude

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Personal Finance & Budgeting Info for 2022

 

Best Budgeting Tactics To Try In 2022 - Five Budgeting Strategies to Try in 2022

Link to article

 

CNBC’s Best Budgeting Apps of 2022 - These top budgeting apps sync with your bank accounts, are widely available and come highly rated Link to article

 

Federal Trade Commission - Making a Budget

A budget is a plan that shows you how you can spend your money every month. Making a budget can help you make sure you do not run out of money each month. A budget also will help you save money for your goals or for emergencies. Link to article

 

2022 Tax Season Tips

It is tax season again, please check here for the IRS list of Current Tax Tips

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Travel Tips & Tricks for 2022

 

If you are planning to travel in 2022 see below for money and time saving tips provided by Black Soul Rhythms Travel:

 

Travel Tip #1: Using a Flight Comparison Tool Wastes Time

Flight comparison tools are known to make the process of booking flights easier for travelers but you can spend the whole day comparing prices which is time wasting. Prices for airfare fluctuate daily … sometimes hourly!!   Reach out to a travel agent for their advice regarding the average price.  They can tell you if prices are currently high, average or low for your selected destination, departure and arrival dates. Although non-stop is usually preferred, we also suggest alternative routes for both domestic and international flights.  

 

Travel Tip #2: Make Use of a Packing List

A packing list helps you to check off everything you need to bring with you on a trip. Some people prefer handwritten packing lists while others prefer using an online packing list on their devices. At BSR Travel, we created a packing list for your carryon >>  the most important piece of luggage to carry. You should always have important essentials in a carryon bag. 

Link to download the Carryon Packing List

 

Travel Tip #3: Share Your Travel Information With Trusted Friends and Family

Some travelers prefer to travel without informing anyone for personal reasons, but it is very important to inform someone preferably the front desk at the hotel or a close friend about your whereabouts so that if they don’t see you or hear from you in about 24 hours, they can inform the necessary authorities to search for you.  Additionally,  The Smart Traveler Enrollment Program (STEP) is a free service to allow U.S. citizens and nationals traveling and living abroad to enroll their trip with the nearest U.S. Embassy or Consulate. 

 

Travel Tip #4: Travel insurance is a necessity

It is important to get travel insurance before traveling in case of flight cancellations, medical emergencies, lost passport, money, personal possessions or lost checked in baggage. These things can happen to anyone at any time so get an additional layer of protection by trusting your travel advisor to get you the best travel insurance from vetted travel insurance providers.

 

Travel Tip #5: Stay Organized When You Travel

Travel accessories will make our travels infinitely better. They will be helpful in a time of crisis, as well as providing entertainment for your leisure.  Our top 5 favorite travel accessories are listed here.

 

Travel Tip. #6: Why Traveling With Friends and Family is a Great Idea

BSR Travel gives several reasons why traveling with a group can really enhance your experience in this post, “What You Need to Know About Group Travel”

 

Travel Tip #7: Don’t Change Your Currency at the Airport

Don’t change your currency at the airportUnless you are using an ATM machine to withdraw cash. You may be able to withdraw cash in the local currency with competitive exchange rates and low fees (1% to 3%).

 

Travel Tip #8: Match Your Travel Style to Your Perfect Vacation

Have we all heard the phrase "travel in style"? Well, it turns out, it's more important to travel in your style! Understanding your travel style is beneficial because it will help you plan the perfect vacation. Not sure what your travel style is?  Take the quiz to see which of the four categories is your travel style

 

Thanks to Black Soul Rhythms for these tips! 

Safe Travels!

NYC Small Business Services

The NYC Department of Small Business Services (SBS) helps unlock economic potential and create economic security for all New Yorkers by connecting New Yorkers to good jobs, creating stronger businesses, and building thriving neighborhoods across the five boroughs.

U.S. Small Business Administration (SBA)

Created in 1953, the U.S. Small Business Administration (SBA) continues to help small business owners and entrepreneurs pursue the American dream. The SBA is the only cabinet-level federal agency fully dedicated to small business and provides counseling, capital, and contracting expertise as the nation’s only go-to resource and voice for small businesses.

Visit the U.S. Small Business Administration (SBA) here.

New York Alumnae Chapter of Delta Sigma Theta Sorority, Incorporated provides this business listing as a resource and does not necessarily endorse any of the businesses listed in this directory.