This personal finance tip is about the Blueland line of cleaning products. This includes mirrors, bathrooms, multi surface as well as dishwashing and laundry.  These products save you money over traditional cleaners and helps reduce waste specifically plastic, while reducing the environmental footprint.

This episode's main topic is about a listener question: is it advantageous incorporate a 13-payment plan with your mortgage lender? The answer is yes and possibly no.  We also take review listener feedback regarding recent personal finance tips of the week.  The roundtable the discussion is about our neighbor that continues to make other people's yard look worse.  We also tell story of woman that received her final child support payment in the form of 80,000 pennies that her ex-husband dumped on her curb.

This personal finance tip is on the caveats of options trading. Options are very risky and truthfully it is gambling. It is important to make sure that you should not play with money that you cannot afford to lose.

The tip of the week discusses how to roll in closing costs into a home purchase or refinance. This can reduce the upfront cost burden; however, it means more is money borrowed which accumulated additional interest over the life of the mortgage.

This episode covers the current state of the student loan crisis that puts college graduates into debt when the enter the workforce. This is a hindrance that holds people back from achieving financial goals. The White House and Congress have been discussing the solutions to forgive debt; however, nothing has been accomplished and there is no resolution in the near future. In the roundtable the discussion centers around people who have "Gone Commando" because they ran out of underwear and those that choose to do it willingly. Stories section: A four-year old has been accepted to Mensa so there is a good chance that family will need any student loans in the future? Next: Chicago has approved another feral cat program where launch cats into the streets to control the rat problem.

The tip of the week centers on why drinks at bars and restaurants are expensive. This centers on the actual cost of the alcohol and other ingredients along with the pour cost. This is why drinking is an expensive budgetary item.

The financial topic discusses the rising inflation. What causes inflation and what are the types of inflation. How does it effect the stock market and the overall retirement next egg?  In the stories section they talk about the crazy and unusual things that people have been doing to hoard the gas due to the fuel shortage. They review funny tweets that have been posted.  Gas Hoarding Pictures https://www.boredpanda.com/usa-gas-shortage-pics/?utm_source=google&utm_medium=organic&utm_campaign=organic

The tip of the week centers on saving money on gasoline in the budget with the GasBuddy App. This tool lets you filter on the type of gas that you need as well as the brand, location, and price. In addition, you can drill down to places that have car washes, restaurants and restrooms.   GasBuddy also alerts you with price hikes and daily deals and has a rewards card to save more money.

In this episode: Is it more beneficial to lease or buy a car. Prices for automobiles are inflated due to the chip shortages in tandem with high demand from consumers.  So what is the most advantageous choice for the cost in the budget? Perhaps buying a used car. In the stories section they talk about Lou Ottens; the inventor of the cassette tape and they review inventors who regretted their inventions.  Lou Ottens - Cassette Inventor https://www.theguardian.com/world/2021/mar/11/lou-ottens-inventor-of-the-cassette-tape-dies-aged-94#:~:text=Lou%20Ottens%2C%20the%20Dutch%20engineer,of%20Duizel%20in%20North%20Brabant. Paper Pop Gun https://www.worthpoint.com/worthopedia/paper-popper-pistol-made-usa-original-1723157443 Inventors who Hated Their Inventions https://www.ranker.com/list/inventors-and-the-inventions-they-hate/jacob-shelton

The budget tip of the week centers on saving money on your Internet bill in the budget.