Monday Night Finance- Volume 94

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Hello Prenup: A Cost Effective Alternative To An Attorney For Your Prenup

What comes to mind when you hear the word “marriage”? A white dress in a beautiful setting? Family gathered around watching a happy couple slice a wedding cake? While we typically think of marriage as a union of hearts and minds, it is also very important to realize that it includes a merging of financial assets and liabilities. And while we all like to think that marriage lasts forever, the fact is that around half of all marriages end in divorce. While no one goes into marriage thinking they’ll get divorced, it doesn’t hurt to make sure you’ll be protected in case things dramatically change the day after you say your vows.

A prenup is a legal contract that outlines how assets acquired before and during the marriage will be divided in the event of a divorce. It also addresses topics like spousal support and what financial obligations each party has to each other after the marriage is dissolved. Many prenups have a death clause that helps with estate planning if one spouse passes away during the marriage, so they’re useful even if you expect to be together forever. 

~Vicky Monroe @

One way to protect yourself is by getting a prenuptial agreement (commonly called a prenup). A prenup is type of contract that explicitly states how assets and liabilities will be split if you get a divorce (along with potential child support or alimony). If you’ve thought about getting a prenup but thought it was too complicated or costly, this article by could be worth reading. They summarize how prenups work along with explaining how Hello Prenup can simplify and lower the cost of prenuptial agreements. By sidestepping the traditional routes, which often involve lengthy legal consultations and significant expenses, Hello Prenup offers a streamlined, cost-effective solution. If you’re about to say “I do”, check out this article before walking down the aisle.

If Your Employer Refuses To Negotiate Salary, Try These 11 Creative Counteroffers

We all know that you are supposed to negotiate salary. But what happens when your employer refuses to negotiate salary (or is unable to do so). Should you just give up and accept any old job offer? If you’re normally someone who doesn’t think it’s worth it to continue negotiating, then you need to check out this article by the Bitches Get Riches blog. The writers at Bitches, Piggy and Kitty, are all about helping you make the most money possible and have got your back when salary negotiations get tough.

Some employers have a strict system for salaries based on tenure, experience, performance, or job title. Others must adhere to government guidelines or union rules regarding fair salaries. It also doesn’t mean that the conversation is over. You can ask for so much more than money! When an employer refuses to negotiate salary, they’re giving you leverage to ask for other things.

~”Kitty” @ BitchesGetRiches

In this insightful article, Lauren Torres, also known as “Kitty,” offers a comprehensive guide on navigating the challenging landscape of salary negotiations when your employer refuses to engage in the conversation. With a plethora of practical examples and sample scripts, she unveils eleven creative counteroffers that go beyond the traditional salary increase request. From securing future raises to negotiating flexible work arrangements and even requesting additional paid vacation time, Torres provides you with the tools to enhance not only your income but also your overall job satisfaction. If you’ve ever found yourself at an impasse when it comes to salary discussions, don’t miss the opportunity to read this article and gain the confidence to take control of your financial future.

Why is Temu so cheap?

We all love a good sale. The only thing better than buying something you love is buying it at the absolute lowest price possible. Recently, my quest for frugality has drawn me towards the app Temu. I was able to snag several items I was in desperate need of for less than half of what I would have paid for at a store. In fact, the prices seemed so good I wasn’t sure if it was a scam when I placed my first order. Curiosity piqued, I embarked on a journey to unravel the mysteries behind Temu’s unbelievably low prices and stumbled upon this article by Emma Healey of

The secret behind Temu’s unbeatable deals lies in the unbranded, mass-produced products they source from various manufacturers in China. By doing so, they’re able to keep costs down and pass those savings on to you, the consumer. However, it’s important to be aware of the potential trade-offs that come with these low prices.

~Emma Healey @ Mum’s Money

In this illuminating article by Emma Healey, you’ll uncover the secrets behind Temu’s budget-friendly deals. The key lies in their unique approach of sourcing unbranded, mass-produced products directly from Chinese manufacturers, allowing them to slash costs and extend unbeatable savings to their customers. As you delve deeper, you’ll gain insights into the app’s user-friendly interface, discover the variety of products on offer, and learn about their strategic marketing efforts that have made Temu one of the most downloaded apps. However, with great bargains come important considerations regarding quality and customer service. So, before diving headfirst into the world of Temu shopping, join us on this journey to understand the factors that make Temu so incredibly affordable and why it might just be the right fit for your online shopping needs.