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User in Government Administration
2019-05-21
What do you like best?
Ease of use and the ability to transpose images.
What do you dislike?
Needs a larger variety of fonts. The color chart also needs to have more choices.
Recommendations to others considering the product:
PDFfiller has eased my document management and truly "filled" my non-filler documents!
What problems are you solving with the product? What benefits have you realized?
I make documents writable because I absolutely do not write out anything.
5
Mary Lou Rosengren
2020-01-14
Easy to use Easy to use. Only one downside - can't bring in any other types of fonts. That would be helpful. Other than that it's good for my needs.
4
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Senator Elizabeth Warren popularized the so-called “50/20/30 budget rule” (sometimes labeled “50-30-20”) in her book, All Your Worth: The Ultimate Lifetime Money Plan. The basic rule is to divide up after-tax income and allocate it to spend: 50% on needs, 30% on wants, and socking away 20% to savings.
The 70-20-10 Rule For example, if you spend 75% of your income on living expenses, reduce the amount you put into your savings by 5%. If you want to put more money into your savings, you must reduce your living expenses and/or decrease your debt.
The 70/30 Rule. Take your monthly take-home income and divide it by 70% and 30% and divvy up the percentages as so: 70% is for monthly expenses (anything spends money on) 10% goes into savings unless you have pressing debt in which case it goes toward debt first.
A conservative rule of thumb for other consumer credit, not counting a house payment, is called the 20-10 rule. This means that total household debt (not including house payments) shouldn't exceed 20% of your net household income. (Your net income is how much you actually bring home after taxes in your paycheck.)
The 10% savings rule says you should save about 10% of your income for retirement. Most people find themselves in their mid-40s or -50s when they first give serious thought to saving for retirement. If that's you, and your career is doing well, a 10% savings rate is probably not going to be enough.
Ideally, you should budget about 7% of your take-home pay for household expenses, but you may need to budget as high as 10%, depending on where you live and how big your household is.
We recommend the popular 50/30/20 budget. In it, you spend roughly 50% of your after-tax dollars on necessities, no more than 30% on wants, and at least 20% on savings and debt repayment.
A reasonable budget can differ from person to person. In general, each person's budget depends on her income and spending needs and habits. These are the things that a budget tracks. In her budget, she will allot a certain amount of money to each expense so that she doesn't exceed a total of $4,500 a month.
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