Determining Sources: Common Money Issues People Find Themselves In


In the topic of money and commerce, there is often a lot of struggle that is involved. Despite best intentions, many find themselves falling into some pretty common money problems and issues. WE believe that in order to avoid the problem, one does need to know that it is a problem to begin with.

That being said, we would like to share some of the more common money issues that we have come across in our field of work:

Paycheck to Paycheck Existence

As soon as we graduate (or even while we are pursuing education), we get jobs that help us pay for the other things in our life like rent, food, clothes, gas, heating, etc. Most people find themselves living in a sort of paycheck to paycheck existence. They are only making enough to survive and none at all to put away and allow to grow into something more.

If the money is only enough to breakeven, you will never get anywhere.

Exorbitant Living Expenses

Needs and wants are completely separate. People are creatures of habit and of comfort. We tend to stay where we are comfortable. This can often involve keeping up with friends who have a bigger spending capacity. If you find yourself running out of money as soon as it gets there, you may need to reconsider your living expenses and your lifestyle.

Exorbitant living expenses are a sure trip to financial trouble in the future.


Unforeseen can happen in a blink of an eye. You may think that you’re solid in one moment and find yourself facing an exorbitant bill because you or someone in your family got ill. Sudden loss of income is a very real possibility and those that do not consider this end up with pretty much nothing.

These three things that we’ve mentioned are some of the more common money issues that we have come across. We hope that identifying them will help you better avoid them in your life.


Earning a Little Extra: What Forms of Gambling is Legal in Tennessee?


The state of Tennessee is well known for a lot of things like music, famous individuals, and our very strict gambling laws. This, however, does not imply that all gambling is banned. There are a few forms of gambling that are actually considered legal.

This is what we shall be focusing on in today’s discussion. Here are a few forms of gambling that is actually legal in TN:

Online Gambling in Offshore Sites


Online gambling has been legalized in several other states in the USA. Tennessee is not one of those states. However, this does not mean that her citizens are completely denied the ease and fun of online gambling websites.

The caveat is that online gambling is allowed only if people play using offshore sites. If you gamble using a local website, that can land you in hot water! It would be best to stick to those that stem from Europe or other parts of the world.

Horse Racing Betting


Sports-betting is often unilaterally disallowed and considered illegal in TN. However, there is something that is allowed: betting on horse racing. Horse racing is something that has long been a traditional sport. It is something that has quite an age on it and generally involves money. This is because of the fact that horse racing requires breeding, training, upkeep of animals, and so many other things.

Being able to place a bet on a winner can help breeders and trainers recoup their losses and their investment.

Official State Lottery


Much like other states, TN has a lottery. The biggest difference is that it is the official state lottery. There are no other forms that can be found in TN. If someone wanted to go buy a scratch card or a power ball ticket, they will not find them here.

These are some of the rare forms of gambling that has been allowed in Tennessee. What other forms of gambling are legal here; do you know?