• In my first month of owning a home, I’ve spent $3,223.40 on all the things that turn a house into a home — ranging from rugs to furniture to ant traps. 
  • I bought some large furniture for myself, like a new mattress and bed frame, and was gifted other items by my grandparents, parents, and friends. 
  • But, for the most part, I was starting out with a blank slate, since I didn’t bring much with me in my cross-country move. 
  • I spent a lot more than I’d expected in my first month of owning a home, and wish I would have better accounted for the expense of making my house a home while saving. But I don’t regret any of my purchases. 
  • Sign up for Personal Finance Insider’s email newsletter here »

In my first month of owning a home, I feel like I’ve spent an absurd amount of money. 

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  • YouTube’s Partner Program lets creators monetize their videos with Google-placed ads. 
  • YouTube pays creators a certain rate based on the type of audience their videos attract, and talking about money often can net an influencer more per view than many other topics, according to finance creators.
  • We spoke with several finance influencers on how much money they’ve made a month, per 100,000 views, and in a single year on YouTube.
  • Subscribe to Business Insider’s influencer newsletter: Insider Influencers.

This is the latest installment of Business Insider’s YouTube money logs, where creators break down how much they earn.

The attorney Erika Kullberg started her personal-finance YouTube channel one year ago after leaving her job as a corporate lawyer, and she now has about 71,500 subscribers.

Though Kullberg’s YouTube channel doesn’t have millions of subscribers, she is still able to earn a sizeable amount of money each month because of her video

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(Bloomberg) — Nearly 60 million Americans expect someone in their household will lose a job or take a pay cut in the next four weeks, according to survey results released Wednesday by the U.S. Census Bureau.

Minority households in particular are continuing to struggle economically from the coronavirus pandemic, according to the survey conducted from Sept. 16-28.

chart: Precarious Income

© Bloomberg
Precarious Income

The Census Bureau’s latest edition of the Household Pulse Survey found that more than 27% of Americans in their prime working years — those age 25 to 54 — anticipate income losses affecting themselves or someone they live with during October.


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The latest review showed a slight reduction in the number of Americans worried about potential income losses. During the prior survey period conducted Sept. 2-14, 62.3 million people were concerned.

Federal Reserve Bank of Minneapolis President Neel Kashkari said this week that more fiscal support was

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The outflow from equity schemes of mutual funds continued for the third month in a row in September amid sharp volatility in the capital market.

Though the net outflow from equity mutual fund moderated to ₹734 crore last month against an outflow of ₹4,000 crore logged in August, the sharp run-up in valuation remains a concern for investors.

Multi-cap funds, which have been unsettled by regulatory changes, have seen an outflow of ₹1,144 crore, while large-cap and value funds have witnessed an outflow of ₹576 crore and ₹489 crore, respectively.

The outflow from multi-cap funds since June was further accentuated last month by the new SEBI norms that prescribed an individual cap of 25 per cent each in large-, mid and small-cap stocks.

However, the outflow from equity schemes was moderated with inflow of ₹824 crore and ₹621 crore in focussed, and large- and mid-cap funds, respectively.

Akhil Chaturvedi, Head

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October is National Women’s Small Business Month, an initiative focused on promoting female-led business operations.

In 2020, this month-long spotlight on female business owners is especially important, as recent reports show the impact of the pandemic has been dramatic on women in the workforce: Many aged 25 to 54 have stepped out of the professional environment to care for children and family. 

Despite this year’s challenges, the 2019 State of Women-Owned Businesses Report indicated upward growth in the world of female-helmed businesses. 

Findings from the research indicate there are nearly 13 million women-owned businesses in the US that employ 9.4 million people and generate $1.9 trillion in sales. 

Additionally, women-owned businesses grew 21% between 2014 to 2019, while businesses owned by women of color doubled that growth rate: As of 2019, women of color accounted for 50% of all women who owned businesses.

Within the retail and direct-to-consumer sector,

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TOKYO – Activity in Japan’s services sector contracted for the eighth straight month in September but at the slowest pace since the coronavirus pandemic started wreaking havoc on the economy, a private business survey showed on Monday, in a sign that demand is starting to steady.

The final Jibun Bank Japan Services Purchasing Managers’ Index (PMI) rose to its highest in eight months, coming in at a seasonally adjusted 46.9 from 45.0 in the previous month.

The headline index, while still below the 50 neutral level, was higher than a preliminary reading of 45.6, suggesting conditions were moving closer to stabilisation.


“Overall, there are signs of improvement in the sector, however recovery is far from secure,” said Shreeya Patel, economist at IHS Markit, which compiles the survey.

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SILVER SPRING, Md. (AP) — U.S manufacturing grew at a slightly slower pace last month, continuing to rebound from spring’s coronavirus recession.

The Institute for Supply Management, an association of purchasing managers, said Thursday that its manufacturing index fell to 55.4 in September from 56 in August. Anything above 50 signals growth, and U.S. manufacturing has expanded now for five consecutive months.

The ISM reported that new orders and production grew in September, though at a slower pace. Employment contracted for the 14th straight month, though with a reading of 49.6, came very close to expansion for the first time since July 2019.

Among the six biggest manufacturing industries, food, beverage and tobacco continued to be the best-performing sector.

ISM said 14 of the 18 manufacturing industries reported growth in September. Those in contraction were apparel, printing, petroleum and coal products and primary metals.

Layoffs are hitting sectors in retreat,

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The final jobs report before the general election shows a gain of just 661,000 jobs for September and the unemployment fell from 8.4 percent to 7.9 percent, according to data released Friday by the Bureau of Labor Statistics.

Over the summer the unemployment rate fell from its lockdown spike of 14.7 percent to 8.4 percent by August, but the pace of gains has drastically slowed, pointing toward a protracted period of fragile recovery that could be further imperiled if infection rates worsen.

It’s a “steady flood of job loss,” said Bill Scribbs, an economist for the AFL-CIO labor union. “The next six months… look pretty bad because what happened in August with people using so much credit is they’re going to be reticent to spend money by Christmas. We won’t have enough jobs back by November.”

The data for the monthly jobs report comes from a survey of workers conducted

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TOKYO (Reuters) – Japanese household spending is expected to have fallen for a 11th straight month in August, a Reuters poll found on Friday, suggesting the coronavirus crisis is still weighing heavily on consumer confidence.

Analysts say the economy is rebounding gradually after suffering its worst post-war contraction in the second quarter, but the jobs and wage situation remain weak.

New COVID-19 cases in Japan have been on a general downward trend recently but appear to be levelling off.

Household spending likely fell 6.9 % in August from a year earlier, the poll of 14 economists showed, after a 7.6 % fall in July.

Compared with the previous month, household spending is forecast to have risen 3.2% in August from a 6.5% decline, the poll found.

“As the coronavirus cases resurged in Japan, people’s self-restraint stance towards spending on entertainment and tourism persisted,” said Takeshi Minami, chief economist at Norinchukin

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U.S. stock indexes closed higher Wednesday, but booked their worst month since March, as hopes faded for another round of fiscal stimulus from Washington ahead of November’s election.

Market participants also were wary of a potentially contested November result following Tuesday’s rancorous first presidential debate.

The Dow Jones Industrial Average

rose 329.04 points, or 1.2%, to close at 27,781.70, while the S&P 500 index

gained 27.53 points, 0.8%, to end at 3,363. The Nasdaq Composite

finished 0.7%, or 82.26 points higher, at 11,167.51.

For the month, the Dow closed 2.3% lower, the S&P 500 down 3.9% and the Nasdaq Composite ended off 5.2%, marking the first monthly decline for each benchmark since March which saw the low point of the sell off resulting from the coronavirus pandemic.

On a quarterly basis, the Dow advanced 7.6%, the S&P 500 rose 8.5% and the Nasdaq Composite

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