Author: dailyhabitsblog

IRS Stimulus Buzz

IRS Denies $1,390 Stimulus Checks for Summer 2025 — What Americans Need to Know

n recent weeks, headlines and social media posts have sparked a wave of excitement claiming that the IRS is preparing to send out $1,390 stimulus checks to millions of Americans this late summer. Many people rushed to find out if they were eligible for these supposed payments, hoping for much-needed relief in today’s tough economy.

But here’s the truth: the IRS has confirmed that no such stimulus checks are being issued in summer 2025. While the topic is trending online and fueling discussions, it’s important to separate fact from fiction. Let’s break down where the rumor came from, what the IRS has actually said, and what Americans should really know about financial relief in 2025.


1. How the $1,390 Stimulus Check Rumor Started

The story of the so-called $1,390 IRS checks didn’t come out of thin air. Several misleading articles and viral posts circulated online, making it seem as though the government had approved another round of direct payments. Some headlines even used wording like “IRS confirms” or “late summer payout,” creating confusion for readers.

This misinformation spread quickly on platforms like Facebook, TikTok, and YouTube, where financial rumors often gain traction. Many Americans, still feeling the aftereffects of inflation and rising costs, were naturally eager to believe help was on the way.

However, these claims were not based on any official announcement. In fact, the IRS has directly clarified that no new economic impact payments are being issued at this time.


2. Why People Believed the Rumor

There are two main reasons why the rumor gained so much attention:

a) The Recovery Rebate Credit (RRC)
Earlier in 2025, the IRS distributed billions of dollars through the Recovery Rebate Credit, which allowed people who missed earlier COVID-era stimulus checks to claim payments of up to $1,400 per person. Those payments were real—but the program closed on April 15, 2025.

Because that program was so recent, many people assumed the new $1,390 figure was connected, even though the IRS has made it clear that the rebate is no longer available.

b) Political Proposals Misunderstood
Around the same time, lawmakers floated ideas for future relief measures, such as the American Worker Rebate Act, which proposed direct tax rebates funded by tariffs. While that bill made headlines, it has not been passed into law. Some websites used this to suggest new checks were guaranteed, which is simply not true.


3. What the IRS Has Officially Said

The IRS has been very clear:

  • No new stimulus checks have been approved.
  • No $1,390 payments will be distributed this summer.
  • The Recovery Rebate Credit deadline has already passed, and no extensions are available.
  • Any future stimulus payments would require Congressional approval before the IRS could take action.

This means that unless new legislation is passed in Washington, Americans should not expect surprise deposits from the IRS.


4. The Legal Process Behind Stimulus Payments

It’s helpful to understand how stimulus checks actually work. Contrary to viral rumors, the IRS doesn’t decide on its own to send out money. Here’s the process:

  1. Congress passes a law authorizing relief payments.
  2. The President signs the bill into law.
  3. The Treasury Department and IRS distribute the funds.

During the pandemic, this process happened several times, which is why millions received direct deposits quickly. But without new legislation, the IRS cannot issue fresh payments.


5. Common Myths and Misconceptions

Since the rumor started, several myths have circulated. Let’s clear them up:

  • Myth 1: “Everyone will get $1,390 this summer.”
    Fact: False. No payments are approved.
  • Myth 2: “The IRS already confirmed the checks.”
    Fact: False. The IRS has denied the rumor directly.
  • Myth 3: “This is connected to the $1,400 stimulus.”
    Fact: The Recovery Rebate Credit is over. This rumor is unrelated.
  • Myth 4: “Social Security and SNAP recipients will automatically qualify.”
    Fact: No payments are planned, so no eligibility rules exist.

6. Why These Rumors Are Risky

Beyond disappointment, these rumors can actually cause harm:

  • Scams: Fraudsters often take advantage of trending topics. Fake emails, texts, or calls may claim you need to “verify your information” to receive a check. Remember: the IRS does not contact taxpayers this way.
  • False Hope: Many families plan their budgets based on news of relief. Relying on inaccurate information can lead to financial setbacks.
  • Misinformation: Viral content spreads quickly, making it harder for people to know what’s real.

This is why the IRS urges Americans to rely only on official updates.


7. What Relief Programs Are Actually Available in 2025

Even though no new federal stimulus checks are being issued, there are still ways some Americans can find financial support:

  • Tax Credits: Families may qualify for the Child Tax Credit or Earned Income Tax Credit.
  • State Programs: Some states continue to offer targeted relief, rebates, or tax refunds.
  • Social Programs: Benefits like SNAP, Medicaid, and housing assistance remain available for eligible households.

Checking directly with state government websites and IRS.gov ensures you get accurate information.


8. Frequently Asked Questions (FAQs)

Q: Will I get $1,390 this summer from the IRS?
A: No. The IRS has confirmed there are no payments scheduled.

Q: What about the $1,400 stimulus I heard about?
A: That was part of the Recovery Rebate Credit, which ended in April 2025.

Q: Could new checks be approved later this year?
A: Only if Congress passes a new law. As of now, no such bill has passed.

Q: How can I avoid scams?
A: Ignore calls, emails, or texts claiming to be from the IRS. Always check IRS.gov for official updates.


9. How to Stay Updated

The best way to stay informed is to:

  • Visit IRS.gov for official announcements.
  • Follow credible news outlets.
  • Be skeptical of viral posts that don’t cite reliable sources.

This ensures you get facts—not rumors.


Conclusion

The excitement around a new $1,390 stimulus check may have sparked hope, but the reality is simple: no such payments are coming in summer 2025. The IRS has denied the claims, and without new action from Congress, no stimulus checks can be issued.

While the misinformation wave may continue online, Americans are best served by staying alert, avoiding scams, and relying on official updates. Financial relief programs still exist, but they are not the same as a brand-new stimulus payout.

For now, the takeaway is clear: be cautious, stay informed, and don’t let viral rumors shape your financial decisions.

Cheap Destinations

EMI-Friendly Travel Destinations for Budget Seekers in 2025

n 2025, budget-friendly travel is no longer about skipping the dream destinations—it’s about smart payment planning.
One of the hottest trends right now is combining affordable destinations with EMI or Buy Now, Pay Later (BNPL) travel options. This approach lets you split costs for flights, hotels, and even experiences into manageable monthly payments, making travel more accessible without overshooting your budget.

According to CNBC, BNPL usage for travel bookings has surged—companies like Klarna and Affirm saw travel-related booking volume rise 38% to 50% year over year, totaling over $1 billion in Q4 2024. Nearly 20% of American travelers in 2025 plan to use BNPL to finance their summer vacations.

With those trends in mind, here’s a curated list of EMI-friendly travel destinations you can enjoy in 2025—each matched with rough cost breakdowns and tips for making them work on a monthly budget.


1. Lisbon, Portugal – Europe’s Affordable Gem

Why it’s EMI-friendly:
Lisbon offers old-world charm at new-world prices. Daily expenses, from coffee to metro rides, remain far cheaper than in Western Europe’s big cities.

Cost Snapshot:

  • Flights from US: $450–$700 (round trip, off-season)
  • Accommodation: $30–$60/night (budget hotels or Airbnb)
  • Daily expenses: $35–$50/day

EMI Fit:
Breaking a $1,200 total trip cost into 6 monthly installments equals just $200/month—less than many phone bills.

Extra Tip: Use public transport cards and eat at tascas (local eateries) to stretch your budget.


2. Bali, Indonesia – Luxury on a Budget

Why it’s EMI-friendly:
Bali combines affordable luxury stays with incredibly low daily living costs. It’s a sweet spot for travelers who want a tropical escape without high-end prices.

Cost Snapshot:

  • Flights from US: $700–$1,000 (round trip)
  • Accommodation: $20–$50/night (private villa or guesthouse)
  • Daily expenses: $25–$40/day

EMI Fit:
A $1,500 two-week Bali trip can be split into 10 months at $150/month—manageable and interest-free if planned smartly.

Extra Tip: Plan for shoulder season (May–June, Sept–Oct) to save on flights.


3. Budapest, Hungary – Affordable European Culture

Why it’s EMI-friendly:
Budapest delivers stunning architecture, rich history, and thermal baths—all at a fraction of the cost of Paris or Rome.

Cost Snapshot:

  • Flights from US: $500–$750
  • Accommodation: $25–$50/night
  • Daily expenses: $30–$45/day

EMI Fit:
A $1,000 budget can be split into 5 months at $200/month—ideal for short-term EMI travelers.

Extra Tip: Use multi-city flight tickets (like New York → Budapest → Lisbon → return) to combine destinations under one airfare.


4. Mexico City, Mexico – Culture Close to Home

Why it’s EMI-friendly:
Shorter flights mean lower airfare, and Mexico City offers an unbeatable combination of culture, food, and affordability.

Cost Snapshot:

  • Flights from US: $200–$400
  • Accommodation: $30–$60/night
  • Daily expenses: $25–$40/day

EMI Fit:
A 5-day trip costing $600 can be split into 3 months at $200/month—perfect for quick getaways without long debt commitments.

Extra Tip: Opt for street food (tacos al pastor)—cheap, filling, and delicious.


5. Chiang Mai, Thailand – Slow Travel Paradise

Why it’s EMI-friendly:
Chiang Mai’s cost of living is incredibly low, making it possible to extend your stay without extending your debt.

Cost Snapshot:

  • Flights from US: $650–$950
  • Accommodation: $15–$40/night
  • Daily expenses: $20–$35/day

EMI Fit:
A $1,200 month-long trip = $100/month for 12 months—less than your weekly grocery bill in the US.

Extra Tip: Renting a scooter for the month costs less than one taxi ride in New York.


6. Prague, Czech Republic – Fairytale Europe on a Budget

Why it’s EMI-friendly:
Prague gives you Europe’s medieval magic without the “Paris price tag.”

Cost Snapshot:

  • Flights from US: $500–$800
  • Accommodation: $25–$55/night
  • Daily expenses: $30–$45/day

EMI Fit:
A $1,100 trip can be comfortably split into 11 months at $100/month—manageable even with other bills.

Extra Tip: Book overnight buses or trains to nearby Vienna or Berlin to save on accommodation.


7. Hanoi, Vietnam – Street Food & Culture

Why it’s EMI-friendly:
Vietnam remains one of Southeast Asia’s most budget-friendly destinations, with airfare being the main cost.

Cost Snapshot:

  • Flights from US: $700–$950
  • Accommodation: $15–$35/night
  • Daily expenses: $20–$30/day

EMI Fit:
A $1,300 trip over 8 months = $162/month, cheaper than many car payments.

Extra Tip: Take overnight trains between Hanoi and other Vietnamese cities for budget travel and a free night’s stay.


8. Athens, Greece – History on a Budget

Why it’s EMI-friendly:
With more budget flights available than ever, Athens offers affordable access to Europe’s ancient history.

Cost Snapshot:

  • Flights from US: $500–$750
  • Accommodation: $30–$60/night
  • Daily expenses: $35–$50/day

EMI Fit:
A $1,200 trip over 6 months = $200/month—ideal for those balancing student loans or credit card debt.

Extra Tip: Use Athens as a base to explore nearby islands via budget ferries.


9. Krakow, Poland – Europe’s Hidden Bargain

Why it’s EMI-friendly:
Krakow offers rich history, affordable dining, and cheaper attractions compared to Western Europe.

Cost Snapshot:

  • Flights from US: $500–$750
  • Accommodation: $20–$45/night
  • Daily expenses: $25–$40/day

EMI Fit:
A $900 trip split over 9 months = $100/month—light on the wallet.

Extra Tip: Walking tours are often free or tip-based, saving even more.


10. Cape Town, South Africa – Adventure for Less

Why it’s EMI-friendly:
While the flight is longer, your money stretches incredibly far once you arrive.

Cost Snapshot:

  • Flights from US: $700–$950
  • Accommodation: $25–$55/night
  • Daily expenses: $30–$45/day

EMI Fit:
A $1,500 trip over 10 months = $150/month—affordable given the long-haul nature of the trip.

Extra Tip: Combine free outdoor attractions like Table Mountain hikes with budget dining.


Why EMI-Friendly Travel Is Trending in 2025

  • Buy Now, Pay Later is booming: BNPL travel bookings rose 38–50% last year (CNBC), hitting $1B in Q4 2024.
  • Millennials & Gen Z embrace travel debt: 36% of Americans plan to take on debt for travel, with 47% of Gen Z and 42% of Millennials willing to do so (CNBC).
  • Interest-free installment demand is huge: 56% of Americans want to book flights this way, and 70% would book up to a year in advance (TravelDailyNews).

This trend isn’t about reckless spending—it’s about aligning travel dreams with financial realities.


Final Takeaway

Travel in 2025 doesn’t have to mean draining your savings. With EMI-friendly destinations and smart budgeting, you can explore the world while keeping monthly costs predictable and manageable. Whether it’s Lisbon’s cobblestone streets, Bali’s beaches, or Hanoi’s vibrant markets, the key is planning trips that fit your financial rhythm—so your next vacation won’t follow you home as a financial headache.

Expense Rule

The 6 Expenses That Quietly Eat Your Salary (And How to Take Control)

If you’ve ever wondered why your bank account feels lighter just days after payday, you’re not alone. Many people in the USA, UK, Australia, and beyond struggle with the same issue — hidden expenses that slowly drain your income without you even noticing.

The good news? You can cut expenses fast, keep more money in your pocket, and still enjoy life. In this guide, we’ll uncover six common expenses that quietly eat your salary and give you practical budget tips to take back control.


1. Unused Subscriptions and Memberships

From streaming platforms to gym memberships, many people keep paying for services they barely use. A $15 subscription here and a $20 membership there might not feel like much — but over 12 months, these small charges can cost you hundreds of dollars.

How to Take Control:

  • Audit Your Accounts: Once a month, review your bank and credit card statements for recurring charges.
  • Cancel or Pause: If you haven’t used a service in the last 30 days, cancel or pause it.
  • Use Bundles: Consider family or multi-service bundles to reduce costs.

Example Savings:
Cutting three $15/month subscriptions = $540 saved per year.


2. Frequent Dining Out

Eating out occasionally is fine, but regular takeaways, lunches at work, and coffee runs add up fast. A $12 lunch three times a week means over $1,800 a year spent on just midday meals.

How to Take Control:

  • Meal Prep: Cook meals at home in bulk — not only is it cheaper, but it’s also healthier.
  • Coffee at Home: Swap your daily $5 latte for a home-brewed cup.
  • Limit Eating Out: Save restaurants for special occasions.

Quick Tip: If you love dining out, set a monthly “fun food” budget and stick to it.


3. Impulse Online Shopping

Thanks to one-click checkout and endless sales notifications, it’s easy to overspend online. Many buyers regret these purchases, and often, items end up unused.

How to Take Control:

  • Unsubscribe from Promotional Emails: Reduce temptation.
  • The 24-Hour Rule: Wait a day before making a non-essential purchase.
  • Create a Wish List: Keep items in a cart for a month before deciding.

Example Savings: Avoiding just one $50 impulse buy per month saves $600 annually.


4. Luxury Upgrades You Don’t Need

We all enjoy treating ourselves, but upgrading gadgets, clothes, or cars too often eats away at savings. This is known as lifestyle creep — when spending rises as your salary grows.

How to Take Control:

  • Set Upgrade Intervals: For example, upgrade your phone every 3 years, not every year.
  • Buy Pre-Owned or Refurbished: Often just as good, at a fraction of the cost.
  • Prioritize Function Over Status: Choose items based on need, not brand hype.

5. Paying Full Price for Everything

If you’re not hunting for deals, using coupons, or shopping sales, you’re leaving money on the table. Many people overspend simply because they don’t compare prices.

How to Take Control:

  • Use Price-Comparison Apps: Tools like Honey or CamelCamelCamel help find discounts.
  • Shop Off-Season: Buy clothes and travel tickets during clearance periods.
  • Loyalty Programs: Join store rewards programs for cashback or points.

Quick Tip: Always search “discount code” before buying online.


6. High Bank Fees and Interest Charges

Bank account maintenance fees, ATM withdrawal charges, and credit card interest can drain your salary without you noticing.

How to Take Control:

  • Switch to Low-Fee Accounts: Many banks offer no-fee options.
  • Pay Credit Cards in Full: Avoid high interest by clearing your balance monthly.
  • Avoid International ATM Fees: Use bank-approved networks or digital wallets.

Example Savings: Paying off a $1,000 credit card balance that charges 20% APR can save you over $200 a year in interest.


Step-by-Step Checklist: Cut Expenses Fast

  1. Track Every Expense for 30 days.
  2. Highlight Non-Essentials you can reduce or cut.
  3. Cancel or Downgrade Subscriptions you rarely use.
  4. Set Weekly Spending Limits for dining and entertainment.
  5. Use Cash for Discretionary Spending to avoid overspending.
  6. Review and Repeat Monthly — small changes add up.

Budget Template to Keep You on Track

CategoryMonthly LimitActual SpentDifference
Housing & Bills$1,200$1,180+$20
Food & Dining$400$350+$50
Transportation$250$220+$30
Subscriptions$50$30+$20
Savings & Goals$500$500$0
Total Savings$120

Final Thoughts

The path to personal financial growth isn’t about cutting all joy from your life — it’s about identifying and controlling the expenses that offer little value in return. By taking charge of the six common expenses that quietly eat your salary, you can save from your salary, reduce financial stress, and put more toward your future goals.

Small, consistent changes compound into big results. Start with one or two areas this month, and by the end of the year, you might be surprised at how much more you’ve saved.


Cheap Travel

10 Ways to Travel on the Cheap – Ball Out, Not Blow Out

Picture this: Sara, clutching her ticket like it’s a golden Wonka bar, grinning so wide you’d think she just won the lottery. She used to think traveling was just for kids, not regular folks. Fast forward—she’s about to jet off through Asia for a week, and her bank account isn’t crying. Her secret weapon? A stash of sneaky, budget travel moves that make every dollar stretch like yoga pants after Thanksgiving.

If you’ve sat there, scrolling travel pics, thinking, “Guess I gotta sell a kidney to go anywhere cool,” nah. Here’s the low-down: 10 legit ways to wander the world without torching your savings.

  1. Travel During OFF PEAK

Dodge the Tourist Stampede Want to pay double for everything and stand in line for hours? No? Then skip the peak seasons. Ditch the school holidays and big festivals. Prices drop, crowds disappear, and you might actually hear yourself think.

  1. Use Budget Airlines And Compare Prices

Get Cozy with Budget Airlines (and Stalk Flight Deals) Those fancy airlines? Overrated. Hunt down the budget ones. Skyscanner, Google Flights—use them, abuse them. Be chill about your dates. Flexibility = major deals.

  1. Stay At Hostels Instead Of Hotels

Hostels > Hotels, Don’t @ Me Why shell out for a hotel when you can crash at hostels or guesthouses? Cheaper, usually more fun, and you’ll meet other broke adventurers with top-tier travel hacks.

  1. Use Public Transport To Get Around

Public Transit is the Move. Cabs are for the rich and the reckless. Trains, buses, metros—these are the real MVPs. Download the local transport app, pretend you’re a local, and save a chunk of change.

  1. Eat At The Right Place

Eat Like a Local (Not Like a Tourist) Those places with English menus and plastic food displays? Tourist traps. Hit up street vendors, hole-in-the-wall cafés, and markets. The food slaps and your wallet will thank you.

  1. Pack Your Bags With Brains Instead Of Hands 

Pack Light or Get Fleeced. Airlines love to hit you with those sneaky baggage fees. Pack just enough to fit in a carry-on. Nobody judges you for re-wearing outfits. (Honestly, they probably don’t even notice.)

  1. Visit Free Tourist Attractions

Free Stuff is Everywhere (Seriously) Museums, parks, festivals, free walking tours—cities are loaded with free things to do. Might as well soak it all up, right?

  1. Use Or Collect The Offers or Points to Travel

Milk Those Rewards & Cashback Points Get a travel rewards card. Collect those points like you’re playing Pokémon. Cash them in for flights, hotels, or whatever makes your trip cheaper.

  1. Book Activities In Advance

Book Online, Laugh at the Suckers in Line Booking tours or tickets online? Usually cheaper, sometimes way cheaper. Plus, you get to skip the lines and feel like a VIP.

  1. Get to Know The Locals

Befriend Locals, Get the Real Scoop Locals know where the good stuff is—the secret noodle spot, the bar with cheap drinks, the weird museum nobody knows about. Chat them up and you’ll see a side of the city the guidebooks totally miss.

Sara proved you don’t need stacks of cash to have a killer trip. She was chilling on Bali’s beaches, poking around old temples, living it up—all for way less than you’d guess.

Traveling cheap isn’t about suffering or missing out. It’s about outsmarting the system. The world’s not just for the rich. It’s all yours—go get it.

So, seriously… where you flying to next?

Money & EMI

Once, on the 28th of a tight month, I held an EMI reminder in one hand and a takeout receipt in the other. My salary felt smaller by the minute, not because I earned less, but because I hadn’t noticed my small habits adding up. If you’re looking for tips online while managing high monthly EMIs, this short, practical guide is for you. Small choices today create breathing room tomorrow.

1. Track Every Expense (even the small coffee) 

Write down every payment for one month: EMIs, groceries, snacks, subscriptions. Tracking reveals where your money leaks away; that daily café latte adds up. Recent surveys show that salaried individuals in India often spend over a third of their income on EMIs, making tracking essential to identify where you can cut back. 

2. Prioritize and Rework Your Debt  

List your loans by interest rate and outstanding balance. Talk to lenders about restructuring or consolidating to lower your monthly payments. Many consolidation programs claim you can save 20-25% on your EMI burden if you qualify. Always read the terms before making a switch.

3. Start Cooking at Home (big savings, small effort)  

Eating out or ordering food is convenient but expensive. The average home-cooked meal costs about $4-5, while dining out often costs over $16-20. Cooking at home a few times a week can free up a large part of your monthly budget. Meal prep on weekends and reuse ingredients to maximize your savings.

4. Build a Lean Monthly Budget (EMI-first rule)  

Use a simple rule: allocate fixed EMIs first, then essentials, then savings, and finally your wants. Cut or pause non-essentials like streaming services or unused subscriptions. Put those small savings towards an emergency fund; this will help you avoid taking on new high-interest debt later. You can adapt budget frameworks like 50/30/20 to keep EMIs manageable within your needs.

5. Add a Small Side Income or Sell Unused Stuff  

Even a modest side hustle or freelance job can cover one or two EMIs. Selling things you no longer use can give a quick boost to your emergency fund or let you make extra payments on your loans.

Conclusion  

Managing expenses while dealing with heavy EMIs isn’t about harsh deprivation. It’s about making smart choices: track carefully, reduce your interest burden, cook more, budget wisely, and find small ways to earn extra income. Each small step helps create space to breathe; delaying only makes things tougher. Will you make the first change today?

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