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Why You Need To Start Paying Yourself First

February 24th 2015 by
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The Pew Charitable Trusts recently released a report that found most families are just one setback away from financial disaster. What exactly does that mean? Families are only able to replace less than one month of their income through liquid savings. That’s a scary fact. All it takes is one illness or a car breakdown to create a need for a large amount of cash. Most financial emergencies will be out of your control. The only way to combat this problem is by paying yourself first and saving enough money to break this cycle. The Root of the Problem: Paycheck-to-Paycheck…

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5 Effective Ways to Stay Out of Debt

November 18th 2014 by
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Getting out of debt is one thing, staying out of debt in another. After you pay off that last bill, you should try to stay on the budget and lifestyle you were maintaining while paying off your debt. That extra money can now go to savings. So how do you do it? Follow these tips. 1. Don’t spend more than you earn You can never maintain a debt free lifestyle if you spend more than you earn. If we examine why and how people fall into debt, we will find that this is the root problem – people spend more…

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Weigh Pros and Cons Before Taking a Second Job

September 21st 2012 by
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If you want an extra job, consider trying your hand at another profession, one that enables you to garner new skills. By diversifying your professional skills you make yourself more attractive to employers and you also build personal confidence. You may also wish to find a job that offers secondary benefits, like the opportunity to make new friends or network. Be realistic about the time involved in a second job, and consider the impact it might have on family and pets. Think about any hobbies that you may have to forgo, and what else you may have to reshuffle in order to meet all of your obligations. If you think you need a second job, but have reservations, be sure to consider all options before making your decision. If you’re trying to pay off credit card debt, think about how you might accomplish this with the income you have now.…

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Get Out of Debt One Step at a Time

May 10th 2012 by
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Debt can feel like a load of bricks on your chest, slowly crushing you. You can’t throw it off in one big shove—you’ve got to dismantle it brick by brick. Take these steps to reduce your debt burden, and start breathing easily again: Figure out where you stand. Debt can seem overwhelming unless you cut it down to size. Make a list or spreadsheet of your creditors, and note how much you owe each one. You’ll find it easier to deal with smaller sums of money one at a time. Set some priorities. Identify which debts need to be paid off, or at least paid down, first. Pay attention to debts with the highest interest rate—they’ll cost you more in the long run if you delay taking care of them. Cut back on spending. Select one spending item, such as buying new clothes or eating in restaurants, and eliminate it…

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15 Spending Tips

April 27th 2012 by
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“Practically everyone loves to spend money, but getting something of lasting value is another matter,” says the nonprofit Institute of Consumer Financial Education (ICFE), a San Diego based group.” Millions of Americans, young and old, routinely take on expensive, short-term credit card debt in order to purchase goods and services that they otherwise normally cannot afford. Most American consumers are wasting 20 to 30 percent of their money just because of poor spending habits, such as not taking the time to comparison shop. It is not just credit-based spending decisions that get people into trouble. Some people, who have either exhausted their credit or ruined their credit rating, have no trouble overspending at all. Many people will also have great difficulty determining on what their money was spent. Remember, an overspender is not just an individual who spends more than they earn; an overspender is also an individual who pays…

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