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4 Tips for Paying Off Your Debt While Building Wealth

October 20th 2016 by
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Let’s face it: most of us have debt. The PEW Charitable Trust reports about 80% of us do, and, sadly, most of us also believe debt is a necessity. While certain debt may be a necessity, such as a mortgage, ALL debt should be considered temporary. And there is still plenty you can do to build your wealth. Think you need to make the big bucks for this to be true? You don’t! The American Consumer Council put together a short video with financial planner Kim Curtis on how to pay off debt while building wealth: Here’s what to do:…

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Don’t Fall Victim to Impulse Buying

September 14th 2016 by
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Going shopping for what you need can often turn into buying what you want.  If your financial stability is not in line, impulse shopping can have detrimental effects on your finances.  Learn how to avoid impulse buying in order to lead you to better financial wellness. Stick to the List Make a list of what you are going to buy from the store and don’t buy anything that isn’t on the list.  A major reason for impulse buying is stress, so if you can, avoid going to the store when your stress levels are elevated (or, more elevated than normal). Rely…

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Are You Prepared for a Financial Hardship?

July 21st 2016 by
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If today you ran into a financial hardship, what would you do? According to a survey from the Federal Reserve Board, around 25% of households dealt with a financial crisis in the last year, with the top hardship experiences being: Job loss (37%) Health emergency (37%) Work hours/pay cuts (29%) No matter what income bracket a person falls into, people in each category have difficulty maintaining a financial safety cushion. Survey Findings The Federal Reserve Board conducted a “financial fragility” test in which people were asked how they would manage a small disruption in which they would need $400.  Here are the…

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Getting Out Of Credit Card Debt

March 9th 2016 by
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It seems as though most people are in some kind of debt.  Often times, it can be hard to get out of this debt but it is possible. Some signs of debt problems are more vious than others but generally include: choosing to pay only bills that you have the money to pay, maxing out credit cards and knowing it is damaging your credit score and using credit cards when you know you need to stop.  When attempting to get out of debt, making minimum payments is counterproductive as it will take you longer to pay off your debt. Borrowing…

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Lessons From Kanye West?

February 25th 2016 by
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In a time when many people are facing financial burdens, Kanye West is also feeling the pain. However, Kanye’s struggles can teach us valuable lessons about saving our money. After releasing his new album and releasing his new clothing line with shoes selling for $16,000, it is hard to believe that Kanye West is $53 million in debt. Many people are in the mindset that having money is good and not having money is bad and embarrassing. However, good debt does exist and can be beneficial in the long run. Taking out a loan can help you pay for your…

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