Lots of people live by the procrastinator's creed: Why do today what you can put off until tomorrow?
You might even be one of them.
But while this practice seems innocuous enough, it's actually costing you an embarrassing amount of money. Here ...
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Take Control of Your Personal Finances with These Budgeting Tips
Many of us don't take our money seriously when we first start earning, which sometimes results in acquiring debt or a sub-par living standard. However, it is never too late to begin managing your money in a way that proves to be beneficial for you in ...
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US Credit Card Debt Surpasses $1 Trillion
Watch out, America. It's time to start thinking before you swipe your credit card.
According to a study from WalletHub, the total credit card debt of US consumers now exceeds $1 trillion. In fact, last year American consumers took out more than ...
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How a Broken Washing Machine Fixed My Finances
Readers: I received a message from a reader in the United Kingdom, which I found to be very inspiring. He graciously accepted my request to share his story with you. -- Len
Last November my washing machine died. Because I make decent money - the ...
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What’s the Fastest Way to Pay Down the Mortgage Early?
Vanilla or chocolate?
Credit or debit?
House Hunters or Property Brothers?
Some questions can be answered with relative ease by almost everyone.
On the other hand, when it comes to paying down mortgages early, a much more perplexing ...
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Can You Consolidate Debt with a Personal Loan?
There are a few different ways to consolidate your debt, and one of those ways is by taking out a personal loan.
A personal loan can be a great way to get rid of high-interest credit card debt, but there are some things you need to know before you ...
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4 Great Budgeting Tips For Gen Z and Millennials
Shortly after ringing in the new year, many Millennials are already struggling to reach their financial resolutions. It's no wonder why; the average debt a typical millennial carries is $47,689, according to a Millennial Money Mindset report. The ...
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Why You Need to Organize Your Loan-Repayment Plan
Given the high cost of education for many US students, a student loan is the best chance for acquiring their degrees without too much financial pressure. But, when it eventually gets to paying it off, that's the moment most students are dreading.
In ...
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Cash Advances: 3 Things You Need to Know Before Getting One
Cash advances are very fast and easy to get, especially if you have a credit card. However, not all credit card issuers allow cash advances.
Some people think that getting a cash advance is just making a withdrawal from an ATM or a bank, but it's ...
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4 Kick-Ass Debt Lessons from the Karate Kid
Most of us have been bullied at one time or another as a kid. Perhaps you were called a name or harassed or even hit.
This near-universal experience may be one reason why the movie classic known as The Karate Kid resonated with both adults and ...
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4 Things You Should Know to Be Financially Literate
Financial literacy is the ability to understand and implement basic financial concepts. And since financial education is still working its way to the mainstream, often it's the responsibility of each individual to figure out what personal finance ...
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How to Pay Off Credit Card Debt Quickly (No Matter How Much You Owe)
The most common reader question I get is this one:
"How can I pay off my credit card debt as quickly as possible?"
I always pay my credit card balances in full at the end of every month. That being said, I know exactly how I'd handle it if I ever ...
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100 Words On: Why Many ‘Rich’ People Are Only Fooling Themselves
Pablo Picasso said, "I'd like to live as a poor man, with lots of money." Sage advice. That's because doing the exact opposite is a recipe that's guaranteed to eventually bring financial trouble to anybody brazen enough to try it. Still, that doesn't ...
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9 Smart Reasons to Get Aggressive With Your Debt Busting
When it comes to paying down your debt, there are hundreds of reasons to get aggressive. Some are unique to individuals and their particular financial circumstances, but most cross the boundaries of personal situations to find common ground among ...
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Want a Higher Credit Score? Here’s How to Get It
Do you wish your credit scores were higher? For the vast majority of working adults, the numerical scores reported by the three major bureaus have a massive impact on their lives.
Not only do your scores determine whether you can borrow, but they ...
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8 Financial Resolutions To Adopt This Year
There's genuinely no better way to kickstart the new year than with a few motivational resolutions. And while most of us have listed resolutions like getting fit, eating healthier, and other common goals, deciding to make a few financial resolutions ...
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The Debt Business and How to Avoid Being an Economic-System Casualty
Does "the man" profit from you being in debt? The short answer: yes.
There absolutely is money to be made by keeping people in debt. Think about it: You're granted a credit card with a $1500 limit and an interest rate of 17% (which sounds high ...
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100 Words On: Why Not All Debt is a Four-Letter Word
Not all debt is bad. Debt is generally okay whenever it is used to buy something that may increase in value. For example, going into debt can make perfect sense when you're trying to start a business, or expand an existing one. Very few people can ...
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These 4 Financial New Year’s Resolutions Are Actually Sustainable
One of the things that sets the human race apart from other species is our ability to learn by looking back at the past. But by this logic, New Year's resolutions should have long ceased to exist. After all, most people make enthusiastic New Year's ...
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What You Should Really Know About Credit Cards
Rifling through your wallet, you're likely to find an array of cards you might use for spending on certain products. Your main debit card is likely to be for regular shopping, such as for groceries, rent and utility bills. As for more peripheral ...
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