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How Much to Spend on Every Item in Your Budget

If you’ve just begun to use a budget, you’re likely tracking your spending to see where your money is going each month. Are you going over budget? That much is easy to tell, but how do you know where you’re spending too much and where you might benefit by cutting…

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Credit or Debit?

It’s a common question at the checkout counter. Are you paying with credit or debit? Does it matter one way or the other? We’ll explain the difference and how to decide which card to use. You probably know that a debit card is attached to your bank account, meaning the…

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3 Tips for Raising a Frugal Child

It’s tricky enough to teach a child common life skills like brushing her teeth or making her bed. So how do you teach a child a skill that many adults haven’t even mastered—the skill of being frugal? It isn’t easy, and what works for one child might not work for…

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One Key Quality You Need to Reinvent Your Career

Years ago, it was standard for adults to set out on one career path and stick to it for the entire duration of their working lives. Those days have come and gone, though, and it’s highly uncommon to meet someone who hasn’t made a career change in some form or…

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Improving Your FICO Score

Fix Your Credit and Improve your FICO Score Unfortunately, there’s no quick fix to getting a better FICO score. Repairing your bad credit takes time and diligence. But if you follow these steps for several months, you’ll begin to see both your credit report and your FICO score improve. Monitor…

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3 Things You Might Not Know Are Hurting Your Credit

Understanding your credit can feel like doing calculus—confusing and over your head. Because of this, many people simply neglect it altogether, pretending it doesn’t exist. Unfortunately, this can have a major and lasting impact on your finances for the rest of your life. Did you know more than a quarter…

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Applying for a Mortgage Fix Your Credit Score First

Your mortgage is arguably the most important loan you will ever apply for. Your mortgage application can make a major difference not only in whether you’re able to buy a house period, but how much house you can afford. To qualify for a mortgage and get the best interest rate…

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11 Steps to Repair Your Credit

Need to rebuild your credit completely? Or maybe you just want to clean it up a bit? Here are 11 ideas to help you get back on the good credit wagon. Schedule a monthly check-up. Just like you need regular doctor’s visits to monitor your health, you need regular check-ups…

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How to Win Against Debt Collectors

Are you being hounded by collection agencies left and right? There’s a good chance they’re breaking the law. The law is very specific about what debt collection agencies can and cannot do, and today we’re going to talk about how to beat them at their own game. First, establish that…

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6 Ways You’re Hindering Your Credit Repair Efforts

Though the U.S. financial climate has improved significantly over the last few years, many individuals are still struggling to repair their damaged credit from the height of the great recession. It can take years to get your credit back on track after a few big screw-ups, and even longer than…

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