What You Need To Know About A Sinking Fund

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We all have something special we’d like to buy for our home or in life. That old couch that has seen better days in your living room begging for a replacement or a vacation you thought about for a long … Read More

9 Ways To Avoid Lifestyle Inflation With A Savings Plan

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Lifestyle inflation happens when our income rises, we increase our spending. Like a balloon that gets larger, we tend to spend our expanding pocketful of extra dollars. When we get our first job after college, we begin to earn money, … Read More

The Pros And Cons of Credit Cards

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“Once you get into debt, it’s hell to get out. Don’t let credit card debt carry over. You can’t get ahead paying eighteen percent.” Charlie Munger, Vice-Chairman, Berkshire Hathaway   For me, credit cards have always been a double-edged sword, … Read More

6 Ways To Raise Your Credit Score

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Our financial lives depend on our creditworthiness. When we go for a loan, lenders review our credit report and our FICO credit scores to determine our annual percentage rate (APR). Generally, the higher our score on a 300-850 score, the … Read More

Being Frugal When Saving Time And Money

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“Price is what you pay; value is what you get.” Warren Buffett I bristled when they called me a cheapskate when I was a young kid. It cast a dark shadow over me. We lived in a modest neighborhood in … Read More

Ten Commandments of Personal Finance

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We revisit ancient views of money on the ten commandments of personal finance from timeworn texts and stories. Surveying these words adds a different perspective on finances whether you are celebrating the upcoming holidays or not. There is a common … Read More

How Do You Measure Your Financial Success?

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  I wanna be a billionaire so f**king bad Buy all of the things I never had Uh, I wanna be on the cover of Forbes magazine Smiling next to Oprah and the Queen. Billionaire, Lyrics By Travie McCoy   … Read More

Credit Card Alternatives Have Benefits

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Do you really need a credit card? Most people believe so. I have had a love-hate relationship with credit cards, admittedly using cash and alternatives more often than most people I know. Credit cards can be a valuable tool, allowing … Read More

5 Budgeting Methods To Boost Financial Discipline

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I have to admit that  I am hostile to the term, “Budget.” The word signifies limitations as if I will have to change my lifestyle. Before I prepared a budget, I felt anxious about doing one. Only one out of … Read More

How To Control Spending With A Simple Budget

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Have you wanted to manage your money better but didn’t know how to start? I know that I can do better for us, especially our kids, so they learn good habits. I know I am not alone. Ultimately, our goal … Read More

9 Ways To Avoid Financial Infidelity

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The US divorce rate among young people under 30 has been dropping to below 50% since the early 1990s. However, that may be deceiving. Millennial couples are marrying later and arming themselves with prenuptial agreements. According to a sociology professor … Read More