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Hold Onto Your Money

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Having trouble keeping your money in your pockets? Some of us run out of money too fast. When you’re living paycheck to paycheck, it can be extremely hard to get yourself in a good spot, but it’s possible. If you start to make few changes to your daily spending habits, you’ll start to have more money in your pockets. Start to realize your worth hourly. Quit the impulse purchases. Every time you want to buy something, think to yourself “How much time would I need to work to pay for this?” Change habits to once in a while. Instead of getting a coffee everyday, maybe visit Starbucks once or twice a week, the rest of the week brew coffee at home. You still get to enjoy it just every once in a while rather than all the time. It will hurt your pockets less. Time off doesn’t get you paid. If you are offered overtime, take it. Think about it, you are probably just going to go home and sit on the couch for the evening anyway. Don’t lose potential money. You may have missed opportunities in the past, but don’t disregard future opportunities that you still have the chance to take…

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HUSTLE

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Does money stress you out?  Does money make you feel bad about yourself?  Trying to make money does’t always have to be stressful, you can embrace it and turn it into a positive challenge. Make it a game, it doesn’t have to feel like a burden. Challenge yourself and strive to become better mentally and financially. Money isn’t personal and it has nothing to do with your self-worth, remember that. If you have hit a spot in your life where you feel like you have hit the bottom financially, then take this time to move into transition and make it a priority to fix your position financially. Take care of #1, yourself! Organize and clean up your environment Eliminate any negativity in your life Quit wasting time, use your time wisely and be productive Follow up on any money owed to you Stay away from commitments Set a small goal and a plan to make money Make time to just focus on making money Create a support system for yourself Brainstorm Focus and get specific Connect In the moment it feels like a mean and vicious cycle. It is one of those times in life where you most likely have…

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Strategies to Save

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Is saving money hard for you?  Do you get in the way of your own money?  For some of us, the biggest obstacle to saving money each month is ourselves. If this is part of the reason why you can’t seem to save any money, think of ideas that create barriers between you and easy access to your money. Keep your money safe from yourself.  Remove access to your savings account from your bank card and online banking. If you have to go into the bank to get the money out, you will be far less likely to spend it. If you live with a partner, and your partner is better at saving than you are, maybe give them control of your savings. This will make it harder for you to spend your money. Invest your money in an investment or with a company that you have to contact and request a withdrawal from. It is usually not a fast process, may take a few days. This will give you more time to sit with the thought about your decision to spend the money. Maybe by the time you get the money, you will decide that you shouldn’t spend the money,…

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Avoiding Bad Credit

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  Your credit report keeps track of how you’ve paid your debts in the past. It is a record of your current debt amount, and how much debt you have already paid off.  Keeping strong credit is important and it can help you in a number of ways. It will help you with future loan and mortgage deals, it will be easier for you to receive credit, and sometimes you can get better rates on other things in life. It is always good to know the status of your credit and check your credit report once a year to make sure it is correct. You will keep good credit by paying your bills on time. You also need a credit card to build your credit, but you must use this credit card wisely. Do you know your credit score? Do you have good or bad credit?  Try and stick to 1 or 2 credit cards Think about getting a secured card first if you have never taken out a line of credit before. Keep track just like you would for your bank account Try not to put big item purchases on your credit card Pay your credit card bill as soon…

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Money Dreams

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Are you financially strong? Do you practice good financials? Do you have a financial Dream? Do you set financial goals? Most Americans who are financially independent started off with nothing, but they practiced good personal finance habits, learned how to save money, and improved their money management skills where needed. This brought them success and opportunity to grow in their life and community. You can do anything you put your mind to as long as you are working towards that goal and don’t give up. Develop a long term financial objective. Start to think about where you want to be in five to ten years, create a new perspective for yourself and your future financially. You will need to start living on a very tight budget, as in live on less than what you make, even if you have debt. Once you start looking at your financial position in “long-run” terms it will start to positively influence your habits and management with your money. Reflect on what you are trying to achieve and recognize the obstacles that are interfering with your success. Search for and find out what is holding you back. Dream Big and project forward. Think about what you want and…

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Extra Summer Cash

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Earn Extra Money During the Summer Months Do you need some extra cash? Do you need to pay off some debt? Do you want to add a little extra to your savings?  Who doesn’t like to make extra cash in their pocket? There are lots of reasons why you might want to be making extra money. Maybe you need to pay off some debt or stacked up bills, saving up to buy something new like a house or a car, or even no reason at all. Summer months are approaching and the weather is going to start warming up, this is a great time to start thinking of ways to make extra money for yourself. Extra money is always nice. You should always be looking for a way to make an extra buck, seeking money making opportunities for extra income is a great way to stay on top of things and ahead of your finances. There are lots of different opportunities out there that will allow us to make money whether they are quick or not, they can help us to expand our budget a little or add a little more to our savings. House-sitting Dog walking Yard work Lifeguard Golf caddie Yard sale…

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Paycheck to Paycheck

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Do you live paycheck to paycheck? Are you in debt? Do you want to live a happier financial life? Living Paycheck-to-paycheck is when you are always waiting for your next paycheck. You need your paycheck before you can make basic financial moves such as paying bills, buying food or even doing something fun. It is not a good spot to be in for many reasons. It makes us dependent on our current job. If there were an emergency you put yourself in a bad spot. You can’t plan for things for your future, no matter what they might be. Here are some tips to the paycheck to paycheck lifestyle: Realize the problem You’re not alone, research how other people became financially stable Start getting ahead rather than falling behind Stay away from shopping for fun Find your sweet spot between savings and fun Don’t use your account balance as permission to spend Avoid late fees! They rack up, pay your bills right when they come in Avoid your credit cards, only use for emergencies and specific purchases Ask for help or find someone who can be there to give advice Be your own handy man! Try doing things yourself, rather…

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Cutting Costs

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Are you financially stable? Are you satisfied with your financial state? Do you have a financial strategy? Everyone has moments when they feel a few dollars short of comfort at times, but more money doesn’t always solve financial difficulties. Establishing and practicing strong money management skills can help you use the money you have today to live the life you want. You will also learn how to handle money that you come into in life wether it be from a good job or inheritance. It is important to always have a plan for your money. Being prepared with your money will help you to spend your money wisely. Find a reason not to spend on things that don’t matter, keep a goal that is more important Take notes and keep track Make saving a habit, stop thinking how much just make it a routine Create a spending plan, it helps with your bills Cut back, if you can’t completely get rid of an expense Your payments should not outlive your purchase Saving money is hard, but there is always room to learn. Consistently saving your money and planning your personal finances will help you get to a good spot with your…

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Financial Awareness

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Do you have good money habits? Do you have financial stability? Do you know how to invest? Are you aware of your financial situation? Forming positive money habits and a good financial routine is an important part of creating financial stability. It is important to understand finances early on and start paying attention to your money earlier in life. We want to avoid continuing the long line of financial struggle including the tough and competitive job market. Investments and student loans have become challenges rather than ways to help us better our financial state. Commitment, discipline and responsibility is important in order to achieve financial independence these days. We know that most of us want to save money, but it is a difficult process due to the pressures of living expenses. Lets take initiative take our finances to the next level: Don’t take out a credit card Up your Savings whenever you can Be comfortable with investing Prioritize Pay off debt Think about your future Stick up for yourself and take initiative in the work place Have open conversations about money with your elders Prepare Keep things simple Keep advancing The best way to stop feeling like you are living on a…

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Financial Skills

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Do you lack basic personal financial skills? Do you understand your finances? Do you need help making sure you are following the right path with your money? Are you comfortable with how you handle your finances? We can always benefit from skills and tools that lead us towards healthy financial practices. We should be building strong and stable money management skills that help us control our finances. It is important to learn as much as you can when it comes to your money. We want to become financially savvy and build a good credit history that can help us in our future. Be stingy with your money. Every penny counts. Those small stops like fast food and a coffee in the morning, they add up! You go from $20 a day to $400 a month. These stops are expensive and will hurt your bank account.  Keep a good credit score. Good credit can be the determining factor for different situations. For example, it make or break whether or not you get approved for a rental. Building positive credit early on can really help you in the future. Don’t maintain extra expenses. Subscription costs such as Pandora, Spotify, Netflix and Hulu…

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