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Budgeting Tips for a Frugal, Yet Comfy, Life

28. May 2015

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Budget, budget, budget. Scrimp and save and realize your dreams. Think about experiences versus things and you could live a richer life. A rich life is different from being rich in a monetary way. We all want to be comfortable, but we don’t need to go overboard. Money doesn’t solve everything, even if it usually […]

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Helping Your Child Prepare for a Successful Financial Life

24. May 2015

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Many of us grew up without anyone teaching us about budgeting. Perhaps parents didn’t have time, or thought there would be time later or even that school was teaching this sort of thing. The sad fact is, not everyone receives a detailed budgeting education. Enrolling your child for any available household budgeting classes is a […]

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Living Within Your Means

10. May 2015

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Sounds easy, right? But there’s always a way to spend the money you make, and it’s easy to just keep spending more as you make more. Credit cards don’t always help the situation, either.  Remember that buying something on credit is still like taking a loan, especially if you don’t pay it off in full […]

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Necessities vs. Desires

2. May 2015

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Food, clothing, and shelter are pretty basic needs. Humans need these to survive. Most of us are not at the point where this is all we desire in our lives, however. It’s hard to separate necessity and desire for everyone from time to time. And a little splurge now and again won’t be the undoing […]

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Recovering Financially After a Divorce, Long Illness, or Unexpected Job Loss

29. April 2015

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So the worst has happened:  you’ve gotten divorced, become really ill or lost your job. Or a combination of the three. What can you do? Of course, your next step depends on the extent of financial ruin you are facing. But it also may be mitigated by the amount of planning ahead you’ve done. None […]

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Don’t Let Your Good Times Bankrupt You

20. April 2015

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We all like to have a good time. That’s the spice of life. You want to enjoy your family and friends doing things you like together. BUT, this can be costly. A fun vacation is a great way to connect. You just have to make sure you don’t go bankrupt having a once in a […]

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Saving Up for Summer Vacation

17. April 2015

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Traveling is fun, whether you go near or far. Summer is often a big time for a fun vacation. However, an elaborate summer vacation can set your finances way back, especially when coupled with summer camp and other getaways and travel you might do throughout the year. It’s hard to budget for all the fun […]

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Planning and Saving Up for Summer Camp

5. April 2015

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School’s Almost Out! Great news for kids, but not always for parents. Summer camp is EXPENSIVE! It’s very hard to find the right camp for your child that works well with your budget and work schedule. It’s not one-size-fits-all for kids. Some camps are only for certain ages or interests, or their offered schedule is […]

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Liability for Unauthorized Purchases on Your Credit Card

26. March 2015

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You’ve found a fraudulent charge on your credit card. Now what do you do? The FCBA, Fair Credit Bill Act, can often help you. According to FTC.gov, this law “applies to “open end” credit accounts (credit cards) and revolving charge accounts, i.e., department store accounts. It doesn’t cover installment contracts — loans or extensions of […]

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