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FINANCE HACKS FOR THE REGULAR PERSON

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Too Much Savings?

Is it possible to have TOO MUCH in savings? Would it surprise you if I answered YES??? If you've accumulated an emergency fund of more...

Cash Envelopes

If you are someone that has a hard time sticking to your budget or constantly find yourself short before your next pay period, YOU may be...

Start Small, Think Big

For financial success, you need to start small and think big. If you're trying to reach a big goal, do you get overwhelmed with the...

When Should You Save for Retirement?

When should you begin saving for retirement? What is the magic age? It would be easy to say...start saving for your retirement as early...

Save Your Coins

Something that you can be doing everyday is saving your coins-literally. This applies to you and your children or family. Putting aside...

Wait 24 Hours

Before you make the decision to make a big purchase, use the 24-Hour Rule. Avoid purchasing expensive or unnecessary items on impulse...

Renter's Insurance

If you're renting, you may feel that you can't afford to add more additional cost to your monthly bill. That's especially true if you're...

Should You Dip into that 401K?

Before you dip into your retirement funds, make sure you consider the consequences of that choice. It can hurt you many times over and is...

Can You Afford that Home?

Just because you can "afford" a house, doesn't mean you should buy it. I remember the very first time I was looking for homes, the lender...

Beware of Impulse Buying

Have you ever told yourself that you “deserve to” buy something nice that you want? Do you rationalize that you’ve worked so hard and...

How to Know if it's a Good Deal?

How can you decide on whether you "should" purchase something or not?? The easiest answer is to evaluate your purchases by looking at the...

Track Your Net Worth

Make sure that you're tracking your net worth. Net worth is defined as the difference between your assets and debt. Basically, it's the...

I Never Got That Raise

You've heard (and maybe you've used) the excuse of..."if I made more money, then I'd save more." I'm about to call you out on that. ...

Credit Limits

To keep your financial health at optimal levels, you should strive to keep your credit use below 30% of your total available credit. It...

Should I Pay Off My Mortgage?

You have some extra money, so now what? What do you do with the extra money? Should you pay off your mortgage? Let's look at pros and...

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