7 Financial Moves You Can't Miss

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Throughout our lives, we have to make certain financial decisions to ensure our current and future stability. It’s hard to plan for every single thing that happens in life, but you can make a few great decisions that cover the major bases. Here are seven financial moves you can’t afford to miss. Having a steady source of income. Having a job or some other source of income is a basic requirement of being an adult....
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Why You Should Never Use In-Store Financing for Furniture

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Ever noticed how your local furniture store always seems to have some kind of zero down, zero percent interest financing deal going on? When you're on the market for a new set of furniture, you might recall the most recent deal as you consider how you're going to pay for the furniture. Here's why you should always skip in-store financing, no matter how great the promotional offer seems. They're only deferring interest. The zero interest...
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What to Do After You Pay Your Car Loan

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After what seems like an eternity of car loan payments, you’ve finally mailed off the last payment on your loan. Now you fully own your car and you’re free of payments, what should you do next? Store your title away safely . In some states, the motor vehicle department will automatically mail a title to you once the lender has notified them of the lien release. In other states, you may have to actually go...
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Are You Overspending on These Office Supplies?

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As a small business owner or office manager, there may come a time when you need to take a hard look at your spending. Did you know that approximately two-thirds of Americans don’t budget? While this number may or may not be as high in regards to small business, nothing changes the fact that you need to pay close attention to every last dollar you spend. This leads us to an important question: are you...
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Should You Start Holiday Shopping Today?

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Even though we are several months away from the holiday season, it will be here before you know it. While some people enjoy waiting until the last minute to shop for gifts, others realize the benefits of getting an early start. Would it be crazy to start your holiday shopping today? Rather than shoot down this idea, here are a few reasons why it makes sense: •    Not buying everything at the same time. When...
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What’s the Best Way to Pay for a Personal Emergency?

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There is nothing more stressful than facing a personal emergency that has the potential to negatively impact your finances. From a serious illness to a major car repair, you never know what you will face in the future. This is why you need to be prepared for anything that could come your way. Although everyone is facing a different set of circumstances, here are some of the best ways to pay for a personal emergency:...
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5 Shopping Mistakes That Can Cost Big Time

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Even though shopping is a necessary part of life, it’s still important to steer clear the mistakes that will hurt our wallets. Watch out especially for these five shopping mistakes  Not shopping around. Never take for granted that the price you see posted is the price you have to pay, especially for big ticket items. Never underestimate the value of checking around for different prices. Even if you don't spot a better deal at least you...
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3 Steps to Keeping Irregular Expenses From Wrecking Your Budget

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Budgeting for expenses that come every month is tough enough. Working in those irregular expenses that come only a few times a year can be even tougher. Property taxes, car tag renewal fees, annual insurance premiums, and holiday spending are a few examples of expenses that don’t come around that often. But if you’re not prepared for them, these irregular expenses can wreck your budget. Here’s how you can keep that from happening.  Know your irregular...
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The Pitfalls of Borrowing From Family or Friends

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Are you considering a loan from a family member or friend? Are you familiar with the many ways this could benefit your finances? The advantages of this type of loan are well documented. In addition to a lack of paperwork, you may find somebody who is willing to loan you the money interest free. Does it get any better than that? While you may be attracted by the many benefits of borrowing from family or...
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3 Benefits of a Second Income Stream

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If the income from your job isn’t cutting it or you’re looking for way to get ahead financially, adding a second income stream may be a solution. A second income stream, it’s from a second job, a money-making hobby, or a side business, can benefit you in more ways than one. It’s easier to afford your living expenses. More than 50% of Americans are spending at or above their income on living expenses, reports CNN....
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