Spending money is a fact of life. You need to spend money to pay for the essentials, like food, clothing, and a roof over your head. So it’s good to know that a budget can help you manage those expenses and keep your spending in check. To avoid impulse purchases and other temptations, try to...
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Learning how to live on your own can be an exciting time in your life, but it’s also a big and costly transition. One of the first and most important decisions you’ll need to make involves finding a place to live that fits your budget. Because this is typically your largest expense, it raises the...
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Credit card debt can be daunting. Like any mounting debt, it comes with concerns about how it may be affecting your credit rating. Knowing how to do a balance transfer could be an efficient way to help pay down debt – and improve your credit. Moving your balance from a high-interest credit card to a...
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Now more than ever it’s difficult to navigate life without a solid credit history. From applying for a loan to renting an apartment, good credit is a must. If you’re just starting out and lack any form of credit history – or the information on your credit report is mostly negative – the following are...
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Strolling around the local farmers market on a Saturday morning is a popular pastime, and if you grow, bake, craft, or create things as a hobby, you may have wondered if you might sell your goods and produce there. Farmers markets are growing in popularity, so it’s no surprise that gardeners, bakers, artists, and other...
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Any sudden, unplanned decision to purchase a product or service is considered to be impulse buying. These spur-of-the-moment purchases can be big or small, but they are never planned. If you’re standing in line at the supermarket checkout and suddenly decide to purchase a candy bar, that’s an impulse purchase. But the same can be...
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When thinking about starting a business, you may also consider where . Big cities, home to a range of fast-growing industries and a diverse, talented workforce, would seem ideal for launching a business. But business owners scouting out potential cities should look beyond just New York City and Los Angeles. While lacking the flashiness of...
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Going from renting an apartment to owning a home is a big step that can impact your finances and your lifestyle. It’s important to understand the pros and cons before making a decision, and you’ll also have to weigh your needs. You may want more room and autonomy over your living space. Or you may...
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When you’re starting a new business, you’ll have to choose the type of business structure that’s right for it. Knowing the differences between the types of structures and what each one has to offer can help you choose the right business entity — a decision that’ll affect your taxes, income and legal liability.[1] When making...
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Paperwork. It’s not the most exciting part of life, but putting a little work in up front to keep important documents organized and accessible can save a lot of hassle when you need to access them. But how long do you really need to keep documents? This guide will explain how long to keep your...
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When you launch a new business, it’s important to take all the right steps to make sure the state and federal government recognize your company. One of those steps is registering your business name. Knowing how to register a business name properly is important because it protects your name and identity. There are different ways...
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The internet continues to create new opportunities for savvy entrepreneurs, particularly when it comes to starting an online business. The costs have the potential to be smaller compared to brick-and-mortar organizations, and the audience that your products or services can reach is vast. While opening an online business has its advantages — working for yourself,...
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The best bargain shoppers know that timing is everything. Different products follow different cycles of pricing, depending on everything from holidays to weather to annual trade shows. Check out our month-by-month suggestions for the best deals and steals.
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When you sell your home, carving off a piece of that big check and handing it over to a real estate agent is an unpleasant moment. It’s hard to resist wondering whether you could have sold your home yourself and kept the agent’s commission. There is an alternative that lets you DIY – For Sale...
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Looking for a perfect family getaway at a budget-friendly price? You do have options beyond the staycation or the grandparents’ house for a getaway. With a little creativity and planning, you can cut vacation costs without missing out on any of the fun. Here’s some ideas for planning a family vacation on a budget. 1. Signup...
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