Raise your hand if you absolutely hate it when stores start putting out Christmas merchandise right after Labor Day weekend. I’m raising mine in between keystrokes. Stores put out Christmas merchandise extra early hoping you’ll start spending early and continue spending right until the end of the holiday season. I’m talking about Christmas because I’m […]

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Most of my friends are twenty-somethings working in corporate America with no real financial responsibilities – rent, utilities, car note. So they have quite a bit of disposable income. You know what they do with it? Spend it. To hang out with them, I’ve got to keep up the spending pace, or else! Once upon a […]

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One of the biggest money mistakes people make is spending more money than they have. In theory, it sounds impossible. If you only have a $100, how could you spend $200? Here’s how. How People Spend More Than They Have Dipping into savings or investments. Borrowing. Using credit. You can spend like this for a […]

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I’m always shocked when I go to friends’ houses and see their closets stuffed full of clothes and shoes that obviously haven’t been worn in quite some time. My closet doesn’t look like that and it’s not because I don’t shop for clothes. It’s because I get rid of mine. Two or three times a […]

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The first time I had  a job that paid monthly, I thought I would be broke. I didn’t know how I would manage one paycheck the entire month. Surely, I’d spend all the month by the 10th and spend the rest of the month broke. It turned out to be the best thing that ever happened to me. I would […]

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Most people don’t budget because they think it’s too hard. Let’s just say it is hard (which it isn’t), wouldn’t it be worth it if it means you’re living within your means and not stressing out about money every day/week/month all the time? I’m going to give you a short, simple budgeting method you can use.  […]

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Payday loans are the absolute worst type of loan you can take out.  It’s not just because the loan itself – though triple digit interest rates has a lot to do with it.  It’s also because of the situation that breeds the need for these loans. You don’t have savings or credit card (otherwise, you […]

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