Got Savings? How To Go From $0 To $2000 In One Year

How much are you saving? If this question makes you laugh and exclaim “Savings? I wish!”, or creates major waves of guilt and anxiety you are not alone. A Consumer Federation of America study in 2010 found that 69% of low-income households do not have a savings account. In addition, 54% of moderate income households…
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Income Tax Preparation: How To Choose Reputable Tax Preparers And Avoid Scams

It’s tax preparation time of year! And for those Americans who expect a refund, the tax season is heating up. But before you hurry out to get your taxes done, do your homework to make sure your tax “professional” is not out to scam you. Both the IRS and Better Business Bureau warn taxpayers against…
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Bankruptcy 101: The Good, The Bad, And The Ugly

There is a lot of confusion and apprehension about filing bankruptcy. Some people believe they will lose everything they own. Others think they can keep everything and still get rid of debt. The truth is, it all depends on your unique situation and the bankruptcy laws that apply to you. While I will write about…
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7 Money Smart Ways To Spend Your Tax Return

Tax time can be a nice time of year for many struggling homes. Playing catch up or getting ahead can be far more comforting in the long term than that flat screen TV. Whether you’re expecting $700 or $7000, spending your tax returns wisely can be a real difference maker for the rest of the…
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4 Budgeting Tips For Tipped Employees

Before and during college I worked in the service industry. I didn’t worry much about budgeting since I didn’t have kids or a car payment (I took the bus everywhere), and not much to worry about as long as my rent, electric, and phone bills were paid. I didn’t have to spend much on food…
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