How To Commute For Less

A few weeks ago I was trying to figure how to incorporate more exercise into my day. Due to some cost-saving measures my partner and I recently took, we put our gym membership on hold for the summer and I was having a hard time motivating myself to exercise at home. With a cold, wet…
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Does My Credit Score Really Matter If I Don’t Use Credit?

As a financial counselor who specializes in bankruptcy services, I often hear people exclaim they will NEVER use credit again once their bankruptcy filing is completed. They have grown accustomed to living on cash, and reject the notion of using credit since it ultimately led to financial crisis. These people may have overspent by using…
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Protecting Yourself From Identity Theft

Over 11.9 million Americans were victims of identity theft in 2011. That’s nearly 4 percent of the American population. That statistic clearly shows that you have greater odds of getting your identity stolen than winning the lottery. Scary, isn’t it? If identity theft doesn’t scare you, it should. Identity theft victims can suffer years with…
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Budgeting Basics: 3 Simple Steps For Everyone

One of the best tools for managing your money is to use a budget or spending plan that reflects your family’s true expenses. But how do you prepare a budget that is more than just a wish list, or merely estimates of what it costs your family to live each month? Let the trumpets sound…
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Defaulted Student Loans: A Borrower’s Worst Nightmare

The more I learn about student loans, the more I see them as a double-edged sword poised to either help you or beat you down. On the one hand, student loans can be an excellent tool for completing higher education to launch a career and expand your earning capacity. But they can also be a…
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