6 Steps To A Money Smart Start For 2014

The holidays are over now and for many people it’s time to face the reality that is credit card debt. The hard fact is that unless you have a 0% annual percentage rate (APR) or are paying your cards off in full each month, you’ll end up paying much more toward your credit cards than…
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Black Friday + Small Business Saturday + Cyber Monday= Totally Broke Tuesday!

Four Steps to Help you Avoid the Holiday Empty Wallet Syndrome. The Holidays are upon us. You know we are a materialist nation when our list of holidays includes shopping specific days, Black Friday, Small Business Saturday and Cyber Monday are all catchy names to make shopping and spending seem like you just can’t afford…
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10 Tips To Avoid Financial Chaos This Holiday Season

For many families, the holidays and overspending go hand in hand. If the holidays have created financial chaos in the past for your household, you may be wondering how to survive the holidays this year. With some thought and creativity, you can design a joyous season without racking up enormous credit card bills to spoil…
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Budgeting 101: To Spend Or Not To Spend, That Is The Question

Do you have an actual spending plan for those purchases that vary from day to day or do you just wing it? Many consumers will admit that they are totally unaware of when they are overspending and some don’t really see this as a problem. You might blindly swipe your debit card when you get…
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Nickel And Diming: 5 Easy Ways To Break The Habit

Have you ever pulled cash from the ATM, only to find your purse or wallet empty again by the end of the day? Well, I must have some shopping bags or something to show for it. Apparently not…what on earth did I do with that $20…$40…$100??? A pack of gum here, bottle of pop there,…
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