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Defense before offense

When you're in a financial bind, you have two options: control your expenses or boost your income. One of those options must be made before the other.

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5 Surprising Benefits of Budgeting

People often think that budgeting has one purpose: to control your spending. However, there are many other powerful benefits that should convince you to start budgeting in 2024.

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Why spending $5 matters

Spending $5 doesn't sound like a big deal. And usually it isn't. But for someone living paycheck-to-paycheck or needing to save money, how you think about the $5 purchase can make all the difference.

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The Worst Time To Buy Something

When you sit back and reflect on when you've overpaid for something, it's easy to come to a single conclusion as to why.

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Creative Negotiating Tips for Homebuyers

In competitive housing markets, if you don't have the money to win, you need the best terms. With that being said, you need to negotiate with creativity to get the seller to choose you. But what does creative negotiating look like in practice? Let's explore some possibilities.

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How to buy a home in a tough market

If you’re looking to buy a home right now, you’ve learned that the traditional route of buying a home has been shattered. However, there are steps you can take to improve your chance of success.

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The Opioids of the Personal Finance World

Over the last couple of years, the financial services industry has been making it easier and easier to heal your financial pain through new or more accessible products and services. While the offerings seem great on the surface, they come with the very real possibility of killing your financial life.

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4 Things To Do With Your Raise or Bonus

If you're set to earn more money next year or if you received a year-end bonus, then a congratulations is in order! But instead of spending the extra money, why not use it to shore up your finances?

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Two strategies to save more money on your online purchases

With inflation eating our money alive and the holidays in full swing, I want to share two strategies that will help you save more money on your purchases. The same strategies helped me save $180 dollars on recent purchases.

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The Ratio That Impacts Your Ability To Buy A House

Lenders look at many different calculations when considering whether to give you a mortgage. One of them in particular is very important, and recent reports are showing that first-time homebuyers are struggling to meet lender guidelines.

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