3 Steps to Stay Out of Debt

Credit card debt is a major problem. The average American household has $15,270 in credit card debt. The average interest rate for a credit card is 14.95%, but we know the range goes up as high as 30%. Ouch. But you made a debt reduction strategy, you challenged yourself, and you paid it all off or are really close to paying it off. Congratulations! Are you resolved to stay out…

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6 Steps to Improve Your Money

I was scrolling through Entrepreneur magazine and came across the article 6 Steps to Salvage an Unproductive Day, you can check out the original article to get those tips.  As I read through this article occurred to me that all the steps can also be applied to being productive with your finances. Read the six steps below to help you better manage your finances.   Step 1: Clear the clutter.…

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Impossible Made Possible

There are so many things that were thought to be impossible until someone did them. Humans would never visit the stars, then Yuri Gagarin went to space in 1961 and Neil Armstrong walked on the moon in 1969. Just this past September, Diana Nyad was the first person to swim from Cuba to Florida without a shark cage. It took five tries for the 64 year old to accomplish her…

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Successful vs Unsuccessful People

Your habits and mindset has a great influence on your success, success with finances and life. The above infographic has been circulating after MaryEllen Tribby posted it on WorkingMomsOnly.com. It goes through some great tips and habits that you should institute if you want to be successful and some that you should drop to avoid not reaching success (notice I didn’t say failure). There are definitely some key elements that…

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How to Save Money on Holiday Travel

Holiday season is the one of the busiest if not the busiest time of the year to travel. Of course, you’re spending money on tickets or renting a car and gas, but there are some other areas where you’re spending money as well. You could be spending more than you have need to spend. Check out how to save money on several different aspects of holiday travel .  1) Don’t…

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4 Tips to Combat Holiday Marketing and Save Money

As soon as October hits, marketing for the holidays starts. We are bombarded with commercials and ads for Halloween, Thanksgiving and Christmas. No matter what your religion or which holidays you celebrate or observe, the commercials and ads get you thinking of your upcoming holidays and traditions. The marketers and companies that have paid the marketers good money to create the campaigns are hoping to direct your thoughts and emotions…

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Is a Pet’s Affect on Your Money Worth It?

I recently read an article where the person was discussing the hidden costs of purchasing his new puppy. He talked about how he spent over $1,000 in two months on vet bills and pet supplies such as toys, food, a bed, crate etc. The moral was if you’re trying to save money or you’re in debt don’t get a pet because it won’t be cheap. I agree to an extent.…

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How to Save Money While Shopping. 8 Tricks for Hitting Sales.

America is the land of sales, there is always a store trying to entice you with discounted items. However, there are certain times of the year when big sales occur that everyone is waiting to enjoy. Labor Day is one of those times. You can see the signs posted days in advance and your email gets flooded with Labor Day sale promotions.  The stores know many people will be off…

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How to Save Money During Summer

1) Free outdoor movies and screenings. Many places show movies outside for free during summer. Look for outdoor film festivals in your area. Some college campuses and town or city alliances organize them. For example, in Baltimore an area called Little Italy holds the Little Italy Open Air Film Fest. Once a week for July and June, they show a movie for free outdoors.  Check the local news and newspapers…

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