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30 New Year’s Resolution Ideas to Make 2024 Healthier, Happier & More Secure

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To help ensure your success, let’s address a few tips on how to turn those New Year’s resolution ideas into reality in 2024 and beyond. Empower yourself to live debt-free by paying down high-interest debts such as credit cards. Improve your credit score. Reduce debt. Invest in an emergency fund. Learn about investing.

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Financial Literacy For Beginners: Steps To Financial Success

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Avoiding Debt: Including safeguards like an emergency fund—something financial literacy encourages—can prevent you from falling into debt when unplanned costs like medical emergencies, car breakdowns and home maintenance repairs arise. For example, the average credit card interest rate climbed to 21.51

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How To Negotiate With Debt Collectors: Tips For Reducing Your Debt

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The average American credit card balance rose to $7,236 in 2024. Build An Emergency Fund Save three to six months of living expenses to cover unexpected challenges like medical emergencies or job loss. Use Credit Responsibly Limit your credit usage to essential purchases.