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3 Ways to Avoid Overspending During the Holidays

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In the early years of our marriage, the holidays used to throw a wrench in our financial plans. Once the holiday-themed marketing campaigns started, we would be bombarded with messages that we needed more stuff and the fact that we already had one didn’t matter. And then November would roll around. Start with a Percentage.

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Don’t Let Shame Around Money Rule Your Life: How to Heal It

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For instance, if you set a holiday budget and then went way over that, you might feel guilty and start looking for ways to cut back in other areas. Overspending: Thinking that you’re so deep in debt that what’s one more charge on the credit card or one more night out, so you just keep digging yourself a deeper and deeper hole.

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How to Experience Luxury in Everyday Life

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Many of the luxury services available today use a subscription method where you pay a small monthly fee that is applied to any purchase you make that month. Set aside the rewards you get from your cash back or points credit cards and use them to fund a special treat now and then. Create your own subscription plan. Be flexible.

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8 Pieces of Financial Advice for New College Graduates

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You may not be able to escape using a credit card for some unexpected expenses, especially if you’re just starting a new job and haven’t had time to build your savings. If you are paying back credit card debt, your minimum monthly payment should go in this category. Understand and build your credit score.

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How to Find Your Money ‘Why’

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When people are tired or temptations are especially aggressive (hello, holiday season!), How many bath bombs have been purchased on credit cards in the name of self-care? Faced with spending decisions , you might ask yourself whether a purchase supports your core values. Pink things for breast cancer awareness?

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Empower’s Budget App Will Teach You All About Smart Money Management

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When you link your bank and credit card accounts, it imports your transactions and assigns them a specific category. For example, if you’re trying to avoid holiday overspending , you can create a tag or a customized category for that type of spending. You can customize these categories with a few clicks if you choose to.

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10 Christmas Organizing Tips

Ian's Messy Desk

Does it seem like the holidays bring too much to do? By organizing Christmas this year you can help to make this a low-stress holiday. Automate your card list. If you’re planning a big holiday party, that’s not the time to test a new recipe. Don’t overspend on gifts, holiday outfits and food purchases.