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5 Ways to Save Money This Holiday Season (Without Disappointing Anyone)

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The Associated Press (AP) reported that spending had slowed in October , ahead of the holiday season. And it’s not just the United States— Dutch consumers are cutting back, and Canadians are spending less on holiday travel and gifts, new reports show. In fact, 38% of Americans plan on carrying holiday debt into the new year.

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Bad Credit 101: The Small Mistakes That Are Killing Your Score

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You just applied for a credit card, or maybe it was a new apartment or a loan, and you got denied. You were under the impression that your credit was solid. It just sucker punched you in the face, so now you’re wondering what’s causing your bad credit score.

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8 Pieces of Financial Advice for New College Graduates

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Some people refer to this as an emergency fund , but it is essentially three to six months’ worth of living expenses you can use to pay for essentials if you lose your income or get hit with unexpected bills, such as a car repair or medical emergency. Understand and build your credit score. 20% goes to other debt repayment and savings.

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3 Steps to Take Before Going Into Business for Yourself

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A 2021 report uncovered that 40% of traditionally-employed American workers are considering a transition to self-employment in the next two years. According to the Bureau of Labor Statistics , the average employer paid “78% of medical care premiums for single coverage plans” in 2021, which is a nice perk. Create a plan.

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How Financial Wellness Programs Can Benefit Employees and Employers

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And 85% of these HR leaders reported that financial wellness benefits are more important than even a year ago, the study found. People who follow the YNAB rules report an increase in savings, lower debt and a higher credit score, he adds.

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

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If you know how much you want to spend on things like travel, entertainment and medical services, it allows you to see if you’re sticking to those limits. When you link your bank and credit card accounts, it imports your transactions and assigns them a specific category. Here’s what you should know.

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How to Save Money on Your Car Insurance

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A deductible is the portion of the repair or medical bills you are responsible for paying if you are found at fault in an accident. Review your driving record occasionally by contacting your state’s Department of Motor Vehicles (DMV) and check the report for potential errors. Work on your credit history. Raise your deductible.

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