Want To Get Financially Healthy In 2021? Four Simple New Year’s Resolutions

It’s that time of year and my unofficial study of everyone I’ve ever known shows that 99.9% of New Year’s resolutions include money. Saving more, spending less, increasing earnings – most of us include some form of financial health as one of our goals for the New Year. ‘Getting my finances together’ is on everyone’s list, but often pushed down with every new list addition. Getting started is a daunting task, and many are intimidated to do so – but you don’t have to be a sophisticated investor to manage your finances.

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How to Negotiate With Your Credit Card Company

DO-IT-YOURSELF PROJECTS are a popular way to save money, which is one reason why there are several TV shows and loads of magazines celebrating the joys of hands-on home improvement.

There is another DIY opportunity that gets much less fanfare and can take about as much time as fixing a leaky kitchen faucet – negotiating with your credit card company.

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How to Choose the Right Budget System

The best system for you depends on what you’re trying to do — curb spending, pay down debt, build savings or something else.

Budgeting systems are designed to help you understand and evaluate your relationship with money. While all share a common goal, they often use distinct tactics to get you there.

We’ve narrowed down some options to help you find one that resonates. Use these recommendations as a guide.

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Free trials can be costly

Free trials can be costly

Getting free stuff is cool…until it isn’t free. It is decidedly uncool when, after luring you in with “free trials” for products you might like, a company hits you with surprise charges during the supposedly “free” trial period.

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4 Smart Reasons Why You Should Do Your Own Taxes

When you get your W-2 in the mail each year, it might fill you with a bit of dread. It’s time to call your accountant, wait in line some Tuesday night in March, and pay out a hefty chunk of your refund just to get someone to type your income and taxes paid into some computer software program. It all seems like a waste of time and money, with a thankless reward of handing over a check to the government at the end of it all.

5 Ways to Control Emotional Spending

Sometimes it may seem like shopping has become America’s favorite pastime. With advertising popping up everywhere—from TV to billboards to city buses— shopping seems to be everywhere. Advertisers spend billions of dollars annually convincing us that products can make us feel successful, prevent us from being bored, help us attract a partner, and a myriad of other things. With ads carefully designed to manipulate our spending habits, it’s no wonder so many people have become emotional spenders.

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How to Stop Living Paycheck to Paycheck in 8 Steps

Does it feel like your paycheck is gone the moment you get it? Here’s how to break that vicious cycle.

Are you stuck in the all-too-common habit of living paycheck to paycheck? You don’t need me to tell you that’s a self-defeating cycle. You simply can’t get ahead that way.

But escaping isn’t easy, especially if your paycheck is tight. Change involves not just the hard work of making a new habit, but also changing your ways of thinking.

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How To Get Your Finances Organized

Fall is here, and perhaps you’re realizing that you spent more than you intended over the summer. Time to get organized as the holidays are approaching!

While it may be tempting to wait for the new year to “start new”, don’t hold off. Start now, go ahead and take the necessary steps to overcome the financial stress you may be experiencing.

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