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How is your financial health?
Are you overdue for a financial health checkup? Do you dream about being financially independent, but struggle to believe that it’s actually possible for you? Are the bills piling up in your household? Are you afraid of the financial obligations that come with the next thing to go wrong in your life? Thankfully, there is hope. According to USA Today, nearly 2/3 of Americans are in debt. Of those, nearly half have stopped paying one or more of their credit cards. I don’t doubt the numbers are similar in Canada and around the world. If this is you, you might feel like your situation is hopeless. But there is always…
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Budget Ideas for Lazy People
A budget is a necessary evil, even for lazy people. If you are one of those individuals that would rather pay a late fee or use a credit card to buy gas and incur the extra dollar amount, there is good news. Lazy people can really have and stick to a budget and it does not have to be painful at all. Keep It Simple If you consider yourself lazy, perhaps that is part of the problem when it comes to budgeting. Changing your perception of money and how you should or should not budget your finances may make all the difference between incurring debt and keeping it at bay.…
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Living Without Credit – Financial Health
Living Without Credit Can Change Your Life These days, most people’s lives revolve around credit and keeping the credit score high enough to buy things such as houses, cars, insurance, cell phones, and rent. Even utilities can use credit reports to determine the interest rate you’ll pay and in some cases whether you can even get the item you want. Living without credit is possible, but be aware that some things might be a bit more difficult. If you have no credit, you will still be able to function in today’s society, but it might cost you an added one or two percentage points in interest or require a larger…