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Step 3 of 12 to Financial Wellness: Pay Down Debt

You’ve tracked your spending, designed a budget for your monthly expenses, and you’re on a path to financial wellness. In this next step, you’ll create a plan for paying down debt. Consumer debt can be one of the biggest challenges to financial wellness. With some intentional action and commitment, reaching true financial wellness is possible.

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Step 2 of 12 to Financial Wellness: Creating a Budget

Now that you’ve tracked your spending and kept a careful record of where your money goes over the course of a month, you’re ready to move onto the next financial wellness step: creating a budget. Budgets play a crucial role in promoting financial awareness, which leads to more responsible money choices. Let’s look at how

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12 Steps to Financial Wellness-Step 1: How to Track Your Spending

Tracking your spending is the first step toward greater financial awareness and overall financial health. But, mastering this skill is easier said than done. How can you track every dollar you spend when you make multiple daily purchases? We’ve outlined how to track your spending in 3 easy steps. 1. Choose your tools. Tracing every

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Helpful Environmentally Friendly Tips for Saving on Heating Costs

As outside temperatures fall, indoor temps and heating costs go up! And this winter may come at a higher cost. In fact, while fueling up at the gas station, you’ve seen the impact of our 6.8% inflation rate first-hand. U.S. households on natural gas heat are expected to pay 25% more than last year. Homeowners

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Five Reasons We Overspend (and How to Overcome Them)

What makes us overspend? Let’s look at five common reasons and how we can overcome them.  1. To keep up with the JonesesWhen people who seem to be in the same financial bracket as us can afford another pair of designer shoes for each outfit, we should be able to afford them, too, right? Break

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Five Ways to Trim Your Fixed Expenses

When trying to trim a monthly budget, most people don’t even consider their fixed expenses; however, with just a bit of effort and research, most of these costs can be reduced. 1. Consider a refinanceTrim your mortgage payments by refinancing at a lower interest rate. It will cost a bit, but you can roll closing

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How to Dispute and Pay for Large Medical Bills

Astronomical medical bills can be devastating to any budget. Here’s how to dispute and pay for large medical bills in five easy steps. Step 1: Review your bills.Typically, you’ll receive an Explanation of Benefits (EOB) from your insurance company in addition to the actual bill telling you how much you’re responsible for paying. It’s important

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Step 12 of 12 Towards Financial Freedom: Celebrate!

Is your debt shrinking? Have you gotten rid of one of your outstanding loans or lines of credit? Well, then it’s time to celebrate! Take the time, this month, to celebrate every small goal you’ve reached on your journey toward paying down debt. You don’t need to spend much to celebrate an achievement; find inexpensive

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Step 11 of 12 Towards Financial Freedom: Track Your Progress

Update every bit of progress you make on the debt spreadsheet you created earlier this year. Keep your spreadsheet in a visible place so you can quickly and frequently track your progress. Watching those numbers shrink will give you the motivation you need to work harder and make it all happen quicker. Just imagine; one

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Step 10 of 12 Towards Financial Freedom: Make It Automatic

Now that you’re maximizing your payments toward the debt you’ve prioritized, make sure it happens by automating your payments. Set up an automatic transfer in your designated amount from your checking account or your savings account to that debt each month, and it will be well on its way to disappearing! Need help? Meet with

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Step 8 of 12 Towards Financial Freedom: Boost Your Income

Increase your income this month to help you pay down debt. There are a handful of practical ways to accomplish this. For instance, consider asking for a raise or promotion at your current workplace or seeking employment elsewhere if you feel you’ve reached your maximum earning potential at the company. You can also freelance for

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Step 7 of 12 Towards Financial Freedom: Create A Debt Snowball

You’ve organized your debt, you’ve set up an emergency fund, and you’re working on spending less. You’re now ready to start getting rid of that debt — for good! Choose the debt you’d like to pay down first. Financial experts typically suggest starting from the smallest debt and working your way up. You can also

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Six Ways to Keep Your Finances Intact this Holiday Season

‘Tis the season to shop until you drop – or until you go broke. But you don’t have to overspend. There’s no need to rack up a huge credit card bill or go into debt just to cover your holiday expenses. Enjoy a stress-free season by keeping your spending in check with these six tips:

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Combating the Financial Mistakes of Our 20s and 30s

People starting out in their careers often focus on the here and now while ignoring the future when it comes to finances. As you climb the ladder of success, you tend to think that the raises and promotions will endlessly continue. It can seem like you have forever to plan for the future. As millions

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Step 6 of 12 Towards Financial Freedom: Trim Expenses

If you’ve been following our Financial Freedom series, then you know that last month we focused on creating a budget. Now that we have a budget, let’s slim it down! You’ve already practiced spending less thanks to Step #2 in this series. Now, it’s time to get serious about it. Take a long, hard look at the

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