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12 Steps to Financial Wellness Step 8: Know When & How to Indulge

Living a life of financial wellness means being happy with a lifestyle that’s within your means, but doesn’t leave you feeling like you’re lacking. At the same time, financial wellness means discipline governs money choices and not by emotion. So how do you balance the two? Here’s how to indulge responsibly.  Live with a BudgetTo

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12 Steps to Financial Wellness Step 7: How to Pay Yourself First

“Pay yourself first” is a catchphrase that refers to prioritizing your personal savings above other expenses. To achieve it, savings should be a fixed line on your budget that happens every month without fail. Here’s how to pay yourself first. Review Your Spending Take a clear look at your spending. If you already have a budget,

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12 Steps to Financial Wellness Step 6: Pay it Forward

There’s so much good you can do with the money you’ve been blessed to have. There’s also a lot of good you can do with your time, talents, and possessions. Let’s explore some ways you can make the world better by paying it forward.  Donate funds to your favorite causeThe classic and simplest way to

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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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Why Does Credit Score Matter?

Your credit score is an indicator of your financial wellness and responsibility. We have outlined how credit scores are calculated, why it matters, and steps to take to improve your score. How is my credit score calculated?The three major credit bureaus in the U.S. collect and share information on a person’s credit usage with potential

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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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The Importance of Financial Literacy in a Crisis

The COVID-19 crisis has caused income loss, uncertainties, and an increase in fraudulent attacks throughout Ohio and nationwide. Smart money management is more important than ever, but studies show that Americans are falling behind in financial literacy. While the U.S. is the world’s largest economy, Investment News reported it as ranking only 14th for financial

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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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How to Dispute an Error on Your Credit Report

As a financially responsible individual, you should be checking your credit on a regular basis. If all goes well, your credit card statements and report hold no surprises. Sometimes, though, you may find a mistake. When this happens, you’ll need to officially dispute the error to fix your score. Credit Report MistakesMost credit report errors

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Help! I Overspent on Christmas!

It’s easy to go overboard for Christmas. Giving extravagant gifts to your family members seems like a great idea … until you’re facing a huge credit card bill in January. However, it happened, approach this problem rationally. Blaming yourself is pointless; the important thing now is to right yourself financially. Fortunately, you’re not facing this

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Eight Ways to Beat Holiday Stress

‘Tis the season to be merry-except sometimes, it’s not. If you tend to feel stressed when the holidays roll around, here are eight tips to help turn that frown upside down. 1. Watch the buck Nothing kills the holiday cheer like a mountain of debt. Stick to a budget when doing your holiday shopping and

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Couples and Money: Truth or Friction?

Money is one of the most sensitive topics couples face. Disagreement over spending and saving habits is one of the most frequent causes of friction in a relationship. Truthful, frank discussion and mutual financial planning can go a long way to resolve the tension. BUDGET: A DIRTY WORD?Does the mere mention of a budget start

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