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The Importance of Having an Emergency Fund

January 12, 2023

An emergency fund is a savings account set aside for unexpected expenses or emergencies that may arise. These funds can provide a safety net for individuals and families, helping them to weather unexpected financial storms. One of the main benefits of an emergency fund is the peace of mind it provides. Knowing that you have a cushion of savings to fall back on can alleviate stress and anxiety in the face of unexpected expenses or emergencies. This can be particularly
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New Year, New Budget: Questions to Answer in 2023

November 22, 2022

With the new year closing in, now’s the time to review your budget over the past year. This allows you to determine what’s working, what’s not, and what types of changes you need to make in the months to come. There’s a good chance that a budget review will lead you to make various changes. That’s why it’s so important to conduct a review before the new year arrives. Here are some of the questions you should set out to
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How to Manage Credit Card Spending During the Holidays

October 30, 2022

There’s a lot to spend money on during the holiday season. From gifts to holiday meals to travel, it’ll seem like there’s no end to the spending. Unfortunately, when the holidays are in the past, your credit card statement will show you the true damage of your spending. If you want to avoid the shock of a large credit card bill this upcoming January, it’s important to implement a plan to manage your spending during the holidays. It’s the steps
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Have You Created Your 2022 Holiday Gift Budget?

August 10, 2022

While the holiday season is still a few months away, it’s never too soon to create your gift budget. With this, you’ll have a clear idea of what you can afford to spend on every person on your list. But without it, you could find yourself overspending — and that’s sure to throw your finances into disarray as the year comes to an end. Here are five questions to answer if you’re in the process of creating your holiday gift
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How Often Should You Review Your Budget?

October 25, 2021

Let’s face it: reviewing your budget isn’t something that you look forward to. In fact, if you’re like most people, you avoid this at all costs. That’s especially true if you’re confident that your budget is accurate and in good standing. Even though it may not be your idea of financial fun, there are times when you should review your budget. Consider the following: The Passage of Time This alone is reason enough to review your budget. For example, if
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