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How to Create a Budget: 6 Steps to Get You on the Path to Financial Security

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The cost of building a life isn’t. Be realistic when you’re setting budgets for each category—you need to eat (groceries), but you probably don’t need that chevron maxi skirt (shopping/clothing). It all feels a bit much. Categories are not limited—they should be customized to your own spending habits and responsibilities.

Budget 278
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Avoid Using “Buy Now, Pay Later” By Planning Ahead

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But while it can be a convenient way to make purchases and get the things you need without using a credit card, it can also become a financial headache if you aren’t careful. Falling behind on payments can mean late fees and possibly even a dip in your credit score if the problem isn’t fixed quickly.

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5 Ways to Save Money This Holiday Season (Without Disappointing Anyone)

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For example, shipping services are trying to counteract the dip in spending by cutting shipping costs for businesses. We need to take the shame and stigma out of wearing [or] using thrifted [or] consigned clothing and see it as a boon to everyone!” In fact, 38% of Americans plan on carrying holiday debt into the new year.

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