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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. We all know expenses exist, but the numbers keep adding up—rent, water, trash, electricity, cable, Internet, car insurance, renter’s insurance, gas, cell phone. According to a Gallup survey , only one in three Americans prepares a detailed household budget. It all feels a bit much.

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Is Earned Wage Access A Wolf In Sheep’s Clothing?

Allwork

The ability to access capital is great — but not when it comes at the expense of the workers. The businesses that provide earned wage access at no cost to their employees aren’t actively hurting them in the way some of the larger corporations are, but without additional information, they aren’t helping either.

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Looking to Cut Costs? These Are 5 of the Best Items to Buy Used

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Now that the world is reopening, others might be looking to sell items to help recoup their costs, which can mean a good deal on like-new or gently used items. These items can cost thousands of dollars and may not be worth the cost, especially if you don’t plan on using them every day. Kids’ clothes and baby equipment.

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Who’s Stuck With The Bill?

Allwork

The rise in working remotely comes with several costs, which include internet subscriptions, computers and office equipment, home office furniture, security, insurance, and software. There are various models that companies are using to cover these costs of working remotely. What are the costs associated with working remotely?

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Worried About Ever-Increasing Prices? 5 Ways to Reduce Your Utility Bills

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Prices for things like groceries, gas and travel are on the rise , and so are energy costs. Heating or cooling your home can be a significant expense, especially if you live in a place prone to extreme weather. This tip might cost you a bit of cash upfront but will save you money over the long haul. Bump your thermostat.

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Ten Simple Ways to Go Green On A Budget

Eco-Office Gals

Most people associate “going green” with buying expensive products like organic vegetables, environmentally friendly cleaning products, and electric cars. Without further ado, here are ten simple ways to go green on a budget. . Buying food that is produced locally is a fantastic way to go green on a budget.

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

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Instead of relying on credit to meet your financial needs, consider doing the following: Make a budget. When the lure of something shiny catches your eye, consider how it will fit into your monthly budget. While it can be fun to have something new and give yourself a treat every once in a while, if you have to use credit to do it—i.e.