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

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It can be tricky when things come up like holidays, especially those gift-giving holidays, because they also coincide with events like buying new winter clothes for my kids, or family parties, teacher gifts,” she says. Refuse to enter January with a new pile of credit card debt There’s a reason credit card companies love the holidays.

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

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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. Check out your expenses from last month and then categorize each transaction. Set goals and adjust your expenses. The cost of building a life isn’t.

Budget 279
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How to Experience Luxury in Everyday Life

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Some experts advise cutting out all your discretionary spending—such as picking up coffee twice a week. If you were just picking up coffee out of habit and it doesn’t add much to your day, cut it out. But if that pick-me-up is what you need to help you get through the week, it’s OK to keep it in your budget and savor it.

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2 Important Rules for Attracting Wealthy Clients

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You hang up and immediately start panicking. So do you immediately go and max out your credit card on a new Armani suit? Ryan Serhant, the host of Million Dollar Listing New York on Bravo and owner of SERHANT , his own real estate firm, has made a career of selling ridiculously expensive properties to ridiculously rich people.

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12 Essential Tips Every Solo Traveler Needs to Know

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Use the cloud Scan or take photos of your flight and hotel confirmations, credit card and insurance cards, and any other documents that might be useful. A sheet has multiple uses, including covering up questionable bedding, being a light blanket, or even being a towel if needed.

Travel 130
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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. Save for big purchases.

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44 Ways to Kick-Start Your New Year

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Is there one thing that will make the difference between actually achieving your goals and chalking them up to yet another year’s unfulfilled resolutions? Sign up for a birthday/anniversary reminder service. I want to set up a schedule that is devoted only to my family. Get a leg up. Schedule family time.

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