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

Success

There are tons of tools—online and other—to help you figure it all out. 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). Dive into a digital finance manager, excel sheets, worksheets and a homemade bill binder.

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

Success

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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How to Get Organized Using Lists

Ian's Messy Desk

She has lists of gift ideas, quotes for greeting cards, honey-do’s and much more. Lists are the simplest tool or system for managing your life. These are a few of the lists he keeps on his handheld device: Account and $ numbers - credit card #s, PIN #s, etc. ( They consolidate all your tasks in one place.

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Save Time Doing Simple Things that ADD UP to Major Time Savers

Stephanie LH Calahan

Be prepared for the Worst - Carry An Extra Key    Keep an extra car key in your wallet, in a compartment intended for pictures or credit cards. Have your clothes laid out, your briefcase or the kids’ backpacks, and whatever else you need to take with you, all set out.   Don't let this be you!)

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How to Plan Business Travel & Business Travel Planning Checklists

Office Dynamics

Unneeded credit cards. Business cards. NOTE : Carry-On Baggage Although there is no regulation for common items such as clothing, reading materials, cameras and laptop computers, the TSA regulates the number of liquid items, such as toothpaste, shampoo and bottled water, permitted in carry-on luggage. Boarding Pass.

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106 Thoughts on Overcoming Overwhelm in a Freaked-Out World

Stephanie LH Calahan

The best tool for this is Post-It notes. You can make that first step easier by supporting yourself: comfy clothes, your favorite music, an organizing buddy, etc. When your credit card statement comes in, and after you have paid the bill, place the statement along with your month-end bank statement in the file folder.

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