Remove Cost Remove Credit Card Remove Gifts Remove Retirement
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5 Smart Money Hacks to Help You Budget for the Holidays

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With the economy making everyone extra cautious about spending , I really wanted to give myself the gift of not worrying about money this holiday season. Consider it my gift to you, my fellow budgeters. I honestly love gift-shopping. They also double as a kind of mini gift to yourself when you file your tax return in April.

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How to Know If You’re Financially Ready to Start a Business

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After all, without cash flow and a solid financial plan that includes costs and expenses, you won’t be able to get your business off the ground. For example, if a relative gives you an intrafamily loan, they’ll want to charge a minimum interest rate so it doesn’t count as a gift (which would trigger gift taxes).

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8 Pieces of Financial Advice for New College Graduates

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You may need to create rules for yourself, like that a percentage of your paycheck needs to go toward retirement savings before you can buy something just for fun. If you received money as graduation gifts, that is a perfect start to an emergency fund. Use your emergency fund to cover the cost as much as possible.

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44 Ways to Kick-Start Your New Year

Success

I want my financial future to be bright and to have no worries when I’m older and ready to retire. I want to evaluate my cost-of-living expenses and see where I can cut back. Cut up credit cards. I graduated from college, and I needed to start planning out my financial future. Brandy Jules , former SUCCESS staff writer.

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