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7 Money Mistakes You’re Making in Your 20s

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To get around this, buy items you can use more than a handful of times—it’s more economical and friendlier to the environment. Paying credit card interest or fees. A credit card can be a useful tool. Some offer reward programs like cash back, grocery points or travel discounts that can be very worthwhile.

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How My Experience as a Black Entrepreneur Shaped My Views on Building Financial Freedom

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I was traveling on business and planning to open a new franchise in the area, I said. As a Black professional, he had been through his own set of uncomfortable interactions traveling on business and was all too familiar with the array of characters you meet and the variety of tactics used to wiggle out of uncomfortable environments.

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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. You may not be able to escape using a credit card for some unexpected expenses, especially if you’re just starting a new job and haven’t had time to build your savings.