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4 Smart Money Moves to Plan for Financial Security

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They don’t have a purpose for the money they’re saving, and they often end up splurging on stuff they don’t really need (or want) rather than using it to fund a life goal such as buying a house or saving up for retirement. So only adjust your emergency fund if your monthly expenses increase, you get a raise, or you gain dependents.

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5 Smart Money Hacks to Help You Budget for the Holidays

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They also double as a kind of mini gift to yourself when you file your tax return in April. For years, I put in for my FSA reimbursement to be paid out in December and used it like a “holiday bonus” to cover my extra expenses. Plus, donations are both great for your soul as well as your budget. Parents only have until Dec.

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Handbook for Life: 52 Tips for Happiness and Productivity

Stephanie LH Calahan

Cut down on the number of accounts you have, cut down on your credit cards, spend less, reduce your bills.  The problem with many of us is that we always think that we’ll be happy when we reach a certain destination — when we get a certain job, or retire, or get our dream house.   Retire early.   15. 

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