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30 New Year’s Resolution Ideas to Make 2024 Healthier, Happier & More Secure

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Calculate your monthly income, track your spending, determine your goals and priorities and develop a plan to manage your expenses. Empower yourself to live debt-free by paying down high-interest debts such as credit cards. Limit money habits that can leave you broke such as expensive dining or luxury items. Reduce debt.

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Everything You Need to Know About Emergency Funds

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If you’ve ever had to pull out a credit card to deal with a dentist or emergency vet bill, you likely know the pain of wondering how you’ll pay for an unexpected expense. An emergency fund is a safety net of money for unexpected expenses. Having an emergency fund can significantly reduce your money worries.

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What Is My Net Worth?

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You may be spending more than you earn and using credit cards to help you cover expenses. A zero net worth is going in the right direction, but you still likely need to reduce your expenses or make more to prepare for the future. Liabilities are debts you owe others, like a loan or a balance on a credit card.

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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.

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How Employers Can Better Serve Neurodiverse Employees in 2023

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After surviving a major medical event and a surgery that almost killed her, she found herself reevaluating her trajectory. “I According to 2020 research published in the British Medical Bulletin , “a reasonable estimate of all neurominorities within the population is around 15–20%.” But things only got more complicated.

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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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4 Smart Money Moves to Plan for Financial Security

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A survey by Insider and Morning Consult from 2019 showed that millennials were more likely to put off buying houses, making career moves, undergoing medical procedures and even getting hitched—all because of cash-related reasons. So only adjust your emergency fund if your monthly expenses increase, you get a raise, or you gain dependents.