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MARCH 10, 2022

Paying credit card interest or fees. A credit card can be a useful tool. Credit card interest rates can be incredibly high, and not paying off your balance every month can start a downward spiral into crippling consumer debt that destroys your finances. Something else to look out for is annual fees.

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FEBRUARY 13, 2023

But the concepts that can really make a difference to your long-term goals, like budgeting and saving for the future, can get ignored in favor of more exciting ideas like playing the stock market or the latest viral TikTok trend. Paying off debt Paying off credit cards or other debt can feel like rolling a boulder up a hill.

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APRIL 1, 2024

Not to mention, low wages, staggering student debt and compounding credit card debt. In the long run, this ignorance is bliss mentality only leads to more problems, whether it’s mounting credit card debt or puny retirement funds. It comes down to an individual’s values and goals.

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MAY 29, 2023

You may be spending more than you earn and using credit cards to help you cover expenses. Liabilities are debts you owe others, like a loan or a balance on a credit card. For example, maybe you’re working diligently to save in a high-yield savings account and you have credit card debt.

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OCTOBER 31, 2022

Americans increasingly pulled out their credit cards to pay for a whole slew of more-expensive goods and services, which resulted in the biggest surge in credit card debt in more than 20 years. As you think about your personal finances heading into 2023, credit card debt should be top of mind.

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AUGUST 23, 2021

You’ve heard of entrepreneurs and executives creating a business plan to help them cement and guide their long-term strategy, but did you know that creating a personal financial plan is an excellent way to keep your long-term goals on track? Write your financial goals. Aggressively pay down credit card or other debt.

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APRIL 22, 2024

When you connect your credit cards to the YNAB app, you can set a payoff date goal or schedule your card’s balance to be paid in full monthly. Also, your savings goals do not have to have a specific, set monthly amount: You can set a goal date or an eventual goal with no deadline.

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MARCH 7, 2023

Let me make a cashless payment by scanning my phone, entering a secret code or with my mom’s credit card. Your goal is to make it so easy for customers to pay that they stop comparison-shopping on their smartphones while waiting in your checkout line. Oh, how I longed to be in a line where checks were not accepted!

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JULY 5, 2021

But having some luxury now and then can help us stay on track with our financial goals. than the experience, but having something to look forward to lets us recommit to the rest of our financial goals. Set aside the rewards you get from your cash back or points credit cards and use them to fund a special treat now and then.

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MARCH 24, 2022

Throughout the book, she shares personal anecdotes and examples, such as how she painlessly eliminated a $5,000 credit-card balance. Write down your goals and turn them into an elevator pitch. State your goal for the current year, in the near future (years three and five), and further out (years seven and 10).

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APRIL 1, 2024

Not to mention, low wages, staggering student debt and compounding credit card debt. In the long run, this ignorance is bliss mentality only leads to more problems, whether it’s mounting credit card debt or puny retirement funds. It comes down to an individual’s values and goals.

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NOVEMBER 15, 2021

Whether you’re in debt or trying to climb your way out of debt, shame can be a paralyzing influence that keeps you from making progress toward your goals and creating a better life. Knowing the difference between shame and guilt can be confusing because so many of us hold both of them when it comes to money.

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NOVEMBER 18, 2021

Some basic categories, but definitely not all possible ones, you can start with include: Housing, including rent or mortgage Utilities Car payments/insurance/gas Health/medical expenses Groceries/restaurant expenses Entertainment Personal/shopping/clothing Children Savings Credit cards/loans/other fees Etc. Don’t ditch the budget.

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AUGUST 2, 2021

We are often told by personal finance experts that money should only be viewed as a tool to reach our goals, with no emotions attached to it. With that feeling comes a sense you can never reach your financial goals. Determine the facts. Change takes time.

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Success

OCTOBER 3, 2022

I maxed out credit cards and treated my lines of credit as a source of capital to fund my next new business idea. But it just seemed like a very long path toward my goals. My father taught me how to think like an entrepreneur. That was priceless. So, I kept testing and learning, which is really the key.

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MARCH 15, 2024

These aren’t your typical conversations with celebrities; when they sit down with Shetty, the most famous people in the world get real about everything from intentional goal-setting to self-compassion to healing your inner child. Whatever self-improvement goal you’re after, Robbins has talked about it all for decades now.

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JULY 20, 2021

But when you write down your five or 10-year plans, your real goal is to make major deals. So do you immediately go and max out your credit card on a new Armani suit? Don’t go into credit card debt trying to impress a guy who can’t be impressed. You don’t look like wealth. Which brands are on the rise?

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AUGUST 5, 2022

Experts can use it to memorize a deck of shuffled cards in less than 26 seconds. Personally, I can now memorize a deck of cards faster than I can say ‘queen of spades.’ File 20: Credit card sharing with your friends—You must share the credit. File 19: Bunch of objects with checks on them—Check the small things.

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JANUARY 31, 2022

We’ve talked before about setting and achieving goals , and one of the simplest (though not easy) techniques to accomplish your financial dreams is developing the habit of mindfulness. What is mindfulness? Acceptance doesn’t mean forgetting the past problems, but it does mean forgiving ourselves so that we can begin to move on.

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MARCH 8, 2022

How many bath bombs have been purchased on credit cards in the name of self-care? Take a moment to list your financial priorities : remodeling the house, saving up an emergency fund, freeing yourself from credit card debt, building a college fund. How many unused vitamins and supplements under the name of wellness?

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MARCH 15, 2022

In every financial workshop, I hold with 20-somethings, there inevitably comes a point where someone utters the phrase, “But my dad said…” followed by: I should carry a balance on my credit card to improve my credit. I should pay off my debt before I start saving. Buying in bulk is a better deal. Investing is too risky.

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OCTOBER 10, 2021

Every January, we would find ourselves with a large credit card balance and would have to adjust our goals to make up for it. As much as we love nice things, we made faster progress toward our financial goals when we realized that those little upgrades are not just one-time expenses. Start with a Percentage.

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APRIL 24, 2023

While staying positive is essential to reaching your goals, pushing aside or suppressing negative feelings can make things worse in the long run. Suppose you rack up credit card debt with a you-only-live-once attitude and haven’t developed a plan to repay that money.

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SEPTEMBER 8, 2021

You can’t think about online marketing as a way to reach into people’s pockets and steal their credit card—people can sense that. The goal of social media is not to move people from platform to platform to platform. Ask them, “What are your goals ? You need to think of it as building trust. What are you struggling with?

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JULY 20, 2021

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. Set goals and start saving for them today. Your goals don’t have to be big and lofty.

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FEBRUARY 19, 2022

RoosterMoney is primarily an allowance app for kids, but it’s particularly handy for teaching kids about saving for short-term and long-term goals. That means The Game of Life app is pretty much parallel to the average consumer’s ultimate financial goal—a comfortable retirement.

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MARCH 9, 2022

When we shift our money goals to be intentional acts of self-love, rather than acts of restriction and self-deprivation, it becomes much easier to take the actions that get us closer to reaching our goals. Here are two money mindset shifts to transform and de-stress your relationship with money for good: The Language We Use.

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DECEMBER 28, 2021

Depending on your goals and financial situation , you may consider allocating a few percentage points of your portfolio to some of the riskier, more volatile investments, with the remainder in more proven, stable investments. The same idea applies with your money.

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On The Job

JUNE 3, 2019

The competition was to get the most customers to fill out credit-card applications. Since I was 17-years-old at the time, I could have cared less and never even asked a customer if they wanted a credit-card application. I've even been a part of such competition when I was working retail while in high school.

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JUNE 28, 2021

Stay away from accumulating credit card debt. Instead, these successful people use their free time engaged in personal development, networking, volunteering, working side jobs or side businesses , or pursuing some goal that will lead to rewards down the road. Set goals, not wishes. These are your daily goals.

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JUNE 12, 2022

Even if you find the perfect new position, it’s still important to focus on your long-term goals and make a plan for leaving the workforce altogether. Make small steps to achieve your goals. Once you have a list of your projected spending and assets, compare the two for the difference.

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NOVEMBER 15, 2022

What I took from this is that, if we don’t deny ourselves small pleasures, we have a better chance of sticking to our main goal. These days, my biggest “little” indulgence is the way I use my credit card reward points. This advice stuck with me as I entered my second year of single motherhood.

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MAY 15, 2022

One of the best things you can do to prepare for any financial downturn is to pay off your credit card or other high-interest debt. Make small, incremental savings goals to keep you motivated as you move toward a larger purpose, or automate your savings contributions so they happen without needing to think about it.

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FEBRUARY 23, 2022

For this reason, many Black business owners cannot access loans from traditional lending institutions and often turn to credit cards, their own savings or nonprofit community lenders. They dip into retirement savings, run up credit card debt or ramp up slowly while juggling day jobs.

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Office Dynamics

JUNE 1, 2018

For example, if it’s a letter to a credit card company about a dispute, make it clear what you want, e.g., future credit or a refund. Remember, a positive outcome should be the goal of every communication. Does the communication specify what you want readers to do and by when?

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JANUARY 8, 2024

Setting goals and tracking your progress is essential for personal development. But sometimes, keeping track of your progress can seem to take longer than achieving the goal itself. Using a goal setting app can help keep the tracking process manageable. How much does the app cost? Are there subscription fees?

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Ian's Messy Desk

NOVEMBER 10, 2010

Minimize the number of identification and credit cards carried. Tear/shred receipts, copies of credit applications, other documentation containing personal information, don’t just throw it in the garbage. Obscure credit card numbers on customer receipts. name, address, phone number) will be used.

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