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

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Empower yourself to live debt-free by paying down high-interest debts such as credit cards. Improve your credit score. Doing small things like paying bills on time and making multiple credit card payments each month (if you’re able) can boost your credit score and improve future financial benefits.

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Lessons From Past Recessions

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As part of your financial plan, consider the following: Review your finances. Start by reviewing where you stand financially to get a clear overall picture of your financial life. How much debt do I have (credit cards, student loans, car loans, mortgages, etc.)? How much cash can I quickly access if needed (i.e.,

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Master Your Memory with Ron White

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Now try to find the phone number of a friend. He labeled 25 to 30 landmarks in a logical order before reviewing the locations and memorizing them. File 20: Credit card sharing with your friends—You must share the credit. When you’re driving to work you can be reviewing what you memorized,” says White.

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How to Protect Yourself from Online Scams

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Check your credit report quarterly. We advise checking your credit report as part of your financial well-being, but it’s also a great way to make sure someone isn’t using your bank or credit cards without your knowledge. Review your report frequently for any odd transactions or fraudulent postings.

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These Are Nicole Lapin’s 6 Money Tips for Living Your Richest Life

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Throughout the book, she shares personal anecdotes and examples, such as how she painlessly eliminated a $5,000 credit-card balance. Timing is everything, so she suggests asking for a raise after a fantastic job review or a client sings your praises. Lapin makes it a habit to negotiate with cable and phone companies.

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How to Save Money on Your Car Insurance

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But it’s a good idea to review your policy to ensure you have the best car insurance and check for a better price every six to 12 months, depending on when your policy renews. Review your driving record occasionally by contacting your state’s Department of Motor Vehicles (DMV) and check the report for potential errors.

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How credit card companies offer different levels of customer service

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Credit cards are an important way of life for most Americans. According to CreditCards.com , the average consumer has nearly $16,000 in credit card debt, and the average interest rates of credit cards range from 10.37% for those with excellent credit to 28% for instant approval credit cards.