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How to Stop Overspending: 7 Steps Toward Taking Control of Your Money


Taking control of your money isn’t always easy but acknowledging that there is an issue is the first step toward getting a budget in place and sticking to it. Find some helpful tips below that may fit into your financial plan and life.

1. Create a Budget (or Improve Your Existing Budget)

 

Here’s a simple process to get you started:

 

Start a Spreadsheet. Create a spreadsheet to categorize different expenses and types of income, whether it's on excel, online or on pen and paper - do what works best for you...


7 Easy Ways to Improve Your Credit Score


Your credit score is used to help lenders/credit card companies decide how likely it is they'll be repaid on time if they grant you a credit card or loan. The higher your scores, the more likely you are to qualify for loans and credit cards at the most favorable terms, which will save you money.

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Multiple factors go into your Credit Score, Here are helpful tips we've put together.

Pay every bill on time

Often times lenders will look at alternative forms of data when seeing if you’re creditworthy. Examples of this are paying your rent, cable TV and cellphone on time payments...


The Effects of Financial Stress On Your Physical Health


Money may not buy happiness, but studies have shown that your relationship with it can impact your health. There’s a strong correlation between how much money you have, how you spend your money and whether you have enough to cover your bills. Working towards paying your bills is such a huge part of your life and how much you have left over has a major impact on your health.

First, look at the cost of unhealthy habits. If you’re smoking in a major city, think about eliminating a $15 a day smoking or junk food habit. If you kick that bad habit, it could save you $3,650 annually, plus interest.

While stress is a part of life, we can try to minimize it and the effects on our body...


How To Save Money Long Term | Helpful Tips & Tricks


Need some easy ways to save money? 

Here are some tips that are “Little Steps” that end up being “Big Steps” in your financial journey. Start small and think big!

Long-Term Ideas Money-Saving Tips:

  • $1,000 to start an Emergency Fund

    • In-case you get into an accident, need to pay an unexpected bill, medical bill or whatever it may be - this is the best way to deal with those emergency expenses.

      • The best ways to get a $1,000 emergency fund is to add funds in month by month...


How to Save Money | Easy & Helpful Tips


Here are some tips that are “Little Steps” that end up being “Big Steps” in your financial journey. Start small and think big!

  • Daily Money-Saving Tips

    • Cancel unused memberships

      • I.e. Magazines, gym, streaming/TV channels, music, food and lifestyle memberships and prioritize the subscriptions that you use on a weekly or daily basis. Remember, you can always renew the membership at a later date if it turns out that you actually do miss it.

    • Master the 10-second rule...


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