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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. According to a Gallup survey , only one in three Americans prepares a detailed household budget. That’s a big red flag—you need a budget. It all feels a bit much.

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

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New Year’s resolution ideas to improve personal finance Create a monthly budget. Empower yourself to live debt-free by paying down high-interest debts such as credit cards. Improve your credit score. Scheduling morning and evening routines can help you sleep better, be more productive and improve well-being. Reduce debt.

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Tori Dunlap, Founder of Her First 100K is on a Mission to Close the Gender Pay Gap

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I simply don’t see the need for one when I can use credit cards and earn points and perks for my daily transactions. Thanks to my credit card points, I’ve earned flight upgrades, airline lounge privileges, free stays at high-end hotels as well as cash back, just from putting my everyday purchases on my credit card.

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The Art of Trying Again — and Again 

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The company crashed and burned in 10 months, and; King took on $70,000 of credit card debt by financing payroll on her personal credit card. We had very small clients with champagne taste on a beer budget.” I call them on the phone for a walk and talk, and we get our steps in.”

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YNAB Is More Than A Budgeting App, Its Principles Can Help Your Long-Term

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With so many distractions, it’s easy to lose focus on what really matters for financial stability—sticking to a budget. YNAB (You Need a Budget) helps you break free from that never-ending cycle of overspending. YNAB Is Way More Than Just A Budgeting App I know, budgeting isn’t exactly the most exciting topic.

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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. Lapin makes it a habit to negotiate with cable and phone companies. Instead of a little black dress, it’s a “little budget diary.” Get rid of a $5,000 credit card balance.

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You Will Survive: 8 Strategies to Overcome New Entrepreneur Anxiety

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There is an escape from the Money Panic, and it doesn’t involve selling off retirement investments or increasing your credit card limit. Your part-time consulting job likely won’t cover all the bills, so you may need to cut the fat from your household budget. Secure a “consulting” gig.

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