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5 Ways to Save Money This Holiday Season (Without Disappointing Anyone)

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For example, shipping services are trying to counteract the dip in spending by cutting shipping costs for businesses. For example, my siblings and parents don’t need store-bought gifts, nor do my friends,” Howell says. Instead, she will be giving them watercolor painting cards that she makes.

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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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8 Pieces of Financial Advice for New College Graduates

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Some people refer to this as an emergency fund , but it is essentially three to six months’ worth of living expenses you can use to pay for essentials if you lose your income or get hit with unexpected bills, such as a car repair or medical emergency. Understand and build your credit score. 20% goes to other debt repayment and savings.

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7 Travel Tips and Tricks for Navigating Obstacles on Your Next Journey

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If you still end up forgetting your medication, your doctor may be able to call in your prescription to a local pharmacy where you’re vacationing. You should also check to see if your credit card offers travel insurance , which can help cover expenses like unplanned hotel stays and meals.

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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. Liabilities are debts you owe others, like a loan or a balance on a credit card. For example, if your assets equal $10,000 and your liabilities are $5,000, you have a positive net worth of $5,000 ($10,000 – $5,000 = $5,000).

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How Financial Wellness Programs Can Benefit Employees and Employers

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For example, they may see low attendance among employees in seminars focused on participation in the company 401(k) plan but they have no way of knowing that some employees aren’t attending because they’re grappling with other financial woes, like recently overdrafting an account, Mecham says.

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Empower’s Budget App Will Teach You All About Smart Money Management

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If you know how much you want to spend on things like travel, entertainment and medical services, it allows you to see if you’re sticking to those limits. When you link your bank and credit card accounts, it imports your transactions and assigns them a specific category.

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