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A NEW APPRECIATION FOR LIFE Mar 01, 2018

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I have been diagnosed with asthma my entire life.  I never really had any issues with it flaring up.  I can count the times I've had issues on one hand (literally).  This past Friday caught me by surprise.  

I had a severe asthma attack and because I never have issues, I did...

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IT'S TAX SEASON Feb 07, 2018

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During this time of year, Americans usually fall into one of two camps.  Either they are excited because they are expecting a big tax refund or sad because they know they will end up going.  No matter what camp you fall into, I want to explain why neither scenario is ideal and some...

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A LITTLE EMERGENCY FUND debt saving money Feb 04, 2018

The infamous emergency fund!  Most people know what it is but do you have anything saved for a rainy day?  Right now, I have a little over $1000 saved in case I need it.  Why not 3 - 6 months like you read and hear about from financial experts?

Well, the short answer is because I...

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METHODS TO TACKLE DEBT debt Jan 28, 2018

Now that you know what is on your credit, checked your credit score, and called your creditors, let's talk about paying debt down.  There are a couple of different ways to accomplish this potentially monstrous task.  You can either use the snowball method or the avalanche method....

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THE IMPORTANCE OF CREDIT (PART 3) credit debt Jan 21, 2018

Ok, so now we know what's on our credit and our credit score.  Let's clean it up a little!  I want to start with collection accounts since they are the most detrimental to your score.  Never pay anyone to do this for you!  It is pretty simple and I am going to walk you step by...

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FIRST STUDENT LOAN PAID!! budgeting credit debt psychology Jan 17, 2018

I had to take a quick break from our credit discussion to announce my first student loan debt has been paid in full!  I am super excited!  I am in the middle of my debt snowball (paying debt down in order from smallest balance to largest).  That particular loan started with a...

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THE IMPORTANCE OF CREDIT (PART 2) credit debt Jan 14, 2018

Welcome to part two of the money talk about credit!  I highly recommend reading part one first as this post is meant to be a continuation.  So, now that you have pulled your credit report, let's pull our credit score.  There are a few different ways to do this.  When you go to...

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THE IMPORTANCE OF CREDIT (PART 1) credit debt spending money Jan 06, 2018

According to Investopedia.com, credit is a contractual agreement in which a borrower receives something of value now and agrees to repay the lender at some date in the future, generally with interest.  Now, it would be great if there was nothing on your credit report because you never...

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NEW YEAR, NEW YOU? HOW BUDGETING CAN HELP! budgeting credit debt lowering expenses saving money Dec 31, 2017
It's New Year's Eve!  This marks the occasion when everyone decides on their New Year's resolutions.  According to statisticbrain.com, the top resolution is to "lose weight/eat healthy" followed by "life/self-improvements" as number two.  These are great but I want to focus on the...
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6 TIPS TO AN (UN)STRESSFUL HOLIDAY SEASON budgeting holidays saving money Dec 17, 2017
'Tis the season of spending!  The National Retail Federation expects retail sales during November and December to be about $682 billion!  (I think we are in the wrong business)  They expect each consumer to spend an average of $967.13.  This is massive spending!  Most...
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MONEY IS AN EMOTIONAL THING psychology Dec 10, 2017
I figured this would be an excellent place to start on our journey.  To have control over your finances, you have to first control how you feel about it.  What do I mean?  Well, let's do a quick exercise.  I am going to give you a few words, and I want you to pay attention to...
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