What to Do Instead of Buy Gifts This Holiday Season

why not buy gifts

What were your favorite three gifts you received last holiday season?

Can’t remember? What about just one gift?

If you had a hard time doing this, you aren’t alone. So many of us succumb to the pressure to give, give, give during the holidays that we forget the meaning behind them. Religion aside, most of us can agree that this time of year conjures up images of friends and family spending time together at long dinner tables or huddled around cozy fireplaces. It’s not about the gifts.

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HELP: Why Is My Student Loan Balance Going UP?!

student loan balance going up

It’s hard enough paying down student loan debt. But when you’re making all of your payments on time and your balance keeps going UP, it feels impossible.

Worse, when you see your debt growing while you’re making on-time payments, it can make you wonder if there’s any point in making those payments at all. 

If that’s your situation, you can turn things around with a little information and a few action steps. And that starts with knowing everything about your student loans.

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7 Ways To Save Money on a Low Income

how to save money with low income

Saving money.

Everyone wants to do it but very few manage to execute it perfectly. You probably understand that in order to be successful in life you need to master the art of saving money. However, how are you supposed to save money on a low or zero income? 

This sounds like an impossible task!

While it would be nice to be able to wave a magic wand and make your money problems disappear, the truth is that saving money is not as hard as you think it is. In fact, a lot of it has to do with the mindset with which you approach money. Combine this with a few simple practices and you’ll be on your way in no time.

With this in mind, let’s take a look at some of the best ways for you to save money starting today.

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The Best Financial Podcasts to Boost Your Financial Confidence

top financial podcasts

With seemingly everyone talking about podcasting, why not take advantage of it. No matter the topic, listening to these on-demand audio shows can become addicting. They can be as entertaining as they are educational. And personal finance podcasts are no exception, in fact. 

The best thing is that you almost always have the option to listen to them for free. Face it, what could be more useful than work toward a secure financial future for free. Time to tap into expert knowledge with the best finance podcasts listed below. 

In times where you seek advice from an expert, the best financial podcasts can come to the rescue. Organized in a very ‘do-it-yourself’ format, financial podcasts vary much in quality.

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The Picturesque Retirement: Make It a Reality with a Plan

retirement planning

Close your eyes for a moment and think about how you would like to retire? What do you see yourself doing? Who are you doing it with? Are there sandy beaches involved? How’s the sun feel on your face? Looking forward to tea times at noon? Trips across the world you’d always wished you could take?  How does that carefree Paris wine taste?

Or maybe it’s the simple joy of a house devoid of kids, not needing to slug into work, and the chance to start dating your spouse once again. Coffee really does taste better when it’s not rushed after all.

Now open your eyes and ask yourself this simple question: how much does all that cost?

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How to Build Business Credit

building business credit

Having a lack of funding is one of the common hurdles for most small business owners. Building business credit could be a tough gig, yet, it is worth doing. It opens the door to more financial opportunities. Plus, a higher business credit score opens the door wider. It gives you a better chance of getting a loan, a line of credit, lower interest rates, and cheaper insurance.

“If you don’t build your dreams, somebody else would hire you to help them build theirs.”

Tony Gaskin

So, think of your business credit report as an assessment, which means the creditworthiness of your company. At least banks, lenders and other suppliers will strongly rely on it before dealing with you.

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Student Loan Debt – 2019 Stats & Alarming Tweets

Do you know that the District of Columbia’s student debt capital is one of the highest one? Georgia, Maryland and Minnesota follow next. In turn, Wyoming, Hawaii and West Virginia are among the leading states with the lowest student loan debt per capita.

So, what is the reason behind that? Well, according to the US Census Bureau’s American Community Survey, Washington D.C. is one of the most educated metropolitan areas in the District of Columbia. San Jose is a close second.

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