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Four Steps to Achieving Financial Goals in 2025
It is the beginning of a new year which means a great time to review your finances and goals. I like to review the previous year and see where I did well and where I fell short of my financial goals. Step 1 – What do you want to accomplish this year My goals through…
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How to Build Credit Without Falling into Debt
How to Build Credit Without Falling into Debt When I was beginning my journey into adulthood, I did not understand the importance of building credit. A lack of credit made it difficult to buy a vehicle. Not having a vehicle meant not being able to get to work or school. The vehicle replacement options were:…
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Tracking your Spending: Why You Need a Budget
Why you need a budget? Managing money can be a challenging especially when it comes to personal finances. This task has been and still is a challenge for me, but it is not an impossible task. The first step to personal finance management is to create a budget to fit your needs. Your budget will…