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Other money essentialsExpense 3 – Appliances, tools and electronics: The reality of life is that things break. They do so frequently, often in bunches, when we least expect it, and at the most inopportune time. That’s why it’s important to be prepared for the replacement cost of critical appliances, tools, and electronics. Consider the lifespan of a […]
Expense 2-Gifts: Have you ever said to yourself- “No, I can’t afford to buy that gift.” It is human nature to please others and more often than not, we are going to buy that gift for someone we care about. Gifts are sporadic and unpredictable. You may forget someone’s birthday or wedding shower until the […]
There are budget categories in life where sooner or later, money will be spent. It may be $500 on a repair this month, and $400 on a new product next month. Over the course of the year, we can average out and prepare for these expenses. There are four categories of unexpected expenses that will […]
Think you are stressed? Take the Personal Financial Wellness survey (PFW). Your PFW can help you determine what level of stress you are experiencing due to personal finances. By taking an eight-question financial stress quiz , you can learn how your stress measures in comparison to the national averages . Is your PFW score higher than the average? Take action – even a baby […]
Those little jingles you hear about getting your “free” credit report on television or on the radio sound good, but they are really not free. There is usually a stipulation or another product that is being marketed. The federal Fair and Accurate Credit Transaction Act is a federal mandate that requires consumer credit reporting agencies (that […]
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