How to Save Money During the Holidays

Holiday shopping may be the costliest ever in 2021, with the economy rebounding, consumer demand strong, and inflation high. With careful planning, organization, and reasonable discipline, you can get through January without financial regrets and save some money.

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The Correlation Between Age and FICO Credit Scores

Building good credit can be a lengthy process, and it is one that is a lifelong process. Since building credit usually starts when you are young and lasts your entire life, it would seem to follow that there may be a correlation with age and credit scores. Overall, average FICO credit scores have risen in …

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The Importance of Building Credit for College Students

Building good credit is a lifelong process and one that requires great diligence and discipline. However, these days, the younger generation is not always equipped with the information needed to successfully build good credit. Basic personal finance is not being taught in all curriculums, so younger individuals are ill equipped to responsibly manage their finances. …

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Consider Refinancing Your Auto Loan Today

Interest rates are at record lows these days, and that means now is a great time to consider refinancing. This is especially the case for people who have taken out auto loans, particularly those who took out their loans at relatively high rates. Depending on your personal circumstances, now may be a great time to …

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The Impact of Cryptocurrency on Future Debt Collection

Several years ago, using cryptocurrency was hardly mainstream. Cryptocurrencies were relatively new to the market, and few vendors – let alone commercial banks and the likes – utilized this form of currency. But in recent years, cryptocurrency has risen sharply in popularity. Large institutions and well-known investors have been endorsing the use of cryptocurrency, and …

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Five Great Side Hustles for People Over 50

The COVID-19 pandemic has forced people to work from home and also placed a significant financial burden on many. As a result, a large number of people have picked up side hustles to earn extra income. And while it is true that many younger people are pursuing side hustles, they are not the only ones. …

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Millennials Are Underestimating Their Retirement Needs

Saving for retirement can feel like a daunting task, especially when you are young, and retirement feels extremely far away. One of the most important aspects of planning for retirement is accurately predicting how much you’ll even need to save in the first place. After all, having a clear goal to work toward will help …

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