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Maximizing Credit Card Rewards: Which Card Do I Use for What?
A recent week-long trip to “The Other Coast” was not only a much-needed reset, but an opportunity to share how to maximize your credit card rewards for travel–and any other purchases in general! While “Sinking Funds” were a great tool in saving up for travel costs, a review of which credit card to pull out…
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Avoid Increasing Your Debt this Holiday Season: Use a Sinking Fund!
Expanding on last week’s idea around increasing savings during a time of high interest rates as a way to decrease credit card debt (again, high interest rates!) segues perfectly into using Sinking Funds as a way to prepare for holiday spending! The Holidays are the one time of year we can guarantee to see an increase in spending. The…
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ICYMI: Fed Leaves Interest Rates Unchanged: What Should I Do Now in Regards to My Debt?
ICYMI, the “Fed” (aka Federal Reserve who sets the prime interest rates and basically regulates all things finance in the US) announced last week that the rising interest rates we’ve all been experiencing lately will take a pause. What Does this Mean for Me and My Debt? It may be a good time to prioritize…
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ICYMI: Paid Medical Debt has Left Credit Reports for Good & How You can Increase your Credit Score Right Now!
ICYMI, as an update to a prior post, as of April of this year, paid medical debt is no longer allowed to continue to be included on our credit reports! This is important because, previously, even paid-off medical debt could affect credit reports (and thus credit scores) by lingering for years! Read below on why this…
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Bank Failure Follow-up: How Secure are You Feeling?
In the wake of bank failures recently, how secure are you feeling with regards to your money? Read below for a touch on your options when it comes to insurance at your institution, as well as a refresher on low-risk options to stash away your cash, for use when things get tight. Find out how…
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Managing Your Money in Love: The Tactical & the Touchy-Feely!
Since both societal convention and Hallmark have told us that “love is in the air” this month, let’s use this time to talk about money in our intimate relationships! We all know that money happens to be one of the top reasons relationships suffer, and also a leading cause of divorce. A study by Personal…
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Inflation: How You Might Actually Benefit!
As 2022 comes to a close, a few buzzwords come to mind..one of them being INFLATION. Let’s take a moment to get a primer on Inflation, learn how to calculate YOUR Personal Inflation Rate, and see how you might actually benefit financially. Inflation: what is it? If you’re like me (not an advanced economist) you…
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How My HSA Saved Me from Succumbing to Medical Debt this Year!
Since we’re still in Open Enrollment, I just wanted to post a quick personal story of how my Health Savings Account (HSA) really saved me from incurring major medical debt this year! We’ve gone over how the use of Sinking Funds can help us to save up for things all year. This is the strategy…
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Shifting Your Money Mindset from Scarcity to Abundance
Let’s dive in to what it’s means to shift our “Money Mindset” from one of Scarcity to one of Abundance! What is a “Money Mindset”? Your Money Mindset includes your core beliefs about money and your attitudes towards it. These subconscious beliefs could have been developed long ago, and are at the core of every…
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HSA: A Tool for Retirement Savings!
Since we’ve had Open Enrollment on the mind, let’s take a deeper dive into the Health Savings Account! Specifically, how we can use it as a “look back” in order to reimburse ourselves for old medical expenses, and also as a “look forward” as a tool in order to build wealth for retirement! If you’re…
Unlocking Abundance 