Author: derek

Cost of Raising a Child and How You Can Save

Every parent-to-be worries about the cost of raising a child, just as every current parent tells them that it’s not an issue and you always find a way. However, it clearly is an issue, as affordability and career concerns are one of the many reasons why the birth rate is declining all over the developed […]

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Emergency Fund: How to Build One and Why You Need to

An emergency fund is a must for all American households. It’s as important as a savings account (but not quite the same thing) and it’s one of those things you always wish you had when you need it. So, do your future self a favor by creating an emergency fund today! Start lowering your debt […]

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The Shocking Ways American Households Waste Money

Close to 75% of Americans will die with debt and for many, that debt will begin as soon as they reach adulthood. This debt can be the result of unforeseen circumstances and unpreventable mistakes, but it also results from a lifetime of waste.  Start lowering your debt today. American families waste unfathomable amounts of money […]

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Things to Avoid When Investing for the First Time

It has been said that 47% of Americans do not invest their money, and younger generations are increasingly turning their backs on stocks, bonds, and other investment opportunities. They’ve been warned about the risks, they’ve heard the horror stories, and they’ve decided that their money would be better suited to being locked away in a […]

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Best Investments for the Short-Term and Long-Term

A recent survey found that close to half of all adult Americans are not investing their money. Some simply don’t have the cash to invest, others have been scared away by stories of investors who lost it all. Start lowering your debt today. Ignorance and fear are two of the biggest factors keeping over half […]

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Tips for Getting a Promotion at Work

Every day you work your hardest, give it your all, and wait for the good times to roll, but year after year you’re overlooked for a promotion, your wage remains stagnant, and you’re forced to watch as the cost of living increases and your paycheck remains the same. Start lowering your debt today. What can […]

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How to Take Family Vacations for Less

Vacations are a massive expense for families across the United States. The average household takes at least 1 big vacation a year and pays around $1,100 per person for the pleasure.  Start lowering your debt today. A third of those also take between 2 and 3 smaller vacations at a cost of $300 to $500 […]

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How to Quit the Rat Race and Work from Home

A recent survey found that 85% of Americans are unhappy with their jobs. They hate their salaries and their bosses, but they also hate being forced to do the same thing day after day, with little control over how they live their lives and what they do with their own time. Start lowering your debt […]

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When are you Financially Responsible for your Spouse and Family Members?

One of the biggest concerns that debtors have, is that they will die and leave their loved ones with all their responsibilities, including their debt. They worry that they’re leaving only misery and destitution to their spouses and their children, and it’s a viable concern to have.  Start lowering your debt today. However, things are […]

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Certificate of Deposit: What Is a CD?

A certificate of deposit, more commonly known by the abbreviation “CD”, is a type of savings account that offers a fixed interest rate and withdrawal date. These accounts typically provide an interest rate of up to 2.20% (this increases with your term) and have minimum deposit requirements. Start lowering your debt today. All CDs are […]

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