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Planning Ahead to Get the Best Deals

When it comes to buying, you will save the most money by planning ahead and strategizing. This is true in most areas of your spending. Here are a few tips on using time to your advantage when it comes to looking for a great deal.Know the Sales PatternsIt’s not what you buy, it’s when you buy it. For example, clothing stores have a predictable pattern year after year as to when the right time to buy is. In general, good timing for clothing purchases are during major yearly sales, at the end of each season, and in January for great clearances savings. If you are booking a holiday, try to keep track of sale patterns as far in advance of...

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How to Improve Your Credit Score?

Your credit score has a huge impact on your life in a number of ways – it helps lenders decide if you will get approved for loans and credit cards, and also determines the interest rates you pay. That is why it is important to maintain a good credit score at all times. Which factors affect your credit score? Payment History The timely manner in which you pay bills, determines 35% of your credit score. Serious payment issues, like charge-offs, collections, bankruptcy, repossession, tax liens, or foreclosure, can cause your credit score to plummet drastically. So make sure you aren’t late on bill payments.   Level of Debt Debt level is determined by a lot of aspects such as amount...

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Tips To Successfully Live on a Tight Budget

10 Tips to “Successfully” Live on a Tight Budget Most of us do not like talking about money. Money induces anxiety; consuming your thinking, getting in the way of your relationships, and holds you back from doing activities that reflect your values. Living on a tight budget is a difficult task; many have tried to successfully create a budget only to have it fall apart. I had to examine my habits and take ownership of my actions unlike when I was a Starbucks addict, used to go out at least twice a week, and frequent movie theaters. Surprisingly, making wiser financial choices can make your life comfortable and enjoyable. You cannot however just sit on the sidelines and hope your...

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