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Your first step is to figure out what counts as a true emergency.
Not all emergencies can be predicted, but many can. Car repairs, medical expenses, higher-than-normal bills. Even having a list of things that you can and cannot spend an emergency fund on can help you stay on track and avoid spending it when you shouldn't.
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You don't have to sacrifice all of your free time to start a side hustle, use the time you’re comfortable with and make a little bit of progress every day.
Get to working on improving your finances today, not tomorrow. Reading the steps and thinking you’re capable of doing it but postponing it is just an excuse, an unprofitable one.
Talking about your financial goals, and scheduling time once a month to go over your finances together can prevent money from affecting your relationship.
Extended warranties are a product. They help the business more than they help the consumer, as no business offers a product at a loss.
A Consumer Report revealed that 55 percent of owner...
For most, extended warranties are bad investments, because we never use the coverage they pay for.
For a warranty to be worth it,
Instead of buying warranties, consider setting up your own warranty coverage by putting the money aside in an interest-bearing savings account. Then you have full control over the money and can re-purpose those funds.
This strategy will work in your favor more often than it won't. Consider setting aside about half of the cost of the item you bought.