Personal Finance

How To Get A Loan With Bad Credit

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People with bad credit could experience much higher costs for the financial products they qualify for. Alternatively, they may have been rejected for credit or loans altogether. Data shows that UK adults are at a new all time low for their confidence and ‘financial knowledge’. Similarly, 4 out of 10 American Adults “have no idea” […]

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Here’s What It’s Really Like to Be Rich

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Most people want to be rich (however you define it). Many people have thought about what they’d do if they suddenly won the lottery or got a big inheritance or landed their high-paying dream job. It’d be exciting — for sure. Having plenty of money to save, spend and invest would certainly change your life. As you […]

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A Quick Guide To Paying Off Your Debt

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We all try and live our lives without debt, but unfortunately it’s not something that all of us are quite as successful in avoiding as we might like to be. While payday loan lenders allow for short-term lending in the case of a financial emergency, understanding how best to go about paying off all debts […]

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I’m Writing on Quora. Here are My Best Answers.

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Over the past few months, I’ve been spending more and more time on Quora, the popular questions-and-answers platform. If you’ve never used it (to either write answers, ask questions or simply read what people are talking about), it’s essentially a much cleaner, well-informed and easier-to-use Yahoo! Answers. I’m sure the company’s founders, including a former […]

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Is There Anything More Annoying than the Chip?

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I hope you’ll let me get on my soapbox for a bit, because I have a gripe to complain about. OK – it’s not really a huge complaint – but it’s definitely one of those annoying things that I can’t be the only person who gets annoyed about. It’s the chip.

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The Easiest Money is Free Money From Your Employer

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Do you have a job? Does your employer offer a 401(k) or other retirement savings plan with a company match? Are you eligible for other employee benefits, like tuition discounts, profit sharing or loan contributions? If you said yes, you need to make sure you’re getting all the free money from your employer that you […]

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Why I Bank Local for My Business

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I don’t normally write about my business here, so you may not know that my day job is running Digital Ink, a creative and digital team that focuses on website development, graphic design and WordPress consulting. I’ve been doing it full-time for more than 4 years now, and I love it. Owning a business is […]

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Is Apple the Company That Kills Cash?

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We’ve talked a ton about spending without cash, living a paperless lifestyle, and even cashless countries. It only seems inevitable that, at some point, we’re going to be a cashless society. Now, that doesn’t mean there are no downsides to not being able to buy and spend with cold hard cash, but as more and […]

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Millennials, Money, and Social Media

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When I was writing the post about how few people have $1,000 in their savings, I was struck by an observation about millennials: that their financial situation is influenced by what they see and experience on social media. It’s not like it’s an odd correlation; keeping up with the joneses has been an expression since […]

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Comic Books Teaching Personal Finance Says A Lot About Our Education

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I love talking about money. And I’ve read comic books since I was a kid. So I was definitely interested when I saw the news that Visa is partnering with Marvel to produce personal finance educational comic books. The new comic, “Guardians of the Galaxy: Rocket’s Powerful Plan,” is meant to teach kids about “saving up for […]

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The Psychology of How You Spend

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How much does it really matter how you spend? Is there really a big difference between using cash, debit cards, credit cards, or smartphone payment apps? You know that we recommend using a debit card for purchasing, since it gives you all the convenience and almost all of the same security as a credit card, […]

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Want to Live in a Cashless Country? Welcome to Sweden

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I rarely carry cash. I’ve talked about it before, but it’s basically because I rarely get cash, would prefer to pay with a way that makes it easy to track my spending, and … because I have a really small wallet. So I love the fact that Sweden is becoming the first cashless country, according to […]

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There’s No Such Thing as New Rules of Money

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Every time I see a headline proclaiming “The New Rules of Personal Finance” or “The New Rules of Money,” I shudder. It may sell magazines and generate clicks online, but anyone proclaiming to have “new rules” to managing money is full of it.

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