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%2C+is+now+being+tarred+as+an+%22entitlement%2C%22+just+to+give+you+a+clue+about+what%27s+to+come.+Prepare+for+the+worst+and+assume+that+psychopathic+politicians+will+steal+your+Social+Security.+If+your+job+offers+a+401k%2C+max+it+out.%3Cp%3E%26nbsp;%3C/p%3E%3Cp%3E%26nbsp;%3C/p%3E+%3Cp%3E%26nbsp;%3C/p%3E%3Cp%3E%26nbsp;%3C/p%3E+To+be+more+organized+with+your+finances%2C++%3Ca+rel=nofollow+href%3D%22https://drhomey.com/%22+rel%3D%22dofollow%22%3EExterior+design%3C/a%3E+keep+a+monthly+bill+calendar+on+hand.+Each+month%2C+write+down+the+bills+you+owe+on+the+dates+that+they+are+due.+Determine+which+paycheck+each+bill+needs+to+be+paid+out+of+and+make+note+of+that+as+well.+Mark+off+each+bill+as+you+pay+it%2C+and+you%27ll+always+know+where+you+stand+with+your+monthly+finances.%3Cp%3E%26nbsp;%3C/p%3E%3Cp%3E%26nbsp;%3C/p%3E+%3Cp%3E%26nbsp;%3C/p%3E%3Cp%3E%26nbsp;%3C/p%3E+Commit+a+specific+amount+of+money+to+savings+every+month%2C+and+do+not+deviate+from+it.+Start+saving+early%2C+even+with+just+a+little+bit+of+money%2C+to+get+into+the+routine+of+saving.+This+puts+you+into+a+savings+mindset%2C+which+is+important+in+your+overall+money+management+strategy.%3Cp%3E%26nbsp;%3C/p%3E%3Cp%3E%26nbsp;%3C/p%3E+%3Cp%3E%26nbsp;%3C/p%3E%3Cp%3E%26nbsp;%3C/p%3E+When+you+need+to+borrow+money%2C+ensure+your+personal+finance+stays+safe+by+never+going+over+30%25+of+your+income.+When+people+borrow+more+than+30%25+of+their+income+it+can+drastically+reduce+your+credit+score.+So+as+long+as+you+stay+within+these+safe+parameters+you+can+enjoy+having+good+credit.%3Cp%3E%26nbsp;%3C/p%3E%3Cp%3E%26nbsp;%3C/p%3E+%3Cp%3E%26nbsp;%3C/p%3E%3Cp%3E%26nbsp;%3C/p%3E+Don%27t+invest+in+a+long-term+bond+mutual+funds.+If+you+need+the+steady+income+from+bonds%2C+it%27s+better+to+buy+the+actual+bond+or+find+a+substitute+like+bank+CD%27s.+Mutual+funds+can+be+an+excellent+way+to+invest+in+stocks%2C+but+because+all+mutual+funds+are+priced+daily%2C+funds+that+invest+mostly+in+longer-term+bonds+can+lose+money+quickly+if+interest+rates+rise.%3Cp%3E%26nbsp;%3C/p%3E%3Cp%3E%26nbsp;%3C/p%3E+%3Cp%3E%26nbsp;%3C/p%3E%3Cp%3E%26nbsp;%3C/p%3E+Re-examine+your+cell+phone+plan+every+1-2+years+to+make+sure+you+are+getting+the+best+program+tailored+to+your+specific+calling+habits.+Cell+phone+bills+can+be+a+big+part+of+the+monthly+budget+%22%EF%BF%BD+especially+for+a+family+%22%EF%BF%BD+so+it+is+important+to+stay+abreast+of+new+features+and+programs+you+might+be+eligible+for.+Plan+providers+will+bundle+features+like+texting+into+their+plans+at+considerable+cost+savings%2C+but+sometimes+you+have+to+ask+to+get+the+best+deals.+Changing+phone+companies+can+be+a+hassle+sometimes%2C+but+the+savings+may+be+worth+it.+In+addition%2C+your+current+cell+plan+provider+will+likely+want+to+keep+your+business+and+may+match+any+outside+offers+you+get.+So+check+around+and+ask+questions+to+save%21%3Cp%3E%26nbsp;%3C/p%3E%3Cp%3E%26nbsp;%3C/p%3E+%3Cp%3E%26nbsp;%3C/p%3E%3Cp%3E%26nbsp;%3C/p%3E+To+save+money%2C+plan+your+shopping+trip+carefully+so+that+you+can+take+advantage+of+the+best+prices+without+wasting+gas.+Before+you+leave+home%2C+make+a+list+for+each+store+you+need+to+visit.+Then+map+your+trip+out+so+that+your+route+doesn%27t+zigzag+or+double+back.+Generally+speaking%2C+taking+a+circular+route+that+naturally+ends+up+closest+to+home+is+the+best+gas+and+money+saving+plan.%3Cp%3E%26nbsp;%3C/p%3E%3Cp%3E%26nbsp;%3C/p%3E+%3Cp%3E%26nbsp;%3C/p%3E%3Cp%3E%26nbsp;%3C/p%3E+Instead+of+going+to+a+car+dealership+and+signing+a+lease+for+a+new+car%2C+take+a+look+at+all+of+the+used+cars+in+the+lot.+Sometimes+it+is+better+to+purchase+a+used+car%2C+as+you+will+pay+a+much+lower+price+and+have+resale+value+in+the+end.){kind=link}
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