Financial Planning – The Importance of an Emergency Fund

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A National Foundation for Credit Counseling Poll A recent online poll released by the NFCC (National Foundation for Credit Counseling) revealed that a majority of American consumers don’t have enough savings to cover a $1000 emergency expense. Only 36 percent of respondents said that they would have enough to cover a $1000 unplanned expense, the remaining 64 percent of those … Read More

Student Loan Repayment Plans

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Repaying Student Loans Congratulations Class of 2011! You finally got that college degree! What an exciting accomplishment. However, that moving-over-of-the-tassel means you’ll need to face your student loan sooner rather than later. Typically, you get a six-month grace period after graduation before you need to begin the repayment process. But don’t wait until December to start considering your options. There … Read More

Credit Card Debt and Five Habits You Need to Break

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Breaking Credit Card Debt Being in debt is no fun, but having fun costs money and that is what got you in debt in the first place. Credit card debt can creep up on you if you aren’t keeping track of your spending habits. Here are 5 things that are keeping you in debt that you might not even be … Read More

Saving Money with Daylight Savings Time

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I know I am not the only one feeling more tired today than usual. Every spring, we lose an hour during daylight savings time when we “spring” forward our clocks in order to have longer days of light. This spring jet lag can take a few days to get use to, but once our bodies and minds have adjusted, we … Read More

Your Mardi Gras Budget

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With tomorrow being Fat Tuesday, I thought it would be beneficial for you to know how to celebrate Mardi Gras on a budget. Check your local newspapers for free events and parades that are in your area. If you plan to celebrate at home with family and friends, here are a few tips to having a fun night on a … Read More

The Social Security Tax Break and its Advantages

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The Social Security Tax Break Facts In December President Obama signed a Social Security tax break into law. This was good news, because it reduced the amount of Social Security tax taken out of workers’ pay, meaning an increase in a worker’s take-home pay. This doesn’t apply to everyone, and is only for one year, but by dropping the Social Security … Read More