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Ways to Build Credit Without Relying Solely on Credit Cards

Prairie Eco-Thrifter

For those who prefer to pay with cash and avoid the credit card debt cycle altogether, building a solid credit history and high FICO score can be a challenge – but it doesn’t have to be. Only a small portion of your FICO score is based on having and using revolving credit. Where Credit Scores Come From. Your Score.

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How to Save Money Fast – My Top 20 Tips

Penny Pinchin' Mom

I set up a standing order from my checking account to my savings on the first of every month, still at $600. So, whenever I banked my check at the end of the month, $600 automatically disappeared from my savings account. Start Using Cash This is a wonderful way to save money. Believe me! See what I did there?

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Keeping it Simple: Strategies for Financial Security

Prairie Eco-Thrifter

No more nasty phone calls or letters of demand! Wouldn’t it be much simpler if you only had a few accounts, maybe a working account and one or two savings accounts? Debit cards allow you 24/7 access to your own money and help to reduce the use of credit cards. Reduce Your Credit Cards Ouch!

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Meet a Reader | Mary from Reflections Around the Campfire

The Frugal Girl

Now I wish those dollars had gone into our savings accounts. manicures pedicures expensive or trendy clothes and shoes brand-name foods gym memberships a large-screen TV, streaming services, movies the latest phones and tech gadgets fine wines alcohol cigarettes credit card debt The list goes on.

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Where is Your Money Going? | 31 Days to Organize Your Finances

Family Balance Sheet

To begin, gather all of your recent bills, receipts, checking & savings account statement, and/or credit card statements. utilities – gas/electric, water, sewer, internet, phone, cable. 3 Steps To Help You. Write categories across the top of a piece of notebook paper or on an excel spreadsheet.

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10 Best Bank Bonuses & Promotions of 2016

Coupons Do Work

Finally, activate the Swipe for Songs game in your online account, make 40 qualifying check card transactions within 30 days of the first check card transaction (this first transaction must be complete within 90 days of game activation), and a redemption button will appear in your online account, good for a $10 iTunes e-gift card.

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Create an Emergency Fund | 31 Days to Organize Your Finances

Family Balance Sheet

Both instances could have brought us down and we could have reached for a credit card, but thankfully, my husband and I are pretty adamant about having an emergency fund and I want you to become adamant about having one too. Had it not been for the money in our emergency savings, we would most likely have used credit cards to survive.