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Don’t Go Broke with Holiday Houseguests

One of the most enjoyable aspects of the holiday season is having friends and family come to stay for a visit. But having those extra people in the house can often lead to a blown budget and post-holiday debt. Fortunately, there are several ways you can be sure your houseguests will have an enjoyable stay […]

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5 Things to Never Say During a Job Interview

Whether you’re interviewing for your dream job or just trying to pay the bills, job interviews can be stressful. If you’ve left a job interview wondering if you said the wrong thing, you’ll want to keep reading. Let’s learn the five things you should never say during a job interview. “How much vacation time would […]

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How to Handle Errors on Your Credit Report

Reviewing your credit report at least once a year is an important part of managing your personal finances. Ensuring the information contained in the report is accurate can help you when making a large purchase, such as buying a new vehicle or applying for a mortgage. Many employers now check prospective employees’ credit reports as […]

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How to Find Free Summer Lunch Programs for Kids

Families who rely on free or reduced school lunch programs during the year often worry about what’s going to happen during the summer when school is out. Fortunately, there are several ways kids under 18 can enjoy free summer lunch programs, provided you know where to look. Let’s review the details. What are these programs […]

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5 Smart Ways to Use Home Equity

One of the many benefits of owning a home is the opportunity to use the equity in your home to make home improvements. Whether you are planning to sell and want to maximize your selling price, or you simply want to enhance your home for your own enjoyment, let’s look at the home upgrades that […]

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Online or Phone Credit Counseling — What’s Right for You?

Credit Counseling is a free service offered by nonprofit credit counseling agencies — like Take Charge America — that helps consumers find solutions for their credit card debt. The process includes reviewing a consumer’s income, expenses and debts, formulating a workable budget and developing an action plan to tackle credit card debt. At Take Charge […]

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How to Calculate Your Credit Score

sYour credit score is a critical piece to your personal financial puzzle. It helps determine your creditworthiness and what terms you qualify for on new credit and loans. Your 3-digit credit score ranges from a low of 300 to a high of 850. The higher your score, the more likely lenders will offer you their […]

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5 Super-Fun and Frugal Staycation Ideas

As we head into what’s shaping up to be a post-pandemic summer, you’re probably ready to take a break from the daily grind. But you might not be ready — or have the funds — to travel for a full vacation. The good news is, staying close to home doesn’t have to mean sticking to […]

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Who’s Who On Your Homebuying Team

Unlike most purchases, buying a home requires a whole team of people to ensure the transaction goes smoothly. As a first-time homebuyer all those people may seem overwhelming, and you might wonder if it’s even necessary to have everyone involved. Let’s take a look at who’s who on your homebuying team and how they can […]

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How to Rebuild Your Finances After Bankruptcy

Although declaring bankruptcy can provide relief from the worries of unmanageable debt, many consumers are left wondering when and if they will be able to secure new credit at reasonable rates. Your credit report will reflect the consequences of bankruptcy for 7-10 years. But that doesn’t mean it will take that long to rebuild your […]

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