Money Journal Prompts to Last the Rest of the Year

7 Money Journal Prompts to Improve Finances

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People thrive where they place their passion. If it's on the mind, dedication towards the subject will create awareness, thus improving the odds of being successful. Could writing money journal prompts increase the relationship between a person and their wallet? Experts around the globe say, "Yes." Commit to wealth tracking for just 90 days Rachel Cruze, the author of multiple bestselling financial books, states that people should "Consider what [they] can do as an individual to move beyond complacency." Actively creating money journal prompts may be the big push that someone needs to work towards getting ahead. It starts by having...
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extra cash

Five Creative Ideas to Make Some Extra Cash

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How would you like a little extra cash? If you’re shaking your head yes, then you should keep reading! Most people would enjoy making a little spending money on the side. Throw in a stressful, challenging crisis, and the idea becomes almost a necessity. Good news! There are TONS of great ways to pad your budget. Even better, it doesn’t involve digging through your couch cushions—not that we’re saying that’s a bad idea. Here are a few ideas you can try: 1. Become an affiliate marketer. It’s NOT as hard as it sounds. When you find a cool product, you...
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Bad Debt Tops Over $100 Billion in Expected Defaults

Easy Ways To Avoid Bad Debt

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As businesses make their quarterly earnings announcements, the nation's five largest lenders expect a loss. Wells Fargo, Bank of America, Citigroup, JPMorgan Chase, and U.S. Bancorp claim that defaults due to the Coronavirus will cause a significant amount of debt. Collectively, the amounts of projected damages top over $100 billion. How can you avoid bad debt when these companies couldn't? How companies are handling debt worldwide A shift in retail sales caused many suppliers abnormality regarding their inventory and cash flow. Major companies, such as Nike, reported to the U.S. Securities and Exchange Commission that they have millions of dollars in bad...
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Understand Credit Card Interest and Get Better Terms

Understand Credit Card Interest and Get Better Terms

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We talk a lot about budgets. We promote wise spending, as well as making fruitful investments. When it all boils down, a lot of our financial maneuvers depend on our creditworthiness. Is there a way to master a revolving balance? Can we better understand credit card interest to obtain more beneficial terms? The answer is YES. The more you know about credit scores, balance transfers, and APRs, the more you can use them to your advantage. In a timeframe as short as six months, smart consumers can reduce their credit card interest significantly. What do they know that others don't?...
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The Top Ten Most Affordable Home Improvement Projects

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So, you’re feeling inspired by Chip and Joanna, huh? Nice! Home improvement can be fun…or a total nightmare…depending on how you approach it. We’ve all been enchanted by the adorable duo and their magical way of making home improvement look easy—and even entertaining! The side we don’t see as much is the stress, budgeting, and failures. The great news is it CAN be a wonderful, rewarding process. As long as you have a plan, a realistic budget, and the right team backing you up. Your team includes trusted contractors, your bank if a loan is required, and a trusted realtor...
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Financing a Zero Energy Home Remodel

Financing an Energy Efficient Home Remodel

By | Articles, Going Green, Technology | No Comments
In a few months, our newest branch in Trinity will open as Achieva Credit Union's first net-zero branch. It could be the first of many and undoubtedly comes after many hours of careful planning. The news makes a lot of our members wonder about their own ways to go green. Would a zero energy home remodel make sense? Is it affordable?  In this article, we explore the details in-depth. We'll discuss ways to finance a zero energy home remodel and the long-term benefits related to the earth-friendly investment. Why build a net-zero branch? First, let's uncover the science behind it....
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Buyer Beware: The Loopholes of Online Purchase Protection

Buyer Beware: The Loopholes of Online Purchase Protection

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Consumerism through the internet is on an uptick. Now, before we get started, keep in mind that the majority of eCommerce transactions are safe. However, there are times when misled buyers must register in an online purchase protection policy. We've analyzed popular web-based platforms for loopholes. Below is everything you need to know before clicking submit.  Facebook purchasing policies and safeguards According to Facebook, their online purchase protection policy states that the buyer should make sure that the purchase is eligible before proceeding. Purchases deemed ineligible won't be able to fall under the safeguards of Facebook's shield. So, what does...
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Do Preppers Stockpile Cash Around Their Home?

Where To Store An Emergency Cash Fund

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There are hundreds of tips on how to be a survivalist; however, what is a prepper's stance on money? Do they stockpile money around their home or have a secret emergency cash fund? To answer the question, let's look at the reasons for prepping and what the procedure can teach us about finances. Prepping basics 101 Preppers actively prepare for emergencies and shortages. They stock their homes with enough reserves to survive on their own. Since the act depends on access to accumulated resources, it's easy to understand why some question a prepper's need to have an emergency cash fund...
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How to Help Your High School Graduate Manage Money

How to Help Your High School Graduate Manage Money

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The act of budgeting seems for the well-established; however, on the contrary, proper wealth development starts before adulthood. Regardless of where your household is the financial timeline, there are ways to help your high school graduate manage money. If your student recently received their diploma, be sure to review our fiscal planning tips below. Financial advice for high school students Preparing for a stable financial future includes creating a solid savings plan. To help your high school graduate manage money, instill the importance of setting aside between 5-10% of their earnings. The practice will give them a benchmark for later accomplishments. ...
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