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You want your home to be as comfortable, efficient and as beautiful as it can be. However, deciding which home improvement projects or upgrades to invest in can be confusing. The following home upgrades will help you save money in the long run. Focus on the Front Curb appeal is important to your home’s value and you should continually invest in it, not only for your own enjoyment but also for when it comes time to sell. A well-manicured lawn and landscaping will appeal to buyers. And yet curb appeal isn’t just about the grass and plants but also the house itself. By updating your lackluster...

How Paying Bills on Time Can Improve Your Life Paying your bills on time is one of the key aspects of taking charge of your financial life. Not only does paying bills on time help you avoid a number of nasty repercussions, but it can also have lots of short and long-term positive side effects. Click here to view an important note before clicking on links within the video. Avoid Late Fees Arguably the most immediate reason to pay bills on time is to avoid late fees. Some companies and services will charge late fees just minutes after a payment is due. It’s especially...

Practices that reduce your spending and save you money The steps mentioned below are designed to help you create a financial plan and provide access to helpful resources during these times. Create a Budget Making and sticking to a budget is key to handling money and financial planning during tough times. It helps you to get a handle on debt and spending. Until you get a realistic picture of how much money you’re bringing in and where it’s going, it’s difficult to know whether you’ll have enough left over to put away. Getting started can be the hardest part, especially if your finances feel out...

Discover the empowerment of having a solid credit score Achieving and maintaining a good credit score will enable you to fund the major purchases that you’ve been dreaming about. Here are just some of the doors that having a positive credit history will open for you. More Confidence in Obtaining a Loan Granted, financial institutions take more than just your credit score into account when you apply for a loan. For instance, they consider your debts and income. But a good credit score will increase the likelihood that you’ll get approved for the loan you need, as The Balance’s Latoya Irby...

How to Prepare for the Unexpected (No, Not the Zombie Apocalypse) We can plan as much as we’d like, but life will inevitably throw a wrench (or five) into our plans. Having a safety net to bounce back up after life knocks us down can make a tough situation easier to handle. What if your furnace stopped, your car suddenly broke down or you found yourself with surprising medical bills? Most financial advisors agree that we should have an emergency fund that can withstand three to six months of living expenses. The best way to accomplish this is to develop a rainy-day savings plan. Set a monthly...