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The Simple Reason College Kids Are Losing Out on Thousands in Scholarship Money

College tuition and associated costs are rising at incredible rates, with the cost of attending a degree-granting institution coming in at $20,234 per year according to the National Center for Educational Statistics[1]. The scary part is, paying off such large amounts of debt takes time. You also have to figure, grads will need to take on even more debt as they

10 Simple Tactics I Used to Save $18,000 for My 6-Month Dream Trip

When my husband, Andrew, and I got engaged, we knew two things for sure: We wanted to live debt-free and we wanted to travel. We were lucky enough to have parents on both sides who could contribute to the wedding. Between that and careful budgeting, we avoided wedding debt. Travel was a trickier matter. I

8 Ways You Can Build Wealth in 2016

Millennials have seen their share of financial disasters. We came of age during bank bailouts, skyrocketing student loans, and one of the biggest stock market recessions since our grandparents’ era. With time and smart money habits, Millennials can still be optimistic about reaching financial goals. Here’s how to take charge of your finances and start

7 Steps I Used to Create a Realistic Budget, After a Few Failed Attempts

We’ve all heard before that we need to budget in order to be financially successful. It’s not so easy, though — most of us picture hours of slaving away in front of an out-of-control spreadsheet, or waving goodbye to friends as they go out to do fun things without you. Not surprisingly, most of us

Save For an Emergency Fund vs. Pay Off Credit Card Debt: What’s the Right Move?

The “emergency fund” is the one of the most confusing ideas in personal finance, because it means different things depending on the guru you talk to. For some people, it’s a contingency fund, to cover car repairs or last-minute babysitting needs. But those aren’t emergencies — cars just break down sometimes and babies sometimes need

5 Golden Rules for Saving a 3-Month Emergency Fund

We all know we should have an emergency fund, but to those who don’t, creating one seems like a daunting task. The secret? Have a mapped out plan. The hardest part is making sustained lifestyle changes. The bright side is that even small changes quickly add up to big results. Unless you win the lottery,

Not Buying Presents This Holiday? 10 Clever Ways to Spend $800

The average Christmas shopper plans to spend $882 on gifts this year. If gift-giving isn’t part of your holiday season (or you’re embracing minimalism this year), use the money to achieve a financial goal instead. 1. Put a little extra in your retirement fund Depending on your retirement plan, you may be able to do

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