Freelancers often experience fluctuations in their income. A budget can help freelancers stay organized with expenses while being ready for any pending tax payments. Maintaining separate personal and business expenses can save time at tax time by making it easier to identify ...
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Shopping to ease emotional distress can have serious repercussions, including debt and stress. Instead, Woolley suggests looking into alternative forms of coping that don't involve shopping. This may involve freezing your credit card, uninstalling shopping apps from your pho ...
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Seasonal work often comes with unique expenses, including heating bills and winter clothing purchases. These costs can quickly add up during the cold months and make budgeting for them challenging. Divide your annual earnings by 12 to get an approximate monthly amount that c ...
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Budgeting can help keep your financial goals on track and help to safeguard against lifestyle inflation; instead, focus on protecting your future by setting aside savings for unexpected emergencies and building an emergency fund. Increased spending to match an increase in in ...
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Cultivating fitness doesn't need to be costly! From taking the stairs instead of an elevator to squatting while brushing your teeth, you can easily incorporate healthy habits into your daily routine without breaking the bank! Consider signing up with multiple gym locations o ...
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Beauty and personal care expenses are an area where careful budgeting and expert knowledge can help stretch your dollars further. Consider investing in multi-functional items that serve multiple functions to reduce both your routine and costs. 1. Look for lower-cost dupes If ...
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Keep Up With the Joneses is a harmful philosophy, leading to debt, unhealthy competition and dissatisfaction with life. To avoid falling into its trap of keeping up with the Joneses it's essential that you focus on your goals rather than buying out of peer pressure. 1. Stop ...
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Prepaid cards offer an easy, secure alternative to credit cards. Cardholders are limited to spending only what has been loaded onto their prepaid card, making it simpler and safer to avoid overspending. If you're thinking about investing in a prepaid debit card, make sure th ...
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Hobbies and leisure activities can bring much enjoyment into our lives. However, excessive spending on them could divert attention away from achieving financial goals. Crafting a budget for hobbies and leisure activities can help protect against costly impulse purchases whil ...
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Budgeting is key to reaching your financial goals, regardless of whether or not you rely solely on commission. Doing so allows you to maintain control of where your income goes while making sure enough savings is set aside for retirement or other major purchases. For maximum ...
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