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Should you avoid spending on credit at all costs?

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Many people fall into the debt trap due to wild spending habits using their credit card. Credit card debt is a problem that can leave one cashless for a long time. Becoming financially independent requires one to have control over their spending, especially their credit card habits. Image source: upgradedpoints.com Some financial disciplines suggest that if you can’t purchase an item with cold cash, you simply don't deserve it. In the past, sticking to principle was easy. With the effortless access to credit cards, people can swipe until they drop. It’s still beneficial to stick by this rule to prevent overspending. Michelle L. Marquez stands by the same principle. If you can’t stop yourself from using your credit card, might as well get rid of it. This will help build your finances and teach you to spend wisely on necessary items. Image source: creditrepairlawyersam.com While there can be advantages in using a credit card, they can easily be toppled by the disadvan...
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Breaking the bank: biggest financial decisions that will affect your life

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Some decisions in life can affect us for an extended period of time.  In terms of finances, there are certain milestones which cost a considerable amount of money and should be prepared for early on.  These turning points may alter your plans forever depending on your decision.  Here are some of the biggest financial decisions you will ever make in your life.   Education Going to college or choosing not to can affect your finances in later years.  If you choose to go to college, enrolling in top schools will not be cheap.  Certain courses like medicine or law take a lot longer to finish and can rack up the student debt.  You could end up paying for your student loans for decades.  If you choose not to go to college, you may find it difficult to get high-paying jobs without a degree. Image source: honeybrides.com Marriage Marriage here is not limited to just the ceremony.  Marriage constitutes legally getting married, joint bank ac...
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Start saving for future travels with these three tips

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Welcome to my blog! My name is Michelle L. Marquez and I’m a finance student with a desire to help people get their funds in order. I believe that everyone can enjoy travel without going beyond their budget. While many depend on their credit cards just to make their vacation plans come true, it is better to save funds to have less worries especially after the trip. Let me share with you some tips on building up that travel fund: Image source: Pexels.com   Make travel plans If you have a destination in mind, it wouldn’t hurt to draft a travel budget. Whether you’re going on that vacation alone or with friends, you can start searching online for flight and accommodation deals to have an idea how much you’ll be spending. For those who are planning on going with friends, you can let them in on the budgeting so that you can keep each other accountable. Image source: Pexels.com Cut back on extra expenses You gotta give up some pleasures to see the bigger picture. If y...
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