Obtain financial success – top tips on personal finance by Valentino Crawford Jr

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Obtain Financial Success – Top Tips On Personal Finance by Valentino Crawford | on August 25, 2012 If you have interest in the improvement of your personal finances, you will likely want to take the time to read the following article. It has a number of tips designed to help you through any stage of your financial life. Pick one day each month to pay bills. While paying bills won’t take up an entire day, it is still a good idea to dedicate at least one day to it. Mark it on your calendar and do it religiously. You can create a domino effect when you miss these days. When items are on sale at the supermarket, you will not save money if you purchase more items than you can utilize. Buying large sizes, or in quantity or bulk, can be a good deal, but not if the item will go bad before you can use it. Look for bargains that you can actually use. TIP! Not using a credit card at all is one w ay to stay out of debt and to protect your personal finances. Before you buy anything w ith your credit card, ask yourself a few questions.

Investigate and switch to a fee free checking account. Look into local community banks, online banks and credit unions. If a credit repair company guarantees a better credit score, run away screaming. These claims are made by many companies in the credit industry. They can’t fulfill such claims, because credit problems are individual. To claim that they can clear your credit completely is definitely a lie and they are most likely committing fraud. When you look into relocating for a job, don’t forget that an increased salary may be a reflection of a higher living cost. Get information on how much homes or rentals cost and what your utilities may run you each month. TIP! By cutting back on your alcohol consumption, you can minimize the possibility of making poor decisions that risk your financial security. Instead, drink w ater to keep your mind sharp for important decisions.

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You have to get out of debt before you can rebuild your credit score. You must cut back on your spending, save some money and pay off your loan and credit card debts. You can do things like eating in more and limiting yourself from going out on weekends. The only way to save and repair your credit is to spend less. Going out to eat is one of the simplest things you can cut back on. If you handle your banking and other personal finance matters online, take note of the alert services your bank offers. Banks frequently notify their customers of significant account changes with online alerts. Take advantage of your banks financial alerts to protect yourself from identity theft and overdrafts. Financial issues can come up suddenly, without warning, so it’s always good to be prepared. Part of good planning is being aware of your bills’ due dates and what the consequences are for late payments. Before you get into a lease, you should review your options. TIP! Try to hold a garage sale, w here you can sell all of your unw anted goods for additional cash. If one is also good at w orking w ith people they can talk neighbors into letting them sell some of their old items for a nominal fee.

One best practice for maintaining healthy credit is to only use two to four different credit cards. Using only one card means it will take a long time to build a good credit score, and more than four cards means you cannot manage your finances efficiently. Begin by having two cards, and add more cards as your credit improves. Make it a point to break down your expenses into distinct categories. Put fixed expenses, like housing payments, into one category while listing variable expenses in another. This will make it easier for you to stick to your budget. Being keenly aware of what costs what at all times will aid you on the path of success. If you can be adequately ready to handle your finances, your mind will be much more at ease. The responsibility is yours and yours alone, but the guidelines in this article are an excellent starting point TIP! It is a good idea to apply your tax refund tow ard paying dow n your debts. A lot of people buy unimportant things w ith their refund, instead of w orking on the amounts they already ow e.

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About The Author: Valentino Crawford Prior to Empow er Netw ork Dream Team, I w as a frustrated netw ork/internet marketer. I w as told to make a list of friends and family to invite to home parties, hotel meetings, and do 3-w ay calls w ith. I got sick and tired of being stood up by prospects at business presentations. I got sick and tired of spending thousands of dollars on gas, door fees, auto-ships, and ‘marketing material’. I got sick and tired of playing the ‘3

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problems...I w as far from being right! The learning curve w as steep, and those w ho w ere successful at internet marketing w orked 12-18 hours a day 7 days a w eek putting together sales funnels from scratch. I did not have that kind of time…nor the funds to pay someone to put sales funnels together

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accountability for your ow n actions, you w ill no longer make excuses for yourself...nor tolerate anyone else's. "Perception is reality. Reality is life. The w orld is an Illusion. How deep DOES the rabbit hole go? We are on an interesting journey to say the least. Let's go!" There is so much out here the w orld has

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abundance for everyone out here, but you must CLAIM it by tapping into YOUR source of unlimited potential. Let's W ORK together to unlock that pow er that lies w ithin each and everyone of us. Valentino Craw ford enjoys entrepreneurship, personal development, online marketing, reading,

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